shar epperson is here with more. what is the basics?t does it it cover and what is the costs. >> it covers a myriad of things. it covered trip interruption. there is medical, travel delay, lost baggage or baggage delay. >> when do you think it makes sense to do this? what circumstances warrant, you know, the effort and the cost. >> when you think about the cost of travel insurance, think 5% to 7% of the trip. you want to factor in how much you're paying for the trip. an expensive vacation, several thousand dollars, $5,000 or more. you may to be covered. if there is medical, sometimes your insurance does not cover outside of the country. if you have medicare you probably want insu bec you're not covered outside of the country. >> when don't you buy it? >> you may have a credit card that covers lost baggage or baggage delay. that policy may cover what you need. so look at what other insurance coverages you have and see if you really need to get the travel i. >> say you want to do it, you are doing a big trip to africa or something along t