probably a silly question but!
From previous experience I found when I had to call upon my travel insurence it was slow to help and ultimately would of been cheeper to save the premium, this is also the experience of my friend. Therefore this time I have decided to travel without it (am I insane?) also are there any countries in south america that require tourists to have travel insurance to enter?
I asume the answer is no but just want to make sure.
david.
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