Help! My travel insurance didn’t work like I thought it would

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One of the most common answers to a travel problem is: You should have bought insurance. I’ve said it and chances are, you have too.

And it’s true — except when it isn’t.

Consider what happened to Janice Zatarain, who bought a travel insurance policy through Travelex to cover her family trip to Europe. She, her husband and her son would be flying from San Francisco to London and Paris.
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The death of a customer doesn’t guarantee survivors a refund

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Marlene Eckert was looking forward to a spring river cruise in southern France, which included planned ports of call in scenic Lyon, Beaujolais, Arles and Avignon, along with an extension to Nice. But in January, her husband suffered a massive heart attack and died.

Eckert, a business analyst from Los Angeles, asked her cruise line, Viking River Cruises, for a favor: Could she change the second passenger’s name from her husband’s to that of a friend who had also recently lost a spouse?
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