Imagine that you are traveling to Rome with your family. It's a beautiful day in Italy. The sun is shining as you walk around seeing the sites. You've seen the Colosseum and Trevi Fountain. You're standing on the corner, looking at all the sculptures and architecture of the city streets when you see a sidewalk vendor selling food. It smells delicious and looks good too. You order some food, taking a seat on the tables nearby, eating your food.

After a few minutes, your children complain that they are going to be sick. They're burning up, and look very ill. What do you do, being an American citizen in Italy, unsure of where a hospital is or how you'll pay for it? If you purchased travel insurance for your trip, you're not as worried as you'd be without it.