Before going on trip, you need to purchase travel insurance. Because there are various circumstances that cause you to canceled your trip or early return to home or require emergency medical treatment while you are on traveling. Travel insurance is a specially designed to provide reimbursement for such unexpected events.
Travel insurance covers many scenarios such as loss of baggage or passport, flight delays or mis connection, hijack daily allowance, personal liability, repatriation of remains. It also provide financial support in the event of emergency situation.