Health & Insurance

Travel Insurance

Check your existing insurance policies and credit card coverage before you buy travel insurance. You may already be covered for lost luggage, canceled tickets, or medical expenses.

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. (Insurers usually won't cover vague fears, though, as many travelers discovered when they tried to cancel their trips in Oct 2001.) In this unstable world, trip-cancellation insurance is a good buy if you're purchasing tickets well in advance -- who knows what the state of the world, or of your airline, will be in 9 months? Insurance policy details vary, so read the fine print -- and make sure that your airline or cruise line is on the list of carriers covered in case of bankruptcy. A good resource is "Travel Guard Alerts," a list of companies considered high-risk by Travel Guard International (see website below). Protect yourself further by paying for the insurance with a credit card -- by law, consumers can get their money back on goods and services not received if they report the loss within 60 days after the charge is listed on their credit card statement.

Note: Many tour operators, particularly those offering trips to remote or high-risk areas, include insurance in the total trip cost or can arrange insurance policies through a partnering provider, which is a convenient and often cost-effective way for the traveler to obtain insurance. Make sure the tour company is a reputable one, however, and be aware that some experts suggest you avoid buying insurance from the tour or cruise company you're traveling with. They contend it's more secure to buy from a third party than to put all your money in one place.

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 -- For travel overseas, most health plans (including Medicare and Medicaid) do not provide coverage, and the ones that do often require you to pay for services upfront and reimburse you only after you return home. Even if your plan does cover overseas treatment, most out-of-country hospitals make you pay your bills upfront, and send you a refund only after you've returned home and filed the necessary paperwork with your insurance company. 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 is a possible scenario. 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).

Lost-Luggage Insurance -- On domestic flights, checked baggage is covered up to $2,500 per ticketed passenger. On international flights (including 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. Don't buy insurance at the airport, where it's usually overpriced. Be sure to take any valuables or irreplaceable items with you in your carry-on luggage, because many valuables (including books, money, and electronics) aren't covered by airline policies.

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.

Health & Safety

Staying Healthy--No shots or inoculations are required for entry to Hungary. To be on the safe side, bring enough of any prescription or other medication you may need. It is also good practice to take along a copy of all prescriptions -- in their generic forms -- in case you run out of any meds. Sunscreen and other toiletries are readily available.

General Availability of Healthcare--Emergency medical treatment is provided free of charge in Hungary, but you'll have to pay for prescription medications and for non-emergency care. In most cases, your existing health plan will provide the coverage you need. But double-check; you may want to buy travel medical insurance instead. (See the section on insurance, above.) Bring your insurance ID card with you when you travel.

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--Any foreign consulate can provide a list of area doctors who speak English. If you get sick, consider asking your hotel concierge to recommend a local doctor -- even his or her own. You can also try the emergency room at a local hospital. Many hospitals also have walk-in clinics for emergency cases that are not life-threatening; you may not get immediate attention, but you won't pay the high price of an emergency room visit.

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 prescription medications in their original containers, with pharmacy labels -- otherwise they won't make it through airport security. Also carry 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. Carry the generic name of prescription medicines, in case a local pharmacist is unfamiliar with the brand name.

For domestic trips, most reliable health-care 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

Budapest is a fairly safe city, and violent street crime is far less common than in similar sized U.S. cities. However, you should always be on the lookout for pickpockets, especially on crowded buses, trains, and trams. Pickpockets generally work in teams, with one or more creating a distraction (bumping into people, falling down, staging a fake argument, and so on), while a partner takes advantage of the fact that their victim is distracted. One way to protect yourself is to always carry valuables in an inside pocket or in a money belt. There is no shortage of rambunctious drunks at night in Budapest, but they don't seem to pose much danger to others. Budapest is a city filled with underpasses. Be careful at night; you can always choose to cross a street above ground if an underpass appears deserted.

Eco-Tourism

The International Ecotourism Society (TIES) defines eco-tourism as "responsible travel to natural areas that conserves the environment and improves the well-being of local people." You can find eco-friendly travel tips, statistics, and touring companies and associations -- listed by destination under "Travel Choice" -- at the TIES website, www.ecotourism.org. Ecotravel.com is part online magazine and part eco-directory that lets you search for touring companies in several categories (water-based, land-based, spiritually oriented, and so on). Also check out Conservation International (www.conservation.org) -- which, with National Geographic Traveler, annually presents World Legacy Awards (www.wlaward.org) to those travel tour operators, businesses, organizations, and places that have made a significant contribution to sustainable tourism.

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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.

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				Frommer's Budapest & the Best of Hungary, 7th Edition Author: Dr. Ryan James Pub Date: April 21, 2008 Price: $18.99				Related Titles: Europe For Dummies, 4th Edition Europe For Dummies, 5th Edition Frommer's 24 Great Walks in Amsterdam