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Establish a contact with your insurance oomp.ny.l’indmtmbowtogvthelploaflynndbow When you have a health emergency away from home.tbebutmedidne'-podu'lvdhmpa.l{m dm'thaveeuvenge,youmybefuudtomgbuptho axtofphyn’dan'nbutment.nhupimmyormn emergency flight to the nearest major medical centre. Tberidxtpolicycnnbealifdineifmbmaillor anmjundvhjleyou‘montbermdflutit’-cbviouly nmporunttothinknbwttnvelinmmbebnyou go. Sobefinywmlu:encvmper.hnndflndog andpackywrmimn.comiderthucpdnm. Don‘t buy in-ummdon’tneed.Ywmy already be covered for medical emergencies outside ywrhomptwmceundermmvinddmodialphn oremployeeinmnneepadm.Befineyouml,mll the agencies handling your car or home insurance to ask aboutmywddentm.hkmaeditard companies if insurance is part of their baseline service to cardholders. STEAMBOARD, COLORADO lvyounnsseawspecflprmhflmw,ue is still time to join Dave & Marityn Woods on their escorted twrtom\qu&wmmmd March 7th and returning March 16th ... ideal for those in the educational field as it ‘fits‘ with the school break. You Mvetheooomofmmmvmnyou'dm't have to be back‘ on the 16th. Call for detailed brochure and information SKI & SNOWBOARD VaAcaTions HONG KONG & BANGKOK . _ MEDICAL COVERAGE You may not be insured if your longstanding illiness flares up while you‘re away from home. Insurance companies define "preâ€"existing conditions" in different insurance if you already have a health problem. Buy travel insurance from a travel agent. 'lhvelagenunllqndfliudhnlinmnna,which kicks in where your primary medical insurance leaves off. In a medical emergency, you can call collect to a 24â€" hour hotline run by the insurance company, where staff can sort out problems in different languages. They will nkednrgeofmakin(hoqitdorflightmmmh, andwillconuctywrphyaidanotyourfamilyabm your medical problem. Find out whether you are eligible for injuries, not iliness, so keep this in mind if your travel plans include some adventure. An impnnpt:u flight homeforyounndmlh’etdicmbccutlyl{you’n tofileadaim.flringthilinformnfion,togdhcrwith thcnameofthemmmhcud,withywwhen you travel. Read the fine print. It may take some serious Mwmmmmumqy ympoficy.mmmmtogumbomnf you break a leg trekking in Nepal, or will it cover the cost of sending you to a nearby medical facility.? Evacuation is more often required in the case of A STITCH IN TIME etmnminvn tnenmmmmenmmeneretreennmsemmnen _ Pack your policy number and details. Your proof of coverage will direct doctors or hospitals to seek payment from your insurance company. Mnh&qfihfifl(finfio road. Settling your claim can take weeks or months, so it’lgoodtohveamhion:r:z:ilhthnmm’t defer. Bump up your credit so you can obtain cash advance, and carry travell@t‘s cheques that you can save for an emergency. Line up an emergency contact at home. If you run into trouble of any sort while travelling, you‘ll be grateful that you prepared a friend or family member to send money on your behalf. Knpallreeeipuanddocmnuuisiuhn-ywr treatment. Receipts will be helpful if your claim is disputed. And it‘s an important part of your overall passed â€" to have a record of treatment you received or prescription drugs you have taken. Gladis, Betty Ann and staff are experts in helping people plan their corporate and vacation travel. claim if your treatment or medication has changed in the 90â€"day period before your trip. It‘s vital to nail down in advance whether you‘ll be insured in the eyent of a ways: some will cover an emergency if your medical disorder is usually stable, while others will reject your Themonemettrnsarstdiisnme Wnn caliohaceninn riasarsa memoinofvintiiRiti nnihietventhntetei0iime ... Coommmneneeeny"*" CToiitraees point in the lives of man The YWCA of Kitch 55 United Way Member 130 programs and servic community, Please give Thank you! In 1996, 310 childrer â€" many would not have United Way assistance. "Zach had a wonder great when he came ho Thanks to support YWCA helps families full fee. The sacrifice 0 at least part of the fee is value they place on C would have otherwise | ments or roam on the st "I would like to ex; made by the counsellon my son through a time "I was afraid that English, she would b attention, she loved car ) Campers come fro off families and those tials, Some are a pict medical and behavio guages and cultural t dous enrichment but c belonging" and isolat jump off the bus, they riences of anxiety, ex shyness about being w er. As they canoe, s activities over the two ety fade away. The . becomes a cherished a Camp Clover prides where each child gets staff. Some of our cam rromnovemenommmn manenres "CoMNRiAint rmemencc neamencyeren month at camp gair experience. The co descriptions, goalâ€"or difficulties and gain The enthusiasm 0 this year‘s first jurtion was tremendous. "T their faces after they thrilling," said Ann Clover. 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