Medical Insurance For travel oversea, most U.S. health plans ( including Medicare and Medicaid ) do not provide coverage, and the ones that do much require you to pay for services upfront and reimburse you lone after you return home. As a safety net, you may want to buy travel medical insurance, particularly if you ‘re traveling to a distant or bad area where emergency elimination might be necessary. If you require extra medical indemnity, try MEDEX Assistance ( tel. 410/453-6300; www.medexassist.com ) or Travel Assistance International ( tel. 800/821-2828; www.travelassistance.com ; for general information on services, call the company ‘s Worldwide Assistance Services, Inc., at tel. 800/777-8710 ).

Canadians should check with their provincial health plan offices or call Health Canada ( tel. 866/225-0709; www.hc-sc.gc.ca ) to find out the extent of their coverage and what software documentation and receipts they must take home in case they are treated overseas. Travelers from the U.K. should carry their European Health Insurance Card (EHIC), which replaced the E111 form as proof of entitlement to free/reduced-cost checkup treatment abroad ( tel. 0845/606-2030; www.ehic.org.uk ). note, however, that the EHIC covers only “ necessary medical discussion, ” and for repatriation costs, lost money, baggage, or trip cancellation, travel indemnity from a reputable party should always be sought ( www.travelinsuranceweb.com ). Travel Insurance

The price of travel policy varies widely, depending on the address, the price and length of your trip, your old age and health, and the type of trip you ‘re taking, but expect to pay between 5 % and 8 % of the vacation itself. You can get estimates from diverse providers through InsureMyTrip.com. Enter your stumble cost and dates, your old age, and other information, for prices from more than a twelve companies. U.K. citizens and their families who make more than one trip abroad per year may find an annual travel insurance policy works out to be cheaper. Check www.moneysupermarket.com, which compares prices across a wide range of providers. Most big travel agents offer their own indemnity and will probably try to sell you their software when you book a vacation. Think before you sign. Britain’s Consumers’ Association recommends that you insist on seeing the policy and reading the very well print before buying change of location insurance. The Association of British Insurers ( tel. 020/7600-3333; www.abi.org.uk ) gives advice by call and publishes Holiday Insurance, a free steer to policy provisions and prices. You might besides shop around for better deals : Try Columbus Direct ( tel. 0870/033-9988; www.columbusdirect.net ).

Trip-Cancellation Insurance Trip-cancellation policy will help retrieve your money if you have to back out of a trip or depart early, or if your travel supplier goes bankrupt. Trip cancellation traditionally covers such events as illness, natural disasters, and State Department advisories. The latest news program in trip-cancellation indemnity is the handiness of expanded hurricane coverage and the “any-reason” cancellation coverage — which costs more but covers cancellations made for any reason. You wo n’t get back 100 % of your prepay trip cost, but you ‘ll be refunded a substantial dowry. TravelSafe ( tel. 888/885-7233; www.travelsafe.com ) offers both types of coverage. Expedia besides offers any-reason cancellation coverage for its air-hotel packages. For details, contact one of the following recommend insurers : Access America ( tel. 866/807-3982 ; www.accessamerica.com ) ; Travel Guard International ( tel. 800/826-4919 ; www.travelguard.com ) ; Travel Insured International ( tel. 800/243-3174 ; www.travelinsured.com ) ; and Travelex Insurance Services ( tel. 888/457-4602 ; www.travelex-insurance.com ) .
Note : This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in interview before planning your trip .

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