Insurance remains one of the most misunderstood areas of the travel experience. And most of us remain confused by what is and isn’t included when we travel.

Want to go zip-lining in Costa Rica? You are probably not insured.

Do you want to test drive a brand new car in Germany? Forget it.

Then, there is scuba diving and riding a mountain bike. Those activities are probably not covered either.

And even if you travel to run a 10K, the insurance companies tend to declare it as an excluded risk.

The bottom line here is to read your travel insurance lines more carefully–before you even sign up for them.