With a DDS from the Louisiana State University School of Dentistry, Dr. Kathryn Philpott-Hill operated a private dental practice in Sylva, North Carolina, from 1996 to 2008. In her free time, Dr. Kathryn Philpott-Hill enjoys traveling, especially throughout Europe.
While fun, traveling to Europe can also be overwhelming. One question many travelers face is whether to purchase travel insurance.
There are five main kinds of insurance: theft, flight, baggage, medical evacuation, and trip cancellation or interruption. Often sold in a package, insurance can vary in price, but it often ranges from 5 percent to 12 percent of the total cost of the trip, with adjustments based on age.
According to travel guru Rick Steves, trip cancellation or interruption insurance is the most useful. It covers many conditions, including sickness or death and missed flights. Medical insurance can be worthwhile, but many health insurance companies cover overseas travel already. Theft insurance offers a similar caveat, as some homeowners or renters insurance companies already cover theft of personal property.
