On our website, we have a page containing a list of ten things that can go wrong on a trip. Here is your chance to tell us of other things YOU know of that can go wrong.

Our list includes things that can be helped by having travel insurance from a leading company (naturally). Some problems are directly helped by the insurance policy. Some of them are helped by extra services provided by the insurance company free of charge as part of their cutomer service ethic.

But your additions do not have to have that constraint. Please share your wisdom; if you propose a problem that is not helped by having insurance or that customer service I mentioned, please tell us how to avoid it altogether or how to reduce its effect. Also, if you have a suggestion of another way to help solve or prevent one of OUR problems, please post that too.

Here is our list (compliments of Travel Guard International, one of the companies we represent):

1. You could lose money you've invested for your trip, such as nonrefundable deposits, if bad weather conditions cause delay or cancellation of your trip.

2. You may have to cut your trip short and return home for an emergency such as an unexpected illness or death in the family forcing you to lose the remaining pre-paid portion of your trip and pay a ticket change fee for your return travel arrangements.

3. Your luggage could be lost, delayed, or stolen, forcing you to purchase additional clothes, essentials, or even prescription medications.

4. The airline, cruise line, or tour operator with which you're scheduled to travel suddenly ceases operation or goes on strike leaving you with no option but to cancel your trip with no recourse for reimbursement.

5. Many major health plans in the U.S., Medicare, and Medicare Supplements offer little or no medical expense protection outside the U.S. (Medicare and Medicaid provide no coverage outside of the U.S.)

6. Due to an accident or a sudden illness, you or a family member may require emergency medical evacuation while traveling. Over 70 percent* of U.S. health plans, including HMOs and PPOs will not cover emergency medical evacuations.

7. You could run into major travel delays forcing you to miss a portion of your trip or cruise and be forced to pay additional lodging expenses while you wait.

8. You could be forced to evacuate your resort due to a predicted hurricane or other weather conditions, cutting your trip short with no recourse for reimbursement for the remaining portion of your vacation.

9. You could lose your important travel documents, stranding you while traveling abroad.

10. You could be involved in an accident with your rental car and be responsible for thousands of dollars in damages.