Travel insurance, SIM card

Get travel insurance, it's essential...

Never travel overseas without travel insurance from a reliable insurer, with at least £1m or preferably £5m medical cover.  It should also cover cancellation and loss of cash (up to a limit) and belongings.  An annual multi-trip policy is usually cheaper than several single-trip policies even for just 2 or 3 trips a year (I have an annual policy myself).  Here are some suggested insurers.  Seat61 gets a small commission if you buy through these links.

If you live in the UK, get quotes from Columbus Direct or Go Travel Insurance, or go to Confused.com to run a price comparison on a whole range of travel insurance providers for your dates of travel, seeing their policy's features at a glance..

         If you're resident in Australia, New Zealand, Ireland or the EU, try Columbus Direct's other websites.

    If you're resident in the USA or Canada, try Travel Guard USA.

Get a spare credit card, designed for foreign travel with no currency exchange loading & low or no ATM fees...

It costs nothing to take out an extra credit card.  If you keep it in a different part of your luggage so you're not left stranded if your wallet gets stolen, this is a form of extra travel insurance in itself.  In addition, some credit cards are significantly better for overseas travel than others.  Martin Lewis's www.moneysavingexpert.com/travel/cheap-travel-moneyexplains which UK credit cards have the lowest currency exchange commission loadings when you buy something overseas, and the lowest cash withdrawal fees when you use an ATM abroad.  Taking this advice can save you quite a lot on each trip compared to using your normal high-street bank credit card!  You can save money on ATM charges and exchange rates using a Caxton FX euro currency Visa Card, or indeed the multi-currency 'Global Traveller' Visa Card, find out about these cards & sign up here.

Get an international SIM card...

Mobile phones can cost a fortune to use abroad, and if you're not careful you can return home to find some huge bills waiting for you.  I've known people run up a £1,000 bill in data charges just by leaving their iPhone connected during a simple trip to Europe.  However, if you buy a global SIM card for your mobile phone from a company such as www.Go-Sim.com you can slash the cost by up to 85% and limit any damage to the amount you have pre-paid.  It cuts call costs in 175 countries worldwide, and you can receive incoming calls and texts for free in 75 countries.  It's pay-as-you-go, so no nasty bills when you get home.  It also works for laptop or PDA data access.  A Go-Sim account and any credit on it doesn't expire if it's not between trips, unlike some others, so a Go-Sim phone number becomes your 'global phone number' for life.