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Elaine Karlson is planning a vacation to Cooperstown, N.Y., to visit the National Baseball Hall of Fame and to watch her grandson compete in a baseball game. And she’s worried. First, there’s the price difference between the refundable airline tickets and the nonrefundable ones — the refundable ones are three times as expensive. There’s also the question of what to do if she and her husband have to cancel. Instead of paying extra for the less restricted ticket, she’s considering travel insurance. “But where do you buy travel insurance?” she asks. Good question. You can buy a policy directly...

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