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Most travelers treat insurance as optional — a sensible precaution, but ultimately a personal choice. In a growing number of countries, that assumption is wrong

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Ask most travelers whether they have travel insurance and they'll say yes

Here is a question that trips up a surprising number of travelers: if your flight is cancelled and you spend three days in a hotel waiting for the next available seat, does your travel insurance cover the hotel bill? Maybe

The travel insurance industry was built for vacationers: people who leave on a Friday, return on a Sunday two weeks later, and do it twice a year. The coverage structures, pricing models, and product architectures all reflect that assumption

Filing a travel insurance claim from abroad is one of those experiences that teaches you, very quickly, whether you bought the right policy

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