Sign in Subscribe

Disclaimer

Last updated: April 2026

This site exists because I find these topics interesting and think the writing might be useful. It does not exist to give you legal advice, insurance advice, financial advice, or medical advice. Please read the following before relying on anything here.

I am a retired attorney. I am not your attorney. Nothing on this site creates an attorney-client relationship, and nothing here should be construed as legal advice.

My legal background informs how I read contracts, policies, and regulations. It does not make my analysis a substitute for advice from a licensed attorney who knows your specific situation, jurisdiction, and circumstances. If you have a legal question that matters to your life or your money, hire a lawyer.

Not Insurance Advice

I write about travel insurance, evacuation coverage, health insurance, and related topics in considerable detail. None of it constitutes insurance advice, and none of it should be the sole basis for any coverage decision you make.

Insurance policies are contracts. The specific language in your policy — not my description of a similar policy — governs what you are covered for. Policies change. The coverage limits, exclusions, and terms I describe may have changed since I wrote about them. Verify everything directly with the insurer or the membership organization before making any decisions.

I have no financial relationship with any insurance company, membership organization, or broker mentioned on this site. My analysis reflects my own reading of publicly available documents and is offered as a starting point for your own research, not as a conclusion.

Not Financial Advice

Discussions of cost, value, and financial tradeoffs on this site are general observations, not financial advice. I am not a licensed financial advisor. Nothing here should be treated as a recommendation to buy, sell, or hold any financial product.

Accuracy

I do my best to be accurate. I am sometimes wrong. Policy terms change. Organizations change their membership structures. Prices change. Legal frameworks change.

I correct errors when I find them or when readers point them out. If you find something on this site that is factually incorrect, I’d genuinely like to know. You can reach me at [email protected].

This site links to external sources — policy documents, membership pages, news articles, and other websites. I do not control those sites and am not responsible for their content, accuracy, or availability. A link is not an endorsement.

Limitation of Liability

To the fullest extent permitted by applicable law, I am not liable for any damages arising from your use of this site or your reliance on anything published here. This includes direct, indirect, incidental, and consequential damages. Use this site at your own risk.