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TRAVEL INSURANCE 2

Most health insurance policies cover you if you get sick away from homebut check, particularly if you're insured by an HMO. With the exception of certain HMOs and Medicare/Medicaid, your medical insurance should cover medical treatment-even hospital care-overseas. However, most outof-country hospitals make you pay your bills up front, and send you a refund after you've returned home and filed the necessary paperwork. Members of Blue Cross/Blue Shield can now use their cards at select hospitals in most major cities worldwide ( 800/810-BLUE or for a list of hospitals).
Some credit cards (American Express and certain gold and platinum Visa and MasterC;ards, for example) offer automatic flight insurance against death or dismemberment in case of an airplane crash if you charged the cost of your ticket.
If you require additional insurance, try one of the following companies:
• MEDEX International, 9515 Deereco Rd., Timonium, MD 21093-5375 (~JC 888/MEDEX-00 or 410/453-6300; fax 410/4536301; )
• Travel Assistance International (C~C 800/821-2828), 9200 Keystone Crossing, Suite 300, Indianapolis, IN 46240 (for general information on services, call the company's Worldwide Assistance Services, Inc., at t 800777-8710).
• Only for diving destinations: The Divers Alert Network (DAN) (CC 800/446-2671 or 919/684818 1; ).

The cost of travel medical insurance varies widely. Check your existing policies before you buy additional coverage. Also, check to see if your medical insurance covers you for emergency medical evacuation: If you have to buy a one-way same-day ticket home and forfeit your nonrefundable round-trip ticket, you may be out big bucks.On domestic flights, checked baggage is covered up to $2,500 per ticketed passenger. On international flights (including U.S. portions of international trips), baggage is limited to approximately $9.05 per pound, up to approximately $635 per checked bag. (f you plan to check items more valuable than the standard liabiliry, you may purchase "excess valuation" coverage from the airline, up to $5,000. Be sure to take any valuables or irreplaceable items with you in your carry-on luggage. If you file a lost luggage claim, be prepared to answer detailed questions about the contents of your baggage, and be sure to file a claim immediately, as most airlines enforce a 21-day deadline.
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