Do you get a refund on your travel insurance if you die?

Janet Fried and her husband had big plans to take a Mediterranean cruise next year with Tauck, a luxury tour operator. They looked forward to casting off in Marseille, France, on a small ship and visiting exotic ports of call in Corsica, Italy, and Sicily.

But they’ll never have that chance. In December, her husband died.

What followed should have been straightforward: Tauck should have refunded all of her money. It didn’t.

6 times when you’re better off without travel insurance

Even though Jon Look is a frequent traveler, he always leaves home without travel insurance.

“I have never purchased a travel insurance policy,” admits Look, a retired photographer. “It adds expense and complications and rarely pays off.”

Traveling without insurance? Yep, most Americans still do it, and some of them with good reason. Because not everyone needs insurance and some people wouldn’t be able to use it even if they bought it.

As it turns out, there are times when you’ll want to skip that insurance policy. It may not be as often as you think, but it happens.

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