Part of the college student experience is often at least some traveling, whether it’s a week for spring break or a longer period taking online courses while abroad or in an exchange program. When you’re away from home, especially in another country, your risks increase for a wide range of issues from theft to injury [...]

What is a “moral hazard”?  It is a term used in insurance circles that describes the subjective choices a person makes or could make because they have insurance.  Wikipedia describes it as: In economic theory, moral hazard is a situation in which a party insulated from risk behaves differently from how it would behave if [...]