Only about 30 percent of Americans purchase travel insurance when they hit the road. But what happens when you encounter those unexpected travel nightmares? Who pays for all that? Delayed flights and lost bags are just two common examples. And let’s not forget about the woman who fell off a camel in the Sahara Desert, racking up tens of thousands in evacuation and medical fees.

As part of his television show The Travel Detective, Peter Greenberg investigates the scenarios that can really affect your travels and how you can protect your out-of-pocket costs.

Click here to learn more about how—and why—you can book travel insurance.