LOUISVILLE, Ky. (WDRB) -- Spring storms across the country recently show that Mother Nature can change things at any moment, including our travel plans.

Many families are either headed out on spring break trips or just now getting home. Others are already planning their summer vacation. 

Either way, is travel insurance really worth it?

Getting a voucher for future travel on an airline is pretty easy, but getting a full refund on an Airbnb or a cruise can be a lot more difficult. That's where travel insurance can be well worth the price.

According to Nerdwallet, there are two types of insurance, and both are worth considering:

  • Travel insurance covers lost baggage, medical treatment, and emergency medical evaluation.
  • Trip cancellation insurance reimburses you if you cancel due to weather, illness, or job loss.

So what if you lose a vacation rental? VRBO's automatic "Book with Confidence" guarantee and Airbnb's "Air Cover" guarantee will cover you if the property is no longer available, but not if you back out.

It may be the best idea to pay the extra hundred dollars or so for the insurance, just to make sure all your boundaries are covered.

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