// Travel Insurance page data — L2 sub-hub under /en/book/insurance/

// The 10 coverage topic cards. Each slug targets a future L3/L4 leaf.
const INSURANCE_CARDS = [
  {
    id: "trip-cancellation",
    num: "01",
    topic: "Standard Tier",
    badge: "Start Here",
    title: "Trip Cancellation",
    titleEm: "Cover.",
    desc: "Reimburses prepaid, nonrefundable costs when a covered reason forces you to cancel or cut the trip short. Illness, family emergency, severe weather, employer pull-back. Does not cover 'I changed my mind.'",
    cost: "$30–$80",
    read: "The baseline — buy this every time",
    img: "https://images.unsplash.com/photo-1450101499163-c8848c66ca85?w=1600&q=80",
    size: "xl",
    href: "/en/book/insurance/trip-cancellation/",
  },
  {
    id: "medical-evacuation",
    num: "02",
    topic: "Essential Tier",
    title: "Medical & Evacuation",
    desc: "Pays for emergency treatment abroad and medevac home. $100k medical / $250k evacuation are the minimums worth carrying for any international trip. Domestic US trips rarely need it.",
    cost: "$50–$120",
    read: "International · Emergency transport",
    img: "https://images.unsplash.com/photo-1576091160550-2173dba999ef?w=1200&q=80",
    size: "md",
    href: "/en/book/insurance/medical-evacuation/",
  },
  {
    id: "cfar",
    num: "03",
    topic: "Premium Tier",
    badge: "Full Flexibility",
    title: "Cancel For Any Reason",
    desc: "Cancel for literally any reason within 48 hours of departure and recover ~75% of prepaid costs. Must be purchased within 14–21 days of your first booking. Adds 30–50% to the premium.",
    cost: "$100–$200",
    read: "CFAR · High-cost trips",
    img: "https://images.unsplash.com/photo-1569098644531-9bca5b64edd8?w=1600&q=80",
    size: "wide",
    href: "/en/book/insurance/cancel-for-any-reason/",
  },
  {
    id: "pre-existing-conditions",
    num: "04",
    topic: "Health Riders",
    title: "Pre-Existing Conditions",
    desc: "Standard policies exclude conditions diagnosed before purchase. A pre-existing condition waiver reinstates coverage — but only if you buy the policy within 14–21 days of your first trip payment.",
    cost: "Waiver included or +10–20%",
    read: "Waiver · Timing window",
    img: "https://images.unsplash.com/photo-1532938911079-1b06ac7ceec7?w=1200&q=80",
    size: "md",
    href: "/en/book/insurance/pre-existing-conditions/",
  },
  {
    id: "adventure-sports",
    num: "05",
    topic: "Activity Riders",
    title: "Adventure Sport Riders",
    desc: "Standard policies exclude high-risk activities: skiing, scuba, mountaineering, paragliding. An adventure rider reinstates coverage for the activity itself. Verify exact sport lists before buying.",
    cost: "+$20–$60 on base",
    read: "Skiing · Scuba · Climbing",
    img: "https://images.unsplash.com/photo-1464822759023-fed622ff2c3b?w=1200&q=80",
    size: "sm",
    href: "/en/book/insurance/adventure-sport-riders/",
  },
  {
    id: "baggage-delay",
    num: "06",
    topic: "Property Coverage",
    title: "Baggage Delay & Loss",
    desc: "Reimburses essentials when bags are delayed 6–12 hours or lost outright. Caps vary widely — read the per-item limit, not just the total. Electronics and jewelry rarely covered at face value.",
    cost: "Included in most base plans",
    read: "Delay · Loss · Electronics caps",
    img: "https://images.unsplash.com/photo-1553422808-f93f2a8b4e98?w=1200&q=80",
    size: "sm",
    href: "/en/book/insurance/baggage-delay/",
  },
  {
    id: "electronics-rider",
    num: "07",
    topic: "Gear Coverage",
    title: "Electronics Riders",
    desc: "Cameras, laptops, and gear worth $2,000+ need a dedicated electronics rider to be covered at full replacement value. Standard baggage limits cap electronics at $500–$750.",
    cost: "+$15–$40 on base",
    read: "Cameras · Laptops · High-value gear",
    img: "https://images.unsplash.com/photo-1488590528505-98d2b5aba04b?w=1200&q=80",
    size: "sm",
    href: "/en/book/insurance/electronics-rider/",
  },
  {
    id: "primary-vs-secondary",
    num: "08",
    topic: "Coverage Structure",
    badge: "Often Missed",
    title: "Primary vs. Secondary Medical",
    desc: "Secondary medical pays only what your home health insurance won't. Primary pays first, no coordination needed. For international, primary is worth the small premium difference — you don't want to file two claims from a Bangkok hospital.",
    cost: "Same base price, read the fine print",
    read: "Filing logic · Coordination of benefits",
    img: "https://images.unsplash.com/photo-1559757175-7cb057feba93?w=1200&q=80",
    size: "lg",
    href: "/en/book/insurance/primary-vs-secondary-medical/",
  },
  {
    id: "credit-card-coverage",
    num: "09",
    topic: "Free Coverage",
    title: "Credit Card Coverage",
    desc: "Chase Sapphire Reserve, Amex Platinum, and similar cards include trip delay, interruption, and rental car CDW. Know what you already have before you buy standalone. Gaps: medical evacuation, CFAR, and medical abroad are almost never included.",
    cost: "$0 — already paid via annual fee",
    read: "Sapphire · Amex · What's missing",
    img: "https://images.unsplash.com/photo-1563013544-824ae1b704d3?w=1200&q=80",
    size: "md",
    href: "/en/book/insurance/credit-card-coverage/",
  },
  {
    id: "when-to-skip",
    num: "10",
    topic: "Decision Guide",
    title: "When to Skip Insurance",
    desc: "A domestic trip under $1,500 with a fully refundable hotel and free-change flight may not need a policy. Know the four conditions where insurance doesn't clear its own cost — and the two where it always does.",
    cost: "$0 — but read the guide first",
    read: "Skip test · Refundable stack",
    img: "https://images.unsplash.com/photo-1507525428034-b723cf961d3e?w=1200&q=80",
    size: "md",
    href: "/en/book/insurance/when-to-skip/",
  },
];

const ZOE_CARD = {
  id: "zoe-hospital-rome",
  topic: "By Zoe",
  badge: "Contributor · By Zoe",
  badgeColor: "amber",
  title: "The hospital bill that didn't ruin my trip.",
  desc: "I collapsed in Rome on day two of a ten-day trip. The policy paid €4,200 in emergency care, kept the rest of the trip intact, and I got home without touching my credit card. Here's exactly what I filed, what they covered, and what took three weeks to settle.",
  tag: "First-person · Claim walkthrough",
  img: "https://images.unsplash.com/photo-1555992828-ca4dbe41d294?w=1600&q=80",
  href: "/en/book/insurance/zoe-hospital-rome/",
};

const INSURANCE_FAQS = [
  {
    q: "How much should I spend on travel insurance?",
    a: "The rule of thumb is 5–10% of total nonrefundable trip cost for a standard cancellation + medical plan. A $4,000 trip warrants a $160–$400 policy. If you're adding CFAR, budget 8–12% of the prepaid nonrefundable portion. Anything below 3% is probably a bare-minimum plan with low medical limits — read the caps before you click buy.",
  },
  {
    q: "Does travel insurance cover COVID-19 cancellations?",
    a: "It depends on the plan and the year of purchase. Since 2022, most plans treat COVID like any other illness — you're covered for cancellation if you test positive before departure and your trip is nonrefundable. 'Fear of travel' and 'country advisory' are still not covered by standard plans. CFAR is the only option that covers 'I don't want to go because of COVID numbers.' Read the plan's COVID language specifically — it varies by insurer.",
  },
  {
    q: "What's the difference between Cancel For Any Reason and a standard cancellation policy?",
    a: "Standard cancellation pays 100% of nonrefundable costs, but only for covered reasons (illness, death in the family, employer recall, severe weather at departure). CFAR pays ~75% of prepaid nonrefundable costs for any reason — including 'I just don't feel like going.' CFAR must be purchased within 14–21 days of your first trip deposit and adds 30–50% to the base premium. It's worth it for trips over $5,000 or anytime life is genuinely unpredictable.",
  },
  {
    q: "Does my credit card's travel insurance replace standalone coverage?",
    a: "Partially. Premium cards (Chase Sapphire Reserve, Amex Platinum, Citi Prestige) cover trip interruption, trip delay, and rental car collision damage waiver at competitive limits. What they almost never cover: emergency medical care abroad, medical evacuation, pre-existing conditions, Cancel For Any Reason, and baggage loss above $1,000. For a $200 domestic weekend trip, your card is probably enough. For a $6,000 international trip with a complex medical history, it isn't.",
  },
  {
    q: "When is the latest I can buy travel insurance?",
    a: "You can buy a standard plan right up to departure day — some insurers allow purchase within 24 hours of departure. But the key benefits have deadlines: CFAR must be purchased within 14–21 days of your first trip deposit, the pre-existing condition waiver has the same window, and time-sensitive upgrade riders may close 24–48 hours before departure. Buy within 72 hours of your first nonrefundable booking and you capture every available benefit.",
  },
  {
    q: "Is travel insurance worth it for a domestic US trip?",
    a: "Usually only if two conditions are met: the trip has significant nonrefundable costs ($2,500+) and you're booking something with real cancellation exposure — a nonrefundable resort, a cruise, a tour package. For a basic domestic trip on a refundable flight and a cancellable hotel, your credit card's trip interruption coverage is usually sufficient. The exception: if you have health conditions that could flare, a domestic evacuation policy might still make sense.",
  },
];

// Stats for the hero
const INSURANCE_STATS = [
  { n: "$40", l: "Average policy cost\nfor a domestic trip" },
  { n: "$250k", l: "Evacuation coverage\nyou should carry" },
  { n: "14 days", l: "Window to unlock\nCFAR + waivers" },
  { n: "5–10%", l: "Of trip cost for a\nsolid base plan" },
];

// Reading list
const INSURANCE_READING = [
  { tag: "Method", duration: "9 min", title: "How To Read a Policy Before You Buy One" },
  { tag: "Claim walkthrough", duration: "11 min", title: "What a Travel Insurance Claim Actually Looks Like" },
  { tag: "Comparison", duration: "7 min", title: "The Four Insurers We Actually Recommend — and Why" },
  { tag: "Decision", duration: "6 min", title: "Do You Need CFAR? A Four-Question Test" },
  { tag: "Credit cards", duration: "8 min", title: "What Chase Sapphire Reserve Actually Covers Abroad" },
];

Object.assign(window, { INSURANCE_CARDS, ZOE_CARD, INSURANCE_FAQS, INSURANCE_STATS, INSURANCE_READING });