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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
A base travel insurance policy is like a bare-bones laptop: it functions, technically, but you'll quickly discover what's missing. For occasional vacationers, the standard coverage is often fine
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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