INSURANCE

"It's essential to take out a good travel insurance policy. Bank and credit cards (particularly American Express) often have certain levels of medical or other insurance included if you use them to pay for your trip. This can be quite comprehensive, anticipating anything from lost or stolen baggage to missed connections. If you have a good ""all risks"" home insurance policy it may well cover your possessions against loss or theft even when overseas, and many private medical schemes also cover you when abroad - make sure you know the procedure and the helpline number.

If you plan to do some hiking, skiing or other adventurous sport - not a very likely prospect in China - you'll probably have to pay an extra premium; check carefully that any insurance policy you are considering will cover you in case of an accident, and includes a 24-hour emergency contact number . When choosing any policy, also establish the level of excess , the initial amount of any claim that you have to pay. In all cases of loss or theft of goods, you need to contact the local police to have a report made out so that your insurer can process the claim. For medical claims , you'll need to provide supporting bills, though more comprehensive policies will arrange for payment for treatment on the spot. Medical emergencies aside, very few insurers will pay out at the time of a major expense or loss; you will usually be reimbursed only after going home. Keep photocopies of everything you send to the insurer and note any time period within which you must lodge claims.

British and Irish cover
In Britain and Ireland , travel insurance schemes (from around ¡ê60 for one month to China, ¡ê100 for three months) are sold by almost every travel agent or bank, and by specialist insurance companies. You'll find different rates and maximum...


US and Canadian cover
Before buying an insurance policy, check that you're not already covered. Canadian provincial health plans typically provide some overseas medical coverage, although they are unlikely to pick up the full tab in the event of a mishap. ...


Australian and New Zealand cover
Travel insurance is available from travel agents or direct from insurance companies. Policies are broadly comparable in premium and coverage: expect to pay around A$150 for one month, A$260 for two months and up to A$350 for three months


Travel Insurance companies
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