Your tour of North America has been booked for six months and your sense of anticipation is mounting by the day. But, one week before you're due to travel, it happens: your youngest son falls when climbing a tree and suffers a complicated fracture of the leg. The operation goes well, but has major implications: the family trip has to be postponed. The silver lining is the trip cancellation insurance, which automatically protects you against unforeseen events before your trip. At least your cancellation costs are covered.