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Travel Insurance: In A Nutshell 1.Find out what you are already covered for at home: Check health insurance policies, homeowner's policies, and credit card policies for lost or stolen cards. Make sure that you read the fine print and have a thorough understanding of what you are covered for. 2. Travel insurance must include: medical cover for any injury or sudden illness abroad, 24-hour emergency assistance, repatriation back to your country, lost or stolen possessions. 3. Get extra cover if you are into high adventure travel. Types Of Insurances: The first thing that you must do is to find out exactly what you are already covered for from your own health insurance policies, homeowner's policies, and credit card memberships. Some medical insurance policies cover medical emergencies overseas while others do not. Some homeowner's policies cover baggage loss. Many credit card companies cover medical insurance and baggage loss to the premium members, or may do so for an extra fee. At the very least, your travel insurance should include medical cover for any injury or sudden illness abroad, 24-hour emergency service and assistance, and repatriation back to your country if necessary. It should also cover personal liability should you be sued for damages or for causing injury. Your policy should cover lost and stolen possessions, as well as trip cancellation and curtailment cover. If you're into high adventure travel that exposes you to more than the standard travel risks (i.e. jet skiing, mountaineering, motorbike riding, etc.) then you will require extra cover. Shop around and take the time to find the right product for the right price, rather than choosing to fly without insurance altogether. Cheaper policies will have less cover, so you may have to weigh up if it's worth the initial saving. If you're a frequent traveller, and will more than likely be travelling several times throughout the year, you can get a multi-trip insurance, which will save you time and money. Regarding which travel insurer to go with, always look for one that is independent from your tour operator. Many tour operators offer insurance, often at lower premiums than those charged by outside insurers, which can be tempting. But if the operator goes out of business, you can rest assured that the last thing they will do is cover your claim. Victoria Ugarte Victoria Ugarte, the Intrepid Traveler, is becoming known around the world as one of the most recognised faces of travel and culturally correct behavior. Founder of the widely popular travel blog, Postcards From Millie, she spends three months out of every year travelling the world, keeping her readers posted on exciting destinations, the latest travel tips, and inspiring them to 'Explore. Discover. Live'. Based in Sydney, Victoria has authored three books with Amazon, including Explore My World: The Travel Bible For Women, and Culture Savvy for Women: A Complete Guide To Culturally Correct Behavior round the World. www.ExploreMyWorldTravel.com. 4. Cheaper policies will have less cover, so weigh up if it's worth the initial saving. 5. Stolen Passports: Always find out what your government's procedures are for the replacement of a lost or stolen passport in a foreign country prior to your travels and before taking out insurance on it. 6. An insurance that covers you for flight cancellations is the least necessary travel insurance available if your flight is a short or inexpensive one. However, it is worth it if you have invested $20,000 on the trip-of-a- lifetime. This insurance should cover you if you get sick, if your trip is ruined due to a natural disaster, or if your travel provider or tour operator goes out of business. 7. Policies will not cover 'war' or 'threats of war', so always check media alerts and government travel advisories so that you can make a well-informed decision about whether to travel to a specific region or not. HER MAGAZINE | February/March 2012 | 111