Travel insurance covers you and/or your family against fortuitous events resulting in personal injury and/or loss or damage to personal belongings. You will be compensated should these events happen.
All destinations carry certain risks such as cancelled or delayed flights, loss of baggage etc. Such circumstances could happen and it’s best not to risk it – even for short trips.
Even though you can obtain travel insurance up until the day before your trip actually begins, it’s best to purchase your travel insurance immediately after you’ve booked your trip.
An individual plan only insures you for the trip but not any of your friends or family members who are going to the trip along with you. If you’re going as a group, it’s best to buy under family plan.