When my boyfriend and I were planning our trip to Hawaii we wanted to make sure we had everything planned out in advance. We purchased our travel insurance online because the rates are so much cheaper than purchasing it through an agent. We were glad that we had the insurance too because we had a family emergency the day that we were supposed to leave. The insurance allowed us to book our trip for a later date with no extra charge. We finally got to go on our trip and we had an excellent time. While we were there, my boyfriend proposed to me, so it ended up being the perfect get away.