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It goes without saying that you’ll need insurance, but it’s not something you should be sorting at the last minute as policies vary significantly, start coving you immediately for pre-trip problems and you need to spend a little time reading small print and making sure you don’t overpay. There are hundreds of travel insurance companies.

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Among the 2014 Best Places to Visit in Canada are No. 1 Charlottetown (bottom left) and No. 14 Ottawa (top right). (Julia Pelish Photo Illustration/Vacay.ca)

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