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A typical travel
insurance policy usually provides cover for the loss of baggage,
tickets and - up to a certain limit - cash or checks, as well as
cancellation or curtailment of your journey. Most of them exclude
so-called dangerous sports unless an extra premium is paid: in
Brazil this can mean scuba diving and trekking, though probably not
jeep trips.
Read the small print and benefits tables of prospective policies
carefully; coverage can vary wildly for roughly similar premiums.
Many policies can be chopped and changed to exclude coverage you
don't need - for example, sickness and accident benefits can often
be excluded or included at will. If you do take medical coverage,
ascertain whether benefits will be paid as treatment proceeds or
only after return home, and whether there is a 24-hour medical
emergency number. When securing baggage cover, make sure that the
per-article limit - typically under £500 equivalent - will cover
your most valuable possession. If you need to make a claim, you
should keep receipts for medicines and medical treatment, and in the
event you have anything stolen you must obtain an official statement
from the police (at special tourist police stations or with the
civil police).
Bank and credit cards often have certain leels of medical or other
insurance included, and you may automatically get travel insurance
if you use a major credit card to pay for your trip. If you have a
good all-risks home insurance policy it may cover your possessions
against loss or theft even when overseas. Many private medical
schemes such as BUPA or PPP also offer coverage plans for abroad,
including baggage loss, cancellation or curtailment and cash
replacement as well as sickness or accident. |
Americans and Canadians should also check that they're not already
covered. Canadian provincial health plans usually provide partial
cover for medical mishaps overseas. Holders of official
student/teacher/youth cards are entitled to meager accident coverage
and hospital in-patient benefits. Students will often find that
their student health coverage extends during the vacations and for
one term beyond the date of last enrolment. Homeowners' or renters'
insurance often covers theft or loss of documents, money and
valuables while overseas, though conditions and maximum amounts vary
from company to company.
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Brazil
guide
Brazil
Where To Go
Weather
Average temperatures
Getting there
visas,
consulates
Insurances
travelers with disabilities
Costs, Money And Banks
Getting Around
Eating And Drinking
Street foods, snacks
Restaurants
vegetarian /natural
Soft drinks, hot drinks
traveling with
Kids
Robberies, hold ups, drugs
Women travelers
Gays and
lesbian
Best of Brazil
Health,
vaccinations
Info and
maps
Media
Holidays
-Carnaval
-World
Cup, Festas Juninas
Soccer, football
-Going
to a football match
-Football
teams, clubs, shirts
Nature and
Amazon
Brazilian
music
-Bossa nova
-Bahian
sound
-Contemporary
singers, musicians
-Brazilian
rhythms
-Discography
-Lie
and recording
Rio de Janeiro
guide
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