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What would happen if you had a month's trip to America booked - departing in six months time - and were unexpectedly diagnosed with lung cancer? Suppose you had to cancel your holiday and go in for immediate surgery. If you had been smart and taken out travel insurance - effective from the date you booked the trip - you should be able to recover costs associated with the cancellation of the trip (after any excess payable). However, if you had waited until the day before departure to purchase travel insurance your cancellation costs would not be covered. Some people try to squeeze extra mileage out of their annual travel insurance policy by making the start date of the policy the date of the first departure. This is a risky thing to do because there will be no cover for cancellation costs if anything should go wrong prior to the departure date.

Just suppose you'd been having tests and investigations within the last year for lung-related problems but failed to declare this fact when purchasing travel insurance. During your scuba diving holiday in California, you start coughing up blood all over the dive boat. You have to seek emergency medical care and a diagnosis of lung cancer is confirmed. Would you be covered for the high emergency medical costs or curtailment of your trip? Probably not.

Anyone with a serious pre-existing medical condition will already know that obtaining travel insurance can be tricky, but not impossible. Some travel insurance companies exclude all claims related to pre-existing medical conditions. Some insurers will cover for pre-existing conditions without any additional premium. Other travel insurance companies may have a medical screening system, usually carried out over the telephone or online. A series of questions is asked to assess the risk and determine whether insurance can be issued. If approved, there may be a choice to either pay an additional premium to cover the pre-existing condition - or elect not to pay the extra premium and exclude claims relating to the risk.

Common conditions such as hypertension (high blood pressure), diabetes and asthma can all cause problems when trying to obtain travel insurance - especially if combined with other conditions, so never neglect to disclose something as common as high cholesterol thinking that it is insignificant! All questions must be answered fully and honestly.

As with any type of insurance, there are always exclusions. Some insurers will refuse to insure those with pre-existing conditions involving cancer, serious kidney problems (requiring dialysis), serious heart conditions, strokes and HIV, AIDS, or any AIDS-related problems. They also do not cover for suicide or suicide attempts - in case you're thinking of jumping off the Golden Gate Bridge!

Most travel insurance policies will carry similar wording and it is wise to read and understand the terms and conditions. For instance, there might be clauses stating that you should never travel against the advice of a medical practitioner, or to obtain medical treatment abroad (unless already disclosed and pre-approved). The same goes for those on waiting lists for surgery or procedures, or awaiting the results of medical tests. There are specialist travel insurers who will often cover terminal illnesses.

During the medical screening, you may be asked specific questions, such as: have you been a hospital inpatient or had any medical condition that requires ongoing medication, or referral to a specialist within the past twelve months? Have you ever suffered from, been diagnosed with, or treated for cancer (or other malignant disease), a heart or lung condition (excluding well-controlled asthma), high blood pressure or any psychiatric disorder?

Any claims you make which relate directly or indirectly to the types of conditions listed above will normally be excluded - unless you declared the condition and it was accepted by the underwriter, subject to any conditions or additional premiums imposed. Whether or not a particular travel insurance company is willing to offer insurance will depend upon different factors, depending on the underwriter, so it is wise to shop around and obtain quotes.

The biggest mistake is taking the risk of failing to disclose a condition to obtain the insurance. You might get away with it if there are no problems and you have no reason to make a claim. However, if the worst should happen, the insurance company has ways to find out - and they will find out - about any pre-existing conditions! You could find yourself with huge medical bills and your insurance claims denied. With the high cost of medical treatment in some countries (the USA especially) it simply is not worth it. Always be completely honest so that you can have peace of mind and enjoy your holiday without worrying about every twinge!

Jean Andrews is a freelance writer living in the UK. She regularly contributes articles for TIA Ltd who offer travel insurance at great prices online.

There are many ways that people use to treat acne. Unfortunately, it is hard to pin point what is the best way to treat acne. A treatment that works for one may not necessarily work for others. If you are considering using medication to treat your acne, it is always a good idea to find out more about the different kind of medications available in the market. You should also be aware that certain medication can cause side effects.

In this article, we will go through a list of common medication that is used to treat acne.

1) Adapalene

Adapalene is usually prescribed. It can come in cream, gel or liquid form. It can be slightly more expensive when you compare it with other options. However, it can work very well for some people. If you are using Adapalene, take note that the condition can get worse during the first few days. However, you should be able to notice improvements to your condition if it works for you.

2) Benzoyl peroxide.

Benzoyl peroxide can either be bought over the counter or prescribed. The difference between the two is usually the strength. Benzoyl peroxide has been quite effective for many people. However, a side effect that can occur is dry skin. If the side effect persist, it is better to stop the medication as you do not want to trade one skin condition for another.

Sometimes, if Benzoyl peroxide doesn't work for you, you may need a higher dose instead. Before going for higher dosage, it is better to seek professional advice first.

3) Antibiotics

This can include drug such as erythromycin. The effects vary from individuals to individuals. However, it does produce good result for some people. If you are taking antibiotics, do follow instructions closely.

4) Accutane

Accutane is usually used to treat very severe cases of acne. However, it can also have severe side effect. It is recommended that you consume this drug under proper medical advice and close monitoring.

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While acne is not a fatal skin condition, it can be easily considered one of the most cruel conditions of the skin. It often strike teenagers when they are most psychologically vulnerable. Not only can acne leave permanent scars on the face, it can also leave permanent scars in the heart.

While it may seem silly to be so affected by physical appearance, it can and does occur since young people are usually extremely concerned about their looks. If you are a parent of any teenagers suffering from acne, be sure to look out for these behaviors. Sometimes, counseling may be necessary. If you are a victim yourself, it is also a good idea to check if you suffer from these psychological symptoms.

Below is a list of psychological effect of acne:

1) Becoming more withdrawn

Victims may no longer want to go out so that people cannot see their face. They may try to avoid their friends, and in a more severe case, even avoid family members.

If the victim is usually very active, it can be a cause for concern. If necessary, a counseling session can be arranged.

2) Loss of self esteem

This is especially true for teenagers, who are usually very concerned about how they look. In fact, don't be surprised that adults are affected by looks too.

Some people may believe that girls are more concerned about their looks than guys. But that is not exactly true. Some guys are deeply affected by how they look too.

3) Being depressed

Some teens may start to envy others who have clear skin. In fact, some of them may have this thought that those who are more attractive are more capable. This may in turn lead to depression and a lost of self confidence.

4) Anger and frustration

Some teenagers may become more hot tempered and flare up easier. This is understandable as they feel they just can't do anything about it. Therefore, they need to find some way to express their frustration.

If acne is affecting you or anyone one you love, you should not only look for physical treatment. In severe cases, psychological treatment may be very necessary as well.

Do you want to get rid of your acne permanently in 3 days, using a natural and scientifically proven method?

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If you are suffering from depression, lack of sexual appetite, or trouble with sexual functions, you may be experiencing low testosterone levels. If this is indeed the case, one way to address the issue is to try eating high testosterone food.

A testosterone diet is easy to maintain, as long as you are aware of what constitutes good foods to increase your testosterone levels. High testosterone foods contain good qualities of zinc. For this reason, some foods have been called aphrodisiacs.

The reality is, including these foods in your diet may help alleviate the symptoms of testosterone deficiency. In one trial, 22 men with low testosterone levels and sperm counts were given zinc every day for 45 to 50 days. Both testosterone levels and sperm counts rose.

It should not be surprising that one of the best high testosterone foods are oysters. Oysters have long been lauded as a powerful aphrodisiac, and recent studies are showing that the reason may be because they contain high levels of zinc. Oysters are a perfect testosterone enhancing food to add to your diet.

If you are a red meat lover, then you already are enjoying a version of high testosterone food. Red meat is also high in zinc, so keep enjoying those steaks, as they are a very good part of a testosterone diet.

Other suggestions for red meat lovers include wild game, ribs, roast, lamp and pork chops. All of these foods are convenient to purchase, and all are considered good testosterone food.

Poultry also pack a good wallop of zinc, and is an ideal inclusion in a testosterone diet. Chicken breasts, wings and thighs are all high in zinc, and in fact, combined with red meats, poultry makes up most of the zinc intake of the average American.

Goose, turkey, and duck are also poultry that are considered high testosterone food, and are a good part of the testosterone boosting diet. Wild poultry is also a a great choice, and you shouldnt be shy about trying some quail or pheasant either.

There are also high testosterone food items that are not considered meats. Beans are an ideal part of the testosterone increasing diet with their high zinc content. Nuts are also high in zinc and are a good dietary inclusion. In the grains family, whole grains and fortified cereals are very high in zinc and therefore are good choices.

Finally, many dairy products are testosterone enhancing foods. Milk, yogurt, and cottage cheese are all high in zinc and ideal if you're looking for so called testosterone food.

In conclusion, if you are suffering from low levels of testosterone, one of the best things you can do is include high testosterone foods in your day to day life. Focusing on ensuring that you have a good testosterone diet is a simple way to avoid problems related to low testosterone.

Learn more about high testosterone foods at http://www.testosterone-booster-guide.com