When I decided to take a trip to the US, I realized that there was a possibility that I would have to come back early because my mother was sick. While she was feeling better at the moment and encouraging me to take my vacation, I knew that she could get worse at a moments notice and I wanted to ensure that I could be there for her if necessary. I purchased travel insurance direct to ensure that if my trip plans changed that I could recoup some of my costs from the trip and also not have to pay extra money for an emergency flight home.