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The man was traveling to Andorra and Botswana and needed coverage in the worst way.

Andrew P. was like the Sir Richard Burton of Littlefield, Ohio, except that he wore a trench coat and a glass eye like Colombo. He traveled every chance he could, especially internationally. But his wife Morticia, herself actually an actuary, insisted that he get travel medical insurance this time.

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“I’m not going to spend two months worrying while you’re gone,” she said in her shrill Arkansas twang that Andrew had long found annoying.

Andrew had gone to several California Health Insurance agents already. A few carried medical plans for travel, even worldwide plans, but there were always exceptions relating to the coverage in the fine print. One agent covered travel to Europe, but not to Africa during the same excursion. Andrew needed both continents in his itinerary. He was in search of fossilized giant earwig remains. He’d already been to the most likely hunting ground, Saint Helena Island in the South Atlantic, but hadn’t found as much as a single carapace during that marvelous journey.

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It was only by fortuitous chance that he stumbled upon Matt’s California Health Insurance Services as a walk-in, just a few weeks before he was to embark on this latest journey.

Matt Lockard swiftly sized up the walk-in customer with the disheveled “scientific researcher” cast to his red-bearded angular face, and knew almost immediately what he wanted. “Travel insurance, a worldwide medical plan. You’re going on a trip,” he guessed astutely, “to Botswana and Yemen.”

“Wrong,” corrected Andrew P., world traveler, “Botswana and Andorra.”

“Need a plan?” Matt queried after being properly chastened.

“You betcha,” replied Andrew, with a glimmer of happiness in his left eye.

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When you are travelling outside your home country, your current health insurance plan may not cover hospital expenses if you need medical attention. In many cases, your health insurance will only cover you in the country you purchased it, be it the US or elsewhere. If you want to have protection against foreign medical expenses, you should consider a travel health insurance policy. Travel Health Insurance covers the worldwide traveler for unexpected accidents or illnesses while visiting a foreign country. Travel health insurance is smart choice to be prepared in case of an emergency.

If you are using a travel agent to help you plan your trip, they can help you find the right travel health insurance plan. Many travel health insurance plans will cover more than just your health. Several travel health insurance plans will also include such benefits as emergency evacuation, lost baggage, trip delays and more. If you are not using a travel agent, there are several travel health insurance agents online where you can compare prices and plans.

Some people enjoy more adventurous vacations with activities that could be potentially dangerous. Kayaking, horseback riding, skiing, paragliding… The list goes on. We all want to try new things that we have never done before while on vacation because it’s adventurous. If you plan to partake in one of these activities, optional hazardous sports rider are available for the adventurous traveler. Check for this extra coverage while shopping for your travel health insurance plan. Often you will find that these more adventurous activities will be considered armature sports and not covered on a regular travel health insurance policy without the hazardous sports rider for travelers.

Many vacationers have saved their hard earned money for months and months to go on their dream vacation. Of course you want everything to go smoothly, but, unforeseen circumstances may force you cancel of your travel plans. Or you may find that while on vacation you need to cut your trip short due to an emergency back home. To protect yourself against this type of lose you should look into Trip Cancelation Insurance and/or Trip Interruption insurance. Benefits provide for cancelled trip, unexpectedly cutting a trip short, travel delays, baggage delays, emergency medical evacuation and more.

Vacations are a time to feel stress free, adventurous and to see new places and try new things. They are not a time to be careless or reckless with your financial stability. Be smart, protect yourself from an unexpected loss with travel health insurance and trip cancelation insurance.