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Choosing travel insurance as a remote worker isn't just about finding the cheapest monthly premium
Here's something the personal finance world gets slightly wrong: they treat travel insurance as an optional luxury, something you evaluate on a trip-by-trip basis and skip when the budget is tight
Shopping for travel insurance feels deceptively simple until you actually need to file a claim
Most people think of travel insurance as the thing that reimburses you if your flight gets canceled or your luggage goes missing. And it does that
The travel insurance industry was built for vacationers: people who leave on a Friday, return on a Sunday two weeks later, and do it twice a year. The coverage structures, pricing models, and product architectures all reflect that assumption
Credit card travel insurance is one of the great illusions of personal finance. It feels like you're getting something valuable for free, and sometimes you genuinely are
The travel insurance industry was built for vacationers: people who leave on a Friday, return on a Sunday two weeks later, and do it twice a year. The coverage structures, pricing models, and product architectures all reflect that assumption
A friend of mine — a freelance developer who'd been traveling for three years without a serious incident — fell off a scooter in northern Thailand and broke his collarbone. The injury itself wasn't catastrophic
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