Like most people planning on an overseas holiday, you'll likely have quite a bit of your own money invested. Even though it may cost a little extra, don't overlook travel insurance. There are various types of travel insurance available, including medical, trip cancellation insurance, and medical evacuation insurance. Travel can give you peace of mind when travelling, but you don't necessarily need it in every situation. Here are some tips to help you decide determine if you really need travel insurance.

Step 1: You will need medical insurance. Medical coverage is a must unless you're staying in the country. If you are beset by a medical emergency overseas, not having medical insurance may leave you with huge bills from a foreign hospital. For a little extra money per day, you can rest assured that whatever illness or mishap besets your family while you're

Step 2: If you're overseas with someone who has ill health, or your travel destination creates a risk of bodily harm, think about getting insurance coverage for these particular needs. If you are injured and require sophisticated medical attention, emergency medical evacuation insurance will cover the traveler to be taken to the closest best-care facility. This kind of cover is imperative if your life is in question. Some insurance plans already include 'med-evac' coverage, so get your facts straight before buying separate coverage.

Step 3: The longer in advance your trip is booked, the more important it is to think about trip cancellation coverage. If you secure bookings at the last minute, it is most likely that your plans will remain stable. But if you have a long lead-time for your trip, you just don't know what contingencies may arise in that time frame. Emergencies can't be predicted, so having trip cancellation coverage gets your money refunded if you don't go. If you don't have it, your travel agent does not have to give a refund of any payments. If you've planned ahead a fair way, don't get tripped up by red tape, make sure you have that trip cancellation insurance.

To get an idea of some of the types of travel insurance, check out the web for special deals. Go to medjetassist and totaltravelinsurance travel insurance plans so you can relax on your holiday.

Tiffany Provost writes about travel planning and other traveling tips for www.HowToDoThings.com.