Whether you’re traveling via regular commercial flight, on a charter airline, or with an organized tour, it’s 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 didn’t go.

European resorts are casual about hazards and ski boundaries, which aren’t 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 you’re skiing France, a Carte Neige insurance policy for around $35 will pay all rescue and medical costs for a full season.

Don’t even think of touching a car until you’ve verified that you’re 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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