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• Most of us can’t afford to lose our vacation investment.

• Medical emergencies overseas can be really expensive.

• You don’t want minor mishaps to ruin your trip.

• The U.S. Department of State says so! ost American travelers call the local U.S. embassy for help — but those travelers are often disappointed to discover that embassy staff’s powers are limited. They can help you replace a stolen passport, contact family or friends in the U.S.; find medical care or legal assistance; communicate with local police; and connect you with various resources. But an embassy cannot pay for your medical care, provide emergency transportation (except during rare, major catastrophes), or otherwise take care of any financial losses you suffer while traveling

• It’s easy to find affordable travel insurance.