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Travel insurance is a lot like renter's insurance, in that even though it's recommended, many people don't buy it. But recent events have shown that travel insurance can be a savior when the unexpected happens.

The common cold is caused by infection from one of many different viruses. A virus attaches itself to the lining of your nasal passages or throat. The common cold is probably the most common respiratory (breathing) disease. Many different viruses can cause a cold; on the hundred cold viruses (rhinoviruses) have been identified to date.