Q. My family has a very expensive international trip coming up, leaving from New York's JFK; however, it is up to us to fly to JFK airport from our home airport. Our tour company trip insurance only covers the tour company's portion of the trip, which begins with the flight from JFK. If our flight to JFK happens to be cancelled and we missed the connection, who is responsible for the expense?

A. If you don't make your flight to JFK, chances are you'd be responsible. And never buy insurance from your tour company! You'd be better off buying from a third party, such as those you'll find on Insuremytrip.com, a comparison shopping site. To be on the safe side, you should always leave a HUGE amount of connection time for JFK connections, especially in winter.