Anchor intro: You already insure your car, your home and your health. Do you really have to insure your vacation, too? It could help you save money in the long run … Bankrate.com explains.

Voice over 1: Heavy snow can make driving tough, and flying impossible. If you get stuck, will the airlines foot the bill for your food and lodging?

SOT: “Not necessarily. I don’t think they’re required to help us.”

Voice over 2: He’s right. Airlines won’t pay if you get stranded by weather. Fact is, from hurricanes to hernias, there are a plethora of potential travel problems that could cost you your trip and your money.

Voice over 3: And that’s why, according to the US Travel Insurance Association, Americans line up to pay a billion bucks a year for the security of travel insurance.

Voice over 4: But is it worth it? These policies have lots of fine print. And some experienced travelers have had so many issues, they leave home without it.

SOT: “I’ve had a hernia on a ship and different things. Very seldom … still, they denied the claim. Their main excuse that they all use as an escape is existing condition.”

Voice over 5: There’s a lesson here. Read the fine print. See what’s covered and what’s excluded. And check your homeowners, health insurance … even credit cards, to see what protection they already offer. Then decide.

There is nothing wrong with purchasing a little peace of mind when you purchase those tickets. Just make sure you’re not duplicating coverages, and you’re getting the peace of mind you’re paying for. For Bankrate.com, I’m Kristin Arnold.