Q: What kind of health insurance should I have?

A: Many credit card companies provide excellent health insurance, either as a normal service or by arrangement for a small extra charge. It is a visa requirement that Health Insurance be arranged but if your credit card company does not cover this, it is possible to arrange it through your travel agent. Your current policy may well be valid in Russia. However, you should clarify exactly how they work in such situations. In most cases, they do not have any special arrangements overseas, especially in Russia, and you will be asked to pay your medical expenses up-front and then obtain reimbursement from your carrier later.