Health & Insurance

Insurance

For travel overseas, most U.S. 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.

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).

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, baggage, or cancellation, travel insurance from a reputable company should always be sought (www.travelinsuranceweb.com).

Travel Insurance -- You can get insurance 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 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).

Automobile Insurance -- Auto insurance is compulsory in British Columbia. Basic coverage consists of "no-fault" accident and C$200,000 (£100,000) third-party legal liability coverage. If you plan to drive in Canada, check with your insurance company to make sure that your policy meets this requirement. Always carry your insurance card, your vehicle registration, and your driver's license in case you get pulled over or have an accident. AAA also offers low-cost travel and auto insurance for its members. If you are a member and don't have adequate insurance, take advantage of this benefit.

Note: If you rent a car in British Columbia and plan to take it across the border into the U.S., let your rental company know in advance.

Health

If you become ill while traveling in Canada, you may have to pay all medical costs upfront and be reimbursed later. Medicare and Medicaid do not provide coverage for medical costs outside the U.S. Before leaving home, find out what medical services your health insurance covers. To protect yourself, consider buying medical travel insurance.

Very few U.S. health insurance plans pay for medical evacuation (which can cost $10,000 and up). A number of companies offer medical evacuation services anywhere in the world. If you're ever hospitalized more than 242km (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 virtually anywhere in the world in a medically equipped and staffed aircraft 24 hours day, 7 days a week. Annual memberships are US$225 individual, US$350 family; you can also purchase short-term memberships.

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. Carry the generic name of prescription medicines, in case a local Canadian pharmacist is unfamiliar with the brand name.

For conditions like epilepsy, diabetes, or heart problems, wear a MedicAlert Identification Tag (tel. 800/825-3785; www.medicalert.org), which will immediately alert doctors to your condition and give them access to your records through MedicAlert's 24-hour hotline.

Safety

Overall, Vancouver is a safe city and Victoria is even safer. Violent-crime rates are quite low in both cities. However, property crimes and crimes of opportunity (such as items being stolen from unlocked cars) occur pretty frequently in Vancouver. Never leave valuable items on view in your parked car; put them in the trunk. Most hotels offer safe valet parking or parking in nearby lots.

Thanks to the mild climate and (controversially) lax laws, both Vancouver and Victoria have populations of transients living on the streets of certain neighborhoods. Vancouver's downtown East Side, between Gastown and Chinatown, is a troubled, drug-riddled neighborhood and should be avoided at night. In both Vancouver and Victoria, transients panhandle throughout downtown and tourist-heavy areas.