Travel insurance can be a necessary component when traveling overseas, especially if you're heading into potentially dangerous geographical havens, where your safety can't always be guaranteed.
At an average cost of between 4% and 10% of the cost of your trip, according to InsureMyTrip.com, travel insurance can really come in handy. The question is - when do you really need it and under what scenarios?
Besides the danger and risk factor of, say, jetting off to Guam right about now, there are plenty of other reasons you could use travel insurance - even if you don't realize it.
To pitch in, travel and insurance industry insiders weigh in below on specific instances where you might need travel insurance, be it for conventional or unconventional reasons:
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