We went to sandals a few years back, and I either caught something on the bus, or their buffet. My wife blames the sugar cane I bought, but I'd prefer to place the blame elsewhere. Second day of the trip, I became horribly ill, could keep nothing down, was so cold I wrapped myself in blankets and tried to sleep on the balcony. Three days later, dehydrated, still sick, unable to eat or drink anything, had the doctor come to the resort. Finally said I give up and paid a small fortune to have the plane tickets changed, and went home. Remained sick for four days after arriving home.

The best part? I got laid off from work when we got home.

Trip insurance actually covered the cost of the doctor, about 70% of the hotel and the difference in the airfare home.