*As published in the Summer 2013 issue of FinanceWorks.ca

Picture it: bright sun, rolling waves and soft sand squishing between your toes. You are on holiday and life is good. You decide to try out surfing for the first time and during one of your falls, you hit the board awkwardly and crack your collarbone. Suddenly all you can feel is pain and you need to get to a hospital. One question first: do you have travel insurance?

Hopefully your answer is yes and this broken collarbone will not lead ...