Many of us travel very often but few realise the importance of a travel insurance until we get into an unexpected emergency such as sickness, accidental injuries, stolen or lost luggage and other worse situations.

Taking travel insurance is even more important in the case of individuals detected with the HIV virus, as there are chances of them getting ill and having to cut short your vacation. It is necessary for individuals who are HIV-positive to declare their HIV status; failing to do so might run a risk of making their insurance null and void. Such individuals would have to pay higher than usual premium.

Pointers to remember before embarking on your holiday -

-	Ensure you have adequate insurance before you travel. Read the fine print in the insurance plan about medical history or pre-existing medical conditions
-	Find out all details regarding your destinations, about the customs and laws regarding same sex travel
-	Check carefully prior to departure for medical facilities at your destination, as not many countries offer free healthcare.
-	Place a list and copies of your prescriptions of medication in a separate survival kit
-	Carry photocopies of your passport and other important documents
-	Get a complete health check up done before you travel
-	Emergency evacuation and repatriation