In a column earlier this month, Abigail Van Buren wites to a couple whose husband is ailing, "I'm advising you to get travel insurance well in advance." For good reason. Did you hear the one about the honeymooner hit by a boat in Belize who amputated? Or the 62-year-old who suffered a heart attack somewhere in the Mediterranean and needed emergency heart surgery? Scary tales from the insurance companies do a good job of playing on our fears. But these kinds of emergencies do in fact...

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