I used to think travel insurance was a scam until a $340 ER bill in Cusco changed my mind
For years I skipped travel insurance on every trip, figured it was just $50 down the drain. Then on day 3 of a week in Cusco I got bad altitude sickness and spent four hours in a clinic that wanted $340 cash before they'd let me leave. A friend on the same trip had paid $38 for a basic policy and got her whole dental emergency covered two days later. Now I'm the annoying person who reads the fine print before booking. Does anyone have a policy they actually trust for short trips, or is it all kind of a gamble?