Subject: Travel insurance
Since we don't travel on tours, we don't worry about cancellation problems too much. Mostly we can just cancel hotel reservations, or change things without too much trouble. My big worry is medical expenses when one of those d... vespas runs me down in the street.

Last year we bought a policy from American Express that, for one year, covers only medical expenses when you are more than 150 miles from home. There is of course lots of fine print, but they do cover air ambulance evacuation and will help you get the treatment you need - so they say. Fortunately we didn't need it this year. It was relatively inexpensive for the two of us - maybe $175.

I think we'll probably do it again. You can find out about it on the American Express web site.

Callie in New Orleans