• In this Nov. 24, 2015 file photo, police officers patrol the Grand Place in central Brussels. Between terror attacks, Zika and mass shootings, there's lots of bad news about popular destinations around the world. Where does that leave travelers who may want to stay home instead of going through with a trip? It depends on the circumstances. Cancel-for-any-reason insurance is expensive to buy but provides refunds if you change your mind about a trip. Standard trip insurance may also cover cancellations to a destination hit by terrorism for a period of days following an attack. (AP Photo/Michael Probst, File)

    Can insurance help if you cancel a trip out of fear?

    NEW YORK (AP) — Spooked by headlines about Zika, terrorism and mass shootings? Maybe the news is so bad you’re ready to cancel your vacation and stay home. But can you recoup what you paid for flights, lodging, car rentals and tours?