The word "insurance" can be intimidating. Maybe it's because big insurance companies are notorious for bullying every penny out of you. Or maybe you just don't want to think about worst-case scenarios ...

Terms apply to American Express benefits and offers. Visit americanexpress.com to learn more. Whether you have private health insurance, Medicare or Medicaid, you probably won't be covered overseas.

Travel insurance can be a huge help, even if you plan to just lounge by the pool. But if you've signed up for mountain biking, rock climbing or a jungle safari, you'll want adventure travel coverage.