How to navigate the risky world of travel insurance

Taking a vacation always carries a certain risk, but some travelers find that buying health insurance is no safety net in the case of an emergency. Just ask Jennifer Huculak-Kimmel, the Saskatchewan woman who incurred a bill for $950,000 after giving birth prematurely while vacationing in Hawaii in 2013. Huculak-Kimmel said her insurance company wouldn’t cover the massive bill due to a pre-existing condition — namely, a bladder infection she had four months into the pregnancy. Many insurance claims are denied on the basis of pre-existing conditions. Here’s a closer look at this often confusing issue. What is the definition…