Travel insurance Basic is a good insurance if you do not have any home insurance. If you do not have home insurance, it is important that you buy travel insurance that covers costs if you need medical care, repatriation at a time other than planned or liability and legal protection. If you do not have it, you risk being uninsured on the trip and being completely without protection, which can be very expensive if an accident occurs. Keep in mind that the travel insurance must be taken out and paid for before you start the trip.