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Here's something the personal finance world gets slightly wrong: they treat travel insurance as an optional luxury, something you evaluate on a trip-by-trip basis and skip when the budget is tight
The travel insurance industry was built for vacationers: people who leave on a Friday, return on a Sunday two weeks later, and do it twice a year. The coverage structures, pricing models, and product architectures all reflect that assumption
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Most travel insurance is designed with a two-week vacation in mind. You book a trip, you buy a policy, you go, you come home. The whole industry was built around this model, and for decades, it worked fine. Then remote work happened
Most people assume travel insurance pricing is driven by age, trip length, and maybe pre-existing conditions. Those factors matter