Health & Insurance

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 prices 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 State Department 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 offices 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

General Availability of Healthcare -- Contact the International Association for Medical Assistance to Travelers (IAMAT) (tel. 716/754-4883 or, in Canada, 416/652-0137; www.iamat.org) for tips on travel and health concerns in the countries you're visiting, and for lists of local, English-speaking doctors. The United States 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 International Society of Travel Medicine (www.istm.org).

What to Do If You Get Sick Away from Home -- If you suffer from a chronic illness, consult your doctor before your departure. Pack prescription medications in your carry-on luggage, and carry them in their original containers, with pharmacy labels -- otherwise they won't make it through airport security. Visitors from outside the U.S. should carry generic names of prescription drugs. For U.S. travelers, most reliable healthcare plans provide coverage if you get sick away from home. Foreign visitors may have to pay all medical costs upfront and be reimbursed later.

Healthy Travels to You
The following government websites offer up-to-date health-related travel advice.

U.S.: www.cdc.gov/travel

Common Ailments

Altitude Sickness -- About two-thirds of Colorado is more than a mile above sea level, which means there is less oxygen and lower humidity than many travelers are accustomed to. This creates a unique set of problems for short-term visitors, such as the possibility of shortness of breath, fatigue, and other physical concerns.

Those not used to higher elevations should get sufficient rest, avoid large meals, and drink plenty of nonalcoholic fluids, especially water. Individuals with heart or respiratory problems should consult their personal physicians before planning a trip to the Colorado mountains. Those in generally good health need not take any special precautions, but it is best to ease the transition to higher elevations by changing altitude gradually. For instance, spend a night or two in Denver (elevation 5,280 ft.) or Colorado Springs (elevation 6,035 ft.) before driving or taking the cog railway to the top of Pikes Peak (elevation 14,110 ft.).

Lowlanders can also help their bodies adjust to higher elevations by taking it easy for their first few days in the mountains, cutting down on cigarettes and alcohol, and avoiding sleeping pills and other drugs. Your doctor can provide prescription drugs to help prevent and relieve symptoms of altitude sickness.

Because the sun's rays are more direct in the thinner atmosphere, they cause sunburn more quickly. The potential for skin damage increases when the sun reflects off snow or water. A good sunblock is strongly recommended, as are good-quality ultraviolet-blocking sunglasses. Remember that children need more protection than adults.

Hantavirus -- State health officials warn outdoor enthusiasts to take precautions against the hantavirus, a rare but often fatal respiratory disease first recognized in 1993. About half of the country's confirmed cases have been reported in the Four Corners states of Colorado, New Mexico, Arizona, and Utah. The disease is usually spread by the urine and droppings of deer mice and other rodents, and health officials recommend that campers avoid areas with signs of rodent droppings. Symptoms of hantavirus are similar to flu and lead to breathing difficulties and shock.

West Nile Virus -- Colorado has also had its share of cases of the West Nile virus illness. The best prevention is mosquito repellent and keeping mosquito populations across the state in check. The virus can be fatal, but is typically not. Symptoms include fever, headache, and body aches.

Staying Safe

While there are many reasons to visit Colorado, two of the reasons most often cited are its historic sites and magnificent outdoor activities. However, visiting historic sites and participating in outdoor activities can lead to accidents.

When visiting such historic sites as ghost towns, gold mines, and railroads, keep in mind that they were probably built more than 100 years ago, at a time when safety standards were extremely lax, if they existed at all. Never enter abandoned buildings, mines, or railroad equipment on your own. When you're visiting commercially operated historic tourist attractions, use common sense and don't be afraid to ask questions.

Walkways in mines are often uneven and poorly lit, and are sometimes slippery due to seeping groundwater that can also stain your clothing with its high iron content. When entering old buildings, be prepared for steep, narrow stairways; creaky floors; and low ceilings and doorways. Steam trains are a wonderful experience as long as you remember that steam is very hot, and that oil and grease can ruin your clothing.

When heading to the great outdoors, keep in mind that injuries often occur when people fail to follow instructions. Pay attention when the experts tell you to stay on established ski trails, hike only in designated areas, carry rain gear, and wear a life jacket when rafting. Mountain weather can be fickle, and many of the most beautiful spots are in remote areas. Be prepared for extreme changes in temperature at any time of year, and watch out for sudden summer-afternoon thunderstorms that can leave you drenched and shivering in minutes.

Back to Top

Note: This information was accurate when it was published, but can change without notice. Please be sure to confirm all rates and details directly with the companies in question before planning your trip.

		Email			Print			RSS

				Frommer's Colorado, 9th Edition Author: Don Laine Pub Date: February 20, 2007 Price: $18.99				Related Titles: Arizona For Dummies, 4th Edition Frommer's American Southwest, 3rd Edition Frommer's Arizona 2008