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Getting the correct travel Insurance that pays

US health insurance does not , mostly cover foreign health costs, then there is trip cancellations and lost baggage and of course non refundable trip bookings

I recently used John Hancock

Sleazy insurance.... you loose something and they find some hidden clause in their really long contract which they do not present a summary of when you buy

Be aware

Any suggestions...

Alianz is an option American Express is another

They are good but somewhat expensive...