DIRTY SECRETS OF THE TRAVEL INDUSTRY. THAT TRIP INSURANCE YOU PURCHASED..??? CHANCES ARE… IT WILL NEVER PAY-OFF. CONSUMER WATCH REPORTER JULIE WATTS EXPLAINS WHY. 1:01:16 it’s callei d the River Cruise…>NORMITA FENN EXPECTED IT WOULD BE SMOOTH SAILING …. WHEN SHE AND HER HUSBAND bob BOOKED THIS CRUISE though her husband’s alama mater, cal berkeley. ….NANCY KINCAID OF THE CALIFORNIA DEPARTMENT OF INSURANCE SAYS SAYS MOST “BASIC” POLICIES .. DON’T COVER CANCELLATIONS DUE TO HEALTH ISSUES….. WHEN THE TRAVELER HAS A “PRE-EXISTING” CONDITION… which they would have likely found in NORMITA’S HUSBAND’s case. thouh she says – i some cases – especially expensive trips booked well in advance – the right kind of travel insurance “can” pay off…KINCAID SAYS … “IF” YOU WANT PROTECTION FOR MEDICAL ISSUES, CIVIL UNREST, BAD WEATHER “OR” BECAUSE YOU SIMPLY CHANGED YOUR MIND, YOU NEED TO read the fine print and GET A POLICY… THAT INCLUDES those specific coverages… which are often more expensive. AND KINCAID WARNS: be cautious of TRAVEL ” WAIVERS” — OFTEN PITCHED by companies as AS A TYPE OF TRAVEL PROTECTION…. Waivers ARE “NOT” THE SAME AS INSURANCE and dont come with the same protections.=====END TRACK FOR short VERSION=======AS FOR NORMITA, SHE SAYS she will CONSIDER BUYING travel INSURANCE FOR HER “NEXT” VACATION… THOUGH THE NEW WIDOW SAYS …. IT MAY BE A WHILE BEFORE SHE’S READY… FOR THAT… COMING UP IN OUR NEXT HALF-HOUR: IT’S VIDEO THAT HAS BAY AREA PET OWNERS UNEASY.