If your flight, hotel, and tours are prepaid and non-refundable.
Most US health insurance (including Medicare) does not cover you abroad. should i buy trip insurance for a flight
If you paid extra for a flexible fare, insurance is redundant. If your flight, hotel, and tours are prepaid
Covers the cost of returning home early or catching up to a tour. If your flight
Covers expensive medical evacuations or hospital stays in foreign countries.
I can tell you if your current card already has you covered!