Crossroads Tours International cannot be held responsible or liable for loss, damage or theft of personal luggage and belongings, nor can we be liable for personal injury, accident or illness. In most foreign countries, insurance coverage of personal injury, accident or illness is not available on the basis of U.S. Canada and the other European OR Asia pacific Country standards. That is why we strongly urge you to check with your insurance agent to make sure you are adequately covered for any eventualities. You can purchase additional insurance from either your insurance broker or your travel agent to cover luggage, personal effects and accident and health. We strongly recommend the purchase of “trip cancellation” insurance.