HOUSTON -- Whether it's sandy seashores or sunny safaris, many Houston families are already planning their summer vacations.

You' may have your sunscreen, your walking shoes and your passport, but do you have travel insurance?

One Houston woman asked Troubleshooter Amy Davis if she actually needs it.

Amy said most consumers really want to know if travel insurance will really pay you back in full should you need to cancel a trip.

The answer: Many insurance companies do refund all of your money. But, as always, you must read the fine print and ask a lot of questions.

What type of coverage you need depends on you and the trip you’re planning.

The most common travel insurance is trip cancellation policies. They generally cover non-refundable payments or deposits if a trip is canceled or interrupted due to illness or a death in your immediate family. Those insurance companies will require you to provide a doctor's notice, death certificate or other proof should you cancel.

Some travel agencies try to bundle cancellation coverage with other types of insurance, like trip delay, medical evacuation or emergency transportation coverage, supplier default (in case the airline or resort goes bankrupt or folds) and lost or delayed baggage.

You should double check insurance policies you already have before you sign up for things such as medical coverage. Your health insurance should provide coverage for you anywhere in the United States.

If the airline doesn't reimburse you for lost baggage, your homeowners or rental insurance just might.

The price of travel insurance depends on your age and the price of your trip. On average, you can expect to pay between 5 and 10 percent of the cost of your vacation per person.