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Travel Insurance – A Must-Have For International Travelers

Travelling is one activity that every individual must undertake at one time or the other; it does not matter what the purpose of travel is, or whether the travel is local or international. A lot of people actually look forward to travelling to other parts of the world for various reasons and purposes, including but not limited to business, tourism, vacation, pilgrimage, education and for medical attention.

The euphoria to travel outside of one’s domain usually comes with a lot of preparations, and more often than not, a great deal of resources are deployed to ensure that the travel is actually takes place; and these include acquisition of an international passport, medical tests (where applicable), expensive visa processing fees, flight booking and hotel reservation.

A lot of people will do anything and everything just to actualise their international travel ambition. And to be very candid here, international travel is actually fun and something to look forward to. Travelling, especially international travels, is a form of education for the travellers as they have an opportunity to see new environments, meet new people, and learn how things are done elsewhere.

International travel affords the traveller a lot of opportunities irrespective of their original purpose of travel. These include business opportunities, educational opportunities, employment opportunities and even marital opportunities. Unfortunately, however, it is only these and many other opportunities that these (would-be) travellers see. They seem to be ignorant or care less about risks that are embedded in international travels, so they don’t take any steps towards mitigating such risks.

At this juncture, you may be tempted to ask the question: “What are those risks that are associated with international travels?” Very good question. Just read on, as most of those risks are discussed in the following paragraphs.

Risks Associated with International Travels

As interesting, fun, enjoyable, profitable and educative as international travels may be, they also come with their own downsides – the risks – just as every other thing in life. And very fortunately for travellers, most of these risks can be transferred to professional travel insurance providers, by way of buying a travel insurance – also referred to as “travel health insurance” or “travel medical insurance”.

These international travel risks are many and varied, and they include, but not limited to:

  • Sudden illness in the country of destination requiring urgent medical attention and/or hospitalization.
  • Involvement in an accident leading to bodily injuries, temporary or permanent disability, or death
  • Loss of checked-in baggage
  • Loss of valuable items such as international passport, drivers’ licence, national identity card, etc.
  • Personal liabilities abroad
  • Emergency dental cases
  • Hijacking
  • Arrest by law enforcement agencies requiring bail and legal defence

Another question that may be asked at this juncture is: “Do travel insurance policies cover all the above-mentioned risks?” And the answer is a big YES, and so much more.

Covers and Benefits Provided by Major Travel Insurance Policies

Below is a list of most of the covers and benefits provided by travel insurance policies – depending on the providers. So the next time you buy a travel insurance policy, look out for these covers and benefits.

  • Medical Expenses and hospitalization abroad
  • Emergency Medical Evacuation
  • Repatriation after treatment
  • Emergency dental care
  • Repatriation of family member travelling with the insured
  • Travel of one Immediate Family Member
  • Emergency Return Home following Death of Close Relative
  • Repatriation of Mortal Remains
  • Medical Assistance
  • Legal Assistance
  • Pre-Departure Services
  • International General Assistance
  • Abroad Information Assistance about lost Luggage and Passport,
  • Delivery of Medicines
  • Legal Defence
  • Advance of Bail Bond
  • Hijacking in means of Public Transport
  • Loss of Passport, driving license, national identity card abroad
  • Compensation for in-flight loss of checked-in baggage
  • Compensation for delay in the arrival of luggage
  • Delayed Departure
  • Location and forwarding of baggage and personal effects.
  • Accidental Death
  • Permanent Disability
  • Personal Civil Liability
  • Trip Cancellation Expenses

Risks Not Covered By Travel Insurance Policies

Having talked about the covers and benefits afforded by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:

  • Participation in criminal acts, or as a result of his/her fraudulent, seriously negligent or reckless actions including those actions of the Insured in a state of derangement or under psychiatric treatment costs for which are themselves excluded;
  • Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any extraordinary atmospheric, meteorological, seismic or geological phenomenon any other type of natural disaster;
  • Events arising from terrorism, mutiny or crowd disturbances;
  • Events or actions of the Armed Forces or Security Forces in peacetime;
  • Wars, with or without prior declaration, and any conflicts or international interventions using force or duress or military operations of whatever type.
  • Participation in bets, challenges or brawls, save in the case of legitimate defence or necessity;
  • Pre-existing Illness or injuries
  • Participation in competitions, sports, and preparatory or training tests;
  • Motor racing or motorcycle racing, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous;
  • Participation in competitions or tournaments organised by sporting federations or similar organisations.
  • Hazardous winter and/or summer sports such as skiing and/or similar sports.
  • Work-related accidents
  • Internationally and locally recognized epidemics.
  • Illnesses or injuries arising from chronic ailments or from those that existed prior to the inception date of the policy;
  • Death or injuries as a result of suicide or attempted suicide or any self-inflicted injuries.
  • Illness, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines acquired without medical prescription, as well as any kind of mental illness or mental imbalance;
  • Illness or injuries caused by pregnancy and childbirth or any complication therefore or voluntary termination of pregnancy;

Where to Buy Travel Insurances

Travel insurances can be bought online – and there are many travel insurance providers to buy from. All you need to do is locate your preferred provider, and complete the online form or questionnaire, and make your payment, and policy is made available to you for immediate printing or sent to your email address.

You can also buy travel insurance offline from a local insurance company or travel agency. whatever method of purchase you choose, you can rest assured that you will be fully protected against insurable gravel insurance risks.

Using Your Travel Insurance

After you have bought your travel insurance policy, whether it is self-purchased using the provider’s online portal, at a travel agency or through a local insurance company, you should make sure that you do not forget to take the document with you while travelling. This is so important because you may be required to produce that document by relevant bodies.

You should take particular note of your policy number (if possible copy the number somewhere else) as it will be required by the service providers to property identify you when you call them for assistance.

Another thing you should take note of on your travel insurance certificate or policy document is the Assistance Company’s telephone numbers that you need to call when you need help. These numbers are always conspicuously written on the travel insurance document – so take note of them.

You should endeavor to read as much of the document as possible so as to understand the covers provided, the terms and conditions of the policy as well as its exclusions. And very importantly, when making a claim on your policy, be honest and avoid every form of fraudulent practices.

Summary and Conclusion

There are other benefits that travel insurance policies provide which cannot be exhaustively discussed here. But having read the few benefits discussed above, you will agree that really, Travel Insurance is a must-have for a successful trip. So the next time you are planning an international travel, make the purchase of a travel insurance a top priority. It is quite affordable, and anyone can buy it. The peace of mind and the protection it will afford you are enormous.

Travel Insurance Options for Traveling Abroad

Travel insurance is just one of things that are necessary when traveling abroad. Travel insurance can be a very practical solution to providing protection for unexpected emergencies while traveling. This type of insurance protects your investment and allows individuals to travel with peace of mind. There are several options available for going abroad depending on the length and type of trip. Travelers can easily compare plans from leading providers, receive quotes and purchase a plan instantly. Travel insurance can insure against unexpected illness, injury, employment loss, luggage loss and more.

It can provide coverage for Trip Cancellation and Trip Interruption. This insurance provides coverage due to unforeseen illnesses or death. Pre-departure trip cancellation insurance provides protection in the event of the traveler having to cancel flight or hotel reservations due to an immediate member of the family’s death or illness or other covered events. Trip interruption insurance provides benefits if the traveler is unable to continue the covered trip after departure due to covered events. As an option, there are companies that also provide policies that cover cancellation for any reason.

Another option available for travelers insurance is for medical emergencies. This type is beneficial particularly when visiting abroad. Insurance for medical emergencies will provide coverage for doctor visits, medication and even evacuation for medical emergencies. This is particularly important for individuals with chronic conditions or those traveling to underdeveloped countries. Travelers may also have the option of insurance that will provide coverage for tickets that are not refundable and the trip has to be cancelled. Some insurance will even cover missed flights, which can be, a life saver due to delays and overcrowding.

Baggage protection is another type of insurance available. This type of insurance covers direct loss, theft, and damage of your luggage during the covered trip. Travel Accident Protection is another insurance choice that is available. This type of insurance provides coverage for accidental death and dismemberment. This type of insurance provides protection if the traveler is injured in an accident and suffer a loss while covered under this type of plan. A comprehensive travel insurance plan is a great option and a very popular choice for vacationing abroad. This option can provide a wide range of insurance coverage and may even allow travelers to choose what options to incorporate which is why it such a popular choice.

There are several types of companies that offer insurance for travelers. Most travelers prefer to purchase this insurance directly from travel insurance agencies or companies. It is also offered by most companies that offer tours as they generally offer insurance to their clients. Major cruise lines as well offer the option to purchase travel insurance. Cruise line operators usually offer a host of plans to travelers when they schedule a cruise. Travelers can purchase insurance from a travel agent which is very convenient to purchase travel and insurance in one place.

Once you think about the high price of travel and the low price of insurance, this type of insurance is a very reasonable investment. There are plenty of things to worry about when traveling but by protecting your vacation plans with affordable traveling insurance, unforeseen events do not have to be one of them. Since it is not possible to foresee what may happen during travel, a insurance plan is a great value. Travel insurance can slash your losses in numerous situations.

Is Travel Insurance Necessary When Travelling Abroad?

Travel insurance provides an easy way to insure against trip cancellations, trip interruptions, emergency evacuation, accidental death and loss or damage to baggage or personal effects. Millions of dollars are wasted each year by travelers who purchase unnecessary travel insurance or travel assistance policies. Taking care in purchasing any travel insurance or travel assistance policies is a prerequisite although these products may be valuable to some travelers only in limited circumstances.

Buy only the insurance you need. Frequently, several types of insurance are bundled together and sold as comprehensive travel insurance. Make sure you purchase what you need only after reviewing this chapter and doing comparison shopping among several travel insurance policies

Decide on the type of travel insurance after analyzing the type of coverage you already possess. Specific consideration of following facts is required. While you are traveling, provision of liability and personal property protection can be provided by home owner’s or rental’s insurance policy.

Do check the specific limitations and exclusions of the policy even if there is a probability of your health insurance providing you with some coverage. Your automobile insurance policy can also provide cover for a car on rent which is being used by you. In some cases your credit card can offer some protection when you rent a car or if you want to cancel or change your flight.

You can opt for excess or secondary coverage through many travel insurance policies. If any other coverage can be applied to the loss first, such as homeowner’s insurance in case of theft of your personal property, then it means that the travel insurance will provide coverage only for amounts which are not paid by the primary insurance like deductibles. Few of the travel insurance policies offer primary coverage, which is most useful when your own coverage is insufficient or has a very high deductible. Premium for excess coverage is generally low as compared to premium for primary coverage.

A major problem with travel insurance is that most policies contain a number of exclusions and travelers often don’t learn about the exclusions until they try to use the coverage. At the time of reviewing a travel insurance policy you should check the exclusions and definitions carefully to determine how much protection your policy is really offering. Since there are losses which are not covered by any other insurance which you may already have, therefore trip cancellation and trip interruption insurance are probably considered the most important types of travel insurance.

In terms of protection, trip cancellation and trip interruption insurance are different although you cannot deny the fact that they are closely related. Now you can be insured and be sure of getting your money back in case you plan to cancel your trip, by opting for the trip cancellation insurance before you travel. Trip interruption insurance helps you by providing cover during your trip and reimbursing certain expenses if you cut short or change your trip. Since the exact terms of the policy may vary but the answer to validity of trip cancellation insurance for reimbursing you for nonrefundable and prepaid trip expenses lies in following three things. Your travel companion or you may have to give immediate attention to a situation or if you are in a spot which forces you to abandon your trip though arrangements have been booked. Trip cancellation insurance is applicable before your departure.

After you purchase your trip cancellation insurance, you should make sure that you are covered by the insurance policy when you move from your home to your departure point. In the same manner, trip cancellation policies expire when there is possibility of occurrence of last time crisis. If you purchase cancellation insurance, make sure you are covered during the entire period of time before your departure.

Travel Insurance

Planning your annual holiday trip is important to most of us as it is the time when we take time to look after ourselves after working hard all year long. Some of us travel more frequently and whether you are planning a single trip or have more than one holiday per year you will probably want to make sure you have adequate travel insurance cover in the unfortunate event that you need to make a claim against your travel insurance.

Unfortunately many people often forget to buy travel insurance before they go on holiday and it is not until you run into problems that you realize how important it would have been to have obtained a travel insurance policy in the first place. The main reason people forget to buy travel insurance is because it can take a lot of time and effort to find the right travel insurance policy and that coupled with arranging the holiday itself either puts people off or travel insurance becomes an oversight. Besides who wants to think about insurance when they are planning a holiday?

Insurance is not the most exciting thing we can occupy our time with but it does offer peace of mind and is a great help to us when we need it most therefore anyone considering traveling should make insurance a priority especially if you and your family are traveling together. Besides, children are often covered for free if they are dependents of the policy holder and are under 18 years of age.

One way of overcoming the boring task of buying travel insurance is to buy a single premium policy or annual travel insurance which allows you to take many holidays which are all covered by one insurance policy. There are always different levels of cover and it is important to check with your travel insurer to find out what length of holiday your insurance policy will cover. For instance, if you are going away for 6 weeks and your annual travel policy on covers vacations of up to 3 or 4 weeks duration, you will find yourself uninsured which will leave you high and dry. Most travel insurance companies will offer up to 4 options for the duration of trip and it is important that you select the most appropriate option for yourself.

Another advantage of annual travel insurance is that if you enjoy winter sports, you can ask your insurer if they have a winter sports option so you will be covered for those holiday trips as well. There will generally be an additional premium for this but when you bear in mind that winter sports do have a higher risk of injury associated with them, then you will begin to understand the sense in taking out the winter sports option.

Another point to consider when taking out a travel insurance policy is what exclusions and excesses apply. Many travel insurers have a blanket exclusion to cover acts of terrorism. It is worth checking with your insurer what their position on this is prior to purchasing your travel insurance policy. Also the compulsory excess may vary from insurer to insurer. This may affect the travel insurance premium you are quoted when obtaining an insurance quote. Remember, in the event of a travel insurance claim, you will be expected to pay the excess so it is worthwhile considering if this is acceptable to you. The best thing to do is obtain a number of travel insurance quotes especially if you are thinking of buying an annual travel insurance single premium policy. Then compare what each insurer offers so you know which one offers you the best deal.

Travel Insurance FAQ

Travel Insurance is an essential part of any trip and is something that should not be put aside. Most soon-to-be travelers usually have heard about travel insurance, but might not know the specific reasons why they need travel insurance. This is an important article about frequently asked questions for travel insurance. This article also provides a link for further reading about travel insurance.

What is travel insurance protection?

Travel insurance is a type of insurance that covers you financial for any losses or illness that may unfortunate occur while you is on your trip. Travel insurance can be bought for international or national (within your country) trips.

Why should I buy travel insurance?

Since travel insurance protects you while traveling, this will help and provide the necessary protection you will need in the occurrence of a unfortunate event. Any individual traveling anywhere without travel insurance will be in a dangerous situation if an accident occur.

What is the coverage for travel insurance?

Travel insurance should provide coverage for medical cost, transportation to a medical facility, and reimburse you for certain or some nonrefundable costs due to a interrupted trip, and financial loss of funds.

How much does travel insurance cost?

How much the cost of your travel insurance will be depends on your insurance company provider and their policy. The cost of travel insurance usually will range up to 12 percent of the cost of your vacation/trip.

Is travel insurance really important and how many people actually get paid for their claims?

Travel insurance is highly recommended, there are usually about 10% of people who file claims. Sometimes some travelers make have taken a overly expensive trip that they would have to pay out of their own money if they have not bought travel insurance.

What is the medical care coverage?

When there is a case of illness or serious injury, medical transportation to an appropriate medical facility, and medical treatment will be covered. You should also have coverage for if it is deem necessary to bring you back home.

Does travel insurance cover business trips?

This will depend on the insurance company. Most insurance companies will provide travel insurance for a business trip, but the coverage may be separate from the standard coverage.

How long will travel insurance provide coverage for me?

You can often buy travel insurance starting from as little as two weeks, up to a year. Different insurance companies may vary with their service of coverage.

When is the best time to buy travel insurance coverage?

The best time to buy travel insurance is as soon as possible before you go on your trip or vacation. You want your travel insurance active during your whole trip.

What will happen if my money is lost or stolen?

If you can not receive traveler checks replacements many insurance companies provide a service where a travel agent can arrange a money transfer or traveler check for you to receive. You will have to ask more about this to your travel insurance provider.

The Basics of Travel Insurance

Life is full of unexpected events- this is the basic principle which drives the insurance industry. One doesn’t really know what will happen next year, next month even tomorrow. Life is especially more riskier for people who frequently travel, and a travel insurance can really be a good thing to have. It will at least leave something for oneself, one’s family and loved ones in the case of unfortunate events during traveling.

One might be skeptical in getting travel insurance simply because he thinks that it is a waste of money which can be used for something more urgent or important. However, we can never really say what will happen and it’s good to be insured. In the events such as accidents, trip cancellations and lost luggage, travel insurance policies can really be handy. Getting travel insurance is the first step that should be taken when planning a trip.

Types of Travel Insurance Policies

Travel insurance is availed by people who are concerned about the events that may unfold during a trip. It’s not a sign of paranoia, it’s a mere sign that one faces the reality that he doesn’t control his life and the events that may happen.

-Package

Travel insurance packages are usually designed to cover single trips. This type of insurance policy is very ideal for tours, cruises, air trips, renting vacation homes, whether they are for business or personal traveling in foreign or domestic areas.

These travel insurance packages are usually pre-bundled by the insurance companies and they provide travel coverage such as: cancellation of trips, interruption of flights, delays of travel, lost of baggage and personal effects, delay of baggage, emergency evacuation, assistance for travelers and medical expenses. One can also avail optional policies which will cover accidental deaths.

These packages are usually rated against three factors: one’s age during application, the cost of one’s trip and the duration of the trip.

-Medical

Travel insurance plans can also be designed to cover one’s medical expenses if needed during the trip. There are also group health insurance plans which can be availed by a group. However, most of the insurance plans available today will only cover medical expenses in trips which are done inside the “coverage areas.” It’s best to be able to ask the insurance provider regarding these things before availing a medical travel insurance policy.

-Accidental death during flight

Many insurance providers give accidental flight death insurance as a part of their insurance policies. Sometimes, they give it as an option.

Listed below are some tips on how one can go about availing quality and suitable travel insurance policies for his trips.

1. Before getting a new travel insurance policy, one should double check his existing insurance policies. There might be some coverage with regards to traveling in the existing policies that one possess and it would be a waste of money to pay for something that has already been covered.

2. Know what’s the best type of insurance is best for the trip. Getting a travel insurance is really dependent on the situation of the destination and the other factors that come into play such as one’s age and health conditions.

3. Know the policy. One should know whether things like international coverage, emergency evacuation, accidental death, remains repatriation and family travel insurance are covered by the policy..

These are some tips on how to avail travel insurance. The point is- life is unpredictable and it’s better to have insurance especially for travel purposes. Travel insurance is a real must when traveling.

What Type of Travel Insurance Is Best for Canadians?

Among the first questions the majority Canadians ask when buying travel insurance packages is “What type of travel insurance do I need?

It’s a good query, as there are a number of travel insurance types in existence, and selecting among the them all can seem a bit tricky to start with.

Listed in this article, we describe the primary types of plans in Canada, and what types of insurance are best for Canadians.

Single Trip

A single trip policy is suitable for your requirements if you’re intending to travel once inside of a given year. This variety of plan is the most widespread type of plan. Single trip policies only cover individuals for an individual journey away from home.

Multi Trip

If you travel repeatedly each year, it may be worthwhile to buy a multi-trip travel insurance policy. A multi-trip coverage offers insurance for numerous trips in a year. Multi-trip plans often have limits around the time period of trips you are able to make. 15 day or one month trip limits are common, however, some firms let you take as many as sixty days on every trip.

If you want multi-trip coverage, look into the plan perks that are offered by credit card issuers. One of the charge cards you have in your purse could quite possibly maybe even offer protection!

Coverage may include the cardholder’s husband or wife and little ones and can be a great strategy to reduce travel insurance plan costs. Make sure you study the insurance policy and coverage cautiously, so you know exactly what you’re actually getting.

All Inclusive

An all inclusive plan may well be effective for you if you want to have complete coverage. All inclusive insurance policies usually cover emergency medical protection, trip cancellation and trip interruption, baggage insurance plans and health evacuation insurance. Numerous all inclusive insurance policies offer high limits for emergency medical coverage.

The key downside of most inclusive policies is money. You’ll often pay greater than double the total cost of a single trip plan for all inclusive travel insurance plan. If you happen to be paying attention to how much you want to spend, contemplate getting a simple single trip plan, and choosing a supplementary trip cancellation plan. This can help you save a ton of money.

Tip! Make a brief telephone call to your house insurance company to check out if they offer some baggage or personal belongings insurance plan.

Trip Cancellation and Interruption

Trip cancellation and interruption insurance is effective if you’re concerned about the expense to you personally in case your trip is cancelled or rescheduled. These kinds of packages are especially a good choice for trips that are high priced.

Trip cancellation and interruption insurance plans are also a decent option if you are travelling with multiple people, or if you happen to be travelling along with children. Would you want to take your infant on a long voyage if they’ve only developed a serious stomach virus? It happens all the time.Trip cancellation and interruption insurance will let you cancel your trip for pre-specified reasons like illness of yourself or a travelling companion, or work loss.

Always get in touch with your insurance provider to obtain their permission prior to cancelling a holiday. It’s very normal to believe a reason for cancelling is covered under an insurance policy, only to discover out that in fact there’s an exclusion within the plan. You can buy cancel for any reason travel insurance plans, which will let you cancel a holiday for various reasons. These policies generally are somewhat higher priced, but nonetheless they do give you peace of mind.

Top Up Insurance for Canadians

Top up travel insurance is an effective option in the event you already have insurance, but don’t have coverage for the entire time period that in fact you’re away. This type of travel insurance plan is definitely worthwhile in case you have work or charge card insurance which can only cover you for the beginning part of your trip.

Using your primary insurance plans for your 1st part of your journey, and acquiring a top up plan for the rest, might be greatly less costly than investing in a brand-new policy for the entire time period.

Baggage

Baggage insurance protects you and your loved ones in case your luggage is lost, stolen, or rescheduled. The benefit you can get from baggage insurance ranges from about $500 to $2000 per consumer, relying on your plan.

Your home insurance coverage quite often gives you some protection for your assets while you are traveling, but they in all likelihood will likely not cover baggage delays.

Medical Evacuation

Emergency medical evacuation insurance is especially necessary if you’re going on a cruise or if you happen to be paying a visit to a remote location. If you fall ill aboard a cruise, an emergency medical evacuation by way of a helicopter can easily cost $150,000.

Emergency health evacuation insurance can pay for transportation to the closest medical facility or alternatively back to your point of departure. Having said that, all insurance policies call for pre-approval by way of qualified medical expert. While medical evacuation is covered in many medical travel insurance policies, you can buy separate medical evacuation insurance cover plan.

Be mindful if you’re considering obtaining insurance plans coming from the cruise company. Many cruise companies do not include medical evacuation insurance cover plan inside their travel insurance policies.

Pre-Existing Conditions

If you have a pre-existing health condition (including diabetes or alternatively heart issues), a policy that allows for coverage when it comes to pre-existing conditions is a must have. A pre-existing condition is a health problem you might already had when trip started, even if you didn’t have the problem at the time you obtained your insurance.

Insurance policies who will allow for pre-existing medical conditions are typically more costly, nonetheless, at the very least, you’ll be covered in the event you have a medical disaster associated with your pre-existing condition. Any condition that in fact appears from the time you acquire your insurance plan to the time period you begin your vacation can be considered to be a pre-existing condition, even if you didn’t know about it at the time you purchased your insurance plan.

Being pregnant will often be viewed as a pre-existing condition by many travel insurers.

Accidental Death and Dismemberment

Accidental death and dismemberment is a worthwhile type of travel insurance, and is generally speaking (though not guaranteed to be) covered in emergency medical travel insurance policies. This type of travel insurance will take care of you for injuries you get while riding as a fare-paying passenger on an airplane, helicopter or common carrier (a bus, boat, or even train). There’s also a death benefit that is paid out (generally between 10,000 to 25,000) if you pass away on your voyage.

In keeping with its less than lovely title, an accidental death and dismemberment policy can pay you a set amount if you lose an arm or leg (or other part of your body) while on vacation.

Bottom Line

Whatever type of travel insurance you decide on, read your policy attentively before you leave.

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