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Most people think of travel insurance as the thing that reimburses you if your flight gets canceled or your luggage goes missing. And it does that

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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