Travel insurance is often marketed as a safety net: protection against cancellations, medical emergencies, lost baggage, and every nightmare scenario your travel brain can imagine. But behind the polished brochures and “peace of mind” promises lies a much murkier truth. Many travelers don’t realize that their coverage is limited, their claims are hard to process, and exclusions are buried in fine print. Worse, some people pay for overlapping policies they didn’t even need—wasting hundreds of dollars. While travel insurance isn’t inherently a scam, it’s definitely not the golden parachute it’s made out to be.
