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I bought my first travel insurance policy in 1999 before heading to Southeast Asia for the Millennium. My husband and I and our son, then 2, would be staying at a luxury resort on a private island in Malaysia and the place had a strict policy on no-shows: if we canceled within five days of our scheduled arrival date (say our toddler came down with an ear infection so we couldn’t fly), we’d be on the line for the entire cost of our stay. They had our credit card number to guarantee it.

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