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Precautions to take in addition to travel insurance

Whenever you travel, especially overseas, it is essential you take out travel insurance as a precaution against theft, illness or unforeseen problems. However, there are also many precautions you can take yourself to reduce risk before and during your trip.

When planning your trip:

Make sure your passport is valid for the duration of your trip and for three months beyond the date of your return.
Make sure you have valid visas for countries you intend to visit, and also to return to the country where you reside (if you are not a citizen).
Make sure all vaccinations and health requirements are up to date. Take all documents with you including your travel insurance certificate.
Make sure you have enough money for your trip. Don’t take large quantities of cash. Instead use travellers’ cheques or credit cards, and make sure you have with you the emergency contact numbers for these.

Before you leave:

Lock all doors and windows and cancel any deliveries, such as newspapers. Either arrange with the Post Office for your mail to be put on hold, or make sure a relation or neighbour collects your mail regularly.
Leave most of your valuables at home – most travel insurance policies have single article limits.
Make sure you carry any valuables, your passport and your money on your person, or pack them in your hand luggage. Never pack them in your check-in baggage.
Pack a basic first aid kit. If you take prescription drugs, make sure you take the prescription with you and know their generic names. This can avoid problems with customs officials and, if necessary, you can get new supplies.

When you arrive at your destination:

Be aware that health and safety standards are not as stringent in some countries as they are at home. Check the water is fit to drink and that electrical fittings in your room are safe. Don’t eat any food that seems undercooked or of doubtful substance.
Never leave your belongings unattended or with strangers.
Keep your valuables and cash in a safe deposit box or in the hotel safe.

If you are travelling with children or other dependants:

Make sure you know where they are at all times.
Make sure they are aware of the health and safety issues in the destination country, and never to talk to strangers.

In the event you need to make a claim for loss, theft or damage, make sure that you obtain a police report. Insurance companies will require original documents in order to settle your claim. Remember to keep photocopies of all documents.