Trip interruption or cancellation is not refundable and very expensive. Interruption or cancellation coverage can help you reimburse the amount you cost for your flight. But, you should know all the acceptable reason before you can file a claim like illness, sudden death, business conflicts and weather issues. For example, your company has a business trip and meetings to attend to then they have sudden conflict on their schedule, your claim can be granted. For travel interruption, if you have a sudden accident while traveling then you can reimbursed the portion that you did not complete.
Baggage coverage covers your baggage if its lost, damaged or delayed during a trip. Most airlines reimburse your baggage if it lost or damaged due to their services. However, there are certain limits to the amount of reimbursement. Therefore you should have your different insurance for your personal belongings like homeowners or renters insurance. This can help you if your baggage is lost outside your airlines and cruise lines. Moreover, credit cards can provide protection for things like delayed baggage or accidents for rental car if you used for deposits or other trip expenses.
Before purchasing your medical travel insurance, you should check you medical insurance if it can protect your while you are travelling. If your medical insurance does not cover you internationally, you might consider purchasing this kind of policy. For example, if you are in an emergency situation and you need to stay overnight your medical coverage can help you with your cost. There are limitations in your medical coverage that’s why you need to check your coverage before filing a claim.