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 can often be excluded or included at will. If you do take medical coverage , ascertain whether benefits will be paid as treatment proceeds or only after 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 A?500 equivalent - will cover your most valuable possession. 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 (at special tourist police stations or with the civil 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. 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 such 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.

Americans and Canadians 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.