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Medical Insurance

Most U.S. health plans (including Medicare and Medicaid) do not provide coverage in French Polynesia, and the ones that do often require you to pay for services upfront and reimburse you only after you return home.

As a safety net, you may want to buy travel medical insurance, particularly if you're traveling to a remote or high-risk area where emergency evacuation might be necessary. If you require additional medical insurance, try MEDEX Assistance (tel. 410/453-6300; www.medexassist.com) or Travel Assistance International (tel. 800/821-2828; www.travelassistance.com; for general information on services, call the company's Worldwide Assistance Services, Inc., at tel. 800/777-8710).

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 overseas.

Travelers from the U.K. should carry their European Health Insurance Card (EHIC), which replaced the E111 form as proof of entitlement to free/reduced-cost medical treatment abroad (tel. 0845 606 2030; www.ehic.org.uk). Note, however, that the EHIC only covers "necessary medical treatment," and for repatriation costs, lost money or baggage, and cancellations; travel insurance from a reputable company should always be sought (www.travelinsuranceweb.com).

Travel Insurance

The cost of travel insurance varies widely, depending on the destination, 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.

U.K. citizens and their families who make more than one trip abroad per year may find an annual travel insurance policy works out cheaper. Check www.moneysupermarket.com, which compares prices across a wide range of providers for single- and multi-trip policies.

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).

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. Trip cancellation traditionally covers such events as sickness, natural disasters, and U.S. State Department advisories. The latest news in trip-cancellation insurance is the availability of expanded hurricane coverage and the "any-reason" cancellation coverage -- which costs more, but covers cancellations made for any reason. You won't get back 100% of your prepaid trip cost, but you'll be refunded a substantial portion. TravelSafe (tel. 888/885-7233; www.travelsafe.com) has both types of coverage. Expedia also offers any-reason cancellation coverage for its air-hotel packages. For details, 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).

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.