Keep in mind that the insurance representative sitting at the desk in front of you is paid to sell you as much as possible. He might try to lead you into believing that you need extra packages added to your plan, it’s his job, he earns a commission from each sale he is making, and you can’t take it against him. Always get only what you know you really need. For example, if you only travel abroad once in a blue moon, like once every few years, on vacation, it’s not worth paying a monthly premium for abroad coverage.