Let me ask you something. You spent months planning your trip. You put down deposits on a cruise, pre-paid tours, booked non-refundable flights. You've got thousands of dollars committed to this vacation — probably more than you spent on the last three trips combined. Did you buy travel insurance? If your answer is "I think my credit card covers that" or "I'll probably be fine" — this post is for you. The Honest Truth About Why People Skip It Travel insurance feels like buyin