Field-tested Travel Tip: Should you purchase trip insurance? –

Potentially covered episodes include a terrorist event at your destination within a month of your arrival, a job layoff, and a natural disaster at the destination, such as fire or flood. Such a policy might offer protection for someone planning a trip to an area with major forest fires like we witnessed this year. However, insurance companies won’t provide such coverage, for example, after an announcement of a major storm threatening your destination.

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