The tour company in charge of your European holiday goes bankrupt. A volcano destroys the Indonesian city you intend to visit. You twist an ankle while trekking through Nepal, or suffer a life-threatening illness while on a cruise to Brazil. Your house burns down while you’re exploring the jungles of South America. These unforeseen events, and countless others like them, are more common than you might think and can easily destroy a vacation—unless you have travel insurance.