My wife and I just returned from a (non-Rick Steves) stay in the UK and France. Unfortunately, my wife discovered she had lost her passport just before we were to fly from Southampton to Bordeaux. We had to travel to London from Southampton to get a new passport at the US Embassy. Needless to say this involved some additional expense so upon return to the US I filed a claim under trip delay provision of my insurance. Naively, we took the train from Southampton to London. But I was shocked to learn that the only mode of transportation defined as a "Reasonable Additional Expense" (for trip delay) by this often recommended insurer was a taxi. Thus the transportation portion of my claim was denied.
Passports can be lost or stolen in many places, but they can be replaced in only a few. Don't make the same "rookie" mistake I did. Read the fine print now, including every definition in your certificate of insurance.