2. 考研
  3. [A] Factor in other events and calamities [B] Invest in insurance if you’re going abroad [C] Consider the type of trip you

[A] Factor in other events and calamities [B] Invest in insurance if you’re going abroad [C] Consider the type of trip you

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问题    [A] Factor in other events and calamities
   [B] Invest in insurance if you’re going abroad
   [C] Consider the type of trip you’re planning and the cost
   [D] Practice patience
   [E] Know where you’re already covered
   [F] Understand the different types of policies
   [G] Compare the cost of your trip and the premium
   Sometimes, the chance to embrace new passions and thrilling pursuits in a far-off destination is reason enough to plan a trip. While it’s a no-brainer to purchase insurance if you want to visit an off-the-grid destination to enjoy high-risk activities, other times, the answer isn’t so clear-cut. Deciding whether or not to take the risk or buy travel insurance is up to you. To help you weigh your options, we asked industry experts to deliver practical advice and insight on travel insurance.
   【R1】______
   Before deciding if it’s worthwhile to buy insurance, the first step is understanding where you need coverage and where you don’t. For example, some major credit cards offer some medical and baggage insurance. And many major health insurance providers cover some out-of-network medical services overseas, but make sure to read the fine print since expenses like emergency medical evacuations, which can cost hundreds of thousands of dollars, are typically not included.
   【R2】______
   The next step is pinpointing a provider and policy that offers the type of insurance you need, based on key variables such as trip price, destination and itinerary, along with pre-existing medical conditions. There are three main areas of travel insurance: medical costs and medical evacuation, loss or theft of belongings and thirdly, cancellation and delay expenses. Not all policies are the same. It’s important to select the coverage that’s best for your situation.
   【R3】______
   The key criteria to consider before buying insurance include cost of the trip, length of the trip, your itinerary and your health. A simple point-to-point trip domestically probably isn’t worth insuring. An around-the-world adventure, definitely. If you’re planning to spend more than $5,000 on a trip which is known as a "big ticket" purchase, it should be insured. Another time travel insurance is a wise idea is if you have a complex or extended itinerary. If you’re on a tour with a lot of moving parts, then insurance could be useful. When one part doesn’t go as planned, the right policy can help you make a quick recovery.
   【R4】______
   The key factors to think about if you’re considering traveling to a hurricane-affected area during hurricane season include whether you’ll have access to a cancellation benefit if flights are cancelled due to weather and if your hotel is uninhabitable. It’s also important to understand timing. For example, if you are planning a trip to a Zika-affected area for some public activity, you won’t be covered, because unlike an unforeseen natural event, Zika has already been declared a public health emergency and pregnant and expecting women have been cautioned against visiting affected areas.
   【R5】______
   If you’re in a bind, and you are trying to get home due to an unforeseen weather disruption or other calamity, wait to rebook your flights. The airline that got you there is responsible for getting you home on their next available flight. Be patient. And if you’re traveling to an area that is hurricane-prone, most reputable carriers and hoteliers have set procedures to help accommodate travelers.
【R1】
选项
答案E
解析 本段首句即点明要旨：understanding where you need coverage and where you don’t，E项Know where you’re already covered“确定你已经被承保的范围”与原文表达的意思相符。并且据上面分析，紧接着的内容主要介绍的是保险的承保范围，因此E最贴近本段主题，故为答案。
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