The Third World doesn't always run as smoothly as you might like - travel insurance is your responsibility and you must have it.
There are two main types for which you must make provision:
International Medical Insurance is short or long term medical insurance designed to reimburse you for medical expenses incurred when you're travelling
Travel Protection Plans will cover your non-reimbursed travel expenses if an emergency (death, sickness, airline strike, technical delays on flights, tour company/operator default/bankruptcy etc.) occurs right before or during your trip causing it to be cancelled, interrupted or delayed.
... some basic travel insurance tips ....
- If your remuneration package, existing insurance policies or credit cards include international travel insurance then check the small print to ensure that you're adequately covered.
- "Adequate cover" is a bit like defining the length of a piece of string. Understand that if you require emergency evacuation or urgent high care treatment for whatever reason, you'll need to be able to cover the costs without delay.
- International travel insurance whilst on foreign travel is a prudent option under normal circumstances - it's an absolute necessity when planning a safari.
- Ensure that your premiums are up to date and keep a copy of your travel insurance card or certificate of coverage handy.
Some valuable web sources for travel insurance:
- For US Residents: Allianz Travel Insurance
- For UK Residents: PSP Travel Insurance
- For all others, see World Travel Center: read the newsletters )even though some are dated 2000 they're still valid), featured articles and global notes - valuable resource for simple facts on travel insurance
- ...also Global Travel Insurance: travel tips for the "travel weary and travel savvy" - simple, sensible stuff...