• Most international travelers are inadequately or inappropriately informed about travel health matters and approximately one traveler in four will experience at least one illness while abroad.*
• Motor vehicle accidents are an even greater hazard abroad than they are at home, and constitute the most important threat to the health and well being of the international traveler.**
• In trauma cases, such as heart attack, you need to act quickly and efficiently to save a life.
  If you purchase travel insurance, you will have access to immediate medical assistance, to certified physicians and hospitals anywhere in the world.

Pre-existing condition coverage varies by product. Some of our products provide pre-existing coverage if you purchase the insurance within 15 calendar days of your initial trip payment. The amount of Trip Cancellation coverage purchased must equal the full cost of all prepaid non-refundable Trip arrangements. The cost of any subsequent arrangement(s) added to the same Trip must be insured within 15 days of the date of payment or deposit for any subsequent Trip arrangement(s). Failure to do so may affect the pre-existing medical condition waiver; 3. All Insured's must be medically able to travel when you pay your plan cost.

• Realize that no matter how familiar or comfortable an area might feel, you are not at home and you should therefore remain vigilant.
• Know where you are going at all times.
• Do your homework by reading guidebooks and studying maps before your trip.
• Leave expensive jewelry and expensive-looking jewelry at home.
• Do not carry valuables, even in a backpack or locked luggage.
• Put valuables in the hotel safe.
• Wear a money belt, concealed under your clothing.
• Do not flaunt wallets, purses, cell phones or cameras.
• Avoid unlit places and walking alone. Stick to well-traveled streets and stay in groups at night.
• Be cautious when in a new city – know the safe areas.
• Learn the customs of the country you are visiting.
• Keep in touch with the current political situations by listening daily to the television or radio, if available.
• When in large cities and other popular tourist destinations, generally avoid places frequented by North Americans such as bars, discos, US-owned fast food restaurants, branches of US banks, American churches, US businesses and offices and US consulates and embassies.
• Be as inconspicuous in dress and demeanor as possible. Wear moderate colors and conservative clothing. Avoid American logos on your belongings and clothing.
• Avoid large, loud groups.
• Keep away from political demonstrations, particularly those directed towards the US.
• Do not agree to newspaper or other media interviews regarding political conflicts.