Q Should I purchase traveler's insurance?

A It's a good safety net, especially if you are going to a remote location (where hospitals are scarce), suffer from a chronic health condition, or are embarking on a pricey dream vacation. Traveler's insurance--usually about 6 percent of the cost of your trip--covers missed flights, lost luggage, and canceled tours. You can also purchase a medical plan, which reimburses you for any hospital stays while you're away. Experts suggest buying from an independent source, not your travel agent. For rates, go to insuremytrip.com.

Send your travel questions to travelq&a@shape.com.

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