For medical treatment and drugs, keep all the bills and you'll be able to claim the money back later. If you have anything stolen jincluding money), register the loss immediately with the local police without their report you won't be able to claim. US AND CANADIAN CITIZENS 11 и в ASICS In the US and Canada, insurance tends to be much more expensive, and may offer medical cover only. Before buying a policy, check that you're not already covered by existing insurance plans. Canadians are usually covered by their provincial health plans; holders of ISIC cards and some other student cards are entitled to $3000 worth of accident coverage and sixty days ($100 per diem] of hospital inpatient benefits for the period during which the card is valid. Students will often find that their student health coverage extends through the vacations and for one term beyond the date of last enrolment. Bank and charge accounts (particularly American Express] often have certain levels of medical or other insurance included, and travel insurance may also be included if you use a major credit or charge card to pay for your trip. Homeowners' or renters' insurance often covers theft or loss of documents, money and valuables while overseas, though conditions and maximum amounts vary from company to company. Only after exhausting the possibilities above might you want to contact a specialist travel insurance company; your travel agent can usually recommend one. Travel insurance policies are quite comprehensive, anticipating everything from charter companies going bankrupt to delayed or lost baggage, by way of sundry illnesses and accidents. Premiums vary widely, from the very reasonable ones offered primarily through student agencies {STA's policies range from about $5070 for 15 days to $500 700 for a year, depending on the amount of financial cover), to those so expensive that the cost for anything more than two months of cover will probably equal the cost of the worst possible combination of disasters. Note also that very few insurers can make onthespot payments in the even of a majore expense or loss; you will usually be reimbursed only after going home. None of these policies insures against theft of anything while overseas. (Americans have been easy pickings for foreign thieves a combination of naivety on the part of the former, and an all Americansarerich attitude among the latter and companies were going broke paying claims.) North American travel policies apply only to items lost from, or damaged in, the custody of an identifiable, responsible third party such as a hotel porter, airline, or luggage consignment. Even in these cases you will have to contact the local police to have a complete report made out for your insurer. If you are travelling via London it might be better to take out a British policy (though making any claim may prove more complicated).