@Mountainaire Talking about Travel Insurance generally - I used to work for a reseller - and I saw the warts and failings .. and yes have been caught out by exclusions (e.g. a week before I was due to travel to a country it was invaded and I had to change all my travel plans - but my insurance policy excluded acts of war - so my insurance couldn't help.What I find a challenge is that people don't see the value when nothing happens. - When something does we would talk about "the moment of truth" - if we handled it well the person would stay and use us for the rest of their life. If we didn't .. they would tell all their friends and the world no to use us or not to get travel insurance.The struggle was to make policies competitive in this situation but comprehensive. (where competitors excluded things)But the truth is that whether you end up needing it or not you do actually get value - because you have mitigated the risk (that you have covered) - its a cliché but its the 'peace of mind' - but that's really hard to sell.Pooling risk - social insurance - does really help with this approach but there are a few mutual and/or social insurers for travel insurance - because people tend to think of themselves as travellers or not travellers - but a good example of this working well to a degree are annual car hire excess policies - which allow you to decline the expensive daily fees from car hire companies and get reimbursed for any costs from an annual policy that often only costs about 2 days worth of car hire all inclusive insurance.