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Cheaper policies are fine for the important health aspect, but don't expect to have your US0 camera/laptop, a dive or any previous medical condition covered.Conversely even on more expensive policies, don't expect your US

Cheaper policies are fine for the important health aspect, but don't expect to have your US$500 camera/laptop, a dive or any previous medical condition covered.Conversely even on more expensive policies, don't expect your US$1,000 camera/laptop to be fully covered unless you have made special measures for it.One recommended and well-known insurance company is Columbus (sorry no USA), but new companies are always coming onto the scene like the excellent Globelink or Atlas. Overall the market is competitive with many providers trying to under-cut others, however sadly too few compare policies.One such newer start-up that comes well recommended from several e-mailed comments and personal experience is World Nomads.With all policies make sure you read the small print.No company is perfect and competitive terms often come with loop-holes and coverage black-spots.allow you to insure yourself for extra lengths of time if you don't know how long your trip will be when you first take out the policy).

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Cheaper policies are fine for the important health aspect, but don't expect to have your US$500 camera/laptop, a dive or any previous medical condition covered.

Conversely even on more expensive policies, don't expect your US$1,000 camera/laptop to be fully covered unless you have made special measures for it.

One recommended and well-known insurance company is Columbus (sorry no USA), but new companies are always coming onto the scene like the excellent Globelink or Atlas. Overall the market is competitive with many providers trying to under-cut others, however sadly too few compare policies.

One such newer start-up that comes well recommended from several e-mailed comments and personal experience is World Nomads.

With all policies make sure you read the small print.

,000 camera/laptop to be fully covered unless you have made special measures for it.One recommended and well-known insurance company is Columbus (sorry no USA), but new companies are always coming onto the scene like the excellent Globelink or Atlas. Overall the market is competitive with many providers trying to under-cut others, however sadly too few compare policies.One such newer start-up that comes well recommended from several e-mailed comments and personal experience is World Nomads.With all policies make sure you read the small print.No company is perfect and competitive terms often come with loop-holes and coverage black-spots.allow you to insure yourself for extra lengths of time if you don't know how long your trip will be when you first take out the policy).

Only a few companies can give you cover on-line while you are away (i.e.

Read, understand, gain confidence and moreover pay for what you actually needed before you go, not what a message of worry tries and sells you.

It goes without saying that you'll need insurance, but it's not something you should be sorting at the last minute as policies vary significantly, start coving you immediately for pre-trip problems and you need to spend a little time reading small print and making sure you don't overpay. Just Google the words and you'll find thousands of results. For example, check if cash and indeed any of your valuables are covered - which they are often not on cheap policies - and how much the excess is that you may need to pay before you get anything back.

Good insurance with loads of coverage is normally quite expensive: again the cheaper policies will not cover personal possessions, only medical costs (and with plenty of exceptions).

If you do have one or a number of valuable items, such as a top-of-the-line camera and lens(es), it can make more sense to not even try to have them covered on normal travel insurance and instead go for a specialist (camera) insurer, often with better terms and prices.

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