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Travel insurance is extremely important, so make sure you get one that will supply adequate cover. There are a host of things that you will need to be covered for, and some will be specific to the country you are going to or the type of work you will be doing. Remember to discuss the purpose of your travels with the insurance company as to avoid any conflict if you find yourself in a situation where you need to make a claim.
What your travel insurance should cover:
Health and medical cover for any injury or sudden illness contracted abroad.
24 hour emergency service and assistance.
Personal liability cover - in case you are sued for causing damage to property or injury of another person.
Cover for lost and stolen possessions.
Extra cover for activities that may not be included in standard policies. This will depend on what field you will be volunteering in and what activities you will persue after your volunteering in case you stay in the country for a holiday.
Make sure that the policy will cover your whole stay - some policies will only cover you for X months.
Personal accidents.
Legal expenses.
While you are there, remember that a lot of policies will not cover alcohol or drug related incidents and that you must take reasonable care of your possessions whilst there or your policy may not cover you.
You may also want to take out a policy for:
Legal expenses, which will cover expenses should you wish to claim compensation due to damages or personal injury.
Lost baggage on flights - it is not normally advisable to rely on airlines to compensate you should they lose your luggage. By law they only have to pay a specified minimum value per kilo of lost luggage.
Check your credit card protection (on the VISA/Mastercard/Other website)
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