Cautionary tale re paying for overseas birding trips

Thanks for the heads up Peter, one other issue to be aware of when paying for overseas guiding complanies is that if they disappear into thin air or go broke, you are not covered by your travel insurance.  I have been told that your travel insurance only covers your travel agent in your home country but does not cover guides in other countries.  I have searched for an insurance policy that covers this without success.  If anybody knows of a policy that covers this loop hole please let me know.   Cheers,   Carl ===============================

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