This week's question comes from Bethe in Fort Worth, Texas, the museum capital of the Southwest:

The masses are heading out of town this summer. More people are going to Europe than have over the past few years--and it's not just because of the Olympics. I'm part of the trend, but I'll be steering clear of the crowds in Greece and visiting another part of the Mediterranean altogether: the Croatian Islands. I travel a ton for work, but like everyone else, my vacation days are limited. I don't want anything to happen to spoil my precious vacation, so it's imperative to have the right coverage.

And no, I'm not talking about beach cover-ups! Whether you're on the shores of the Mayan Riviera or the French Riviera, in a tiny village on the Amalfi Coast or a thriving Grecian metropolis--even if you're at the Acropolis--the fact is that you need to think about travel insurance.

When it comes to insurance, I always have more questions than answers, and travel insurance is no exception. For starters, is it even necessary? If so, what exactly does it cover? (This is the million dollar question when filing your claim.) The answers are contained in the fine print (a daunting bunch of legal mumbo-jumbo from which you are supposed to be able to determine whether or not you really need the insurance policy in the first place.) For a seemingly simple concept, things can get complex fast.

In an effort to put the power back into your hands, I've gotten out the magnifying glass and read the so-called fine print and consulted insurance experts. Although each trip is different, I can point you in the right direction so you can make an informed decision when choosing whether or not to buy travel insurance.