Don’t believe everything you read online, especially on user-generated review websites such as TripAdvisor or Yelp, which claim to help you find the best hotels and restaurants.
At least that’s the standard warning issued repeatedly by travel experts for the last decade. The ratings are rigged by hotel or restaurant operatives, or by unhappy patrons trying to shame a business, they say. Since the sites make no meaningful efforts to stop these bogus posts, all the so-called user-generated sites should be ignored when you’re planning your next trip.
When it comes to travel insurance claims, Hannah Yun was about as sure as anyone that hers would be successful.
She’d bought a gold-plated “cancel for any reason” policy for a trip to South Korea. When her boyfriend proposed and she decided to call off the trip to start planning her wedding, she thought that collecting a check would be just a formality.
Travel insurance used to be a small segment of the insurance business that protected people against the loss of a non-refundable deposit on a big-ticket vacation such as a safari or a round-the-world cruise. But the Sept. 11, 2001, terrorist attacks and a series of natural disasters in the early 2000s pushed it into the mainstream. Today, it’s hard to find a travel agent or travel site that doesn’t try to sell an optional insurance policy as part of a trip.
But should you buy one? That depends. Here are the most frequently asked questions about travel insurance: Continue reading…