Having kids is an unpredictable adventure – full of surprises, turns and twists. Whether you take your kids with you or leave them behind, there are a number of ways your kids can ruin your next trip.

1. While riding a rollercoaster, her asthma inhaler goes flying

As your daughter gleefully rides the roller coaster, the inhaler in her pocket flies loose, never to be seen again – how will you replace it before she has an attack?

With the right travel insurance (you’ll need a waiver for pre-existing medical conditions), you’ll have 24-hour travel assistance to get her prescription filled.

2. Your son’s semester is extended due to snow days

Your son’s senior year of high school has been marked by snow storm after heavy snow storm, causing the administration to extend the school year into summer. Can you cancel his summer trip without losing all your pre-paid trip costs?

Some travel insurance plans cover trip cancellations for school extensions so you can get 50-100% of your trip costs back.

3. A wandering iguana bites your kid on the arm

When your kid is bitten by a wandering animal, you’ll want to know that bite is properly treated by a medical professional. If you are traveling outside your health insurance network, can you afford to pay the medical bill?

Travel insurance with medical coverage is essential for overseas trips, but it’s also very useful for domestic trips where you are traveling outside your health insurance network. A travel insurance plan with adequate medical coverage means that physician’s expenses, drugs, stitches, and more are covered.

4. That virus going around school finally strikes

When your kid spikes a fever just before your vacation, you can’t put them in the car or on a plane. You’ll also want to be near your kid’s regular doctor to fight the virus, so you’re going to have to cancel that vacation.

Travelers have to cancel their trips for all kinds of reasons, and the right travel insurance plan will let you cancel your trip within a certain number of days before your  departure and receive up to 100% of your nonrefundable trip costs back.

5. He crashes into a tree and breaks a leg

Your kid has been skiing for several years, but even the most experienced skier makes mistakes. If your kid crashes into a tree and breaks a leg, will you have the right travel insurance coverage for emergency medical transportation to a hospital where he can be treated?

Medically necessary evacuations are expensive, but a travel insurance plan with coverage for medically necessary evacuations can ensure your kid is safely transported to a hospital for treatment.

6. Your Family Called – Your Daughter is in the Hospital

You left the kids behind for some romantic time on an anniversary trip, but your family called and there has been an accident back home. Can you abandon your trip and get home to be with your child in the hospital?

Sometimes a traveler must end their trip and return home, and this is where trip interruption coverage can help. Travelers who have to abandon their trip for a covered reason can be reimbursed for their unused trip costs and rescheduled return airfare as well.

Travel cons have been around ever since people headed down the road to see new places — here are just a few we’ve recently heard reports on.

1. The Grabby Cabby

We’re all familiar with cab drivers who take the long way around, but what about cabbies who tell you that your hotel has burned down and offers to take you to another (where they collect a commission)? Or this scam: you pay the cab driver and hop out only to notice one of your bags has just sped off with the cab driver!

The solution: Confirm your reservations yourself so you can’t be fooled, and pay attention during your cab driver transactions: count the bags carefully, and check to be sure you haven’t left anything on the seat. Only after that do you hand over the payment.

2. The Pizza Flyer Credit Card Scam

This one tormented the Disney hotels in Orlando, Florida last year. Tired parents and kids come home from a busy day at the park to find a helpful “free delivery pizza” flyer. They decide to order in and get some rest. The friendly person at the pizza place takes their order and their credit card number.

No pizza ever arrives, and the traveler’s credit card number has been sold over the Internet to a foreign country where charges are being made quickly and quietly.

The solution: never, ever give your credit card number out over the phone. Just don’t. That goes for the hotel personnel who call and ask you to verify the number (another version of the scam). If that happens, go to the receptionist desk and handle it directly.

3. The Hot Dog Con Artist

This particular scam is as old as time and it’s done in various ways: spilling a drink on a tourist is a common one.

Here’s how this one works: a passer-by who is eating a hot dog, squirts mustard all over a tourist, prompting that tourist to put down their bags to clean up the mess. While the hot dog con artist is apologizing and helping the tourist, an accomplice steals whatever they can reach and gets away free of notice.

The solution: don’t let others distract you to the point that you lose control over your belongings. Hand your stuff to a fellow traveler, if possible, and work out a system of watching each other’s backs.

4. The ‘Helpful’ Tourist Advisor

Some ‘good samaritan’ tourist advisors – that kindly guy on the street, that friendly woman with the baby carriage – are helpful advisors in name only. Sometimes they just want to get close, perhaps to help you decipher a map, while they pick your pockets.

In other cases, their intent may be more sinister, such as sending you down the wrong path where you can be mugged by an accomplice.

The solution: pay attention when you’re offered help, keep your distance, and watch your valuables. Better yet, get your help from a trusted source – ideally, your own  tourist guide, a smartphone app, or the concierge at your hotel.

5. Foreign Currency Errors

No one handles money in a foreign currency with as much confidence as they do their own native currency. Travelers are often cautious about cash transactions and that hesitance is the clue a thief needs to confuse you. Reduce your risk by having and paying with smaller bills and learn the currency conversions, or use a smartphone app to help you.

The solution: avoid the problem altogether by paying with a credit card for the best exchange rate, but check that receipt carefully!

6. Let’s Practice English

This scam occurs in different versions around the world, but the gist of it goes like this: a pretty young person stops to chat with you and asks for some of your time to practice their English skills. They want to better themselves and get a good job, and you feel sympathetic.

The problem is they take you to a place where they know the management and when it’s time to pay the bill, it’s either an outrageous amount or your credit card number has just been stolen.

The solution: decline offers to help unless you have a way to know the person is legit. Keep your credit card close, watch when it’s run through the machine (if possible), and verify your receipts.

7. The Pickpocket in the Back of the Bus

This is popular in cities with bus tours. Pickpockets – usually working in groups of two or three – scope out the tourists and pick out which ones to rob. While one causes a disturbance, typically in the back of the bus away from the driver, the others steal your small valuables.

This scam works especially well if the bus frequently stops and has exit doors in the back.

The solution: again, stay aware and don’t let distractions cause you to lose control over your valuables.

8. The Market Squeeze

Cramped and congested passageways of market places around the world make the perfect scenario for a pickpocket technique called “the squeeze”. As the crowd presses in around you, you may find yourself crammed between many people with no ability to move your arms. By the time you get free, your pockets have been emptied and the thief is nowhere to be seen.

The solution: watch yourself in crowded areas. Keep your wallet and purse very secure and hidden and avoid thick crowds.

9. Free Music for Everyone

This one is popular in New York’s Times Square and it goes like this: a musician hands a tourist a CD even offering to autograph it. Once it’s in your hands, you’re suddenly surrounded by a host of friends as the musician demands cash and refuses to take the CD back.

The solution: don’t accept things people hand you, and if you get in this situation, place the item on the ground and walk away.

10. Sticky-fingered Monkeys

This one is common in Bali where the monkeys are allowed to roam free. Some enterprising people train the monkeys to retrieve wallets and other valuables, but in some cases, the monkeys are just curious themselves.

The solution: hold tightly to purses, wallets, and backpacks and secure items like glasses that can be easily snatched. Otherwise, you could be looking for a treat to trade with a monkey.

Travelers who get in a bad spot on a trip, and then make a claim with their travel insurance company, often feel like they’ve been cheated when their claim is denied.

More often than not, however, they’ve made a mistake when purchasing their travel insurance.

These are the most common mistakes made by travelers when buying their travel insurance.

1. Buying ‘travel insurance’ with your ticket

Lately it seems that everyone is getting in on the trip protection game, and for a traveler, it seems like the easy choice: buy your airline ticket and for just a few dollars more, you’ve got trip cancellation insurance.

Our comment board is full of complaints about these types of plans. The problem is that the coverage is very narrowly defined and almost never delivers the protection a traveler wants and needs.

See that link to buy Travel Insurance now? Don’t click it!

2. Assuming your Credit Card has the Coverage you need

This is a common mistake, travelers avoid purchasing travel insurance because they believe they already have it with their credit card. While the advertising may look similar, the travel protections offered with your credit card agreement simply don’t measure up to the level of protection offered by a true travel insurance plan from a reputable travel insurance company.

See Credit Card travel protection vs. Travel Insurance for more information.

3. Forgetting about recent illnesses

If you have seen a doctor for an illness or injury within the look-back period, that’s going to be considered a pre-existing medical condition. If you encounter a problem related to that condition and you don’t have the pre-existing medical condition waiver, your trip insurance could be invalid.

See our review of Pre-existing medical condition coverage to determine whether you need this waiver.

4. Ignoring the Exclusions

Every insurance plan has exclusions, but the exclusions in your travel insurance plan can leave you in a bad spot. Travel insurance companies have to limit the coverage to limit their liability.

We recently encountered a father who was angry because his daughter’s trip interruption wasn’t covered. His daughter had abandoned her trip because her best friend committed suicide. Neither suicide nor best friends are included in the covered reasons for trip interruption, and reading the policy description is essential if you are to understand the plan.

See What Travel Insurance Does Not Cover for more details.

5. Neglecting the covered reasons for trip cancellation

Many people assume ‘trip cancellation’ means for any reason at all, and that’s just not true. For example, you can’t cancel your trip because you just lost your job if that’s not a covered reason listed in your policy (many policies do cover this).

All travel insurance plans provide a clear list of covered reasons for trip cancellation. If your reason isn’t on the list, your cancellation won’t be covered.

6. Failing to purchase the plan in time

While you can buy travel insurance right up until the day before you leave, nearly all plans require that you purchase your plan with a certain number of days from making your initial trip payment to have coverage for a number of travel risks, like pre-existing medical conditions and hurricanes, for example.

Buying your travel insurance as soon as possible is the best way to avoid common problems travelers encounter. See When should I buy my travel insurance? for additional information.

7. Providing incorrect trip details

When you receive your trip insurance documents in e-mail, stop and verify you’ve provided the correct information, such as your travel start and return dates, the traveler’s ages, your target destination, your total trip cost, etc. If anything is wrong here, it can invalidate your travel insurance plan.

The solution?

Every travel insurance plan comes with a free review period and in that timeframe, you can change or cancel your policy (for a minimal fee). Luckily all travel insurance policies – even those you purchase from the airline – have a free review period in which you can make changes and even cancel your policy.

Related topics

Making changes to your policy
Canceling your policy

In the past, most travelers simply never considered travel insurance unless they were taking a very expensive trip. These days, however, travel insurance is finally getting a second look due to:

• volcano eruptions
• cruise ship wrecks
• flooding
• snowboard accidents
• and that’s just recently!

From impossible-to-predict disasters to natural disasters to medical emergencies and tragic accidents, travelers who don’t have travel insurance bemoan the fact and wish they’d purchased it. The travel industry has seen a healthy share of changes and developments in the last decade, but big, dramatic stories like the ones listed above are getting people to think about travel insurance.

Then, news of another airline consolidation or bankruptcy happens and travelers find themselves vying for the few remaining seats available on the last routes profitable to airlines and, well, you get the idea.

Rough Economy = Strict Cancellation Rules

In a rough economy, cruise lines, airlines, hotels, inns, bed and breakfasts, and tour operators have all tightened and published their cancellation policies, and many are quite restrictive, leaving travelers with stiff penalties and loads of unexpected out-of-pocket expenses if something happens.  Hey, they gotta make money somehow, right?

Just Getting Started?

If you are just beginning to realize what travel insurance can do for you, start with our Travel Insurance 101 guide for a good understanding of how it works, what ‘gotchas’ to avoid, and how to make the right travel insurance purchase without spending a lot of extra money.

Trust us, one long layover in New York City and we’ll make a travel insurance believer out of you. Don’t let that happen.

Air travel is no longer as fun as it once was and as the airlines have gotten stingier and stingier, travelers have had to find ways to be comfortable while traveling and still get everything through security.

The following are 5 absolute essentials no traveler should board an airplane without:

1. Essential medications – things to keep in your carry-on include all essential prescription medications. If you are separated from your bags for a significant amount of time, have what you need to stay healthy. This is especially true for people with diabetes and those who experience sudden attacks of asthma, for example.
2. Personal care items – nasal sprays, spare contact lenses, your own toothbrush and toothpaste can all make you feel more comfortable even if you are on a flight for a very long time. Think about what will keep you comfortable on a long layover and stick those in your carry-on.
3. A little food – in the past, the airlines were much more generous with food and drinks, but as they’ve tightened their belts, it leaves passengers responsible for their snack needs. These days, it’s super easy to get pre-packaged snacks or stick a piece of fruit in your bag.
4. A water bottle – empty it before security and fill it up after you get through. This way, you’ll stay hydrated on the flight even if the flight attendants can’t get to serving drinks.
5. Your credit card – cold hard cash no longer gets the respect it deserves. Everyone wants plastic. If you’re at 35,000 feet and just have to get something to drink or see how that movie turns out, you’ll need your plastic.

Of course, last – but not least – is your brand of entertainment. Flight time is forced down time, so bring what you need to get through – music, games, e-readers, magazines, whatever. For some people, flight time is nap time, and they may want to bring eye shades, a light blanket, noise-canceling headphones, even a sleep aid.

We’ve encountered a few variations of this question over the years in our comments: “Why doesn’t the travel insurance company ask pertinent medical questions before they sell me a policy?”

As a consumer, you have a right to purchase insurance of all kinds. It’s your responsibility to have the insurance you need to cover your situation. For example, your homeowners’ insurance provider doesn’t ask if a tree appears about to fall on your house. It’s your responsibility – as the homeowner – to get the right home insurance to protect your home and your belongings.

How Consumers Make these Travel Insurance Mistakes

The primary mistake travel insurance consumers make is failing to read their policy.

What happens is that most travel insurance consumers purchase a plan that has ‘trip cancellation’ and they think that it means cancelling a trip for any reason, at any time, and getting a full refund – no matter what.

Travel insurance is no different than other insurance products in that is has limitations and exclusions. Remember all the folks with flooded homes who moaned about their homeowners’ insurance failing them? Standard homeowners insurance does not cover flooding that occurs from outside the home. It was a surprise to all those homeowners, but not to anyone who had read their policies.

The next mistake travel insurance consumers make is failing to purchase the right coverage.

If you know you have a pre-existing medical condition, or if you’ve been to the doctor to be treated for a condition, then it’s your responsibility to be honest with the travel insurance company about the situation and purchase the coverage you may need on your trip.

The travel insurance plan’s description of coverage details the list of limitations and exclusions and that is your agreement with the travel insurance company. Typical medically related exclusions include items like the following (these are copied from the current version of Worldwide Trip Protector Gold from Travel Insured International):

1) Pre-Existing Conditions, as defined in the Definitions section (except Emergency Evacuation and Repatriation of Remains), unless the policy is purchased within 30 days of the initial Trip deposit. The booking for the Trip must be the first and only booking for this travel period and destination, You are not disabled from travel at the time You pay the premium, and You must purchase this policy for the full non-refundable cost of Your Trip;
2) Suicide, attempted suicide or any intentionally self-inflicted Injury while sane or insane (in Missouri, sane only) committed by You, Traveling Companion, or Family Member whether insured or not;
3) War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war (does not apply to Cancel for Work Reasons coverage);
4) Participation in any military maneuver or training exercise (does not apply to Cancel for Work Reasons coverage);
5) Piloting or learning to pilot or acting as a member of the crew of any aircraft;
6) Mental or emotional disorders, unless hospitalized;
7) Participation as a professional in athletics;
8) Being under the influence of drugs or intoxicants, unless prescribed by a Physician;
9) Commission or the attempt to commit a criminal act by You, Traveling Companion or Family Member whether insured or not;
10) Participating in bodily contact sports; skydiving; hang gliding; parachuting; any race, bungee cord jumping;
speed contest; spelunking or caving; (Does not apply while on Your Trip if You purchase Sports Coverage);
11) Participating in extreme skiing or mountaineering (mountaineering below 15,000 feet is covered while on Your Trip if You purchase Sports Coverage);
12) Dental treatment except as a result of Accidental Injury to sound natural teeth;
13) Pregnancy and childbirth (except for Complications of Pregnancy or as specifically provided under Part A);
14) Traveling for the purpose of securing medical treatment.

In addition, there may be coverage-specific exclusions like the following:

The following limitation applies to Trip Cancellation: All cancellations must be reported directly to the Travel Supplier within 72 hours of the event causing the need to cancel, unless the event prevents it, and then as soon as is reasonably possible. If the cancellation is not reported within the specified 72-hour period, the Company will not pay for additional charges which would not have been incurred had You notified the Travel Supplier in the specified period. If the event prevents You from reporting the cancellation, the 72-hour notice requirement does not apply; however, You must, if requested, provide proof that said event prevented You from reporting the cancellation within the specified period.

The travel insurance companies have done their part by making their policy available to you and, even better, giving you a free look period to review it, ask questions, and make changes or cancel your policy.

Now you have to do your part and read the policy to know that you’ve purchased what you need to cover your trip.

Related topics

7 Things that Confuse Travelers about Travel Insurance

4 Steps to 100% confidence in your travel insurance plan

These days, the world of traveling families is very different. Working parents don’t always have the time or money to take their kids on vacations and, in some cases, grandparents are stepping in to fill that role.

We decided it was time to look into the plans that are best suited for grandparents taking their grandchildren on vacation. We wanted a package plan in order to have the full range of benefits that grandparents and grandkids need. The following are the essentials:

• Trip cancellation/trip interruption
• Travel medical and emergency evacuations/repatriation
• Baggage loss and baggage delay
• 24/7 emergency assistance services

Travel Insurance Package Plans for Grandparents

When we thought about what grandparents might want in a travel insurance plan for a trip with the grandkids, we determined that covering the kids for free would help offset the cost (especially since the price of insurance will already be affected by the age of the grandparents). Also, we wanted the option to purchase a pre-existing condition waiver with the plan.

In searching around we came up with the following plans that meet these criteria:

• Travel Select by Travelex
• TraveLite by Travelex
• Classic by Allianz
• Worldwide Trip Protector by Travel Insured
• Gold by Travel Guard

Travel Insurance Price Quote Example

To get an idea of the costs, we decided to run sample vacation details through our travel insurance comparison engine and see what the costs for travel insurance would be. We used these trip details:

• Spring break trip to Costa Rica
• One week of travel March 18-25
• No trip cancellation, but we wanted trip interruption in case they had to get back home quickly
• Pre-existing condition waiver available
• 4 travelers from Kansas, ages: 78, 76, 14, and 12

Using the trip details listed above, we found many plans to fit the needs of these travelers:

Each plan, of course, has varying degrees of coverage, so it’s important to review them carefully before choosing. After you choose, remember that you have a free review period in which to study the plan, ask questions, and make changes.

It’s important to remember that to get the pre-existing condition waiver, you have to purchase the trip insurance within a certain number of days of making your initial trip deposit. See our pre-existing condition coverage review to fully understand how that works.

Related topics

• Prepare for a Personal Medical Emergency with a Travel Medical Portfolio
• Finding Medical Care on the Road and in a Hurry

Travel insurance is a relatively new insurance product and when travelers see advertising for travel insurance that says it covers trip cancellation and evacuation and baggage, they believe it will cover accidents of all kinds.

The truth is that travel insurance is just like any other insurance product – you gotta read the policy.

You already know the kinds of things you can’t do and expect your homeowner’s or automobile policy to pay up, and now it’s time to start understanding what travel insurance covers – and what it doesn’t. We’ll review some of the top travel scenarios that cause traveler confusion and explain how it works.

1. “I bought a travel insurance policy that covers trip cancellation, and I had to cancel my trip; now why won’t the travel insurance company reimburse me?”

The reason for your cancellation is the key here. You must understand the covered reasons for trip cancellation according to your policy. For example, one policy may reimburse your pre-paid trip costs if you have to cancel because you lost your job; but the policy may also stipulate that you have to have been employed at the same company for a defined number of years. Another policy may let you cancel due to an illness in the family, but you must be sure that the family member is covered. For example, if you are cancelling because your sister-in-law is ill and you have to help take care of the kids – does your travel insurance policy consider a sister-in-law a family member? See your description of coverage and look for the definition of ‘family member’ to find out. See our full review of trip cancellation coverage to understand how this travel insurance coverage works.

2. “I have travel medical coverage with my travel insurance policy, and I got ill while on vacation. Now, why won’t the travel insurance company says it was a pre-existing condition and they won’t reimburse my expenses. Why?”

A travel insurance company, just like a health insurance company, has to consider pre-existing conditions and pre-existing medical conditions are excluded by default from every travel insurance policy. A pre-existing condition is “any injury, illness, disease or other medical condition that occurs prior to the travel plan’s effective date and for which you had symptoms and sought diagnosis, medical treatment, and/or new prescription medications or a change in your current prescription.” If you have seen a doctor for any treatment during the look-back period (which is the 60 to 180 days prior to your travel insurance purchase), and you get sick on your trip, that illness must be completely unrelated to your previous doctor’s visit to be covered. See our full review of pre-existing medical condition coverage if you suspect that may be a factor on your trip and consider purchasing the pre-existing condition waiver.

3. “I got a little drunk at a party and fell off a chair and broke my ankle. Now, my travel insurance company is refusing to pay the medical bills. I don’t understand.”

In every travel insurance policy, there is a list of exclusions and in each of those lists, travel insurance companies limit their losses if you get drunk or take drugs. Check the list of exclusions in your policy and you will find text similar to the following: “We will not pay for any loss under the plan caused by or resulting from: being under the influence of drugs or intoxicants.” If it’s drugs that got you into trouble, you’re really out of luck because travel insurance also excludes any criminal acts that you commit and criminality is determined by the local laws, not the laws back home. See our full review of travel medical coverage to understand what is and isn’t covered when you’re on a trip.

4. “I was on vacation in Costa Rica and we had the opportunity to bungee jump. Unfortunately,  I hit the bridge on the rebound and broke my collar bone and wrist. My travel insurance company is refusing to reimburse my medical bills. Why?”

When you’re on vacation, it’s understandable that you want to try all the activities you can. After all, when will you get the change to bungee jump again after you get home? Still, the reason you are being denied coverage is right in your policy, under the list of exclusions. Almost all travel insurance plans specifically refuse to cover activities like mountain climbing, rock-climbing, bungee jumping, sky diving, hang gliding, para gliding, and even para-sailing (a popular activity at all-inclusive resorts). Check your list of exclusions before you sign up for that once-in-a-lifetime activity and consider purchasing a travel insurance policy that covers adventure activities.

5. “We purchased travel insurance for our cruise, and a mechanical failure caused our connecting flight to be delayed two hours and we missed our cruise departure. Now, the travel insurance company is refusing to reimburse our costs. I thought travel insurance was supposed to cover these things!”

As with any coverage, it’s important to read the fine print. Missed connection coverage requires that the traveler allow enough time in their planned itinerary to reach the flight or cruise departure. If you have a tight connection time and are landing a short time before your cruise departure, the travel insurance company may claim that you didn’t allow enough time for travel. Also, missed connection coverage, just like travel delay coverage, often requires that you are delayed a minimum number of hours (usually at least three). In this case, it’s likely that the flight delay wasn’t enough to meet the minimum number of hours. That combined with your compressed travel times is enough for the travel insurance company to deny your claim. Read our full review of missed connection coverage to understand how this coverage works.

6. “I was on a business trip in Egypt when the civil uprisings grew violent and I wanted to leave. Unfortunately, my return flight wasn’t for another week but it appears they may close the local airport anyway. I just want to get out of here!”

In the event that an emergency situation occurs, and you are in imminent danger while traveling in a foreign country, the right coverage on your travel insurance policy will help you and any insured dependents be evacuated to a place of safety. Not all travel insurance policies have security or political evacuations in their coverage; in fact, most specifically exclude coverage for war, civil uprisings, military action, and other similar dangers. If you are traveling to a country where the political situation is tense, it’s important to review your policy and be sure that you have the coverage you need for the situations that could arise on your trip. See our review of security and political evacuation coverage and consider contacting your travel insurance assistance services hotline if you have questions about your safety on your trip.

7. “I was on vacation in Hawaii with my daughter when we discovered that our hotel room had been ransacked while we were on the beach. Our camera, money, cards, and smart phones were stolen. Now the travel insurance company is saying they don’t cover those things and I don’t understand.”

While baggage coverage from a travel insurance company, unlike the baggage protection you get with the airlines, covers your belongings even after you leave the airport, this coverage is like any other coverage in that it has limitations. In all travel insurance plans that include coverage for baggage and personal belongings is a list items that it will not cover. These items typically include jewelry, cameras, sports equipment, electronics, laptops, cash, and bank cards. If you read your travel insurance policy you’ll notice that there are items that are specifically excluded: money, credit cards, eye glasses, documents,, and more, and there are items that are subject to special limitations. These include jewelry, watches, electronic equipment, cameras, and more. Items that are subject to special limitations are covered only up to the limit defined in the policy and that limit is separate from the policy limit or the per-item limit. Read our full review of baggage coverage to better understand your travel insurance plan.