Top tips for buying travel insurance
Watch the Cocktails

James Waddell
As much as travel insurance has become more consumer friendly, one thing has not changed, experts agree: if you get hurt, arrested or in other distress, and alcohol turns out to be at the root of the story, your claim will get turned down. Meanwhile, even the accommodating “cancel for any reason” policies have one awkward exclusion: “Committing a crime is not a reason to cancel your trip,” says North Carolina travel agent Nancy Cutter.

