“Should I take out travel insurance?” This is a question that travelers often debate. Is it worth the cost of the premium? Some people think that travel insurance is a glorified life insurance policy covering your life and limb when traveling but this accident coverage is just a small part of the package and a part that is hardly ever used. A good comprehensive travel policy offers so much more.

One of the most important benefits of a travel policy is trip cancellation and interruption coverage. This protects your travel purchase against unforeseen illness or accident that keep you from traveling. When you are considering purchasing a policy be sure and look at the trip interruption portion. Will it reimburse your unused, non-refundable portion of the trip? If an unfortunate situation arises where you will have to return home for a covered reason, it can help cover the increased transportation costs of traveling home on short notice. The policy many also cover you for missed connections, travel delays and even work/business related reasons.
In the unlikely event you become sick or injured during your trip, emergency medical and dental coverage is important to have. It is surprising, the number of health insurance policies that do not cover medical services when you are traveling internationally. It is a good idea to check with your health insurance provider to see what kind of out-of-country coverage you have.
I hate it when my luggage is lost or delayed. It is so irritating to lose your personal items only to find out the airline covers virtually nothing. Your travel insurance Baggage Protection will help replace lost or damaged items, and if you have to wait for your bags to catch up, it is somewhat comforting to know that you will be reimbursed for items that fail to make it intact.
When should you buy travel insurance? I would suggest buying your insurance right after booking your trip. The price is the same whether you buy it a year before the trip or the day before you leave, but buying it early gives you the most coverage time, and sometimes gives you bonuses such as covering pre-existing medical conditions and supplier default.
Make sure to use a reputable insurance company. Over the years, we have offered several different companies and have found Access America to have the best coverage, also the most fair when it comes time to pay a claim. We highly recommend using them for all of your travel insurance needs whether traveling on your own or traveling with us.
Be sure and know what your insurance covers. Read your policy ahead of time and don’t hesitate to ask questions. Most of the time you will find that you are covered for more things than you thought.
No one wants to think about the “what ifs” so let travel insurance take away some of these worries. Even though the odds are low that you might have to file a claim, the security and peace of mind provided with travel insurance is worth every penny.

Pancho Villa, so the saying goes, was “hated by thousands and loved by millions.” He was a Robin Hood to many and a cruel, cold-blooded killer to others. But who was this colorful controversial hero of the Mexican Revolution and where did he come from?
Pancho Villa was a natural leader and was very successful as a bandit, leading raids on towns, killing, and looting. He was also involved in more legitimate ventures, including being a contractor on the Copper Canyon railroad.
On our very first day in Buenos Aires, exhausted from jet lag and very hungry, we stopped at an empanada stand. Empanadas are a staple of Argentinian food. Basically, they are dough folded around a filling and baked. The name comes from the Spanish verb empanar, meaning to wrap or coat in bread. The available fillings were meat, onions and cheese, or ham and cheese. We opted for the latter. Delicious! OK, it was the first day, but we found a great lunch. Along the way, in other towns, we stopped in grocery stores, bakeries, etc. and ham and cheese was the filling we could consistently count on for empanadas.
On May 21, 2010, California Native owners Lee and Ellen Klein were guests of Mexico’s President Felipe Calderón at a luncheon he held in Mexico City at Los Pinos, Mexico’s official presidential residence.
Let’s catch a quetzal—on camera that is. We can begin our hunt by hiking through the Monteverde cloud forest, on a California Native
Most Americans think that Cinco de Mayo (the 5th of May) celebrates Mexican Independence Day. Not so. Mexican Independence Day is September 16. Then what is Cinco de Mayo?
Napoleon enlisted England and Spain to join him in a mission to encourage Mexico to pay off its foreign debts. The mission began with the landing of French, English and Spanish troops at Vera Cruz. The French minister then demanded that Mexico pay 12 million pesos to France, an impossible amount, given the state of the Mexican treasury.
Thanks to you and
In the winter (our summer), when the snows fall, South Americans flock to the city to take advantage of the many winter sports. In the summer and fall (our winter and spring), people come to hike, raft, kayak, fish, enjoy lakeside beaches, and much more. On our recent scouting trip to Argentina, we sampled some of the abundance of activities Bariloche has to offer. We hiked beautiful mountain trails, stopping for lunch at overlooks above clear blue lakes while giant condors flew to and from their nests on adjacent peaks. We river-rafted down the scenic Rio Manso all the way to the Chilean border. And we enjoyed sumptuous meals of pasta, lamb and steak—to re-energize ourselves after all that exercise.
Oh, did I mention chocolate? Bariloche is famous for it’s chocolate shops. Strolling from the quaint main square, with its wooden and stone alpine-look municipal buildings, down the main street, you are confronted on every block by at least two or three chocolate shops. We’re not talking about little shops—we are talking about big stores with cases and cases of chocolates by the pound, café sections for sampling decadent desserts, and aisles of every size box of chocolates you can imagine. Visit just before Easter as we did, and you can see some of the most beautifully decorated confections you can imagine. The store windows are like museums of chocolate. And, ALL of it is delicious! I know! I tasted! More than once!
What is blue, white, frosty and cold? If you guessed a type of drink, try again! It is a glacier in Patagonia, and there are hundreds of them to see. The California Native scouting team was on our third trip to explore the area in March. This time we are developing a new itinerary for our adventures not only in Patagonia (Chile and Argentina) but also in other areas of the two countries.
In the first of three weeks of travel in the region, we were able to set foot on Cape Horn (as far south as you can get without being in Antarctica), hiked an island in the Straits of Magellan, crunched our way up an ice field fjord in a zodiac, trekked in Torres del Paine National Park in the shadows of the snow-capped towers, visited the largest and the longest glaciers in Argentina, and even hiked up the glacier itself (crampons on!).