Traveling can be full of unexpected events. Whether it’s a minor fender-bender in a rental car or an accidental injury at a tourist site, situations can arise that leave you responsible for significant financial costs. While standard travel insurance may cover some incidents, there are times when these policies don’t go far enough.

That's where an umbrella policy comes in handy. Umbrella insurance is designed to provide additional liability coverage beyond the limits of your existing insurance policies. It’s especially useful for travelers who rent cars, partake in adventurous activities, or visit high-traffic areas where accidents may occur. Umbrella policies can also cover legal fees, judgments, and settlements in cases where you’re sued for damages beyond your standard coverage. Understanding when this type of policy is most useful can provide peace of mind and financial protection during your travels.