In my very first tip I suggested getting travel insurance for those big trips that cost a lot of money, time and effort. I am talking about those exotic type trips to Africa, Antarctica, South Georgia Island, Galapagos Islands, etc.

I am adding a caveat: read the fine print. Many of these policies have been written with so many loopholes and specific verbiage. That verbiage will result in your trip not being covered.

So many things can happen to a trip - from a death in the family to a medical incident to embezzlement of the guide company. Call the insurance company and ask what might NOT be covered. Due diligence may help you in the long run.