My mother loves to travel and she never makes reservations without buying travel insurance. And with hurricanes and terrorist scares, more people are doing the same, but is it worth the cost?

Before you buy travel insurance, take into consideration a few realities.

Cancel for any reason policies usually cost a minimum of 40% more than standard policies and often refund only 75%.

If you're buying for hurricane disruption or a potential terrorist attach, it's probably not covered. If the policy does cover terrorism it will most likely impose strict limitations such as an attack at your destination within 30 days of your departure and will not cover other cities in a country where an attack has taken place.

My mother doesn't buy for hurricanes or terrorists, though. She buys it for medical care which is important because her medical insurance isn't accepted overseas.

But even these policies are filled with exclusions.

BEWARE!!

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