Question about Travel Insurance

A travel photographer who put a question about travel insurance on Tripatini's Ask a Travel Pro widget has gotten some answers from knowledgeable people in the insurance business. But how would you travel writers who aren't in the insurance business answer his inquiry? Please have a look and, if you have some wisdom on this matter, chime in.  http://www.tripatini.com/forum/topics/comparing-apples-to-evac-with-travel-trip-insurance

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