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Pre-existing conditions are one of the most misunderstood aspects of travel insurance. They're also one of the most consequential

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Travel insurance is one of those products people buy with vague confidence and specific ignorance. You know roughly what it does. You know it involves medical stuff and maybe flight cancellations

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Most people understand, on some level, that travel insurance is more important abroad than at home. What they often don't understand is why — and why the policies themselves are structured so differently

I used to be the person who skipped travel insurance. Every time I booked a flight, I'd see that little checkbox — add travel protection for $45 — and dismiss it without a second thought. I'd been traveling for years