For many of us, travel insurance remains a confusing, unclear, and often frustrating part of our travel experience. More and more travelers are discovering their claims have been denied.

One reason? They didn’t read the policy before buying the insurance. That’s not always easy to do, especially online. Or, they had a pre-existing medical condition. Or, in the case of weather, they purchased insurance after a storm was named by the National Hurricane Center. 

The best advice: never buy travel insurance online. Opt out of the offer and talk with a travel agent or advisor instead. They can help translate policy language and coverage provisions, and sell you a policy that actually protects you.