If you think you're ready for your trip and are not sure or are still not convinced you need travel insurance, ask yourself these critical questions:

• Could you lose any money if you had to cancel your trip?
• How much would you lose?
• Could you get your money back if you had to interrupt your trip?
• How much would you have to pay for a last - minute one-way economy air fare home?
• If you had to stay at your destination longer than you're supposed to, would your extra hotel and meal expenses be reimbursed?
• How much would you have to pay?
• Could you manage at your destination without some of the content of your luggage for more than half a day if it was delayed?
• How much would you have to pay for toiletries and other necessities?
• If you became ill or injured, would your emergency medical expenses be covered?
• How much would a family member or friend have to pay to come to your bedside if you were hospitalized for several days?
• In an emergency, would you have to pay up front for your covered medical expenses?

Q: Why do I need travel insurance? If I get sick when I'm travelling, won't our government health plan pay for my medical expenses?

A: Provincial health insurance plans provide only limited coverage for medical treatment and hospital costs outside of Canada and USA. If you are injured or become ill while out of the country, the government plans pay only a portion of your medical bills. You might have to pay substantial medical bills out of your own pocket that could amount to thousands of dollars. That's why it's highly recommended that you purchase travel insurance.

Q: Why would I need Cancellation & Interruption insurance?

A: Emergencies happen when you least expect it. You could become sick, lose your job or a family member could have a medical emergency. Cancellation & Interruption insurance covers you for those circumstances and protects the financial investment you've made in your trip. It also protects you if you need to go back home because of an emergency such as a family member becoming seriously ill at home, while you are away. Please remember - this coverage must be purchased within 48 hours of booking your trip.

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Q: I purchased my tickets, cruise or tours from elsewhere, can I still buy insurance here?

A: Yes, everyone is eligible for the insurance since it is provided by a third party.

Q. Why should a traveler buy travel insurance?

A. Travel insurance gives travelers coverage for unforeseen problems, from a cancelled flight to a serious illness—or in rare cases, even an act of terrorism or the financial default of a travel supplier. If an illness, accident, or other covered unforeseen circumstance forces a traveler to cancel or interrupt their plans, they face two major financial losses—money invested in nonrefundable pre-payments, and medical expenses that in many instances may not be covered by health insurance.

Q. What happens if a traveler must cancel their vacation?

A. Often a traveler will lose nonrefundable deposits and prepayments that can add up to hundreds—or even thousands—of dollars. A comprehensive travel insurance plan through AIG Travel Guard can provide trip cancellation coverage for the traveler's vacation investment—the insurance company reimburses the traveler for all pre-paid, nonrefundable expenses for a covered loss.

Q. How does trip cancellation and interruption coverage work?

A. It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.

Q. What other coverage is typically included in an AIG Travel Guard travel insurance plan?

A. In addition to trip cancellation and interruption, the more comprehensive travel insurance plans available today may also cover emergency medical expenses; emergency medical transportation, when ordered by a doctor, to the nearest adequate medical facility; reimbursement for accommodations and expenses incurred due to travel delays; reimbursement for the purchase of essential items if baggage is delayed; and coverage against lost, stolen or damaged baggage.

Q. Does travel insurance cover terrorism?

A. Many travel insurance policies do not cover terrorism, or only cover terrorist acts that occur on foreign soil. Travel insurance through AIG Travel Guard can cover terrorist incidents both in the United States and abroad.

Q. Is the financial default of an airline, cruise line or tour operator covered?

A. Many of AIG Travel Guard's retail insurance programs include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.

Q. Does AIG Travel Guard offer travel insurance plans tailored to specific types of travel?

A. Yes. AIG Travel Guard offers travel insurance plans for an array of budgets, from modest trips to high-end luxury vacations. There are also products for last-minute getaways and extended trips, and specific coverage plans for cruise travelers, golf travelers, students, and sports travel.

Q. How much does travel insurance cost?

A. The cost of travel insurance is based, in most cases, on the value of the trip and the age of the traveler. Typically, the cost is five to seven percent of the trip cost.

Q. What else is offered with the purchase of an AIG Travel Guard plan?

A. To boost travelers' confidence when traveling, AIG Travel Guard has added LiveTravel® assistance, which provides 24-hour, "911" emergency travel agency-type services to all standard retail plans, in case a traveler has to change a flight or a hotel room. AIG Travel Guard has also added assistance with emergency cash transfers, pre-trip consultation services (travel advisories, passport requirements, inoculation information, etc.), and live messaging, which will relay any e-mail or phone message to family, friends or business associates.

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.

To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.

1. It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?

2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?

3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for emergency cash, and how will you get your passport replaced?

4. You're involved in an accident and adequate medical treatment is not available. Who will help arrange and pay for a medical evacuation?

5. If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?

6. You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed, who will pay for your necessities? If it's stolen, who will pay to replace it?

7. Your cruise line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who will help get you to your destination?

8. You're walking down a street in Rio and twist your ankle. Who can help you find an English-speaking physician?

9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will pay if you want to cancel your trip?

10. You are at a beach resort in North Carolina, and you are forced to evacuate due to an approaching hurricane. Who will help you evacuate and who will reimburse your lost vacation investment?