We may receive compensation from Faye as an advertising partner. However, this does not influence our evaluations. Our opinions are our own. I’ve been writing about travel for nearly two decades and, in that time, I’ve watched the travel insurance industry change at roughly the speed of a glacier. For years, the pitch was always the same: buy a policy, hope you never need it, and if something goes wrong, prepare for a paperwork marathon and a check that arrives somewhere between “eventually” and “you’ve forgotten you ever filed.” I’ve personally been on the receiving end of that runaround. So...