This post is to learn about travel insurance from those of you much more experienced then I but a brief recap of my lost European trip. 10 months ago I booked an award trip for two from SEA-DUB. I didn't have enough miles to stay within one award program so I booked AA in the US and BA to DUB via EI in Business class. To keep this brief, AA delayed flight to BOS which caused us to miss our flight to DUB. After 8 hours at DFW and our options exhausted via AA and BA, AA flew us home under a "trip in vain". I am being re-reimbursed my AA miles but lost the Avios. I have taken away several things from this trip and the planning of it and one of them is trip insurance. I did not have it and honestly never crossed my mind. That being said, I have a trip planned to Serbia this summer and want to travel smarter. I have begun looking into travel insurance and there are many options. I have confirmed with my health insurance company that I am covered fully in Serbia thus I am interested in travel insurance that would cover cost's accrued by the airlines, etc. I want to shop smartly and would appreciate advice from those of you with experience.