Here's something the personal finance world gets slightly wrong: they treat travel insurance as an optional luxury, something you evaluate on a trip-by-trip basis and skip when the budget is tight
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The most picturesque places in the world are frequently the ones where things go wrong. Cliffs, waves, mountains, motorbikes, and ancient ruins don't care about standard exclusion clauses — but your insurer does
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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
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Nobody plans to be the person who skips travel insurance
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I want to tell you about a Tuesday morning in Porto. I was sitting in a café on Rua de Santa Catarina, the kind of place with tiny cups and even tinier pastries, watching the city wake up through a rain-streaked window
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