Trips to visit family are in locations you have been before and are familiar with unless of course in this case they have moved to another city, state or maybe to another country.  Visiting familiar locations would not be risky since you know there would be someone who could help in case something ever does happen.

What if you become ill? If so, they may be able to get you in with their physician, or if its really serious they may refer you to the nearest hospital.  So, if you are going out of state does your policy cover you in other states?  In most cases if you are traveling in the Tri-State area then absolutely yes, you can find a doctor that is probably within fifty miles of where you live. Say for example you are in Southern Ohio, you may be close to the border of Indiana or Kentucky so you would undoubtedly find a provider.

If you are traveling over 100 miles though, chances are you wont be able to use your policy.  To be certain just ask your insurance company about it.  Before you decide to take a vacation or go on a holiday trip you need to make sure that you have some form of insurance to cover you.  If not, you will have to research your options.

You may also need to know if it makes a difference if you are driving to your destination.  Based on Consumer Reports, travel insurance isn’t actually essential and you would just find yourself paying twice since it is already covered by your homeowners policy.  It is definitely worth looking into, although it may depend what you are traveling for.  These are some of things you need to consider when looking for cheap travel insurance.  It doesn’t matter if you are looking for travel health insurance or backpacking travel insurance.

For those who are playing sports overseas, you will want to make certain you have the right coverage for medical, or to cover specific activities.  A lot of insurance companies have blacklisted certain activities for backpackers and those that ski, so be sure you read the fine print. Mountain climbing might also be considered unsafe or too much of a risk as what insurance companies would refer to it.