It depends on your personal circumstances. Trip interruption insurance covers losses that are usually not covered by most travelers' existing coverage. It is often sold as part of a package that includes trip cancellation insurance, although you may be able to purchase it separately.Trip cancellation insurance covers you before you travel. If you must cancel your vacation plans, this form of insurance reimburses you for your prepaid, nonrefundable expenses, such as deposits, airline tickets, or hotel rooms.Trip interruption insurance covers you during your trip. There are many reasons why your vacation may be interrupted. For instance, you or your travel companion may become sick, or an immediate family member may pass away while you're gone. If you cut your vacation short, trip interruption insurance will typically cover some of your related expenses (e.g., catching an immediate flight home, hotel expenses en route). Some policies also reimburse you for any unused prepaid expenses.Some trip interruption policies also cover your losses when your vacation is cut short because of a weather disruption (such as a hurricane). Not all travel insurance companies offer weather protection, so you should read the fine print carefully. In addition, cruises may pose a special problem. Read your cruise line contract carefully—the fine print will probably say that even with insurance, the cruise company has the right to change the ship's itinerary in the event of bad weather. In such cases, it is unlikely that a trip interruption policy will provide reimbursement for missing a scheduled port of call.Your decision to purchase trip interruption insurance should depend on the length of your trip, the location of your trip, the type of trip (e.g., cruise), your physical condition (and the health status of your family members and traveling companions), and how comfortable you are with risk.You should also be aware that policies often contain an exclusion for preexisting conditions. For instance, a particular policy may provide no coverage for losses due to injury or sickness if, during the 60-day period preceding the coverage effective date, there was medical care, advice, consultation, or treatment received for the condition (or if symptoms of the condition were present).