Let’s be honest—no one likes thinking about worst-case scenarios before a trip. You’ve planned the perfect vacation, packed your bags, and you're dreaming about sunsets, sightseeing, and spa days—not paperwork and policies. But here’s the thing: travel insurance isn’t just a “nice-to-have.” It’s the behind-the-scenes hero that can turn a total disaster into just a temporary hiccup. And if you’ve ever said, “I’m healthy, careful, and my trip’s short—what could go wrong?” —th