When it comes to travel insurance, details matter. Just ask Shannon Carr. Carr, a homemaker from Jefferson, Ga., was a guest on her niece's wedding cruise last year. But she missed the boat after suffering a shoulder injury. Although Carnival Cruises offered her a partial refund, Allianz Travel Insurance denied her claim for the remaining $861. The problem? Her doctor had answered a question on one of her forms incorrectly, and she failed to notice it. "I believe the doctor...

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