If you have travel  insurance, you think you can travel without a care in the world but it is  not so.  You still have to chase the insurer and fight, go back and forth.  But because you are tightly tied down owing to a medical emergency or a death in the family,   you may not be up for a long fight to get people to honor the commitment you thought they had with you."

Like any insurance product, travel medical insurance is not something you can buy in an instant. A typical policy consists of 15 to 25 pages of small print.   The Insurance  companies often try to tell you that it is  a worry-free purchase.

"We understand that your vacation can take a year to save for, but only a second to ruin," says AIG Travel Guard  - "While you can’t do anything to prevent an unexpected storm from closing the airport, you can do something to help cover your investment – buy travel insurance."

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