Times that you can go without travel insurance

6 times when you’re better off without travel insurance

Even though Jon Look is a frequent traveler, he always leaves home without one thing.

“I have never purchased a travel insurance policy,” admits Look, a retired photographer. “It adds expense and complications and rarely pays off.”

Traveling without insurance? Yep, most Americans still do it, and some of them with good reason. Because not everyone needs insurance and some people wouldn’t be able to use it even if they bought it.

As it turns out, there are times when you’ll want to skip that insurance policy. It may not be as often as you think, but it happens.

Alternative forms of insurance you need to know about now

Think you need travel insurance? Think again.

You might require something else — either a specialized insurance product that protects only one aspect of your trip, or something that isn’t insurance at all.

Call it “alt” insurance.

No, we’re not about to get political. Alt insurance is real and it can protect you regardless of ideological leanings. Sometimes, it isn’t insurance at all, but a different form of protection.