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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

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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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A friend of mine — a freelance developer who'd been traveling for three years without a serious incident — fell off a scooter in northern Thailand and broke his collarbone. The injury itself wasn't catastrophic

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Travel insurance is one of those products people buy with vague confidence and specific ignorance. You know roughly what it does. You know it involves medical stuff and maybe flight cancellations