Travel Insurance Buyer’s Tips

Travel Assistance Explained

What is Travel Assistance?

 

Travel assistance is a term used worldwide, often related to medical emergency services when traveling. Although sometimes used interchangeably with the term travel insurance, the benefits you receive with a travel assistance program are different.

Travel Assistance Programs

 

Travel assistance programs usually cover the costs associated with travel concierge, emergency medical, and travel security assistance. Many plans do not require deductibles or claim forms, and coverage usually goes into effect once the traveler is at least 100 miles or more away from home.

Travel Assistance is a Necessary Investment 

 

Travel assistance programs have grown in popularity, primarily for emergency medical evacuations. However, security evacuations are becoming even more valuable to consumers for mishaps such as disasters, political unrest, criminal violence, and pandemic threats. Furthermore, the lack of emergency response services in travel insurance plans has now made travel assistance a necessary investment for many.

CAP™ Travel Assistance Plans offer a wide array of emergency medical, travel concierge, travel security, and travel tracking benefits.

See What CAP Travel Assistance Plans Include >

Travel Insurance Changes due to Covid-19? Travel Fearlessly with CAP™

Travel Insurance Will Undoubtedly Change in a Post-Pandemic World

The COVID-19 outbreak has turned the travel industry on its head, especially for the players that sell travel insurance.

Existing policies may be revised to include certain wording surrounding pandemics that will impact a traveler’s coverage in the future. When this global pandemic ends, travelers will likely be required to review new policies, restrictions, and terms to ensure they have adequate insurance protection for their future travels.

The Sudden Disappearance of Travel Insurance Products

One of the most surprising developments is that many providers have refrained from selling traditional travel insurance entirely.

Many travel insurance products are no longer being offered, and consumers could be left with minimal options. Policies often hinge on travel restrictions and advisories that could void a consumer’s coverage completely. With the World Health Organization labeling the coronavirus as a global pandemic, the conditions that void traditional travel insurance products have likely been met. With these complications, some companies are not even offering traveling insurance.

Many governments have implemented travel advisories, closed their borders, and issued warnings for travelers to refrain from all non-essential travel, complicating insurance protection until the pandemic is over.

For the consumer that has purchased a specific travel insurance product before, they are best to speak directly with a qualified/licensed insurance advisor to clarify that the same product is still available, or that the coverage isn’t voided.

Expect New Limitations for Travel Insurance

With governments restricting international travel or issuing travel advisories to specific countries, an insurance policy that allows a consumer to ‘cancel for any reason’ could potentially be a thing of the past. In order for traditional travel insurance to offer these types of policies, consumers would have to pay significantly more.

The COVID-19 pandemic has proven that insurers are quite vulnerable to unexpected catastrophic events, and the policy that extends what traditional travel insurance offers will likely change, or come with certain limitations. This could include anything related to the timing of purchasing the policy, travel advisories, when the claim is filed, along with a long list of other factors.

Once this global pandemic concludes, the canceling for any reason option could look vastly different or be non-existent. Expect existing policies to change dramatically, include new verbiage surrounding pandemics, natural disasters, and other perils.

How CAP™ Travel Assistance Plans Aren’t Changing

Thankfully for many consumers, travel assistance plans offered by CAP™ are not budging after this pandemic. While the travel insurance industry is expected to experience huge changes, CAP™ Travel Assistance Plans will continue to offer crisis incident benefits that speak to the needs of the post-COVID-19 global traveler.

CAP™ Travel Plans respond to medical, security, terrorism, and natural disaster/pandemic incidents that can occur while traveling abroad. Consumers can experience fully funded response and repatriation with an enhanced service offering above and beyond that of traditional travel insurance.

Learn more about the offerings of CAP™ and travel the world fearlessly!

Travelers with Pre-Existing Medical Conditions

Many consumers might be wondering what exactly a pre-existing medical condition is when it comes to travel insurance. The fine print in your insurance coverage will outline this information, but it is often overlooked. If you do not completely understand what your coverage entails, you could be left to pay thousands in medical assistance fees if you experience a sudden injury or illness. Here’s what you need to know:

Defining a Pre-Existing Medical Condition

medical travel insurance policy could state that a pre-existing medical condition could be any minor ailment that is unstable 90 days leading up to where your coverage begins. This could include any heart condition, lung or respiratory condition, or cancer in which the traveler has received treatment for 90 days before coverage begins.

Limitations of Travel Insurance Coverage

Travel insurance has played an important role in the safety of many travelers across the globe; however, those who wish to purchase travel insurance with pre-existing medical conditions will be subject to eligibility conditions, questionnaires, limitations, or complete exclusion from coverage.

Why Your Age Matters

According to many policies, a pre-existing medical condition is usually divided into two categories – one set of conditions for those 59 years and under, and another for those over the age of 60.

Challenges for Travelers Over the Age of 60

For those over the age of 60, the conditions tied with travel insurance are even more complicated. Instead of 90 days, a pre-existing medical condition could impact your coverage if symptoms are present 180 days before coverage begins. In either case, consumers are strongly encouraged to understand the terms of their travel insurance and what exactly they entail.

About the CAP™ Travel Assistance Plan

CAP™ is an international travel assistance plan that provides travelers with medical and security travel assistance benefits that include relocation and evacuation services for mishaps that include but are not limited to natural disasters, pandemic outbreaks, political unrest, and terrorism.

All CAP™ Plans come standard with premium travel concierge benefits and complimentary travel assistance technology enhancements, including a free travel assistance app with travel tracking and emergency response features for compatible Android and iPhone devices.

Get a free quote learn more about what a CAP™ Plan can do for you.

What Travelers Need to Know About Medical Repatriations

The Challenges Patients and Providers May Face During Medical Repatriations 

If you or a loved one is considering medical repatriation, you are likely to have some questions about the process. If you’ve experienced a traumatic injury or illness while traveling, you may need to be transferred to a medical facility capable of providing appropriate medical care, or you may just want to get back to your home country to obtain proper treatment. Here’s what you need to know:

What’s Included With the Medical Repatriation

Depending on a patient’s needs, medical repatriation could include the services of a flight nurse. These professionals monitor the patient throughout the entire flight to ensure their wellbeing from the treating hospital to the receiving facility. These types of flights can also include ventilators, IVs, and the ability to accommodate a stretcher.

Medical Repatriation from Foreign Hospitals

There are times when a foreign hospital is not adequately equipped to address your condition, or your travel insurance won’t cover complicated services abroad. In these cases, you will need to be repatriated via air ambulance back to your home country.

Language barriers can often complicate the repatriation process. Coordinating the entire effort might require a translator to work directly with the treating hospital, including staff and doctors, to accurately complete the process. Service providers typically work directly with translators to ensure the process goes as smoothly as possible, certify that the patient is receiving the correct level of treatment and care from where they originated, to where they land.

Medical Repatriating to a Specific Destination  

The destination facility is selected based upon many criteria. Repatriation providers will work with you to determine the best possible facility to receive the patient. Patient and family preference is considered, but your travel insurance coverage could dictate the receiving location, or not offer repatriation services at all. Travel insurance may only cover repatriation to the closest healthcare facility capable of providing appropriate care or require you to foot the bill yourself.

Travel Insurance Coverage for Medical Repatriation

Your plan will determine if the repatriation is covered. Certain policies do not include these services, and you or your family might have to pay for the services required. Every plan is different, and it is vital to understand the coverage you are purchasing before you leave your home country.

Your condition, where you are located, and the services you need will play an important role in whether repatriation will be covered by travel insurance.

About the CAP™ Travel Assistance Plan

CAP™ is an international travel assistance plan with travel medicaltravel securitytravel concierge and travel tracking benefits that include repatriation, relocation and evacuation services for mishaps like pandemic outbreaks, natural disasters, criminal violence and so much more.

All CAP™ Plans come with a free travel assistance app that offers GPS-enhanced tracking, emergency response, a list of vetted medical and dental facilities, and communication capabilities for compatible Android and iPhone devices.

Visit the website for a free quote or to learn more about what a CAP™ Plan can do for you.

Will the Coronavirus Impact Your Travel Insurance?

Considering Cancelling Your Trip? Don’t Assume You Will Be Reimbursed

Many travelers are having second thoughts about their travel arrangements due to the continued spread of the Coronavirus. Consumers who have purchased travel insurance might be considering canceling their travel plans for fears that they could catch the virus and bring it back home.

For those who have purchased traditional travel insurance, they might believe that any sort of cancellation will be reimbursed by their insurer. The unfortunate fact is that travelers might be surprised that their traditional travel insurance may be unwilling to offer reimbursement, leaving them on the hook for their canceled trip.

Coronavirus Fears Could Complicate Travel Insurance

With each passing day, it is evident that this virus should not be taken lightly. Many countries like Canada and the United States have advised against all non-essential travel to China, and there have been unfortunate incidents of quarantines that have left North Americans stranded on cruise ships for weeks.

The truth is that the virus has been spreading to other parts of the globe, causing great concern for those who have planned trips to places like Japan, Iran, and India.

Understand Trip Cancellation Policies Before Buying Travel Insurance

Travelers should use caution and do their own research if they are planning to travel. If you are considering canceling your trip, do not assume that your travel insurance will cover the costs of a canceled trip, even if you have purchased travel insurance that includes trip cancellation.

Traditional travel insurance comes with a long list of terms and conditions that are included in the fine print. Even trip cancellation insurance comes with conditions that many consumers do not fully understand, or don’t bother to read. Some trip cancellation policies might outline in the fine print that a trip will be reimbursed if you fall ill before the trip, preventing you from traveling.

Further, certain trip cancellation policies won’t reimburse you if you decide to cancel a trip for fear that you will contract an illness. If a travel advisory has not been issued to the country that you are visiting, and you cancel out of fear, your travel insurance could potentially refuse to reimburse your trip. The wording in the fine print of your travel insurance policy is key, and an important aspect to understand prior to purchasing.

Go Beyond Traditional Travel Insurance With CAP™

Travelers are encouraged to read the fine print of the travel insurance product they are purchasing and have a complete understanding of what their coverage entails. Some policies might have what is called a “cancel for any reason”, also referred to as a “CFAR” policy, meaning that a consumer can cancel for a fear of contracting a virus. A CFAR is an optional travel insurance benefit that should be considered when purchasing a traditional trip cancellation travel insurance policy. Adding a CFAR will certainly help you recoup your investment, but it will do little to address medical mishaps that occur during a trip.

CAP is a travel assistance plan offering specialized travel medical benefits in the event you experience a medical mishap during your trip.

Customers traveling in areas directly impacted by the Coronavirus that purchased CAP prior to the World Health Organization (WHO) declaring a global health emergency, would be eligible for assistance, up to and including evacuation for no additional costs.

Customers that purchase CAP™ for travel destinations not previously impacted by the Coronavirus, but became impacted during a qualifying period of travel (like suddenly being quarantined on a cruise ship) would be eligible for assistance, up to and including evacuation for no additional costs, once the customer(s) is cleared from quarantined status.

Take advantage of CAP travel assistance plans and learn how you can save yourself tens of thousands of dollars in the event you experience a medical emergency during travel. Get a quote online today.

Travel Insurance Benefits May Not Be Enough During The Coronavirus Outbreak

8 Travel Assistance Benefits You Can Access During The Coronavirus Outbreak

CAP™ benefits associated with responding to and supporting customers impacted by the Coronavirus include:

  1. Destination-based travel risk intelligence is provided to travelers via web, SMS, email and in-app alerts throughout their journey.
  2. 24/7 on-demand advice on how to minimize and mitigate exposure when traveling within an impacted area.
  3. Advice on how to control movement, shelter in place and evacuate the affected area if possible.
  4. Access to interpreters to facilitate communications between customers and local personnel.
  5. Emergency message transmission to employers and loved ones regarding the status of customers directly impacted by the virus during travel.
  6. Coordination and liaison with host and home government entities to assist in facilitating the safe movement of customers in affected zones.
  7. In-direct medical assessments with local medical personnel that interact with customers directly impacted by the virus.
  8. Evacuate customers in impacted areas that are not under quarantine and/or symptomatic.

Customers traveling in areas directly impacted by the Coronavirus that purchased CAP™ prior to the WHO declaring a global health emergency, would be eligible for assistance, up to and including evacuation for no additional costs.

Customers that purchased CAP™ for travel destinations not previously impacted by the Coronavirus, but became impacted during a qualifying period of travel (i.e., vacationing on a cruise ship that has no confirmed cases of Coronavirus, but suddenly undergoes a quarantined status, due to a person becoming symptomatic during the course of the cruise), would also be eligible for assistance, up to and including evacuation for no additional costs, once the customer(s) was cleared from quarantined status.

CAP™ customers who willingly travel to a destination directly impacted by the Coronavirus, after the WHO has declared a global health emergency and the host and/or home government has warned against ALL travel to the impacted area(s) would not be eligible for fully funded assistance.

Learn more about CAP.

What Some Travel Insurance Policies Do Not Cover

Exclusions and Conditions Could Result in Travel Insurance Benefits Not Being Paid Out

Travel insurance is a must for any vacation or business traveler. However, many consumers don’t realize their coverage can sometimes come with a long list of exceptions and details that could result in their benefits not being paid in the event of an injury, or worse, death. Much of these exceptions are overlooked, as consumers fail to read through all the fine print of their coverage or misunderstand what their coverage entails.

Many travel insurance plans offer thousands of dollars of coverage and have proven to be beneficial for many travelers. However, when a traveler learns that their emergency can’t be resolved with their insurance, their vacation and/or business trip could become a nightmare.

Consider Your Pre-Existing Health Conditions When Purchasing Travel Insurance

A traveler’s pre-existing health condition can exclude the payment of benefits in travel insurance plans. Those traveling with pre-existing heart conditions, lung or respiratory conditions,aneurysm, or cancer prior to their travel date might be surprised to learn that these conditions could void their coverage. Depending on the insurance plan, costs incurred due to these pre-existing conditions would not be covered.

Alcohol Use Can Complicate Travel Insurance

Some plans include fine print outlining that benefits are not payable for loss, injury or death if the traveler was under the influence of drugs or alcohol, or any other intoxicant, failed to comply with prescribed treatment or therapy or misused a medication.

Adventure travelers might also be surprised to learn that their benefits are not payable if the injury is a result of extreme sports, including motorized contests, high-risk activities, stunts, professional sports, mountain climbing, and in some instances, rock climbing.

Benefits could also not be payable when a traveler’s home country issues a travel warning to a specific country, and the injury or sickness is a result of the reasons outlined in the travel warning. This could cover a wide range of instances when travel insurance coverage is voided, including war, kidnapping, nuclear incidents, and acts of terrorism.

Find Resolutions to Your Travel Insurance Needs

The CAP Travel Assistance Plan (CAP™) powered by FocusPoint International is an affordable, elite travel assistance plan with a comprehensive benefit structure that includes a wide assortment of industry-leading emergency medical travel assistance benefits. We are proud to offer best-in-class crisis response, evacuation and travel security assistance service, all available for one inexpensive plan fee.

CAP™ is offered by some of the world’s leading airline operators and travel agencies and is now available to purchase online for individuals and families looking to fill the frequently overlooked gaps in their travel insurance policy. Travel mishaps like natural disasters, terrorism, and sometimes criminal violence are not covered by traditional travel insurance. Visit us online to get a complimentary quote and learn more about what CAP™ can do for you.

Taken For A Ride: M.D. Injured In ATV Crash Gets $56,603 Bill For Air Ambulance Trip

Credit:
www.npr.org All Things Considered
https://twitter.com/npratc

Source:
https://www.npr.org/sections/health-shots/2018/09/25/647531500/taken-for-a-ride-doctor-injured-in-atv-crash-gets-56-6 03-bill-for-air-ambulance

It was the first — and only — time Dr. Naveed Khan, a 35-year-old radiologist, ever rode in an all-terrain vehicle.

Khan took the wheel from his friend and drove circles in the sand, on a trail along the Red River in Texas.

“As soon as I turned to the side where my body weight was, this two-seater vehicle … just tilted toward the side and toppled,” Khan recalled. It landed on his left arm.

“I had about a 6-inch-wide exposed flesh gap that I could see below, on my forearm,” he said. “And I could see muscle. I could see the fat. I could see the skin. The blood was pooling around it.”

Khan, feeling lightheaded, tied his jacket around his arm like a tourniquet. He and his friend managed to right the ATV, drive back toward the street and call 911.

When an ambulance delivered him to the emergency room at United Regional Health Care System in Wichita Falls, Khan was surprised to hear a doctor murmur that it was the worst arm injury he’d ever seen.

Khan needed immediate helicopter transport to a trauma center for surgery in Fort Worth, if there was any hope of saving the arm.

Groggy from painkillers, Khan managed to ask the doctors how much the flight would cost and whether it would be covered by his insurer. “I think they told my friend, ‘He needs to stop asking questions. He needs to get on that helicopter. He doesn’t realize how serious this injury is,’ ” Khan recalled.

Flown 108 miles to John Peter Smith Hospital in Fort Worth, the closest Level I trauma center, Khan was whisked into surgery to clean out the wound, repair his shattered bones and get blood flowing to the tissue.

He had a total of eight operations to try to save his left forearm before he finally gave up. After weeks in the hospital, he asked the doctors to amputate, so he could get on with his life.

And then the bill came.

Patient: Naveed Khan, 35, a radiologist and married father of three young children in Southlake, Texas.

Total bill: $56,603 for an air ambulance flight. Blue Cross Blue Shield of Texas, Khan’s insurer, paid $11,972, after initially refusing altogether; the medevac company billed Khan for the remaining $44,631.

Service provider: Air Evac Lifeteam, an air ambulance company that operates 130 bases in 15 states. It’s owned by Air Medical Group Holdings, a holding company that owns four other air ambulance companies and one ground ambulance company. Air Medical, in turn, is owned by the giant private equity firm Kohlberg Kravis Roberts.

Medical service: Khan was flown from the United Regional Health Care System in Wichita Falls, Texas, to the John Peter Smith Hospital in Fort Worth.

What gives: Khan got his first call from Air Evac Lifeteam just three days after the accident, while he was still lying in the hospital. A company representative told him the helicopter ride would most likely cost more than $50,000 and asked him how he planned to pay.

For Khan, rapid transportation to the trauma center was essential since the blood supply to his arm had been cut off, said Dr. Rajesh Gandhi, the medical director for trauma services at JPS Hospital.

“If there’s no blood going that means there’s no oxygen,” he said. “It there’s no oxygen, that means those cells are going to die.” Minutes are precious and the helicopter can get from Wichita Falls to Fort Worth in an hour or less, half the time it takes by ground ambulance, he said.

But complaints about sky-high bills to patients for air ambulance services are common. Since launching the “Bill of the Month” series in February, NPR and Kaiser Health News have received more than a dozen bills from patients like Khan who were charged tens of thousands of dollars for an air ambulance ride even after insurers’ payments.

Air ambulance companies defend their charges.

Rick Sherlock, president of the Association of Air Medical Services, a trade group, said air ambulances require a more highly trained crew than a ground ambulance, because only the sickest or most seriously injured patients need air transport.

AAMS commissioned a study to determine the actual cost of a medevac ride. The report found it takes about $2.9 million a year to run a single helicopter base. Each base handles about 300 transports a year, and the rides cost about $11,000 each, according to the report.

A spokeswoman for Air Evac Lifeteam said the company bills people so much because it is trying to make up for what she said are meager payments from Medicare and Medicaid.

“Our real cost per flight is the $10,200 plus the unreimbursed cost on each flight for Medicare, Medicaid and patients without any coverage,” wrote Shelly Schneider, the company spokeswoman.

The Centers for Medicare & Medicaid Services said it pays an average of $4,624 per ride, plus $31.67 a mile, which works out to an average Medicare reimbursement of $6,556 for helicopter ambulance rides for seniors. Medicaid in most states pays less.

The industry has been advocating hard to get Medicare to boost its reimbursements, Sherlock said. There are bills pending in both the House and Senate that would do so, but there hasn’t been much movement on them.

But others say the industry’s cost estimates are inflated by profit-driven expansion of a lucrative industry. Ground ambulances often carry critically ill patients, too.

Too many air ambulances sit idle much of the time, said Dr. Ira Blumen, a professor of emergency medicine at the University of Chicago and medical director of the university’s Aeromedical Network.

Blumen said the industry — which is dominated by a few companies owned by private equity firms — expanded dramatically in 2002, the last time Medicare boosted its payments. And now there are too many helicopters — 908 as of last year — fighting for patients and profits at the same time.

“The number of helicopters is outrageous for the continental United States,” he said. In the 1990s, most helicopters ran more than 500 flights per year on average. At that rate, the cost per flight today would be less than $6,000.

A BCBS of Texas spokesman said the insurer does have a contracted rate with an in-network air ambulance company, but it is not Air Evac Lifeteam. After initially refusing to pay anything for an out-of-network claim, it agreed to the $11,972 payment.

But in some sense, the reason ambulance companies charge so much is simply that they can: Air ambulances are largely regulated not as health care but as part of the aviation industry. Federal laws prevent states from limiting aviation rates, routes and services.

So many people have been hit with shockingly high air ambulance bills that members of Congress on both sides of the aisle are trying to do something about it. Legislation to reauthorize funding for the Federal Aviation Administration that is moving through Congress now would create a council of industry experts to address balance billing and other issues and set up a complaint line for consumers.

Resolution: Khan has allowed Air Evac Lifeteam to negotiate with BCBS of Texas over the remaining $44,000-plus air ambulance bill. The company has asked him to appeal to the state’s Department of Insurance, and though he first balked at the suggestion, he is now considering doing so. Khan said he doesn’t understand why the helicopter flight, which was an integral part of the emergency medical care he received, is treated differently from his surgeries, nursing care and physical therapy.

“I thought that this was another piece of that puzzle,” he said. “It turns out that this was glaringly different.”

He is waiting for resolution as he gets accustomed to life with his disability. Holding his baby son, he asked in frustration: “How do I hold him while he’s crying and at the same time heat up his bottle?”

Khan, who has had to fight with his insurance company to get coverage for a prosthetic arm, was frustrated when he learns that the air ambulance company expects him to pay far more than the actual cost of his flight.

“It’s unfair,” he said. “It’s random; it’s arbitrary. It’s whatever price they want to set. And to put that onto a person who’s already been through what I’ve been through, I hate to say it, but it’s cruel.”

The takeaway: Most people with health problems serious enough to require a helicopter flight are in no position to ask whether the medevac company is in-network or there’s a choice. But if you or a family member has time to ask, it could pay off.

If you’re faced with a huge bill for a medevac ride, there are a few steps you should take.

First, let your insurer’s process play out. BCBS of Texas first denied Khan’s claim altogether. But he looked closely at his policy and saw that the threat of loss of limb was explicitly covered. He appealed, and that’s when the insurer paid $11,972.

Second, negotiate! The air ambulance company might be willing to negotiate a settlement for a fraction of the bill to avoid turning to debt collectors, who would pay them pennies on the dollar.

Both Sherlock of the Association of Air Medical Services and Schneider of Air Evac Lifeteam said companies will try to determine what a patient can afford. So people with high incomes may find it hard to obtain a substantial reduction for their bill. Still, if patients know the true cost of the service they received, they may be better equipped to negotiate a discount.

Many air ambulance companies offer membership plans that can cost less than $100 a year and guarantee that the company will accept whatever payment an insurance company makes without billing the patient for the rest. But buyer, beware: When people need an air ambulance, they are often not in a position to choose which company will respond to the call.

The CAP Travel Assistance Plan

Travel Tips for Luxury and Budget Travel

Make the Most of These Tips During Your Next Budget Travel Adventure or Luxury Vacation

There is a long list of ways to stay safe during budget travel or your luxury adventure. As a tourist in a foreign place, you stand out to many thieves who will target you for robberies and scams. Regardless of whether you are traveling on a budget, there are many simple ways to stay safe while you travel abroad, allowing you to focus on enjoying your time away from home.

Pack Your Bags Accordingly During Budget Travel

How you pack your bags could avoid potential disaster during your travels. While there are endless backpacks available with specialized locks and fabrics, it might prove to be more effective to pack two different bags. Consider leaving your valuables like cameras and laptops in a small backpack that you can lock away in your hotel or hostel, and then carry a separate backpack of the necessities you need for the day. If you put everything in one single bag and it ends up lost or stolen, you’ll lose not just your clothing, but also your valuables.

In busy places, swing your backpack in front of you so it can’t be tampered with from behind without you knowing. The same goes for wallets and back pockets – they are vulnerable to pickpocketing especially in hectic places like central stations or popular tourist attractions.

Further to that point, having backups of your travel documents and itineraries stored in an email or cloud service could save many headaches if you are robbed. Photocopies of important travel documents saved to an online external service could save you endless time and money.

Dress Appropriately Throughout Budget Travel

Tourists often wear patches showing off their country of origin on their luggage or jackets. While the intent is to showcase some pride of where they are from, these identify you as a tourist and make you vulnerable to theft or violent crime. Your best bet is to try and blend in with the locals, wearing clothes that don’t identify you as a tourist.

Also, consider refraining from wearing flashy jewelry and limiting the amount of cash you carry in your wallet. Some ATM fees may tempt you to take out large sums of money but doing so puts you at a huge risk. If you must carry large amounts of cash, keep a limited amount in your wallet, and have the remainder stowed away in a backpack or safe in your hotel.

Gain Peace of Mind and Travel Fearlessly with CAP™

Whether you are a luxury or budget traveler, the Cap Travel Assistance Membership plan (CAP™) is the perfect inexpensive travel assistance solution that addresses the emergency medical and security needs of travelers beyond the benefits offered in most traditional travel insurance policies.

Visit us online to get a complimentary quote and learn more about what CAP™ can do for you.