Today’s travelers pay for a bevy of add-ons, from increased legroom to early boarding to luggage fees and more. All of those fees and taxes add up, making it less attractive to tack on yet another addition: travel insurance.

But travel insurance can be an attractive option, especially if you’re taking a pricey trip. Unforeseen circumstances can lead to trip cancelations, and may cause you to lose out on deposits, plane tickets and hotel reservations.

Here are five reasons to consider buying travel insurance:

1. You may need to cancel your trip entirely: Unforeseeable circumstances, from illnesses to natural disasters, may cause you to miss out on your entire trip.
2. You miss a flight connection: Delayed and canceled flights can have a domino effect, causing you to miss part of your trip.
3. Something happens while you’re traveling: If you get sick or injured while you’re on your trip, you may not be able to make it home on your return flight, which can mean losing out on money spent on plane tickets or other transportation.
4. Baggage is delayed or lost: Travel insurance can help cover issues with baggage. There’s even an option for coverage of a lost passport.
5. Something happens at your destination: Natural disasters, terrorist attacks, even just plain bad weather may make it impossible to get to your destination.