Planning a trip to Miami? From sun-soaked beaches to big events, it all sounds perfect — until the unexpected hits. In this episode, we break down the real essentials of travel insurance: what to protect, how much you need, and why timing is everything (hello, hurricane season!). Whether you're booking a luxury villa or jetting in for a wedding, we cut through the jargon and fine print to help you make smart, stress-free choices. Don't let surprises ruin your Miami getaway. Get the coverage you actually need.