Part of choosing a travel insurance policy should be having an idea of what could possibly go wrong. You may not plan for volcanic eruptions if you're WWOOFing on a vineyard in France, but if you're doing the same in Reunion, Chile, or Argentina, you may want to have a basic understanding of pyroclastic flows and evacuation strategies. And when you have an idea of what could happen, you'll have a better idea of what you can do to keep yourself safe.