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

Other than picking up a germ that may lead to a cold or flu, you shouldn't face any serious health risks when traveling in the region. Of course, you may find yourself at higher risk when exploring the outdoors, particularly in the backcountry. A few things to watch for when venturing off the beaten track:

Poison ivy: The shiny, three-leafed plant is common throughout the region. If touched, you may develop a nasty, itchy rash that will seriously erode the enjoyment of your vacation. The reaction tends to be worse in some people than others. It's safest to simply avoid it. If you're unfamiliar with what poison ivy looks like, ask at a ranger station or visitor information booth for more information. Many have posters or books to help with identification.

Giardia: That crystal-clear stream coursing down a backcountry peak may seem pure, but it may be contaminated with animal feces. Gross, yes, and also dangerous. Giardia cysts may be present in some streams and rivers. When ingested by humans, the cysts can result in copious diarrhea and weight loss. Symptoms may not surface until well after you've left the backcountry and returned home. Carry your own water for day trips, or bring a small filter (available at most camping and sporting goods shops) to treat backcountry water. Failing that, at least boil water or treat it with iodine before using it for cooking, drinking, or washing. If you detect symptoms, see a doctor immediately.

Lyme disease: Lyme disease has been a growing problem in New England since 1975 when the disease was identified in the town of Lyme, CT, and some 14,000 cases are reported nationwide annually. The disease is transmitted by tiny deer ticks -- smaller than the more common, relatively harmless wood ticks. Look for a bull's-eye-shaped rash (3-8 in. in diameter); it may feel warm but usually doesn't itch. Symptoms include muscle and joint pain, fever, and fatigue. If left untreated, heart damage may occur. It's more easily treated in early phases than later, so seek medical attention as soon as any symptoms are noted.

Rabies: The disease is spread by animal saliva and is especially prevalent in skunks, raccoons, bats, and foxes. It is always fatal if left untreated in humans. Infected animals tend to display erratic and aggressive behavior. The best advice is to keep a safe distance between yourself and any wild animal you may encounter. If bitten, wash the wound as soon as you can and immediately seek medical attention. Treatment involves a series of shots.

Those planning longer excursions into the outdoors may find a compact first-aid kit with basic salves and medicines very handy to have along.

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.

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. There are large, good hospitals in all cities in this region, as well as in many small towns. Check with your hotel or the local tourism office if you're concerned about proximity to hotels.

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.

For domestic trips, most reliable healthcare plans provide coverage if you get sick away from home.

Staying Safe

New England -- with the notable exception of parts of Boston and Hartford -- boasts some of the lowest crime rates in the country. The odds of anything bad happening during your visit here are very slight. But all travelers are advised to take the usual precautions against theft, robbery, and assault.

Travelers should avoid any unnecessary public displays of wealth. Don't bring out fat wads of cash from your pocket, and save your best jewelry for private occasions. If you are approached by someone who demands money, jewelry, or anything else from you, do what most Americans do: Hand it over. Don't argue. Don't negotiate. Just comply. Afterward, immediately contact the police by dialing tel. 911 from almost any phone.

The crime you're statistically most likely to encounter is theft of items from your car. Don't leave anything of value in plain view and lock valuables in your trunk.

Late at night, you should look for a well-lighted area if you need gas or you need to step out of your car for any reason.

Take the usual precautions against leaving cash or valuables in your hotel room when you're not present. Many hotels have safe-deposit boxes. Smaller inns and hotels often do not, although it can't hurt to ask to leave small items in the house safe.