Health & 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.

For U.K. citizens, insurance is always advisable when traveling in the States. Travelers or 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 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 a 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

Contact the International Association for Medical Assistance to Travelers (IAMAT; tel. 716/754-4883 or 416/652-0137 in Canada; 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, Travel Health Online, 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 -- San Diego has several good hospitals with emergency rooms. Near downtown San Diego, UCSD Medical Center-Hillcrest, 200 W. Arbor Dr. (tel. 619/543-6400), has the most convenient emergency room. In La Jolla, UCSD Thornton Hospital, 9300 Campus Point Dr. (tel. 858/657-7600), has a good emergency room, and you'll find another in Coronado, at Coronado Hospital, 250 Prospect Place (tel. 619/435-6251), opposite the Marriott Resort.

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. Medications are readily available throughout San Diego at various chain drugstores such as Long's, Rite-Aid, and CVS, which sell pharmaceuticals and non-prescription products. Some branches are open 24 hours. Local hospitals also sell prescription drugs.

For U.S. travelers, most reliable health-care 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.

Australia: www.dfat.gov.au/travel

Canada: www.hc-sc.gc.ca/index_e.html

U.K.: www.dh.gov.uk/PolicyAndGuidance/HealthAdviceForTravellers/fs/en

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

Safety

Fortunately, San Diego is a relatively safe destination, by big-city standards. Of the 10 largest cities in the United States, it historically has had the lowest incidence of violent crime, per capita. Still, it never hurts to take some precautions.

Virtually all areas of the city are safe during the day. In Balboa Park, caution is advised in areas not frequented by regular foot traffic (particularly off the walkways on the Sixth Ave. side of the park). Homeless transients are common in San Diego -- especially downtown, in Hillcrest, and in the beach area. They are rarely a problem, but can be unpredictable when inebriated. Downtown areas to the east of PETCO Park are sparsely populated after dusk, and poorly lit.

Parts of the city that are usually safe on foot at night include the Gaslamp Quarter, Hillcrest, Old Town, Mission Valley, La Jolla, and Coronado.

Avoid carrying valuables with you on the street, and keep expensive cameras or electronic equipment bagged up or covered when not in use. If you're using a map, try to consult it inconspicuously -- or better yet, study it before you leave your room. Hold on to your pocketbook, and place your billfold in an inside pocket. In theaters, restaurants, and other public places, keep your possessions in sight.

Always lock your room door -- don't assume that once you're inside the hotel, you are automatically safe and no longer need to be aware of your surroundings. Hotels are open to the public, and security may not be able to screen everyone who enters.

Driving Safety -- Driving safety is important too, and carjacking is not unprecedented. Question your rental agency about personal safety and ask for a traveler-safety brochure when you pick up your car. Obtain written directions -- or a map with the route clearly marked -- from the agency, showing how to get to your destination. San Diego's airport area, where most car rental firms are based, is generally safe.

If you drive off a highway and end up in a dodgy-looking neighborhood, leave the area as quickly as possible. If you have an accident, even on the highway, stay in your car with the doors locked until you assess the situation or until the police arrive. If you're bumped from behind on the street or are involved in a minor accident with no injuries, and the situation appears to be suspicious, motion to the other driver to follow you. Never get out of your car in such situations. Go to the nearest police precinct, well-lit service station, or 24-hour store.

Whenever possible, always park in well-lit and well-traveled areas. Always keep your car doors locked, whether the vehicle is attended or unattended. Never leave packages or valuables in sight. If someone attempts to rob you or steal your car, don't try to resist the thief/carjacker. Report the incident to the police department immediately by calling tel. 911.