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Let’s say you get fired and decide you shouldn’t take that trip. Layoffs are covered, right? The exclusions say you’re not covered if you haven’t worked continuously for that employer for three years and if it’s your fault you got fired. It’s unclear from the policy who gets to determine fault or how it’s ascertained.

That’s just one of the loopholes. Preexisting medical conditions can exclude you.

Having anxiety yet? You should be. “Travel insurance is an opportunistic insurance,” said John Breyault, vice president of public policy, telecommunications and fraud for the consumer association and the author of the study.

©2013 Los Angeles Times
Distributed by MCT Information Services

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