 A lot of policies state, of course they don't do this in the first page of the policy, remember that, but they state that you need to miss at least 50% of the planned length of your vacation or trip in order for the coverage to kick in. So read the fine print, make sure you understand what you're covered for, or more appropriately, what you're not covered for. And then I'll tell you a story that happened to me recently which reminded me of something I need to share with you.