Joe Cortez is the travel insurance expert for InsuranceRanked.com. Prior to joining the team, he worked in the travel insurance industry for USI Affinity Travel Insurance Services, and has written extensively on the topic for TripSavvy.com, NerdWallet, and Frugal Travel Guy. His work can be found at FlyerTalk, The Points Guy, Business Insider and NextAdvisor. With over a decade of experience as a financial journalist, Joe brings an insider knowledge of how travel insurance works, including benefits for trip cancellation, baggage delay and loss, cancel for any reason, and pre-existing condition waivers. He is a member of the U.S. Travel Insurance Association, the Society for Professional Journalists, National Association of Hispanic Journalists, and the Radio-Television-Digital News Association.