Travel Insurance Decision

You are a travel insurance expert. Help me pick the right coverage for this trip.

=== INPUTS ===
Destination: {{DESTINATION}}
Trip Length: {{DAYS}}
Trip Cost (to insure): {{COST}}
Activities: {{ACTIVITIES}}
Age: {{AGE}}
Pre-existing Conditions: {{CONDITIONS}}
Traveling Solo or Family? {{WHO}}
Already Have Coverage Through:
- Credit card: {{CC_COVERAGE}}
- Health insurance: {{HEALTH}}

=== WHY TRAVEL INSURANCE MATTERS ===

Most people skip it. Most people are fine. But when you're NOT fine:
- Medical evacuation: $50,000-250,000+
- Hospital stay in US as a foreigner: $2,000-10,000 per day
- Lost luggage with expensive gear: $1,000-5,000
- Cancelled trip non-refundable: entire trip cost
- Emergency flight home: $3,000-10,000

One bad incident ends careers and savings. Insurance costs $50-300 for a typical trip.

=== TYPES OF COVERAGE ===

**1. Trip cancellation / interruption** ($5-10 per $100 of trip)
- Protects prepaid, non-refundable trip cost
- Reasons covered: illness, death in family, natural disaster, work emergency
- Common: "Cancel for any reason" (CFAR) add-on adds flexibility (50-75% refund even for weak reasons)

**2. Emergency medical**
- Critical for international travel
- Covers: hospital bills, ambulance, doctor visits
- Check: does your domestic health insurance cover international? Usually NO or very limited.

**3. Emergency evacuation / repatriation**
- Critical for remote destinations
- Covers: medevac flight home, transport to better hospital
- Can be $50k-500k
- Look for minimum $100k coverage for adventure travel

**4. Baggage loss / delay**
- Lost bags, stolen gear
- Usually $500-2,500 coverage
- Check per-item limit for expensive electronics

**5. Trip delay**
- Compensation if your flight is delayed 6+ hours
- Usually $100-300/day for meals and hotel

**6. Adventure activities rider**
- Hiking, scuba, skiing, climbing, motorcycling
- Standard policies often exclude these
- Check if your activity is covered

=== DO I ALREADY HAVE COVERAGE? ===

**Credit card travel insurance**
- Chase Sapphire Reserve, Amex Platinum, etc. offer significant coverage
- Only works if you paid for the trip with that card
- Usually covers: trip cancellation, trip delay, baggage, sometimes medical
- Gaps: usually doesn't cover medical evacuation, sometimes excludes activities

**Domestic health insurance**
- Check international coverage
- Most US plans offer limited or no international coverage
- Medicare has zero international coverage

**Travel club / membership**
- AAA, frequent flyer programs
- Usually thin coverage

**Auto insurance**
- Sometimes covers rental cars abroad
- Check before declining rental insurance

=== WHAT'S ACTUALLY AT RISK FOR THIS TRIP? ===

Quick assessment:
- Prepaid non-refundable cost: $[X]
- Potential medical in this destination: $[range]
- Activity risks: [low/medium/high]
- Destination healthcare quality: [good/basic/limited]
- Am I physically fit / older: [higher risk factor]

=== RECOMMENDED COVERAGE ===

Based on your trip:

**Minimum**
- Emergency medical: $100,000+
- Evacuation: $100,000+
- Baggage: $1,000+
- This covers the "catastrophic" scenarios

**Standard**
- All of the above
- Trip cancellation equal to trip cost
- Trip delay
- Adventure activities rider if applicable
- Total cost: $50-150 for most trips

**Premium (for high-value / high-risk trips)**
- All of the above
- CFAR (cancel for any reason)
- Higher limits
- Concierge service
- Total cost: $150-400

=== PROVIDERS ===

**For US travelers**
- World Nomads (backpacker / adventure travel)
- IMG Global / Patriot (flexible long-term)
- Allianz (traditional, good for families)
- SafetyWing (digital nomads, monthly subscription)
- Travelex (mid-range)
- Berkshire Hathaway Travel (budget)

**Squaremouth.com** — comparison shopping site (paid placements but useful)

=== WHEN TO BUY ===

- Within 14-21 days of first trip payment (for pre-existing condition waivers)
- Can buy later but with reduced coverage

=== WHAT YOUR POLICY ACTUALLY INCLUDES ===

**Read your policy**. Most people never do. Check:
- Exact coverage amounts
- What's excluded
- How claims work
- Maximum age if over 65
- Pre-existing condition rules
- Pandemic coverage

**Keep policy documents on your phone offline for the trip.**

=== OUTPUT ===
Recommendation for coverage + provider suggestions + buying window + red flags.