Medical is usually less exotic at home
For US residents traveling domestically, health coverage often follows your normal plan—read exclusions for adventure activities if you ski or climb.
Trip cancellation
Insurance helps when prepaid non-refundable flights, tours, and lodges stack up. Cheap refundable rates may make insurance redundant.
Rental car
Collision damage waiver from a card often requires declining the rental company’s CDW—know the rules.
Read the fine print
Weather, pandemic rules, and named storms have carve-outs—buy for the scenarios you actually fear.