Your tour of North America has been firmly booked for six months now, and your anticipation is growing with every passing day. But one week before you’re due to depart, the unthinkable happens: Your younger son falls out of a tree while playing and suffers a complicated leg fracture. The surgery goes well, but the consequences are major: The family trip will have to wait. The blessing in disguise here is trip cancellation insurance, which automatically protects you against unforeseen circumstances prior to your trip. So, you will at least get your cancellation costs back.