Holiday travel is probably the most costly travel you will take this year. If something unforeseen happens, can you recoup your money?

Buying extra insurance to make sure your vacation isn’t a total loss is appealing. But is it necessary?

News 12's consumer reporter Janice Lieberman has The Real Deal.

The plans vary in what they cover. So it’s up to you to read the fine print.

If you are traveling abroad, most health insurance will not cover costs. You may want to consider purchasing a plan.

There are plans for missed connections, delays and cancellations.

There's also a plan for lost baggage, but the airlines will reimburse you a set amount.

You can also file with your homeowners or renters insurance.

You may want to forget paying anything extra and find out if your credit card has your back.

When you rent a car, and opt out of the agency’s plan, which can run you an extra $30 to $60 a day, check to see if your own car insurance or the credit card you use will cover the losses.

If you are concerned about a big trip, consider combining your credit card insurance with an additional plan.

Generally, travel insurance is worth considering if:

Your trip cost is much more than you can afford to lose;

You are traveling internationally;

You are traveling to a remote area with limited nearby health care facilities;

You have lots of pre-paid, non-refundable tours, day trips and activities planned.

If you have a story idea, question or tip, click here to reach out to Janice.