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Not whether you locked the front door or paid the gas bill but something about your trip. Consider your fears, Giusti said; that's one way to determine what you want in a travel policy, especially if the insurance you have doesn't cover the thing you're worried about.

Fear is a universal human experience. In evolutionary terms, it's one of our oldest emotions, built on a framework of near-automatic responses - startle, withdraw, defend - that even some of the planet's most basic life-forms can display when threatened. And now, the coronavirus pandemic has forced many people to grapple with their fear on a near-daily basis. But for all our long familiarity and deep intimacy with fear, it is often misunderstood.

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