Carefully read the fine print of your travel-insurance
policy. Not all policies cover all situations.
2.
Purchase a policy that allows you
to cancel a trip for any reason, up to the time
of departure.
3.
The best form of trip
cancellation and interruption insurance will not
only cover illness and injury, but also supplier
default, which means the company folded.
4.
Be sure to check whether
the policy covers cancellation for any emergency
reason, not just an illness to you.
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5.
Some travel policies
offer coverage that guarantees to get you to an
adequate medical facility if needed. Find out the
company's definition of "adequate."
6.
Check whether your credit
card offers coverage for travel accidental-death-and-dismemberment
insurance and collision-damage insurance for rental
cars.
7.
The coverage offered
at the rental car counter should be a last resort
-- it's expensive and poor coverage. Check with
your auto insurance and credit card company first.
8.
Many policies will cover
you on the ground while you're using "common
conveyances," such as buses, trains, subways,
taxis and hotel courtesy shuttles, but not private
tour buses or rental cars. Find out if you have
this kind of coverage with your personal or company-paid
life insurance policy.
