As travelers often find out after the fact, just because they have travel insurance doesn’t mean they are covered. And now, with the magnitude 9 earthquake and tsunami that struck Japan on March 11 and damaged some of its nuclear reactors, travelers have a new question: Will their travel insurance policy cover them if they cancel trips because of radiation contamination in the region? Insurers are grappling with this question - and with different outcomes. But several I contacted recently agreed on one point...