/* eslint-disable */ // ─── Hero ──────────────────────────────────────────────────────────────────── const InsuranceHero = () => (
); // ─── Coverage card ──────────────────────────────────────────────────────────── const CoverageCard = ({ card }) => (
{card.num} {card.badge && {card.badge}}
{card.topic}

{card.title}{card.titleEm && {card.titleEm}}

{card.desc}

{card.cost} · {card.read}
); // ─── Coverage grid ──────────────────────────────────────────────────────────── const CoverageGrid = () => (
I

Ten coverage types. One clear guide.

From a $30 trip cancellation add-on to a $200 full-flexibility CFAR policy — every product category, explained without the fine-print fog.

All topics
{INSURANCE_CARDS.map(c => )}
); // ─── Essay ──────────────────────────────────────────────────────────────────── const InsuranceEssay = () => (
II

Field notes on coverage decisions.

From the desk that has read 1,400 policy documents so you don't have to. Some truths hold across every plan.

Read the essay

"The right policy is not the cheapest one. It's the one that matches the actual risk of your specific trip."

Coverage Desk
Book Lane · Travel Insurance

Most people buy travel insurance the same way they buy a bottle of water at the airport: they want it done, they resent the cost, and they grab the first thing they see. The result is a policy that's technically in force but practically useless — wrong coverage caps, wrong covered reasons, and a pre-existing condition waiver they forfeited by buying two months after they booked.

The thing that actually matters isn't the premium. It's timing. Buy within 14–21 days of your first nonrefundable booking and you unlock the two most valuable riders: the CFAR upgrade and the pre-existing condition waiver. Buy six weeks later and neither is available to you, at any price.

The second thing that matters is what you already have. A Chase Sapphire Reserve card covers trip interruption and rental car CDW at levels that would cost $60–$80 standalone. The gap it leaves — medical evacuation abroad, emergency hospital bills in a country where your insurance is useless, CFAR — is what you're actually shopping for.

The test: add up your nonrefundable, prepaid trip costs. Multiply by 7%. If the resulting number makes you uncomfortable as a potential loss, buy the policy. If the trip is mostly refundable and your card is solid, the calculation often doesn't clear.

{INSURANCE_STATS.map((s, i) => (
{s.n}
{s.l}
))}
); // ─── Zoe card ───────────────────────────────────────────────────────────────── const ZoeStory = () => (
III

First person. Claim paid.

A contributor account of what actually happens when you file — from the ER to the reimbursement wire.

Read the story
✦ {ZOE_CARD.badge} {ZOE_CARD.tag}

{ZOE_CARD.title}

{ZOE_CARD.desc}

Read the claim story
); // ─── Decision calculator ────────────────────────────────────────────────────── const DecisionCalc = () => { const [tripCost, setTripCost] = React.useState(3000); const [isInternational, setIsInternational] = React.useState(true); const [hasComplexHealth, setHasComplexHealth] = React.useState(false); const [isCfar, setIsCfar] = React.useState(false); const rec = React.useMemo(() => { const base = Math.round(tripCost * (isInternational ? 0.08 : 0.05)); const cfar = isCfar ? Math.round(tripCost * 0.04) : 0; const tier = tripCost > 5000 || isCfar ? "Premium — Trip Cancellation + Medical + CFAR" : isInternational ? "Essential — Trip Cancellation + Medical & Evacuation" : "Standard — Trip Cancellation"; const note = hasComplexHealth ? "Buy within 14 days of your first deposit to lock in the pre-existing condition waiver." : isCfar ? "Buy within 14–21 days of first deposit — CFAR closes after that window." : "Buy within 72 hours of your first nonrefundable booking."; return { est: base + cfar, tier, note }; }, [tripCost, isInternational, hasComplexHealth, isCfar]); return (
IV

What tier do you actually need?

Three inputs. An honest estimate. No email required.

Adjust and read
setTripCost(Number(e.target.value))} /> ${tripCost.toLocaleString()}
Estimated policy cost ${rec.est.toLocaleString()}
Recommended tier {rec.tier}
{rec.note}
See the full buying guide
); }; // ─── Reading list ───────────────────────────────────────────────────────────── const ReadingList = () => (
V

If you only read five things before buying.

From the coverage desk — the essays that close the most costly gaps.

Full journal
    {INSURANCE_READING.map((r, i) => (
  1. {String(i + 1).padStart(2, "0")}
    {r.tag} {r.duration} read

    {r.title}
    2. ))}
); // ─── FAQ ────────────────────────────────────────────────────────────────────── const FaqAccordion = () => { const [open, setOpen] = React.useState(null); return (
VI

Frequently — but quietly — asked.

Six coverage questions the policy document buries. Clear answers, no upsell.

{INSURANCE_FAQS.map((item, i) => (
{open === i &&
{item.a}
}
))}
); }; // ─── CTA strip ──────────────────────────────────────────────────────────────── const CtaStrip = () => (

Buy within 14 days of booking.Everything else is fine print.

The timing window is the only thing that can't be fixed after you book. Policies exist the day before departure. CFAR and waivers do not.

Start with Trip Cancellation Back to Book
); // ─── App shell ──────────────────────────────────────────────────────────────── const InsuranceApp = () => ( <>