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  3. Insurance policies that cover disrupted holidays have been safeguarding people’s vacation investments for years, but in today’s

Insurance policies that cover disrupted holidays have been safeguarding people’s vacation investments for years, but in today’s

admin2016-10-15  37
问题     Insurance policies that cover disrupted holidays have been safeguarding people’s vacation investments for years, but in today’s stormy times, Americans are increasingly willing to pay for the privilege, experts say.
    "People are more aware of what can get between you and a good vacation," said Jon Ansell, president of the Travel Insurance Association.
    But while these travel policies can protect consumers from losing non-refundable deposits, a failure to shop wisely can lead to confusion, misunderstanding—and one very expensive week spent sitting at home.
    The policies are usually purchased on a per-trip basis, and typically offer reimbursements for three types of risk—financial losses due to postponement, delay, interruption or cancellation of the trip; medical care; and loss, theft or damage of personal property. Policy costs are based on total amount insured and usually range from 4% to 8% of the cost of your vacation.
    Most of the time, policies offer seemingly broad coverage; 80% of the policies bought by U. S. travelers typically cover cancellation, interruption and delay, along with medical expenses, according to the U. S. Travel Insurance Association. Yet for some travelers, that peace of mind is undermined by a failure to read the fine print.
    A policy that covers "unforeseen circumstances" such as jury duty or an accident on the way to the airport, for example, may not cover the equally unforeseen circumstance of being called into work. Policies that promise "cancel for any reason" coverage may offer just 75% in refunds.
    Such intricacies become more crucial as the American public increasingly turns to these policies in an age where vacations can be turned upside down by terror attacks and hurricanes. Before the 2001 terror attacks, roughly 11% of travelers bought insurance. Today, it’s well over 30% , according to the Travel Insurance Association.
    "And they should," said Catherine L. Rossi, spokeswoman for AAA Mid-Atlantic. "A cruise is going to cost you a significant amount of money. Maybe you’ve saved a lifetime for that. "
    Sometimes, people’s own assumptions can get in the way as well, experts said. Don’t assume your credit card or homeowner’s policy will cover cancellations, or that the cruise line’s "cancellation waiver" will solve the problem. Such fees can be less expensive than insurance, but also come without its assurances, said Matt Denn, Delaware’s insurance commissioner.
    "Make sure that you know how much effort you need to make to seek reimbursement," he said.
According to the text, travel insurance policies______.
选项 A、can lead to unwise shopping
B、can keep consumers fairly confused
C、can be misunderstood by consumers
D、can protect consumers’ vacation investments
答案D
解析 根据第三段第一句“…these travel policies can protect consumers from losing non-refundabledeposits…”，D应为答案。
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