Flight insurance. Specialty travel-insurance companies sell life-insurance policies that pay a benefit if you die (or are dismembered) in a plane crash. Depending on the amount of insurance you buy, you pay $15 to $60 per flight. Instead: Skip it. Term life will cover you if you die in a plane crash, and health insurance should cover medical expenses.

This coverage is good for US citizens traveling abroad as well as for foreign nationals traveling to the US.

I suggest checking out their website then call the 800 number and have a rep walk you through your options.