It makes sense to be protected when you leave the country on vacation. But before you head off to buy travel insurance, look at the coverage you may already have. Does your credit card may offer baggage and other types of insurance? Will your personal property insurance may cover lost or stolen luggage? If you’re planning to rent a car, will your existing car insurance provide collision and liability coverage? And remember that when you’re buying health coverage, many policies won’t cover medical problems you already have, such as a heart condition. Read the policies carefully.