Does travel insurance have too many exceptions?

Question: A friend and I purchased a tour from Friendly Planet to Ecuador last July. We booked a round-trip flight on American Airlines from Dallas to Miami to arrive in time to connect to the LAN flight to Quito, Ecuador.
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Case dismissed: “The insurance will not cover our tickets”

Beware of the pre-existing medical conditions clause in your travel insurance policy!

Oh alright, maybe that’s a little dramatic. But could you at least pay attention to it?

I mention this because of Ingrid Murray, whose claim against Access America recently crossed my desk and then made its way into the “dismissed” file.
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“This seems more like fraud to me”

Ken Smith isn’t the only person affected by the untimely demise of Cruise West. But he thought he wouldn’t be in the same boat as the other stranded passengers. After all, he had travel insurance.

He thought wrong.

His insurance company, Access America, said it wouldn’t cover a company for financial default. I got involved to see if I could help, and I’ll get to the resolution in a moment. But first, let’s hear from Smith.
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Is the health insurance debate missing travelers?

hospitalDoes your health insurance cover you when you leave the country? A survey commissioned by the US Travel Insurance Association suggests you aren’t.

Traditional domestic health insurance plans typically limit coverage for out-of-country medical expenses to emergency-related costs, it found. They also have high deductibles and co-pays for emergency treatment abroad and don’t cover emergency transportation in cases of life threatening illness where medical evacuation may be required.
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