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“Hope for the best, prepare for the worst” is a well-known, yet rarely followed axiom.  Many international travelers invest in travel insurance for protection from unforeseen problems like sickness, injury, lost or stolen luggage, sudden illness, or other risks. On the front end, you can protect yourself from some medical calamities by making sure your vaccinations are up-to-date and carrying all medications, insurance information, doctor’s prescriptions, and correction lenses in your carry-on luggage. While most travel insurance policies cost about 5%-7% of your trip it is far cheaper than the cost of being transported out of Nepal for a medical emergency, which,without insurance, may cost tens of thousands dollars. Before leaving your home country, make sure your health insurance cover you for medical expenses abroad. If not, you should consider purchasing traveler’s insurance.

Another problem traveler’s encounter is lost luggage or stolen property, which can ruin a vacation. A good travel insurance plan will help you navigate through this type of crisis. Traveler’s insurance policy should give you peace of mind, when considering a travel insurance investigate how it covers:

• medical and health cover for an injury or sudden illness abroad
• 24 hour emergency service and assistance
• personal liability cover in case you’re sued for causing injury or damaging property
• lost and stolen possessions cover
• cancellation or cutting your trip short

Here are links to some excellent websites for additional information on traveler’s insurance.

MD Travel Health provides an excellent overview of preparing to travel to Nepal, and includes information on travel insurance. http://www.mdtravelhealth.com/destinations/asia/nepal.html#1

United States Department of State has general information on your health and traveling abroad, and is filled with links for trip preparation and tips for senior and disabled travelers.
http://travel.state.gov/travel/tips/tips_1232.html#health

British Foreign and Commonwealth Office has advice on choosing travel insurance, this a great resource.
http://www.fco.gov.uk/en/travelling-and-living-overseas/staying-safe/travel-insurance/