Travel insurance can help cover some major trip problems but Consumer Reports says travelers should check the details before they buy. Travel insurance can help cover some major trip problems but Consumer Reports says travelers should check the details before they buy. Consumer Reports looked at what travel insurance may cover and what it may not, especially when trips are interrupted by illness, disasters or long travel delays. Consumer Reports says a separate travel insurance policy may cover refunds for prepaid trips that cannot be taken because of illness. “Travel insurance is definitely a nice security to have and give you peace,” Trahan said.