Bette - I am going to email you all the scoop on the insurance. In hindsight I will just post it all here. Lots of information others may need it. Well that did not work, wont post over in columns so impossible to read.

This is not a quick answer the most misunderstood issue on insurance is the "pre existing condition clause". Here is some of it in a nut shell. This compares TRAVELEX with Ker & Downey insurance which is TRAVEL MATE

Pre Existing condition explanation:
The only thing NOT covered is something that comes up in the defined number of days immediately prior to purchasing the insurance. Either a new condition that is diagnosed or an old condition that worsens and requires new treatment. So you could have a pre-existing condition such as heart or cancer problems. Have had lots and lots of treatment and still be on a drug for the condition or even under current doctors care.

As long as nothing changes with that condition in the designated number of days before buying the insurance you are covered.

NO RUSH TO BUY. Anytime between now and final payment date you can buy either coverage when you know within the defined number of days that the travelers ( and in case of Travelex family members) were doctor free (except routine visits) and had no health change.

Travelex Insurance: 90 day period. Travelers and ALL family members are included in the exclusion. Also you lose bankruptcy coverage when you don’t buy in the 21-day time frame. (The credit card company pays anyway)

Ker and Downey: 60 day period. ONLY travelers are included in the exclusion. Family members always covered.

I can handle purchasing both insurances for you and insurance premiums will be billed directly to your credit card.

Of course you can also purchase any insurance you wish on your own. Additions for air or additional optional excursions can be added to either policy and additional premiums paid.

Rates at 2004 levels if purchased in 2004 may change in 2005.

PREMIUMS FOR BOTH INSURANCE POLICIES ARE NON-REFUNDABLE