First things first: Determine exactly why you need to rethink your honeymoon plans. Is it because of a family emergency or illness? Or is it because of a “force majeure,” like a hurricane or snowstorm? This distinction is important because it will determine what’s covered by cancelation policies or your travel insurance.

Just like shopping for a house takes into account your personal wants and needs, so does shopping for medical insurance. Some insurance plans require you to have everything approved and referred by a primary doctor, and some plans only cover a certain host of local providers.