Whether youíre traveling via regular commercial flight, on a charter airline, or with an organized tour, itís advisable to have trip-cancellation insurance in case something goes wrong. The cost to you otherwise could be the total price of the trip - on which you didnít go.

European resorts are casual about hazards and ski boundaries, which arenít always well marked. Skiers are more responsible for their own safety than in this country. If something goes wrong rescue operations are expensive - and the skier pays. If youíre skiing France, a Carte Neige insurance policy for around $35 will pay all rescue and medical costs for a full season.

Donít even think of touching a car until youíve verified that youíre fully covered by insurance, either through your own automobile policy, your credit card, or insurance offered by the car rental company.

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