Insurance

Before travelling to Bali or Lombok, it is important to take out travel insurance A typical policy provides cover for medical expenses due to illness or mturv loss Or baggage, tickets and - up to a certain limit - cash or cheques, plus cancellation or curtailment of your journey. Most exclude so-called dangerous sport unless an extra premium is paid: m Bali and Lombok, this can mean scubadiving, kayakinq and white-water rafting.

Before buying a policy, check that you're not already covered. Your home-Insurance policy may cover your possessions against loss or theft even when overseas, or you can extend cover through your household-contents insurer. Many charge cards include some form of travel cover, and very limited medi­cal cover is sometimes included if you pay for your trip with a credit card. Many private medical schemes also include cover when abroad. In Canada, provincial health plans usually provide partial cover for medical mis­haps overseas, while holders of official stu­dent/teacher/youth cards in Canada and the US are entitled to meager accident coverage and hospital in-patient benefits. Students may find that their student health cc extends during the vacations and one term beyond the date of last enrollment.

After exhausting the possibilities you might want to contact a specialist insurance company, or consider the travel insurance deal we offerMany policies can be chopped and a to exclude coverage you don't need example, sickness and accident benefits can often be excluded or included at will do take medical coverage, ascertain benefits will be paid as treatment pr or only after return home, and whether 24-hour medical emergency number (which you should carry with you at all times