For British Travelers--Most big travel agents offer their own insurance and will probably try to sell you their package when you book a holiday. Think before you sign. Britains Consumers Association recommends that you insist on seeing the policy and reading the fine print before buying travel insurance. The Association of British Insurers (tel. 0171/600-3333) gives advice by phone and publishes the free Holiday Insurance, a guide to policy provisions and prices. You might also shop around for better deals: Try Columbus Direct (tel. 0171/375-0011; www.columbusdirect.co.uk).
For Canadian Travelers--Canadians should check with their provincial health plan offices or call HealthCanada (tel. 613/957-2991) to find out the extent of their coverage and what documentation and receipts they must take home in case they are treated in the United States.