Planning a trip to Eastern Europe

When the Berlin Wall fell in 1989, the iron curtain slowly lifted to give the world its first unobstructed view of Eastern Europe since World War II. What materialized was a region numbed by economic disaster, iron-fisted suppression of the individual, and the neglect of the aesthetic. Almost 2 decades later, Eastern Europe's fortunes have changed dramatically, but most North Americans still picture the region east of Berlin and the Adriatic in grim, forbidding Cold War terms and consequently eliminate it from their lists of desirable vacation destinations. Western Europeans, however, always viewed Eastern European countries as places to explore and relax, and as soon as they were free to travel there without much restriction, they returned in droves to Croatia's Adriatic resorts, the Czech Republic's majestic churches, Hungary's intriguing spa towns, Slovenia's picturesque Alpine villages, Romania's Carpathian mountains, Russia's historic cities, and Poland's bustling markets. North Americans' long-held preconceptions of Eastern Europe are dissipating, and more and more English-speaking folks are riding the tourism wave that is sweeping the region. Eastern Europe finally is emerging as a trendy travel frontier where friendly people, stunning natural beauty, compelling history, and relatively low prices are drawing a crowd of savvy travelers. Even though North American travelers must tolerate one-stop flights and must obtain a visa if Russia is their destination, gaining entry to Eastern Europe is no more difficult than accessing Western Europe. Furthermore, you'll find an OPEN sign on these formerly restricted destinations and you'll wonder why it took you so long to get there.

Tips for Families

Families are very important in Eastern Europe, but if you're traveling with children, don't expect any special treatment. You might get reduced rates for children under 12 when you visit museums, a reduced extra-person rate for the child in your hotel room, and a few kiddy menus here and there in restaurants, but other than that there are no financial breaks for the younger set. You'll find most young visitors at the beach, on the ski slopes, or in the museums of Eastern Europe.

Recommended family travel Internet sites include Family Travel Forum (www.familytravelforum.com), a comprehensive site that offers customized trip planning; Family Travel Network (www.familytravelnetwork.com), a comprehensive site offering sound advice for long-distance and international travel with children; and Family Travel Files, (www.familytravelfiles.com) which offers an online magazine and a directory of off-the-beaten-path tours and tour operators for families. If your destination is Croatia, then check out Frommer's Croatia with Your Family.

Tips for Single Travelers

Solo travelers might find it difficult to book any room at a single-room price. In fact, solo travelers may pay a premium to get a room. On package vacations, single travelers often are hit with a "single supplement" to the base price. To avoid it, you can agree to room with other single travelers or find a compatible roommate before you go, from one of the many roommate-locator agencies.

Travel Buddies Singles Travel Club (tel. 800/998-9099; www.travelbuddiesworldwide.com), based in Canada, runs small, intimate, single-friendly group trips and will match you with a roommate free of charge. TravelChums (tel. 212/787-2621; www.travelchums.com) is an Internet-only travel-companion matching service with elements of an online personals-type site, hosted by the respected New York-based Shaw Guides travel service. The Single Gourmet Club (www.singlegourmet.com/chapters.php) is an international social, dining, and travel club for singles of all ages, with club chapters in 21 cities in the U.S. and Canada. Many reputable tour companies offer singles-only trips. Singles Travel International (tel. 877/765-6874; www.singlestravelintl.com) offers singles-only trips to places like London, Fiji, and the Greek Islands. Backroads (tel. 800/462-2848; www.backroads.com) offers more than 160 active-travel trips to 30 destinations worldwide, including Bali, Morocco, and Costa Rica.

For more information, check out Eleanor Berman's latest edition of Traveling Solo: Advice and Ideas for More Than 250 Great Vacations (Globe Pequot), a guide with advice on traveling alone, either solo or as part of a group tour.

Staying Safe

The U.S. Department of State's Consular Information Program provides consular information sheets, travel warnings, and public announcements. Travel Warnings are issued when the State Department recommends that Americans avoid travel to a certain country. Public Announcements are issued as a means to disseminate information quickly about terrorist threats and other relatively short-term conditions that pose significant risks to the security of American travelers. Free copies of this information are available by calling the Bureau of Consular Affairs at tel. 202-647-5225 or via the fax-on-demand system: tel. 202/647-3000. Consular Information Sheets and Travel Warnings also are available on the Consular Affairs Internet home page at http://travel.state.gov.

Croatia, the Czech Republic, Hungary, Poland, Slovakia, and Slovenia are generally safe for tourists, though you should exercise the same caution you would in any unfamiliar city and always be aware of your surroundings when walking in less trafficked areas or at night.

Bulgaria, Romania, and Russia are less safe, and visitors should take precautions to keep their valuables secure from pickpockets and others who prey on the unaware in major cities. Corruption is widespread in these developing countries and visitors should be skeptical about policemen who stop you and demand payment for fines levied for bogus charges. If you are confronted with a policeman demanding cash on the spot to pay a fine assessed for an alleged infraction, you should insist on going to the nearest police station to pay. Before you go out, put jewelry and laptops in the hotel safe if you will be gone for the day and don't need them. Never leave any valuables or documents, including passports, in your hotel room when you are gone.

Dealing with Discrimination

Discrimination in Romania is usually reserved for members of the Roma minority (Gypsies) and for children with HIV. Bulgaria is slowly coming into compliance with E.U. antidiscrimination guidelines, but it, too, denies equal treatment to Roma (and women in general). The Russian constitution states that everyone is equal before the law and prohibits discrimination on the basis of race, ethnicity, national origin, or language, but there is no provision for punishment of anyone who breaks the law. In Russia, most discrimination is aimed at former Soviet citizens and select minorities, including the Roma. In the other Eastern European countries covered in this book, discrimination is largely based on internal conflicts and aimed at ethnic groups within the various countries.

Staying Healthy

Staying healthy during a trip to Eastern Europe requires common sense and an ounce of prevention. No vaccinations are necessary to visit the region and digestive upsets are visitors' biggest health challenges. It is safest to stick with bottled water everywhere.

General Availability of HealthCare

Hospitals and pharmacies are available in all Eastern European countries, but the quality of treatments and drugs varies widely, even within a single country.

If you plan to visit forested areas in the summer or if you choose to consume unpasteurized dairy products, you put yourself at risk for tick-borne infections. According to the Centers for Disease Control and Prevention (CDC), tick-borne encephalitis, a viral infection of the central nervous system, has been reported in Russia, the Czech Republic, Hungary, Poland, and Slovenia, so take precautions against tick bites if you visit these countries.

In general, the CDC warns travelers not to eat food purchased from street vendors or undercooked food to reduce risk of hepatitis A and typhoid fever. Do not drink beverages with ice if the water supply is suspect. Avoid unpasteurized dairy products. Don't swim in fresh water to avoid exposure to waterborne diseases. Don't handle animals, especially monkeys, dogs, and cats, to avoid bites and rabies and plague. Do not share needles for tattoos, body piercing, or injections. HIV and hepatitis B are global hazards. Avoid poultry farms, bird markets, and other places where live poultry is raised or kept.

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, 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 might not make it through airport security. Carry the generic names of prescription medicines, in case a local pharmacist is unfamiliar with the brand name. Have prescriptions translated into the local language before you leave home.

For travel abroad, you may have to pay all medical costs upfront and be reimbursed later.

Calendar of Events

January

New Year's Day. January 1 is the first day of the Gregorian calendar, which is used by most countries in Eastern Europe. This day is both a secular and a religious holiday commemorating the circumcision of Christ. In countries where Eastern Orthodoxy is the predominant religion, many celebrate January 1 as a civic holiday and January 14 as a religious holiday. The Eastern Church in Bulgaria, Romania, and Poland has adopted a modified Julian calendar, which incorporates both religious and civic holidays on January 1. In Russia, January 1 is a civil holiday and the biggest of the year, a holdover from the atheist Soviet government, which banned religious celebrations.

February

Feast of St. Blaise. The patron saint of Dubrovnik (Croatia) is honored each February 3 by Catholics worldwide as a healer of throat ailments. But in Dubrovnik, the saint is revered as the city's savior, a man who thwarted an attack of invading Turks. He is feted with parades, food, wine, and a workers' day off.

Carnival. This pre-Lenten celebration begins in mid-February and ends at midnight on Shrove Tuesday in cities and villages all over the globe. It is celebrated to various degrees throughout Eastern Europe, but lavishly so in Rijeka, Croatia.

March

National Days. March is a good month for national days in Eastern Europe. Bulgaria National Day is March 3 while Hungary's is March 15. Bulgaria also hosts March Music Days, a festival of classical music and composers, in March.

April

Easter Sunday and Easter Monday. These movable feasts can fall in March or April, but they are both religious and civic holidays for Catholics and Eastern Rite Christians throughout Eastern Europe whenever they occur. Eastern Rite Easter is usually 1 or 2 weeks after Catholic/Protestant Easter. The day has taken on greater significance in Russia since the collapse of Soviet atheism. The International Festival of Ghosts and Phantoms materializes in Bojnice, Slovakia, at the end of April. On National Resistance Day Slovenia stops to remember the movement that stood up to occupying forces during World War II.

May

Labor Day. May 1 is a workers' holiday throughout Eastern Europe.

National Days. Poland's Constitution Day is May 3; Bulgaria has Bulgarian Army Day on May 6; the Czech Republic and Slovakia celebrate Liberation Day on May 8; Hungary commemorates Emancipation Day on May 24; and Croatia celebrates Statehood Day on May 30.

June

Pentecost Sunday. Another movable church feast, Pentecost is celebrated 40 days after Easter throughout Eastern Europe. Pentecost, aka Whit Monday, is also a civic holiday.

Corpus Christi Day. This Catholic holy day also merits some civic closures in Croatia, Poland, Slovakia, and Slovenia. It usually falls in June but can be in late May when Easter falls early in the season.

Summer Festivals. June is the traditional start of the summer festival season in Eastern Europe, which kicks off with dance festivals in Zagreb, Croatia (June 1), and Prague, Czech Republic (June 2).

National Days. Croatia stops everything for Antifascist Struggle Day on June 22, and closes down again 3 days later on June 25 for Statehood Day, a date it shares with Slovenia's National Day holiday. In late June or early July St. Petersburg hosts White Nights, a series of concerts, film festivals, all-night boat tours, and other events.

July & August

These 2 months equate with Eastern Europe's high tourism season and the summer festival season all over the region. Choose from Dubrovnik's Summer Festival in Croatia, a more-than-50-year-old theater and music marathon that goes from the second week of July through the third week of August, to Formula I racing in Budapest (Hungary) at the beginning of August. The Maiden Festival in Romania is a vestige of Targu de Fete, a day when guys picked out their brides. Today it is more of a folk festival. Look for single-day or weekend celebrations in specific towns in every country and you can eat, drink, sing, and dance your way across Eastern Europe for 2 months. Split's Summer Festival showcases open-air opera, theater, and dance performances and Porec is the venue for a series of jazz concerts. August 15 is the Feast of the Assumption, which is a holy day for the world's Catholics, including Eastern Europe's Catholic countries (Croatia, Poland, Slovakia, and Slovenia).

September

The festival season winds down and kids in Eastern Europe go back to school in September. You still can take in a concert or two at the Prague Autumn Music Festival from mid-September to October or watch a Marco Polo naval battle reenactment off Korcula (Croatia) in early September. The Apollonia Festival of the Arts takes place in Bulgaria in September and it is followed by the Golden Rose International Film Festival at the end of the month.

October

Lots of civic commemorations across Eastern Europe mean plenty of days off work and store closures in October. Croatia, Hungary, the Czech Republic, and Slovenia each close down for a day (Oct 8, 23, 28, and 31, respectively) to celebrate political milestones. The harvest season goes into full swing, too, with village celebrations in progress across the region. Warsaw hosts a Jazz Jamboree this month. It is purported to be the oldest jazz festival in Europe.

November

All Saints' Day (Nov 1) is another holy day for Catholics and a day to close up shop in Eastern Europe's Catholic countries (Croatia, Poland, Slovakia, Slovenia). Polish people place lighted candles on the graves of the dear departed on this day. November 11 is St. Martin's Day and the first day of the wine season in grape-growing regions (Croatia, Slovenia) and a day to eat, drink, and be merry.

December

Christmas fairs abound in the Czech Republic in the days leading up to that holiday. Polish children delight on St. Nicholas Day (Dec 6) because they receive gifts. Except for Russia, Christmas Day and St. Stephen's Day (Dec 25-26) are celebrated throughout Eastern Europe as both religious and civic holidays, as is New Year's Eve, aka St. Sylvester's Day, on December 31.

Tips on Dining

Eastern European food is often maligned by Westerners who imagine that they will be dining exclusively on bread, potatoes, meat, and cabbage during a stay in that region. Yes, Eastern European food can be heavy, especially in places like Russia and Romania, where the temperature can fall to arctic levels and stay there for a long time. But this region's cuisine also can be surprisingly light and sophisticated, like the delicate truffle dishes in Istria (Croatia) and other regional specialties.

When looking for a restaurant, avoid places that display menus translated into seven languages. These are bound to offer diluted versions of wonderful regional foods or awful interpretations of "foreign" dishes. Instead, look for small mom-and-pop places filled with locals having a good time. Alternatively, you can make quite a good meal from local bakeries and markets where everything from caviar to laundry detergent is sold.

Dining is relatively inexpensive wherever you go in Eastern Europe. You'll find wonderful fish, Italian-style fare, and local wine in Slovenia and Croatia's coastal cities, spicy goulash stews in Hungary, and excellent beer in Poland and the Czech Republic. If you're lucky, you'll also be able to sample a few homemade liqueurs, usually potent brews made from plums, cherries, or other fruits.

One thing is for sure: You won't go hungry in this land where eating is a social event, a sport, and a way to celebrate life.

Sustainable Travel & Ecotourism

Sustainable tourism is conscientious travel. It means being careful with the environments you explore, and respecting the communities you visit. Two overlapping components of sustainable travel are ecotourism and ethical tourism. The International Ecotourism Society (TIES) defines ecotourism as responsible travel to natural areas that conserves the environment and improves the well-being of local people. TIES suggests that ecotourists follow these principles:

  • Minimize environmental impact.

Build environmental and cultural awareness and respect.

Provide positive experiences for both visitors and hosts.

Provide direct financial benefits for conservation and for local people.

Raise sensitivity to host countries' political, environmental, and social climates.

Support international human rights and labor agreements.

You can find some eco-friendly travel tips and statistics, as well as touring companies and associations -- listed by destination under "Travel Choice" -- at the TIES website, www.ecotourism.org. Also check out Ecotravel.com, which lets you search for sustainable touring companies in several categories (water-based, land-based, spiritually oriented, and so on).

While much of the focus of ecotourism is about reducing impacts on the natural environment, ethical tourism concentrates on ways to preserve and enhance local economies and communities, regardless of location. You can embrace ethical tourism by staying at a locally owned hotel or shopping at a store that employs local workers and sells locally produced goods.

Responsible Travel (www.responsibletravel.com) is a great source of sustainable travel ideas; the site is run by a spokesperson for ethical tourism in the travel industry. Sustainable Travel International (www.sustainabletravelinternational.org) promotes ethical tourism practices, and manages an extensive directory of sustainable properties and tour operators around the world.

In the U.K., Tourism Concern (www.tourismconcern.org.uk) works to reduce social and environmental problems connected to tourism. The Association of Independent Tour Operators (AITO; www.aito.co.uk) is a group of specialist operators leading the field in making holidays sustainable.

Tips for Senior Travelers

Many museums and attractions in Eastern Europe offer free or reduced rates to people of retirement age. However, few hotels offer age-based discounts and no restaurants offer the early-bird specials so popular with the over-50 set in the U.S. However, members of AARP (formerly known as the American Association of Retired Persons), 601 E St. NW, Washington, DC 20049 (tel. 888/687-2277; www.aarp.org), may get discounts on hotels, airfares, and car rentals if these are linked to a U.S.-based company. AARP offers members a wide range of benefits, including AARP The Magazine and a monthly newsletter. Anyone over 50 can join.

Many reliable agencies and organizations target the 50-plus market. Elderhostel (tel. 877/426-8056; www.elderhostel.org) arranges study programs for those aged 55 and over. ElderTreks (tel. 800/741-7956; www.eldertreks.com) offers small-group tours to off-the-beaten-path or adventure-travel locations, restricted to travelers 50 and older. Recommended publications offering travel resources and discounts for seniors include: the quarterly magazine Travel 50 & Beyond (www.travel50andbeyond.com); Travel Unlimited: Uncommon Adventures for the Mature Traveler (Avalon); 101 Tips for Mature Travelers, available from Grand Circle Travel (tel. 800/221-2610 or 617/350-7500; www.gct.com); and Unbelievably Good Deals and Great Adventures That You Absolutely Can't Get Unless You're Over 50 (McGraw-Hill), by Joann Rattner Heilman.

Escorted Tours & Independent Package Tours

Packages for the Independent Traveler

Package tours are simply a way to buy the airfare, accommodations, and other elements of your trip (such as car rentals, airport transfers, and sometimes even activities) at the same time and often at discounted prices.

One good source of package deals is the airlines themselves. Most major airlines offer air/land packages, including American Airlines Vacations (tel. 800/321-2121; www.aavacations.com), Delta Vacations (tel. 800/221-6666; www.deltavacations.com), and United Vacations (tel. 888/854-3899; www.unitedvacations.com). Several big online travel agencies -- Expedia, Travelocity, Orbitz, Site59, and Lastminute.com -- also do a brisk business in packages.

Travel packages are also listed in the travel section of your local Sunday newspaper. Or check ads in the national travel magazines such as Arthur Frommer's Budget Travel Magazine, Travel + Leisure, National Geographic Traveler, and Condé Nast Traveler.

Escorted General-Interest Tours

Escorted tours are structured group tours, with a group leader. The price usually includes everything from airfare to hotels, meals, tours, admission costs, and local transportation.

Despite the fact that escorted tours require big deposits and predetermine hotels, restaurants, and itineraries, many people derive security and peace of mind from the structure they offer. Escorted tours -- whether they're navigated by bus, motorcoach, train, or boat -- let travelers sit back and enjoy the trip without having to drive or worry about details. They take you to the maximum number of sites in the minimum amount of time with the least amount of hassle. They're particularly convenient for people with limited mobility and they can be a great way to make new friends.

On the downside, you'll have little opportunity for serendipitous interactions with locals. The tours can be jam-packed with activities, leaving little room for individual sightseeing, whim, or adventure -- plus they often focus on the heavy traffic sites, so you miss out on many a lesser known gem.

Abercrombie & Kent Private Journeys (tel. 800/554-7016; www.abercrombiekent.com) is U.S.-based and internationally recognized as a luxury travel company. A&K started as an African safari specialist in 1962 and now offers escorted and independent trips to more than 100 countries, including Russia and central and Eastern European nations.

Vega International Travel Service (tel. 800/FLY-THERE [359-8437]; www.vegatravel.net) specializes in travel to Eastern Europe for individuals and corporations. Vega also arranges pilgrimage tours to such popular Catholic shrines as Medjugorje in Bosnia and Czestochowa in Poland.

You can also get recommendations for reputable tour operators with expertise in the area you want to visit from the American Society of Travel Agents (tel. 859/226-4444; www.ntaonline.com).

Discovery on Foot -- Classic Journeys (tel. 800/200-3887; www.classicjourneys.com) is a specialty tour operator that offers unique, upscale escorted vacations to a variety of locations around the world. Their three Eastern Europe excursions run through Croatia's Dalmatian Coast, Istria, and the area from Prague to Budapest. It's up to you to arrange airfare from your home country; the package price is for the in-country experience, though Classic Journeys will help with flight details and extra hotel nights if you ask. The basic fee covers a local guide, first-class hotels, most meals, and all tips, admission fees, tours, and transfers. Tours average 10 people per adventure and the itineraries emphasize culture, history, and walking. We've found that Classic Journeys carefully plans every detail to spare guests unpleasant surprises, but the plan is also flexible in case the group decides there is something they really want to see or do. Classic Journeys can arrange family-oriented experiences or culinary trips, too.

Getting There

Prague, Warsaw, Zagreb, Budapest, and Moscow receive the greatest number of international flights to Eastern Europe. If you're planning to explore the entire region, you might consider starting at one of these gateways and catching connecting flights to less-serviced destinations.

By Plane

While most airports in the Eastern European countries covered in this guide accommodate flights from a variety of international airlines, each welcomes most of its tourists on connecting flights run by its national carriers from major western European hubs. These are:

Bulgaria: Sofia Airport (SOF); Bulgaria Air, tel. +359 2 402 0400, www.air.bg/en.

Croatia: Zagreb Airport (ZAG); Croatia Air, tel. +385 (0) 91 77 312, www.croatiaairlines.com.

Czech Republic: Prague Airport (PRG); Czech Airlines, tel. +420 239 007 007, www.csa.cz/en/portal/homepage/cz_homepage.htm.

Hungary: Budapest Airport (BUD); Malév Hungarian Airlines, tel. +36 1 235 3888, www.malev.com/bp/eng/index.asp.

Poland: Warsaw Frederic Chopin Airport (WAW); LOT Polish Airline, tel. +48 801 703 703, www.lot.com

Romania: Bucharest Henri Coanda/Otopeni Airport (OTP); TAROM Romania Air Transport, tel. +40 021 317 4444, www.tarom.ro/en.

Moscow: Sheremetevo-2 Airport (SVO); Aeroflot, tel. +7 495 223-55-55, www.aeroflot.ru.

Slovakia: Bratislava M.R. Stefánik Airport (BTS); Czech Airlines, tel. +42 (0) 239 007 007, www.csa.cz/en/portal/homepage/cz_homepage.htm.

Slovenia: Ljubljana Airport (LJU); Adria Airways, tel. +386 1 369 10 10, www.adria.si/en/index.cp2.

By Car

Public transportation in Eastern Europe generally is excellent and a good way to cover a lot of territory inexpensively. However, access to a car is a must if you want to see remote attractions or if you don't have time to wait for train or bus connections. If you plan to rent a car, reserve it before you leave home. Rates are lower and you are likely to get a better choice of cars. Look for a weekly rate with unlimited mileage. Expect to pay $50 and up per day for an economy car with manual transmission and unlimited mileage. Often cars at that price point are not air-conditioned or low-mileage models, either. Gas, parking, and insurance are always extra.

Note: Be sure you examine and document any scratches, broken equipment, or interior stains when taking possession of your car. You could be charged for the damage when you return the car if you haven't pointed it out ahead of time and noted it on your contract.

By Train

Train travel in Eastern Europe is comfy, pleasant, and fairly efficient. Almost all major population centers (with the exception of Dubrovnik, Croatia) are linked by rail service. Overnight trains serve a double purpose: They get you to your destination and save the cost of a night in a hotel. If you use this option be sure to ask if you have to make a separate reservation for the berth in addition to the reservation for your transport. The Thomas Cook European Timetable (www.thomascook.com) gives an inclusive listing of train schedules and tells you when you have to book in advance or pay extra for things like a pillow. In general, train travel in Eastern Europe is more expensive than bus travel and sometimes fares are comparable with airfares within the country. Not all countries in Eastern Europe honor rail passes. Hungary is the only country covered in this book that accepts the Eurailpass. However, Bulgaria, the Czech Republic, Romania, and Hungary sell single-country rail passes. Note: Intercountry rail travel is becoming less of a hassle in Eastern Europe as national rail lines are beginning to align their schedules to make connections and border crossings easier. However, you might run into a glitch (and a long layover) unless you do meticulous planning ahead of time. Intracountry travel usually is problem-free.

By Bus

Bus travel is a way of life in all of Europe, including Eastern Europe. Usually international buses are equipped with luxuries such as reclining seats, air-conditioning, and even television. Buses tend to be the best for reaching smaller towns and remote sites, and sometimes they are the only option for reaching mountainous villages and tiny hamlets. You rarely have to reserve a seat in advance, but you can buy a ticket in advance at a main bus station or from the driver when you board. Buses work well for travel between cities in a single country and for access to areas trains can't access. Every major city in Eastern Europe has a well-developed commuter system that involves buses, trams, and sometimes sophisticated metro systems.

Tips on Accommodations

Accommodations in Eastern Europe cover a spectrum as broad as the region is vast.

No matter where you travel in Eastern Europe or what kind of accommodations you plan to use, it is a good idea to make a reservation for your first night in the country well in advance of your arrival.

Camping

Pitching a tent is the least expensive accommodations in Eastern Europe and it is also one of the most popular. Campgrounds can range from a monastery backyard (Brac, Croatia) to an elaborate affair with bungalows, cabins, and amenities like a theater, tennis courts, and gourmet restaurants. Camping facilities are also usually away from any town center, but they often have waterfront property. Some camp facilities are set aside for naturists (read: nudists) and others are geared to people who stay for the entire summer. Reservations are accepted at most campgrounds and the better ones fill up quickly. Depending on the country and campground category, these facilities usually close in the winter months and some are open in July and August (high season) only. It's best to make arrangements ahead of your arrival. Note: In Eastern Europe it is illegal to camp out anyplace but a recognized campground.

Private Accommodations

Eastern Europe's underground economy runs on the private accommodations industry. When booking this option, you'll find everything from a room in an elderly woman's apartment where you share her bathroom with her to a detached multilevel villa on a family estate. It's safest to book a private stay from a local tourist agency, but you will pay a commission. If you use the agency, you also will have the option of inspecting the room and asking for another choice if you don't like it. You also can agree to rent from one of the many "entrepreneurs" who haunt ferry landings and train and bus stations to find guests for their spare rooms. This option is less expensive than an agency-booked place, but you could find that it is inconveniently located or substandard by the time you get there. Almost all private accommodations require cash payment and almost none includes breakfast or any other meals.

Note: If you are staying in a private home in Russia you'll have to pay a rental agency to register your visa with a hotel.

Hostels

Most hostels in Eastern Europe are part of the national Youth Hostel Association (YHA), an arm of Hostelling International (HI; www.iyhf.org), but you don't have to be young to use them. Hostels provide beds in dorm-type rooms, the use of a communal bathroom, and sometimes the use of kitchen facilities. Hostels vary widely in quality and amenities and some even accept reservations.

Hotels

Eastern Europe rates its hotels via the star method, though there is little consistency within the method or within any given country either. A three-star hotel in Slovenia is likely to be much more luxurious and comfortable than a three-star hotel in Bulgaria, for example. Ratings sometimes are ambiguous between cities in the same country, too. However, a few generalizations are possible. Hotels in Eastern Europe almost always include breakfast in the price; single rooms can cost as much as a double because guests are charged by the room, not the number of people (and some hotels do not book "singles"); many hotels require multiday bookings and refuse single-night reservations, especially during high season; and many hotels require that you book an all-inclusive room rate and that you take your meals there.

Agritourism

Farmhouse stays are a growing trend in Eastern Europe. In reality these are just a rural version of private accommodations. Usually you'll be staying on a working farm and staying in rooms that mirror the resident family's rooms. Often you can help feed the animals, take a walk in the fields, and enjoy a huge farmer's breakfast made from the earth's bounty. That sometimes means getting up with the chickens, too.

Note: If you stay on a farm in Eastern Europe, you have to identify yourself to Customs when you return to the U.S. to avoid transport of dangerous bacteria.

For apartment, farmhouse, or cottage stays of 2 weeks or more, Idyll Untours (tel. 888/868-6871; www.untours.com) provides exceptional vacation rentals for a reasonable price -- which includes air/ground transportation, cooking facilities, and on-call support from a local resident. Best of all: Untours -- named the "Most Generous Company in America" by Newman's Own -- donates most profits to provide low-interest loans to underprivileged entrepreneurs around the world (visit website for details).

House Swapping

House swapping is becoming a more popular and viable means of travel; you stay in their place, they stay in yours, and you both get an authentic and personal view of the area, the opposite of the escapist retreat that many hotels offer. Try HomeLink International (www.homelink.org), the largest and oldest home-swapping organization, founded in 1952, with over 11,000 listings worldwide ($75 for a yearly membership). HomeExchange.org ($49.95 for 6,000 listings) and InterVac.com ($68.88 for over 10,000 listings) are also reliable. Many travelers find great housing swaps on Craigslist (www.craigslist.org), too, though the offerings cannot be vetted or vouched for. Swap at your own risk.

When to Go

Eastern Europe sprawls over a huge geographic area with multiple climates that range from Mediterranean to alpine to something that approaches arctic. In general, the tourist season runs from May through September, with the greatest influx of visitors occurring in July and August, especially in coastal areas, where the weather is sunny and dry almost every day. During these 2 months all sites, attractions, and special events operate at full throttle and charge top dollar. July and August are also when rooms are in shortest supply and when crowds can be overwhelming.

Travelers to Eastern Europe have more elbow room in May and June and from September until mid-October. The weather is more temperate and prices are lower than in the summer months, but some attractions, restaurants, and hotels may operate on reduced schedules during this time. Check ahead if something that is a must-see is open or closed.

During the winter months, tourism shifts to Eastern Europe's mountain ranges and metropolitan areas, leaving coastal areas deserted. In fact, many island and seaside attractions are closed altogether from November to April, and even if they aren't, visitors are few.

Eastern Europe's ski season lasts from December to mid-March (longer in Romania) and except for other snow sports enthusiasts, you won't run into many people outside ski resort areas if you're traveling in the mountains.

Eastern Europe's city dwellers tend to hunker down in winter, when the days can be short, cold, and gray and the nights long, colder, and silent. Concerts and theater productions are in full swing in big cities during the winter but they attract mostly locals, unlike the flamboyant outdoor music festivals that seem to go nonstop in the summer months and attract an international crowd.

Each Eastern European country covered in this guide has its own optimal "season."

Holidays, Celebrations & Events

Many of Eastern Europe's holidays and festivals correspond to religious holy days (Catholic and Orthodox) and to national commemorations.

Tips for Women Travelers

Solo women can travel safely in most of Eastern Europe, but like any other solo travelers, they might find it difficult to book any room at a single-room price.

Note: In macho countries like Romania, Bulgaria, and Russia, a woman traveling solo may encounter harassment or other difficulties. In addition, it is not wise for a woman to travel alone at night in these places.

Check out the award-winning website Journeywoman (www.journeywoman.com), a "real-life" women's travel-information network where you can sign up for a free e-mail newsletter and get advice on everything from etiquette and dress to safety; or the travel guide Safety and Security for Women Who Travel by Sheila Swan and Peter Laufer (Travelers' Tales, Inc.), offering common-sense tips on safe travel.

Tips for Travelers with Disabilities

Most disabilities shouldn't stop anyone from traveling, and there are more options and resources available than ever before for travelers with disabilities. However, accommodations for such travelers in Eastern European countries are sporadic at best and usually concentrated in upscale establishments in larger cities.

If disabled access is an issue, it's best to book through a travel agency that caters to those with this concern. Many travel agencies offer customized tours and itineraries for travelers with disabilities. Among them are Flying Wheels Travel (tel. 507/451-5005; www.flyingwheelstravel.com), Access-Able Travel Source (tel. 303/232-2979; www.access-able.com), and Accessible Journeys (tel. 800/846-4537 or 610/521-0339; www.disabilitytravel.com). Avis Rent a Car has an "Avis Access" program that offers such services as a dedicated 24-hour toll-free number (tel. 888/879-4273) for customers with special travel needs; special car features such as swivel seats, spinner knobs, and hand controls; and accessible bus service.

Special-Interest Vacations

Here are a few companies offering activity-specific trips in Eastern Europe.

Globus (tel. 866/755-8581; www.globusjourneys.com) offers vacations to Eastern Europe in a variety of styles. Choose family-oriented, religious pilgrimage, culinary, or other vacation styles from this 75-year-old company.

Smithsonian Journeys (tel. 877/338-8687; www.smithsonianjourneys.org) puts together meticulously researched educational trips designed to maximize the time you spend in the places that command the most interest. Itineraries include "behind-the-scenes" visits that enhance the cultural and educational experience. Tour leaders are often internationally recognized experts in their fields. Smithsonian's Eastern European destinations include Slovenia, Prague, Budapest, Moscow, and St. Petersburg.

The Coordinating Committee for International Voluntary Service (CCIVS) (www.unesco.org/ccivs) is a good place to look for opportunities to immerse yourself in an Eastern European culture and help the people there at the same time. CCIVS helps match aspiring volunteers with organizations that need their help in a country of interest.

Volunteer & Working Trips

Volunteer travel has become increasingly popular among those who want to venture beyond the standard group-tour experience to learn languages, interact with locals, and make a positive difference while on vacation. Volunteer travel usually doesn't require special skills -- just a willingness to work hard -- and programs vary in length from a few days to a number of weeks. Some programs provide free housing and food, but many require volunteers to pay for travel expenses, which can add up quickly.

For general info on volunteer travel, visit www.volunteerabroad.org and www.idealist.org. Before you commit to a volunteer program, it's important to make sure any money you're giving is truly going back to the local community, and that the work you'll be doing will be a good fit for you. Volunteer International (www.volunteerinternational.org) has a helpful list of questions to ask to determine the intentions and the nature of a volunteer program.

Staying Connected

Cellphones

The three letters that define much of the world's wireless capabilities are GSM (Global System for Mobiles), a big, seamless network that makes for easy cross-border cellphone use throughout Europe and dozens of other countries worldwide. In the U.S., T-Mobile, and AT&T Wireless use this quasi-universal system; in Canada, Microcell and some Rogers customers are GSM, and all Europeans and most Australians use GSM.

If your cellphone is on a GSM system, and you have a world-capable multiband phone such as many Blackberry, Motorola, Sony Ericsson, or Samsung models, you can make and receive calls across civilized areas around much of the globe. Just call your wireless operator and ask for "international roaming" to be activated on your account. Unfortunately, per-minute charges can be high -- usually $1 to $1.50 in Western Europe and up to $5 in places like Russia and Indonesia. Be sure you bring your AC charger, a converter, and an adaptor plug and check with your provider to be sure your converter is safe for the phone's delicate electrical circuits. A car charger can be useful, too.

It's handy to buy an "unlocked" world phone from the get-go. Many cellphone operators sell "locked" phones that restrict you from using any removable SIM card other than the one they supply. Having an unlocked phone allows you to install a cheap, prepaid SIM card that you can purchase and use in your destination country. (Show your phone to the salesperson; not all phones work on all networks.) You'll get a local phone number and dramatically lower calling rates.

Getting a locked phone unlocked can be a hassle, but it can be done. Call your cellular provider before you leave and say you'll be going abroad for several months and want to use the phone with a local provider.

For many, renting a phone is a good idea. While you can rent a phone from any number of overseas sites, including kiosks at airports and at car-rental agencies, we suggest renting the phone before you leave home. North Americans can rent one before leaving home from InTouch USA (tel. 800/872-7626; www.intouchglobal.com) or RoadPost (tel. 888/290-1606 or 905/272-5665; www.roadpost.com). InTouch will also, for free, advise you on whether your existing phone will work overseas; simply call tel. 703/222-7161 between 9am and 4pm EST, or go to http://intouchglobal.com/travel.htm.

Buying a phone can be economically attractive, as many nations have cheap prepaid phone systems. Once you arrive at your destination, stop by a local cellphone shop and get the cheapest package; you'll probably pay less than $100 for a phone and a starter calling card. Local calls may be as low as 10¢ per minute, and in many countries incoming calls are free.

Internet & E-Mail

With Your Own Computer -- More and more hotels, cafes, and retailers are signing on as Wi-Fi (wireless fidelity) "hotspots." Mac owners have their own networking technology: Apple AirPort. T-Mobile Hotspot (www.t-mobile.com/hotspot) serves up wireless connections at more than 1,000 Starbucks coffee shops nationwide. Boingo (www.boingo.com) and Wayport (www.wayport.com) have set up networks in airports and high-class hotel lobbies. iPass providers also give you access to a few hundred wireless hotel lobby setups. To locate hot spots that provide free wireless networks in cities worldwide, go to www.personaltelco.net/index.cgi/WirelessCommunities.

For dial-up access, most business-class hotels throughout the world offer dataports for laptop modems, and a few thousand hotels in the U.S. and Europe now offer free high-speed Internet access. In addition, major Internet service providers (ISPs) have local access numbers around the world, allowing you to go online by placing a local call. The iPass network also has dial-up numbers around the world. You'll have to sign up with an iPass provider, who will then tell you how to set up your computer for your destination(s). For a list of iPass providers, go to www.ipass.com and click on "Individuals Buy Now." One solid provider is i2roam (tel. 866/811-6209 or 920/235-0475; www.i2roam.com).

Wherever you go, bring a connection kit of the right power and phone adapters, a spare phone cord, and a spare Ethernet network cable -- or find out whether your hotel supplies them to guests.

Like Western Europe, Eastern Europe is on 240V electrical circuits. You'll need at least one two-pronged adaptor plug and a current converter unless your electronic gear operates on dual voltage (120V and 240V).

Tip: To find public Wi-Fi hotspots wherever you are in Eastern Europe, go to www.jiwire.com; its Hotspot Finder holds the world's largest directory of public wireless hotspots.

Entry Requirements & Customs

Passports

For an up-to-date, country-by-country listing of passport requirements around the world, go to the "Foreign Entry Requirement" Web page of the U.S. State Department at http://travel.state.gov. For children under 14, both parents/legal guardians must consent to the passport application, either in writing or in person. Parents with sole custody must present documentation of their status when applying for a child's passport. Acceptable documentation includes: a court order listing the parent as sole custodian and a court document granting the parent permission to travel with the child, a death certificate for the absent parent, and a certified copy of the child's birth certificate that lists only the parent applying for the child's passport. Ask your airline what's required when you book the ticket. Also check the State Department's Single Parent Travel Forum, which also has a helpful FAQ section at www.singleparenttravel.net.

Getting Your Passport in Order -- Allow plenty of time before your trip to apply for a passport; processing normally takes 3 weeks but can take longer during busy periods (especially spring). And keep in mind that if you need a passport in a hurry, you'll pay a much higher processing fee.

For Residents of Australia: You can pick up an application from your local post office or any branch of Passports Australia, but you must schedule an interview at the passport office to present your application materials. Call the Australian Passport Information Service at tel. 131-232, or visit the government website at www.passports.gov.au.

For Residents of Canada: Passport applications are available at travel agencies throughout Canada or from the central Passport Office, Department of Foreign Affairs and International Trade, Ottawa, ON K1A 0G3 (tel. 800/567-6868; www.ppt.gc.ca).

For Residents of Ireland: You can apply for a 10-year passport at the Passport Office, Setanta Centre, Molesworth Street, Dublin 2 (tel. 01/671-1633; www.irlgov.ie/iveagh). Those under age 18 and over 65 must apply for a 3-year passport. You also can apply at 1A South Mall, Cork (tel. 021/272-525) or at most main post offices.

For Residents of New Zealand: You can pick up a passport application at any New Zealand Passports Office or download it from the website. Contact the Passports Office at tel. 0800/225-050 in New Zealand or 04/474-8100, or log on to www.passports.govt.nz.

For Residents of the United Kingdom: To pick up an application for a standard 10-year passport (5-year passport for children under 16), visit your nearest passport office, major post office, or travel agency; or contact the United Kingdom Passport Service at tel. 0870/521-0410 or search its website at www.ukpa.gov.uk.

For Residents of the United States: Whether you're applying in person or by mail, you can download passport applications from the U.S. State Department website at http://travel.state.gov. To find your regional passport office, either check the U.S. State Department website or call the National Passport Information Center toll-free number (tel. 877/487-2778) for automated information.

Visas

Visitors from the U.S., Canada, Australia, and E.U. countries do not need visas to visit Bulgaria, Croatia, the Czech Republic, Hungary, Poland, Romania, Slovakia, or Slovenia. Visas are required for all visitors entering Russia. Visas for entry to Russia are issued by the Russian embassy or consulate in your home country.

Customs

What You Can Take Home -- U.S. Citizens -- Returning U.S. citizens who have been away for at least 48 hours are allowed to bring back, once every 30 days, $800 worth of merchandise duty-free. You'll pay a flat rate of duty on the next $1,000 worth of purchases. Any dollar amount beyond that is subject to duties at whatever rates apply. On mailed gifts, the duty-free limit is $200. Be sure to keep your receipts or purchases accessible to expedite the declaration process. Note: If you owe duty, you are required to pay on your arrival in the United States -- by cash, personal check, government or traveler's check, or money order (and, in some locations, a Visa or MasterCard).

To avoid paying duty on foreign-made personal items you owned before your trip, bring along a bill of sale, insurance policy, jeweler's appraisal, or receipts of purchase. Or you can register items that can be readily identified by a permanently affixed serial number or marking -- think laptop computers, cameras, and CD players -- with Customs before you leave. Take the items to the nearest Customs office or register them with Customs at the airport from which you're departing. You'll receive, at no cost, a Certificate of Registration, which allows duty-free entry for the life of the item.

With few exceptions, you cannot bring fresh fruits and vegetables into the United States. For specifics on what you can bring back and the corresponding fees, download the invaluable free pamphlet Know Before You Go! online at www.cbp.gov. (Click on "Travel," and then click on "Know Before You Go.") Or contact the U.S. Customs & Border Protection (CBP), 1300 Pennsylvania Ave. NW, Washington, DC 20229 (tel. 877/287-8667) and request the pamphlet.

Canadian Citizens -- Canada allows its citizens a C$750 exemption. Canadians are allowed to bring back duty-free one carton of cigarettes, one can of tobacco, 40 imperial ounces of liquor, and 50 cigars. In addition, they can mail gifts to Canada valued at less than C$60 a day, provided they're unsolicited and don't contain alcohol or tobacco (write on the package "Unsolicited gift, under $60 value"). All valuables should be declared on the Y-38 form before departure from Canada, including serial numbers of valuables you already own, such as expensive foreign cameras. Note: The C$750 exemption can be used only once a year and only after an absence of 7 days.

For a clear summary of Canadian rules, write for the booklet I Declare, issued by the Canada Border Services Agency (tel. 800/461-9999 in Canada, or 204/983-3500; www.cbsa-asfc.gc.ca).

U.K. Citizens -- U.K. citizens returning from a non-E.U. country have a Customs allowance of 200 cigarettes; 50 cigars; 250 grams of smoking tobacco; 2 liters of still table wine; 1 liter of spirits or strong liqueurs (over 22% volume); 2 liters of fortified wine, sparkling wine or other liqueurs; 60cc (ml) perfume; 250cc (ml) of toilet water; and £145 worth of all other goods, including gifts and souvenirs. People under 17 cannot have the tobacco or alcohol allowance.

For information, contact HM Customs & Excise at tel. 0845/010-9000 in the U.K., or 020/8929-0152, or consult the website at www.hmce.gov.uk.

Australian Citizens -- The duty-free allowance in Australia is A$400 or, for those under 18, A$200. Citizens can bring in 250 cigarettes or 250 grams of loose tobacco, and 1,125 milliliters of alcohol. If you're returning with valuables you already own, such as foreign-made cameras, you should file form B263. A helpful brochure available from Australian consulates or Customs offices is Know Before You Go. For more information, call the Australian Customs Service at tel. 1300/363-263, or log on to www.customs.gov.au.

New Zealand Citizens -- The duty-free allowance for New Zealand is NZ$700. Citizens over 17 can bring in 200 cigarettes, 50 cigars, or 250 grams of tobacco (or a mixture of all three if their combined weight doesn't exceed 250 grams); plus 4.5 liters of wine and beer, or 1.125 liters of liquor. New Zealand currency does not carry import or export restrictions. Fill out a certificate of export, listing the valuables you are taking out of the country; that way, you can bring them back without paying duty. Most questions are answered in a free pamphlet available at New Zealand consulates and Customs offices: New Zealand Customs Guide for Travellers, Notice no. 4. For more information, contact New Zealand Customs, the Customhouse, 17-21 Whitmore St., Box 2218, Wellington (tel. 04/473-6099 or 0800/428-786; www.customs.govt.nz).

Tips for Gay and Lesbian Travelers

In the Catholic countries of Eastern Europe (Croatia, Poland, Slovakia, and Slovenia) where religious beliefs repudiate homosexuality, gay and lesbian travelers won't find many establishments that lay out the welcome mat for them. For the most part there is a macho mentality about sexuality in all the countries covered in this guide, and it is a sensibility that is not gay-friendly but not gay-hostile either. Thus, resources for gay and lesbian travelers are few or hidden in these nations. The Czech Republic and Slovenia are the most tolerant of the countries covered in this guide. Note: In one recent instance, a hotel owner on the Croatian island of Hvar attempted to promote a week designed to appeal to gay and lesbian travelers, much to the chagrin of the local townspeople. The event was marred by many local protests. However, some organized tours to Eastern Europe might exist for this group. The International Gay and Lesbian Travel Association (IGLTA; tel. 800/448-8550 or 954/776-2626; www.iglta.org) is the trade association for the gay and lesbian travel industry, and offers an online directory of gay- and lesbian-friendly travel businesses; go to the website and click on "Members."

Many agencies offer tours and travel itineraries specifically for gay and lesbian travelers. Among them are Above and Beyond Tours (tel. 800/397-2681; www.abovebeyondtours.com); Now, Voyager (tel. 800/255-6951; www.nowvoyager.com); and Olivia Cruises & Resorts (tel. 800/631-6277; www.olivia.com).

Gay.com Travel (tel. 800/929-2268 or 415/644-8044; www.gay.com/travel or www.outandabout.com) is an excellent online successor to the popular Out & About print magazine. It provides regularly updated information about gay-owned, -oriented, and -friendly lodging, dining, sightseeing, nightlife, and shopping establishments in every important destination worldwide.

The following travel guides are available at many bookstores, or you can order them from any online bookseller: Frommer's Gay & Lesbian Europe (www.frommers.com), an excellent travel resource to the top European cities and resorts; Spartacus International Gay Guide (Bruno Gmünder Verlag; www.spartacusworld.com/gayguide) and Odysseus: The International Gay Travel Planner (Odysseus Enterprises, Ltd.); and the Damron guides (www.damron.com), with separate, annual books for gay men and lesbians.

Money

Currency

While most of the countries in this guide are in various stages of becoming members of the European Union, Slovenia is the only one that had replaced its local currency with the euro at publication time. Nonetheless, hotel, attraction, and restaurant prices in Eastern European countries have been quoted in both euros and local currency for years, a practice that sometimes confuses tourists. No matter how prices are listed, most establishments will accept payment in the local currency, and you'll get a more favorable conversion rate if you pay with local cash. In addition, countries such as Bulgaria and Romania still are a mostly cash economy, so carrying local currency there is a necessity. Note: Concessions in most Eastern European airports usually accept U.S. dollars and euros as well as local currency, but it's always useful to have the local currency on hand.

If prices in this guide are quoted in the local currency, we provide the conversion rate to U.S. dollars and British pounds; if prices are quoted euros, we provide the conversion rate in U.S. dollars only. For real-time exchange rates of any currency, check www.xe.com/ucc or www.oanda.com.

ATMs

In Eastern European cities, the easiest and best way to get cash away from home is from an ATM (automated teller machine), commonly referred to as a "bancomat" in Eastern Europe. The Cirrus (tel. 800/424-7787; www.mastercard.com) and PLUS (tel. 800/843-7587; www.visa.com) networks span the globe; look at the back of your bank card to see which network you're on, then call or check online for ATM locations at your destination. Be sure you know your personal identification number (PIN) and daily withdrawal limit before you depart. Note: Remember that many banks impose a fee every time you use a card at another bank's ATM, and that fee can be higher for international transactions (up to $5 or more) than for domestic ones (where they're rarely more than $2). In addition, the bank from which you withdraw cash may charge its own fee. For international withdrawal fees, ask your bank. Note: In some rural areas, ATMs may not be available and/or reliable. This is especially true in Bulgaria and Romania.

Credit Cards

Credit cards are another safe way to carry money. They also provide a convenient record of all your expenses, and they generally offer relatively good exchange rates. You can withdraw cash advances from your credit cards at banks or ATMs, provided you know your PIN. Keep in mind that you'll pay interest from the moment of your withdrawal, even if you pay your monthly bills on time. Also, note that many banks now assess a 1% to 3% "transaction fee" on all charges you incur abroad (whether you're using the local currency or your native currency).

Visa, MasterCard, and Diners Club are the cards commonly accepted in hotels and upscale restaurants in the larger cities of Eastern Europe. Establishments in smaller towns and villages usually require payment in cash, but even if they do accept credit cards, they will often offer a discount for cash payments.

Traveler's Checks

You can buy traveler's checks at most banks in the U.S. in denominations of $20, $50, $100, $500, and sometimes $1,000. Generally, you'll pay a service charge ranging from 1% to 5%. However, in most Eastern European countries where mom-and-pop businesses thrive, cash is king and traveler's checks aren't always accepted. Even when they are, a service fee is tacked on them, which makes them a very expensive payment option.

If you want to use traveler's checks despite the drawbacks, you can buy them at almost any bank. American Express offers U.S. dollar denominations of $10, $20, $50, $100, $500, and $1,000 and tacks on service charges ranging from 1% to 4%. By phone, you can buy traveler's checks by calling tel. 800/807-6233. American Express cardholders should dial tel. 800/221-7282; this number accepts collect calls, offers service in several foreign languages, and exempts Amex gold and platinum cardholders from the 1% fee.

Visa offers traveler's checks at Citibank locations nationwide, as well as at several other banks. The service charge ranges between 1.5% and 2%; checks come in denominations of $20, $50, $100, $500, and $1,000. Call tel. 800/732-1322 for information. AAA members can obtain Visa checks for a $9.95 fee (for checks up to $1,500) at most AAA offices or by calling tel. 866/339-3378.

MasterCard also offers traveler's checks. Call tel. 800/223-9920 for a location near you.

American Express, Thomas Cook, Visa, and MasterCard also offer foreign currency traveler's checks, which are useful if you're traveling to one country, or to the euro zone; they're accepted at locations where dollar checks may not be.

If you do choose to carry traveler's checks, keep a record of their serial numbers separate from your checks in the event that they are stolen or lost. You'll get a refund faster if you know the numbers.