Mature Life Features

. . .table conversation t’other day,

one of the guys said

there was a time when

he was addicted to the hokey pokey . . .

but he turned himself around.

Travel Insurance Sometimes Isn’t

Among the many lessons a lot of folks learned during the coronavirus shutdown is that travel insurance doesn’t always cover everything. Many would-be travelers found out that the trip-cancellation coverage they thought they had, they didn’t. Everyone learned that a world-wide pandemic changed all the coverage rules.

Some airline and cruise customers were fortunate enough to receive refunds for their fares. Most of these ticket holders, however, have been given vouchers that precluded them from making insurance claims to recoup their loss.

The real lesson here is ask questions and more questions when you buy the coverage. Some insurers do not provide coverage for mishaps suffered during such activities as skiing or scuba diving while you’re on your trip. You also have to determine if your policy covers you for any misadventure or cancellations caused by any act of terrorism.

Before putting together a travel-insurance plan, check with your health-and-medical insurance agent to see what coverage travels with you. Then be aware that trip cancellation insurance pretty well settles around injury, sickness or death of you, members of your family or a travel companion. You also have to make sure you define any and all coverage you want, ranging from emergency medical evacuation to lost luggage.