Ask most travelers about travel insurance and you'll hear some version of the same story: "I had it once, never needed it, stopped buying it." Or: "My credit card covers me
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Short-term travel insurance is easy to shop for. You pick a date range, enter your destination, and compare a handful of quotes. Long-term travel insurance is a different problem entirely — and most comparison tools aren't built for it
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Here's something the personal finance world gets slightly wrong: they treat travel insurance as an optional luxury, something you evaluate on a trip-by-trip basis and skip when the budget is tight
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I used to be the person who skipped travel insurance. Every time I booked a flight, I'd see that little checkbox — add travel protection for $45 — and dismiss it without a second thought. I'd been traveling for years
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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