Travel Insurance: When Do You Need It?

Recycle the long plastic bags in which you receive your home-delivered newspapers. Slip your shoes into the bags before packing them in your suitcase.

If you book a package over the Internet, print out all the details of what's included and take it with you. When a hotel desk clerk in Paris said that the breakfast buffet we had enjoyed for the previous seven mornings was not included in our package, I was able to show him the printouts and prove him wrong. He apologized profusely and wiped the breakfast charges from our bill.

My friends and I contribute to a kitty and use that money to pay for group expenses such as taxis and meals. It saves us from having to figure out each person's share at every stop. At the end of the trip, we split what remains.

I've saved lots of money using AAA. In addition to providing excellent roadside services (help with stalled cars, lost keys, etc.), most AAA chapters offer discounted tickets to Disney World and a preferred parking pass that enables you to grab specially designated spots near the entrances. It's a dollar saver, and you don't have to walk far or take the trolley in the parks!

My husband and I create personal cards (like business cards) before we leave home. We put our name, address, phone, and email address on them, as well as a picture of us. How many people have gotten home from a trip, looked at a slip of paper with a name and address, and wondered, Who is this? The picture helps link a name to a face.

Pack a glue stick for journaling. Rather than bringing home an envelope full of ticket stubs and mementos, you can glue them into your journal as you're traveling. You'll have a better chance of remembering what the ticket was for if you label it right away.

On my first trip to Cancun, I noticed that my hotel room had a damp, musty odor. The next time I went, I brought two plug-in air fresheners: one for the bedroom and one for the bathroom. This helped tremendously. It was a pleasure to walk in and have a fresh-smelling room. Just make sure you have an adapter, if you need one.

If you've accumulated more souvenirs on your trip than you can carry, drive your rental car up to curbside check-in, then return the vehicle and come back on the shuttle bus with only your carry-on. This only works if there's no check-in line, but can save dragging your luggage onto the shuttle bus, across parking lots, etc.

I teach a Tulane University seminar on independent European travel for first-timers. Until recently, I advocated Europe's great rail networks as the way to go. Now, with the plethora of budget airlines, I recommend a combination of the two. But it makes the planning stage—which I find almost as much fun as actually taking the trip—more involved. Thank goodness for whichbudget.com, a Web site that lists, by city, which budget airlines serve which cities. Then, to find links to all of Europe's state railway Web sites, visit railfaneurope.net. Each site generally features a travel planner and, almost invariably, an English-language option.

For fire-safety reasons, cabins don't have their own irons. Don't wait until the last minute to tackle your evening wardrobe. You can find shared irons down the hall in the laundry room, but lines often form before mealtimes. Opt for off-hours (like mornings).

Try getting a discount on your hotel room by offering to pay in cash. A hotel reservationist suggested this approach when I phoned to reserve at a hotel in London. I asked if the hotel could grant a discount based on my AARP or AAA membership, as many hotels do in the United States. Her response was that the only discount she was able to offer was 10 percent if I paid in cash.

Make a master list of jobs to do around the house before you leave (hold the mail, water the plants, take out the garbage). Keep the list on your computer, print it out, then check off each job as it gets done. You'll be able to go without worrying that you forgot to stop the newspaper.

My husband and I travel to out-of-the-way towns where rural roads can be hard to navigate. We use a handheld GPS (Global Positioning System) to mark the spot where we're staying, the main highway turnoffs, and, most important, the turns to unmarked side roads. When we're back-tracking and arrive again at confusing intersections, we whip out our GPS and immediately know which route to take home.

I reverse the batteries in my portable CD player before packing it in my suitcase or backpack, in case it's accidentally turned on when my bag is jostled. I came up with the idea after arriving at my destination to find that the brand-new batteries I'd put into my Walkman were dead.

It's often cheaper to buy a ticket to London and then fly onward within Europe via a regional low cost airline. Last summer, my husband and I bought consolidator tickets to London for $397. From there, we flew EasyJet to Nice for $72. The total cost was $469—much less than flying directly to Nice, plus we enjoyed a stopover in London.

Whenever I'm in a country where drinking or brushing my teeth with the tap water is a risk, I cover the faucet handles in my hotel bathroom with a towel. As a result, I never accidentally turn on the faucet when I'm half asleep.

My daughter and I bought disposable digital camcorders at a CVS pharmacy before going to Europe. It was a nice way to document our trip--each camera stored about 20 minutes of video. Once home, we dropped the cameras off at the pharmacy. The next day, our DVD was ready. We were very pleased with the quality and the cost: $30 for the camera and $13 for each DVD.

In North American cities with large Chinese communities, choose a family-run Chinese restaurant and ask for the set family meals, usually written in Chinese. They are more authentic than those typically offered to tourists and people who are not Chinese—not to mention a better value. In San Francisco, for example, you can enjoy a five-course meal, which easily feeds a family of four, for less than $20.

I carry recipe cards with me to jot down interesting dishes I come across while on vacation. (I also like to use colorful postcards from the area I'm visiting and trim them to fit my recipe box.) Here's a wonderful dessert idea I brought home after spending a rainy afternoon with my husband in a London pub: Top a warm waffle with vanilla ice cream, maple syrup, and chopped pecans. It's heaven with a cup of hot tea.

My hearing loss once made it impossible to hear any alarm clock. Then I found the Shake Awake, an alarm clock that vibrates. I no longer stare at the ceiling all night prior to an early flight in fear of oversleeping. I clip Shake Awake to my pillow or place it on a hard surface near my bed, where its rattling definitely gets my attention.

Put a few plastic trash bags in the outer pockets of your suitcases and carry-ons. If you arrive at your destination and it's raining, you can cover your luggage with the bags while you make your way to your hotel. Just cut a slit for handles or straps.

If your children are old enough to dress themselves, consider this packing tip: Put each outfit (including socks and underwear) into a Ziploc bag and pack one bag for each day you'll be on vacation. It will save both time and aggravation, and may even prevent items from getting left behind.

We decided to take our bikes on our last Caribbean cruise. It was a little crowded in the cabin, so the steward let us store them down the hall with the wheelchairs. We were last off the ship when we docked in Bermuda, but after five minutes we'd left our fellow passengers in the dust. And in less than fifteen minutes, we were far away from the busy port, enjoying a beautiful, deserted snorkeling beach.

Rather than risk losing your department-store credit cards and club-membership cards, you should really leave them behind when you go somewhere you won't need them. Your purse or wallet will be lighter and your worries fewer.

If you're traveling with a companion, pack half of your belongings in his or her suitcase and vice versa. This way, if one piece of luggage gets lost, you'll each still have some clothing.

We always e-mail our itinerary--including flights, hotels, and confirmation numbers--to ourselves and to family members. If our luggage is lost or our wallets are stolen, all of this essential information is just an Internet café and a few quick clicks away.

I've discovered a wonderful way to enjoy massages at a fraction of the usual cost. Some massage-training schools provide superb service in a spa-type environment. Do a Google search to see if there are training programs near your next vacation destination.

When planning a vacation, we send away for brochures from major tour operators. They provide hotel and restaurant recommendations and sightseeing itineraries, which we then duplicate on our own. Use this trick to mimic the vacation packages of high-end tour operators for what can turn out to be a fraction of the cost.

Deli counters in grocery stores are great mealtime alternatives to restaurants or fast-food fare when you're exploring the United States. The food is fresh, there's a big variety (hot and cold), and economically, it's a great break. I recently had a complete hot meal, including beverage, for $3 from a grocery-store deli.

Before leaving on a trip, I print the names and addresses of my friends and family onto clear mailing labels. (All standard word-processing programs have preset templates for creating address labels.) Then, I take the address-label sheets with me on vacation. Since the addresses are already saved in my computer and the mailing labels are adhesive, addressing postcards has become really easy.