A lot of people don't bother to protect their travel investment with good travel insurance. This is a bad mistake. But there is as even worse mistake people often make. They don't take the time to understand what and how travel insurance protects them once they buy it. In particular there are four specific travel insurance coverages that people don't understand and end up getting big surprises if they need to file a claim. Or worse yet, their travel plans are derailed because they don't have what they need.