Life is full of unexpected surprises. In the event that you need to cancel or interrupt your trip, travel coverage can reimburse you for the pre-paid, non-refundable portions of your trip. It also can cover medical expenses, lost, damaged or stolen luggage and personal effects. Most travel plans also include 24/7 assistance services to re-book flights and hotels on your behalf and act as a personal travel assistant while you're away from home. Nice, huh?