I have never been shy about travel insurance. I’ve needed it firsthand, and a hospital visit in Bali at 3am will do that to you. I’ve also argued that if you can’t afford travel insurance, you can’t afford the trip. Nobody enjoys the lecture on why you need it, you already know. The question nobody answers well is the next one. Now that you’re buying, how do you buy it well? Most of us overpay, for cover we’ll never claim, in regions we’ll never visit, on plans sold to us on fear. This guide is how I stopped doing that. Buy For Catastrophe, Not Annoyance One idea changes how you buy: insure for the thing that can bankrupt you, not the thing that annoys you. A delayed flight is annoying. A lost bag is annoying. You can absorb them, a few hundred dollars at most. What you can’t absorb is a medical emergency overseas, a hospital stay or, worse...