extreme sports, may not be covered;
• Strikes, civil disturbances and terrorist acts may not be covered;
• Certain policies will cover you if your travel operator goes out of business, but only if they weren’t already on a “watch-list” of suspected shaky companies;
• If you are going on a cruise or tour, make sure the policy covers the entire trip, including airfare, hotel, shore excursions, sightseeing and any touring; and
• Know if the coverage is primary or secondary. Secondary coverage means that you must file a claim with your other insurance (such as homeowners or medical) before the travel insurance will kick in. Primary coverage means that the travel insurance reimburses you before any other insurance. Page 1  |  Page 2  |  Page 3  |  Page 4  |  Page 5  |  Page 6  |  Page 7  |  Page 8