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Last year was not my best year for staying out of trouble. In twelve months, I filed three separate travel insurance claims across three different countries. A motorbike accident in Bali. A hospitalization in Colombia

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

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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

Travel insurance marketing is very good at communicating the big numbers. "Up to $1,000,000 in medical coverage." "Emergency evacuation included." "24/7 assistance worldwide

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You bought travel insurance. You feel covered. But here's the uncomfortable truth: not all travel insurance is created equal, and the policy sitting in your inbox right now might have gaps wide enough to bankrupt you

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