Health & Insurance

Travel Insurance

The cost of travel insurance varies widely, depending on the cost and length of your trip, your age and health, and the type of trip you're taking, but expect to pay between 5% and 8% of the vacation itself. You can get estimates from various providers through InsureMyTrip.com. Enter your trip cost and dates, your age, and other information for quotes from more than a dozen companies.

Trip-Cancellation Insurance -- Trip-cancellation insurance will help retrieve your money if you have to back out of a trip or depart early, or if your travel supplier goes bankrupt. Permissible reasons for trip cancellation can range from sickness to natural disasters to the Department of State declaring a destination unsafe for travel.

For more information, contact one of the following recommended insurers: Access America (tel. 866/807-3982; www.accessamerica.com), Travel Guard International (tel. 800/826-4919; www.travelguard.com), Travel Insured International (tel. 800/243-3174; www.travelinsured.com), and Travelex Insurance Services (tel. 888/457-4602; www.travelex-insurance.com).

Medical Insurance -- Although it's not required of travelers, health insurance is highly recommended. Most health-insurance policies cover you if you get sick away from home -- but verify that you're covered before you depart, particularly if you're insured by an HMO.

International visitors should note that unlike many European countries, the United States does not usually offer free or low-cost medical care to its citizens or visitors. Doctors and hospitals are expensive, and in most cases will require advance payment or proof of coverage before they render their services. Good policies will cover the costs of an accident, repatriation, or death. Packages such as Europ Assistance's "Worldwide Healthcare Plan" are sold by European automobile clubs and travel agencies at attractive rates. Worldwide Assistance Services, Inc. (tel. 800/777-8710; www.worldwideassistance.com) is the agent for Europ Assistance in the United States.

Though lack of health insurance may prevent you from being admitted to a hospital in nonemergencies, don't worry about being left on a street corner to die: The American way is to fix you now and bill the living daylights out of you later.

Insurance for British Travelers -- Most big travel agents offer their own insurance and will probably try to sell you their package when you book a holiday. Think before you sign. Britain's Consumers' Association recommends that you insist on seeing the policy and reading the fine print before buying travel insurance. The Association of British Insurers (tel. 020/7600-3333; www.abi.org.uk) gives advice by phone and publishes Holiday Insurance, a free guide to policy provisions and prices. You might also shop around for better deals: Try Columbus Direct (tel. 0870/033- 9988; www.columbusdirect.net).

Insurance for Canadian Travelers -- Canadians should check with their provincial health plan office or call Health Canada (tel. 866/225-0709; www.hc-sc.gc.ca) to find out the extent of their coverage and what documentation and receipts they must take home in case they are treated in the United States.

Lost-Luggage Insurance -- On flights within the U.S., checked baggage is covered up to $2,500 per ticketed passenger. On flights outside the U.S. (and on U.S. portions of international trips), baggage coverage is limited to approximately $9.07 per pound, up to approximately $635 per checked bag. If you plan to check items more valuable than what's covered by the standard liability, see if your homeowner's policy covers your valuables, get baggage insurance as part of your comprehensive travel-insurance package, or buy Travel Guard's "BagTrak" product.

If your luggage is lost, immediately file a lost-luggage claim at the airport, detailing the luggage contents. Most airlines require that you report delayed, damaged, or lost baggage within 4 hours of arrival. The airlines are required to deliver luggage, once found, directly to your house or destination free of charge.

Staying Healthy

Contact the International Association for Medical Assistance to Travelers (IAMAT; tel. 716/754-4883, or 416/652-0137 in Canada; www.iamat.org) for tips on travel and health concerns in the countries you're visiting, as well as for lists of local English-speaking doctors. The U.S. Centers for Disease Control and Prevention (tel. 800/311-3435; www.cdc.gov) provides up-to-date information on health hazards by region or country and offers tips on food safety. The website www.tripprep.com, sponsored by a consortium of travel-medicine practitioners, may also offer helpful advice on traveling abroad. You can find listings of reliable clinics overseas at the website of the International Society of Travel Medicine (www.istm.org).

If you suffer from a chronic illness, consult your doctor before your departure. For conditions like epilepsy, diabetes, or heart problems, wear a MedicAlert identification tag (tel. 888/633-4298; www.medicalert.org), which will immediately alert doctors to your condition and give them access to your records through MedicAlert's 24-hour hot line.

Pack prescription medications in your carry-on luggage, and carry them in their original containers with pharmacy labels affixed -- otherwise they won't make it through airport security. Also bring along copies of your prescriptions in case you lose your pills or run out. Don't forget an extra pair of contact lenses or prescription glasses.

For domestic trips, most reliable healthcare plans provide coverage if you get sick away from home. For travel abroad, you may have to pay all medical costs upfront and be reimbursed later.

Staying Safe

General Safety -- Atlanta's neighborhoods are relatively safe, but it's wise to exercise caution at night near Underground Atlanta, as well as around the major venues for sporting events. Most of the central city is primarily a business district that closes up after dark, so it's a good idea to stay within the downtown hotel and entertainment district, which is likely to be much busier.

Buckhead, a major restaurant and bar scene, is safe as long as the crowds are out. Recently, however, a few square blocks of Buckhead's entertainment district -- where most of the bars are located -- have been plagued by overly rowdy behavior and incidents of violent crime. Much of the undesirable activity takes place after midnight or in the wee hours as the bars are winding down, so be alert.

Avoid carrying valuables with you on the street, and don't display expensive cameras or electronic equipment. If you are using a map, consult it inconspicuously -- or better yet, try to study it before you leave your hotel. Hold onto your pocketbook, and place your billfold in an inside pocket. In theaters, restaurants, and other public places, keep your possessions in sight.

Remember also that hotels are open to the public, and in a large hotel, security may not be able to screen everyone entering. Always lock your room door -- don't assume that once inside your hotel you are automatically safe and no longer need to be aware of your surroundings.

Driving Safety -- Question your rental agency about personal safety and ask for a traveler-safety brochure when you pick up your car. Obtain written directions -- or a map with the route clearly marked -- from the agency showing how to get to your destination. (Many agencies now offer the option of renting a cellular phone for the duration of your car rental; check with the rental agent when you pick up the car.)

Recently, more and more crime has involved cars and drivers. If you drive off a highway into a doubtful neighborhood, leave the area as quickly as possible. If you have an accident, even on the highway, stay in your car with the doors locked until you assess the situation or until the police arrive. If you're bumped from behind on the street or are involved in a minor accident with no injuries and the situation appears to be suspicious, motion to the other driver to follow you. Never get out of your car in such situations. Go directly to the nearest police precinct, well-lit service station, or 24-hour store.

Always try to park in well-lit and well-traveled areas if possible. Never leave any packages or valuables in sight. If someone attempts to rob you or steal your car, don't try to resist the thief/carjacker -- report the incident to the police department immediately by calling tel. 911.