Alternative forms of insurance you need to know about now

Think you need travel insurance? Think again.

You might require something else — either a specialized insurance product that protects only one aspect of your trip, or something that isn’t insurance at all.

Call it “alt” insurance.

No, we’re not about to get political. Alt insurance is real and it can protect you regardless of ideological leanings. Sometimes, it isn’t insurance at all, but a different form of protection.

I agreed to pay $26 for car rental insurance, but was charged $26 per day. Can you help me get a refund?

When Frank Diss rents a car in San Antonio, he accepts an agent’s offer of optional insurance coverage for a one-time cost of $26 for the entire term of his rental. But when Diss returns the car, he’s billed $208 more than he expected. Does he deserve a refund?

Some loyalty! Here’s how Marriott’s best customers got stuck with a $45,000 bill

After a trip to Paris gone bad, Virginia Sinclair-Brooks is facing some serious bills. On her third day in Paris, her back “went out,” and she was in sudden, severe pain. Her daughter took her to the hospital, where doctors confirmed she had a herniated disc, touching her sciatic nerve.

Get smart. Sign up for the newsletter.