DRUGS
Many travelers
mistakenly imagine that because of Goa's free and easy reputation,
drug use is legal. But possession of even a tiny amount of cannabis
is a criminal offense, punishable by large fines or prison sentences
of up to ten years or life term. In the past, minor crimes were
usually cleared up on the spot with out-of-court settlements.
These days, you can expect to be relieved of all your cash and
valuables, and required to leave the state within 24 hours,
if you're lucky - the grim of Fort Aguada
prison accommodates several drug peddlers.
TRAVEL
INSURANCE
It
is recommended not to ignore the travel insurance wherever you
travel. In covering medical expenses and emergency flights,
it is also insures your money and belongings against loss or
theft. Flights paid for with a major credit or charge card
offer some automatic cover, but usually only while traveling
to and from your destination. Some package tours, too, many
include insurance, but package operators more commonly offer
an insurance deal as an extra; it might be worth checking against
alternative policies, though difference in price and cover are
likely to be slight.
Always check the fine print of a policy. A 24-hour medical emergency
contact number is a must, and one of the rare policies that
pays your medical bills directly, is far better than one that
reimburses you on your return home. The per article limit for
loss or theft should cover your most valuable possession, but,
conversely, don't pay for cover you don't need, such as too
much baggage or a huge sum for personal liability. Make sure,
too, that you are covered for all the things you intend to do.
Activities like climbing are usually specifically excluded,
but can be added for a supplement.
Frequent travelers may benefit from annual insurance policies,
but these usually put an upper limit on the duration any single
trip, likely to be ninety days at most.
In
UK - Columbus - Tele. No. 0101-375 0011 is about the cheapest,
offering one month's standard cover or for three months. You
may also try through Worldwide Travel Insurance Services Ltd.,
whose policies are sold direct from their head branch - Tele.
No. 01892-833338 or fax 837744. Endsleigh, who sell policies
through most major youth/student travel agent - Tele. No. 0171-436
4451 or 01234-817 711
In US travelers should carefully check their current insurance
policies before taking out a new one. You may discover that
you are already covered for medical and other losses while abroad.
Holders of ISIC cards are entitled to be reimbursed for $3000
worth of accident coverage and sixty days of in-patient benefits
of up to $100 a day for the period the card is valid. If you
do want a specific travel insurance policy, there are numerous
kinds to choose from; short-term combination policies covering
everything from baggage loss or broken legs are the best bet,
you may choose for thirty days, and additional per day for extra
days, will buy you coverage of prepaid airfare and accommodation
expenses of up to $25000, plus $ 10000 primary medical coverage.
Insurance companies you might try include - Travel Guard Tele.No.1-800/826-1300,
website noelgroup.com: Access America International Tele.No.
1-800/284-8300 and Worldwide Assistance Tele.No. 1-800/821-2828.
In
Australia and New Zealand, the airlines and travel agents groups
such as UTAG, at 122 Walker St, North Sydney, put travel insurance
together. Tele.No.02/9956 8399, toll-free Tele.No. 1800/809
462: Cover-More, at 32 Walker St, Sydney. Tele.No.02/9202 8000,
toll-free Tele.No. 1800/251 881: and Ready Plan, 141-147 Walker
St, Victoria Tele.No. 1300/555 017 or 63 Albert St, Auckland
Tele.No. 09/379 3208. Most adventure sports are covered, but
are advisable to check you policy first.
MAKING
A INSURANCE CLAIM
If you need to make a claim, you must have a police report in
the case of theft or loss. Your policy document will include
the relevant form, which should be taken to the nearest police
post to be signed and stamped as soon after the loss as possible.
Claims
for medical expenses require supporting evidence of treatment
in the form of bills, through with some policies, doctors and
hospitals will be able to bill your insurers direct. Keep photocopies
of everything you sent to the insurer and don't allow months
to elapse before informing them. Write immediately and tell
them what's happened; you can usually claim later.