| If you're traveling in Europe, make sure
| |
| | EU country, under the same terms as
|
| you have the right insurance and health
| |
| | citizens of that country. In practice,
|
| cover, and have access to money.
| |
| | this means either free or at reduced
|
| Travel Insurance
| |
| | cost. In the UK, this is called the EHIC
|
| It is advisable to purchase vacation
| |
| | (European Health Insurance Card), but
|
| travel insurance before you leave,
| |
| | each EC country uses its own name.
|
| because you are particularly vulnerable
| |
| | Further information can be found at
|
| when you travel internationally. First
| |
| | However, you should remember that the
|
| check that your credit or charge card
| |
| | card is not a substitute for proper
|
| provides cover automatically - usually
| |
| | travel health insurance - you may want
|
| when you purchase a return air ticket
| |
| | cover that includes repatriation to your
|
| with the card - or if your home contents
| |
| | home or a hospital in your own country,
|
| insurance takes care of some of your
| |
| | so you should talk to your travel or
|
| possessions under 'all-risks' or similar
| |
| | health insurer.
|
| cover. But be aware that 'free' insurance
| |
| | Credit Cards and Cash
|
| is unlikely to give you all the cover
| |
| | Take a mixture of cash, credit cards and
|
| you'll need, so read the small print
| |
| | other plastic. You can easily withdraw
|
| carefully or seek advice.
| |
| | money from cash machines in most of the
|
| Have a clear idea of what and who you
| |
| | frequently-visited locations. But be sure
|
| need covered, and consider what you're
| |
| | to use safe boxes, where provided, to
|
| planning to do on your vacation - any
| |
| | keep your money and expensive items safe.
|
| extreme sports, for example. Look at the
| |
| | Most Visa and Mastercard schemes offer
|
| policy exclusions and make sure you
| |
| | consumer protection under their own
|
| declare any medical conditions you have.
| |
| | country's own consumer credit laws, no
|
| People suffering from asthma, for
| |
| | matter where in the world the purchase
|
| example, may be unable to claim if they
| |
| | has been made. You normally need to spend
|
| do not declare the problem beforehand.
| |
| | between £100 and £30,000 (or equivalent
|
| Consider annual travel cover if you go
| |
| | in the currency of your card's country of
|
| away two or three times a year; otherwise
| |
| | origin) for each purchase. You should
|
| just get cover for the duration of your
| |
| | check with your card issuer about
|
| trip. Insurance bought through a travel
| |
| | consumer protection before you travel,
|
| agent is usually very expensive. It's
| |
| | however.
|
| best avoided, particularly if you have
| |
| | Tell your credit-card issuer if you are
|
| time to buy cover on the internet (we
| |
| | going abroad. Otherwise, the firms'
|
| recommend you look at the Essential
| |
| | anti-fraud teams may spot transactions
|
| Travel Insurance website) or from a
| |
| | that seem out of your usual pattern
|
| broker or bank.
| |
| | (buying a gourmet meal in Paris, perhaps,
|
| Take your policy documents with you so
| |
| | or a painting in Spain) and you may not
|
| you know exactly what to do if you need
| |
| | be able to use your card. Be careful when
|
| to make a claim. Some people lose out
| |
| | using cards abroad, as unfamiliar
|
| because, for instance, they do not report
| |
| | procedures may leave you open to fraud.
|
| details of a theft to the local police
| |
| | Don't get too concerned with things that
|
| within a day of the crime.
| |
| | can go wrong and ruin your trip, though.
|
| Health cover
| |
| | With a little careful preparation before
|
| If you're traveling within the EU
| |
| | you leave and keeping your wits about you
|
| (European Union) and you're an EU
| |
| | when dealing with credit card
|
| citizen, make sure you have the
| |
| | transactions, you'll have a great
|
| documentation that entitles you to
| |
| | vacation wherever you go in Europe.
|
| medical treatment when visiting any other
| |
| |
|
