When it comes to insurance, I always have more questions than answers, and travel insurance is no exception. For starters, is it even necessary? If so, what exactly does it cover? (This is the million dollar question when filing your claim.) The answers are contained in the fine print (a daunting bunch of legal mumbo-jumbo from which you are supposed to be able to determine whether or not you really need the insurance policy in the first place.) For a seemingly simple concept, things can get complex fast.

In an effort to put the power back into your hands, I've gotten out the magnifying glass and read the so-called fine print and consulted insurance experts. Although each trip is different, I can point you in the right direction so you can make an informed decision when choosing whether or not to buy travel insurance.

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