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A typical travel insurance policy usually provides cover for loss of baggage, tickets and - up to a certain limit - cash or cheques, as well as cancellation or curtailment of your journey. 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 (EU citizens should see "Health" in the Directory), 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 £500 - 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.
Before paying for a new policy, however, check whether you are already covered: some all-risks home insurance policies may cover your possessions when overseas, and many private medical schemes include cover when abroad. In Canada , provincial health plans usually provide partial cover for medical mishaps overseas, while holders of official student/teacher/youth cards in Canada and the US are entitled to meagre accident coverage and hospital inpatient benefits. Students will often find that their student health coverage extends during the vacations and for one term beyond the date of last enrolment.
Rough Guide travel insurance
Rough Guides offers its own travel insurance, customized for our readers by a leading UK broker and backed by a Lloyds underwriter. It's available for anyone, of any nationality and any age, travelling anywhere in the world.
There are two main Rough Guide insurance plans: Essential , for basic, no-frills cover; and Premier - with more generous and extensive benefits. Alternatively, you can take out annual multi-trip insurance , which covers you for any number of trips throughout the year (with a maximum of 60 days for any one trip). Unlike many policies, the Rough Guides schemes are calculated by the day, so if you're travelling for 27 days rather than a month, that's all you pay for. If you intend to be away for the whole year, the Adventurer policy will cover you for 365 days. Each plan can be supplemented with a "Hazardous Activities Premium" if you plan to indulge in sports considered dangerous.
For a policy quote and to purchase your cover, call the Rough Guide Insurance Line on UK freefone tel 0800/015 0906; US freefone tel 1-866/220-5588; or, if you're calling from elsewhere tel +44 1243/621046. Alternatively, you can get an online quote and buy your insurance at .
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from $83.45 USD