Insurance

A typical travel insurance policy usually provides cover for the loss of baggage, tickets and - up to a certain limit - cash or cheques, as well as cancellation or curtailment of your journey. Most of them exclude so-called dangerous sports unless an extra premium is paid: this could mean scuba-diving, white-water rafting, windsurfing and trekking, though probably not kayaking or jeep safaris. Read the small print and benefits tables of prospective policies carefully; coverage can vary wildly for roughly similar premiums. Many policies can be chopped and changed to exclude coverage you don't need - for example, sickness and accident benefits. If you do take medical coverage, ascertain whether benefits will be paid as treatment proceeds or only after you return home, and whether there is a 24-hour medical emergency number. When securing baggage cover, make sure that the per-article limit - typically under ?500/$700 equivalent - will cover your most valuable possessions. If you need to make a claim, you should keep receipts for medicines and medical treatment, and in the event you have anything stolen, you must obtain an official statement from the police. Bank and credit cards often have certain levels of medical or other insurance included and you may automatically get travel insurance if you use a major credit card to pay for your trip.

Travellers from Britain and Ireland would do well to take out an insurance policy before travelling to cover against theft, loss and illness or injury. Travel agents and tour operators are likely to require some sort of insurance when you book a package holiday, though according to UK law they can't make you buy their own (other than a ?1 premium for "schedule airline failure"). If you have a good all-risks home insurance policy it may cover your possessions against loss or theft even when overseas. Many private medical schemes uch as BUPA or PPP also offer coverage plans for abroad, including baggage loss, cancellation or curtailment and cash replacement as well as sickness or accident.

American and Canadian citizens should also check that they're not already covered. Canadian provincial health plans usually provide partial cover for medical mishaps overseas. Holders of official student/teacher/youth cards are entitled to meagre accident coverage and hospital in-patient benefits. Students will often find that their student health coverage extends during the vacations and for one term beyond the date of last enrolment. Homeowners' or renters' insurance often covers theft or loss of documents, money and valuables while overseas, though conditions and maximum amounts vary from company to company.

Other useful information for tourists (each section contains more specific sub-sections):