Travel Insurance is a way to buy off the considerable financial risk of travel. These risks include: accidents, illness, missed flights, canceled tours, lost luggage, emergency evacuation, and getting home if you die.  Your risk depends on how much of your trip is prepaid--the kind of air ticket purchased, your state of health (and the state of health of family members left at home), where you are traveling, value of your luggage, your current health coverage, the solidarity of the tour company you are using as well as the airline.

Here are some questions to ask yourself:

• Did travel agent explain options to me?
• What are my chances of needing it?
• Am I leaving a potential reason at home that could interrupt my trip? (i.e. sick family member or small children)
• Can I handle the risks without insurance?
• Are some of my insurance needs covered by resources I already have? (CC, Health, Homeowners, Pass Protection, etc.)
• Should I purchase a custom Plan?

• Click on their website for information on types of travel insurance each company offers.
• Please read the insurance brochure of each company CAREFULLY before purchasing any insurance.
• Make sure the policy you're buying covers the countries you will be traveling in
• Check your current HOMEOWNERS, AUTO, MEDICAL AND CREDIT CARDS for existing travel insurance coverage.

Click on websites for information on types of travel insurance each company offers. Obtain their brochure and read carefully before ordering.

Access America

P.O. Box 90310

Richmond, VA 23286

800-284-8300

(804) 673-1491 (FAX)

Web site: http://www.worldaccess.com

Design your own policy.  Choose: medical, baggage, trip cancellation,  or flight insurance

Carefree Travel Insurance

The Berkeley Group

100 Garden City Plaza

P.O. Box 9366

Garden City, NY 11530

800-645-2424

(516) 294-0286 (FAX)

http://www.berkely.com

CSA Travel Protection

P.O. Box 919010

San Diego, CA 92191

800-873-9855

Fax: 800-326-6409

www.travelsecure.com

HealthCare Abroad/Health Care Global

Wallach & Company

107 W. Federal Street

P.O. Box 480

Middleburg, VA 22117

800-237-6615

e-mail: wallach@mediasoft.net

Travel Assistance International

1133 15th St. NW Ste 400

Washington, DC 20005

800-821-2828

Travel Guard International

1145 Clark St.

Stevens Point, WI 54481

888-409-7750

http://www.travel-guard.com/welcome.htm

Provides Comprehensive travel insurance for about 5.5% of your prepaid trip cost (air, car, tour, etc.) Good deal for traveler with less of the trip prepaid. CDW available for about $6. a day

American Express

800-756-2639

Web site: http://www.worldaccess.com

CIEE

Council on International Educational Exchange

205 East 42nd St.

New York, NY 10017

212-822-2700

http://www.ciee.orf

International SOS Assistance

8 Neshaminy Interplex, Ste 207

Trevose, PA 19053

800-523-8930

http://www.intsos.com

Rail Pass Protection

Rail Europe  $12. per pass

Tele-Trip

Mutual of Omaha

P.O. Box 31716

Omaha, NE 68131

800-228-9792

Design your own policy.  Choose: medical, baggage, trip cancellation, or flight insurance

Travel Insured International, Inc.

P.O. Box 280568

East Hartford, CT 06128-0568

800 243-3174

http://www.travelinsured.com/

TravMed

9515 Deereco Road

Timonium, MD 21385

800-732-5309

http://www.medexassist.com