In this issue, we explore the development and proliferation of subscription-based insurance in our feature article, we take a look at travel insurers’ responsibilities when it comes to warning travellers about the risks inherent in their destinations, and we talk to Jeffrey Rutledge of AIG Travel about his career, inclusive insurance products and the company’s ITIJ Award win in this month’s Profile section. Plus, we have news of Berkshire Hathaway’s ‘State of Travel Insurance’ survey, which looks at likely purchasing trends for 2020; and we have the latest findings on what makes the airport experience so stressful for travellers.