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Health & InsuranceTravel Insurance Airlines go bankrupt, so protect yourself by buying your tickets with a credit card. The Fair Credit Billing Act guarantees that you can get your money back from the credit card company if a travel supplier goes under (and if you request the refund within 60 days of the bankruptcy). Travel insurance can also help, but make sure it covers against "carrier default" for your specific travel provider. And be aware that if a U.S. airline goes bust midtrip, a 2001 federal law requires other carriers to take you to your destination (albeit on a space-available basis) for a fee of no more than $25, provided you rebook within 60 days of the cancellation. 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 you 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 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) offers 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). 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 check your coverage before you leave. 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. If you're ever hospitalized more than 150 miles from home, MedjetAssist (tel. 800/527-7478; www.medjetassistance.com) will pick you up and fly you to the hospital of your choice in a medically equipped and staffed aircraft 24 hours day, 7 days a week. Annual memberships are $225 individual, $350 family; you can also purchase short-term memberships. 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 Like any tropical climate, Hawaii is home to lots of bugs. Most of them won't harm you, but here's a list of pests to watch out for. Mosquitoes -- These pesky insects are not native to Hawaii but arrived as larvae stowed away in water barrels on the ship Wellington in 1826, when it anchored in Lahaina. There's not a whole lot you can do about them, except to apply commercial repellent, which you can pick up at any drugstore. Centipedes -- These segmented bugs with a jillion legs come in two varieties: 6- to 8-inch-long brown ones and 2- to 3-inch-long blue guys. Both can really pack a wallop with their sting. Centipedes are generally found in damp, wet places, such as under wood piles or compost heaps; wearing closed-toe shoes can help prevent stings. If you're stung, apply ice at once to prevent swelling. Visit a doctor if you experience extreme pain, swelling, nausea, or a severe reaction. Scorpions -- Rarely seen, scorpions are found in arid, warm regions; their stings can be serious. Campers in dry areas should always check their boots before putting them on, and shake out sleeping bags and bed rolls. Symptoms of a scorpion sting include shortness of breath, hives, swelling, and nausea. In the unlikely event that you're stung, apply diluted household ammonia and cold compresses to the area of the sting and seek medical help immediately. Hiking Safety In addition to taking the appropriate precautions regarding Hawaii's bug population, hikers should always let someone know where they're heading, when they're going, and when they plan to return; too many hikers get lost in Hawaii because they don't let others know their basic plans. Always check weather conditions with the National Weather Service (tel. 808/973-4381 on Oahu). Hike with a pal, never alone. Wear hiking boots, a sun hat, clothes to protect you from the sun and from getting scratches, and high-SPF sunscreen on all exposed areas of skin. Take water. Stay on the trail. Watch your step. It's easy to slip off precipitous trails and into steep canyons. Many experienced hikers and boaters today pack a cell- or sat-phone in case of emergency; dial tel. 911. Vog -- The volcanic haze dubbed vog is caused by gases released when molten lava -- from the continuous eruption of Kilauea volcano on the Big Island -- pours into the ocean. Some people claim that long-term exposure to the hazy, smoglike air has caused bronchial ailments, but it's highly unlikely to cause you any harm in the course of your visit. Vog season in Hawaii is the fall and winter months, when the trade winds that blow the fumes out to sea die down. The vog is felt not only on the Big Island but also as far away as Oahu. Don't Get Burned: Smart Tanning Tips -- Hawaii's Caucasian population has the highest incidence of malignant melanoma (deadly skin cancer) in the world. And nobody is completely safe from the sun's harmful rays: All skin types and races can burn. To ensure that your vacation won't be ruined by a painful sunburn, here are some helpful tips: Ocean Safety Because most people coming to Hawaii are unfamiliar with the ocean environment, they're often unaware of the natural hazards it holds. With just a few precautions, detailed below, your ocean experience can be a safe and happy one. An excellent book is All Stings Considered: First Aid and Medical Treatment of Hawaii's Marine Injuries (University of Hawaii Press, 1997) by Craig Thomas and Susan Scott. Note that sharks are not a big problem in Hawaii; in fact, they appear so infrequently that locals look forward to seeing them. Since records have been kept, starting in 1779, there have been only about 100 shark attacks in Hawaii, of which 40% have been fatal. Most attacks occurred after someone fell into the ocean from the shore or from a boat, and the sharks probably attacked after the person was dead. General rules for avoiding sharks are: Don't swim at sunrise, sunset, or where the water is murky due to stream runoff -- sharks may mistake you for one of their usual meals. And don't swim where there are bloody fish in the water, as sharks become aggressive around blood. Seasickness -- The waters in Hawaii can range from calm as glass to downright frightening (in storm conditions), and they usually fall somewhere in between. In general, expect rougher conditions in winter than in summer. Some 90% of the population tends toward seasickness. If you've never been out on a boat, or if you've been seasick in the past, you might want to heed the following suggestions: Everything You've Always Wanted to Know About Sharks -- The Hawaii State Department of Land and Natural Resources has launched a website, www.hawaiisharks.com, with more information than you probably wanted to know about sharks. The site covers the biology, history, and culture of these carnivores, and provides information on safety and data on shark bites in Hawaii. Stings -- The most common stings in Hawaii come from jellyfish, particularly Portuguese man-of-war and box jellyfish. Since the poisons they inject are very different, you need to treat each sting differently. A bluish-purple floating bubble with a long tail, the Portuguese man-of-war causes some 6,500 stings a year on Oahu alone. These stings, although painful and a nuisance, are rarely harmful; fewer than 1 in 1,000 requires medical treatment. The best prevention is to watch for these floating bubbles as you snorkel (look for the hanging tentacles below the surface). Get out of the water if anyone near you spots these jellyfish. Reactions to stings range from mild burning and reddening to severe welts and blisters. All Stings Considered recommends the following treatment: First, pick off any visible tentacles with a gloved hand, a stick, or anything handy; then rinse the sting with salt- or fresh-water and apply ice to prevent swelling and to help control pain. Avoid folk remedies like vinegar, baking soda, or urinating on the wound, which may actually cause further damage. Most Portuguese man-of-war stings will disappear by themselves within 15 to 20 minutes if you do nothing at all to treat them. Still, be sure to see a doctor if pain persists or a rash or other symptoms develop. Transparent, square-shaped box jellyfish are nearly impossible to see in the water. Fortunately, they seem to follow a monthly cycle: 8 to 10 days after the full moon, they appear in the waters on the leeward side of each island and hang around for about 3 days. Also, they seem to sting more in the morning hours, when they're on or near the surface. The stings can cause anything from no visible marks to red, hivelike welts, blisters, and pain lasting from 10 minutes to 8 hours. All Stings Considered recommends the following treatment: First, pour regular household vinegar on the sting; this will stop additional burning. Do not rub the area. Pick off any vinegar-soaked tentacles with a stick. For pain, apply an ice pack. Seek additional medical treatment if you experience shortness of breath, weakness, palpitations, muscle cramps, or any other severe symptoms. Most box jellyfish stings disappear by themselves without any treatment. Punctures -- Most sea-related punctures come from stepping on or brushing against the needlelike spines of sea urchins (known locally as wana). Be careful when you're in the water; don't put your foot down (even if you have booties or fins on) if you can't clearly see the bottom. Waves can push you into wana in a surge zone in shallow water. The spines can even puncture a wet suit. A sea-urchin puncture can result in burning, aching, swelling, and discoloration (black or purple) around the area where the spines entered your skin. The best thing to do is to pull any protruding spines out. The body will absorb the spines within 24 hours to 3 weeks, or the remainder of the spines will work themselves out. Again, contrary to popular wisdom, do not urinate or pour vinegar on the embedded spines -- this will not help. Cuts -- All cuts obtained in the marine environment must be taken seriously, because the high level of bacteria present in the water can quickly cause the cut to become infected. The best way to prevent cuts is to wear a wet suit, gloves, and reef shoes. Never touch coral; not only can you get cut, but you can also damage a living organism that took decades to grow. The symptoms of a coral cut can range from a slight scratch to severe welts and blisters. All Stings Considered recommends gently pulling the edges of the skin open and removing any embedded coral or grains of sand with tweezers. Next, scrub the cut well with fresh water. If pressing a clean cloth against the wound doesn't stop the bleeding, or the edges of the injury are jagged or gaping, seek medical treatment. What to Do If You Get Sick Away from Home 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 ER 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 them in their original containers, with pharmacy labels -- otherwise they won't make it through airport security. 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. Travel Healthy -- Before you get on the plane, read Healthy Travel by Michael P. Zimring, M.D., and Lisa Iannucci (Basic Health Publications), for excellent information before, during, and after your trip. The book is loaded with great tips on surviving the long flights to Hawaii, the best health products to pack, how to make your trip stress-free, and a few pointers on managing your weight on the trip. Safety General Safety -- Although tourist areas are generally safe, visitors should always stay alert, even in laid-back Hawaii (and especially in Waikiki). It's wise to ask the island tourist office if you're in doubt about which neighborhoods are safe. Avoid deserted areas, especially at night. Don't go into any city park at night unless there's an event that attracts crowds -- for example, the Waikiki Shell concerts in Kapiolani Park. Generally speaking, you can feel safe in areas where there are many people and open establishments. Avoid carrying valuables with you on the street and don't display expensive cameras or electronic equipment. 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 that 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're automatically safe. Driving Safety -- Recently, burglaries of tourist rental cars in hotel parking structures and at beach parking lots have become more common. Park in well-lighted and well-traveled areas if possible. Never leave any packages or valuables visible in the car. If someone attempts to rob you or steal your car, do not try to resist the thief or carjacker -- report the incident to the police department immediately. Ask your rental agency about personal safety, or request a brochure of traveler safety tips when you pick up your car. Get written directions or a map with the route marked in red showing you how to get to your destination.
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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| Home > Destinations > North America > USA > Hawaii > Oahu > Planning a Trip > Health & Insurance |