Julie Baumann, who lives in the San Francisco Bay area, knows all too well that just because you have insurance, it doesn't mean you are covered.
买了保险并不意味着你就能获得理赔，对于这一点，住在旧金山湾区（Bay area）的朱莉•鲍曼（Julie Baumann）是再有体会不过了。
After years of paying high annual premiums for pet insurance she filed a claim for surgery on her Bernese Mountain Dog. To her surprise, she was told the surgery was not covered and she would be stuck with the $6,000 bill.
鲍曼连续几年每年都缴纳了高额的宠物险保费，但是让她感到意外的是，在她为自己那只伯恩山犬的手术费用提出理赔申请时，保险公司告诉她该手术不在承保范围之内，如此一来她将要自己承担这笔6,000美元的费用。
Ms. Baumann isn't alone. Millions of consumers file claims every year against a variety of policies only to find the money spent on premiums was virtually thrown away. So, with offers of insurance for everything from your wedding day and your cat to your identity, what is worth your hard-earned cash and what's not?
鲍曼并不是唯一有此遭遇的人。每年有数百万消费者就各种各样的保险提出理赔申请，最终却发现原先交的保费几乎都付之东流。那么，面对为你的婚礼日、宠物猫以及你的身份承保的林林总总的各类保险，你了解哪些值得你掏出自己辛辛苦苦挣来的钱，哪些又可以省略吗？以下有一些建议：
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