And I’ve continued to suggest that if you do want to buy the insurance, don’t buy it online or from the travel provider themselves.

One compelling reason why is that if you need to make a claim, in many cases, the insurance company will write the check to the travel provider and not to you. And you might have to chase the travel provider to get your money, and that could take months.

Instead, always buy travel insurance from a third party, or through your travel agent or advisor.