When you purchase travel insurance do you just get the basic coverage? I’m wondering if I should upgrade to the classic (which is only $15 more pp). It doubles our Emergency medical & dental coverage. It gives us more than 6 times the amount of emergency medical transportation; and it doubles the baggage coverage; trip delay coverage and covers the cost of ticket change fees.

Writing it all down it sounds to me like it’s worth the extra $15 in the event we were to ever need it. We’re traveling to two different countries in Europe; with flights in between so the baggage protection would be handy if anything gets lost/delayed.