(USATODAY) — It’s inevitable that something will be forgotten in the excitement of sending a child off to college.

Tuition bill paid?

Done.

Textbooks ordered?

Check.

Shopping completed?

Yep.

Insurance taken care of?

Oops.

Insurance needs are often overlooked in the last-minute scramble. But relying on existing coverage — or a lack of it — can end up costing families during the college years and perhaps beyond.

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