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Frommer's Las Vegas 2004

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TRAVEL INSURANCE 21<br />

December<br />

National Finals Rodeo. This is the<br />

Super Bowl of rodeos, attended by<br />

close to 170,000 people each year and<br />

offering nearly $5 million in prize<br />

money. The top 15 male rodeo stars<br />

compete in six different events: calf<br />

roping, steer wrestling, bull riding,<br />

team roping, saddle bronco riding,<br />

and bareback riding. The top 15<br />

women compete in barrel racing. An<br />

all-around “Cowboy of the Year” is<br />

chosen. In connection with this<br />

event, hotels book country stars in<br />

their showrooms, and there’s even a<br />

cowboy shopping opportunity—the<br />

NFR Cowboy Christmas Gift<br />

Show, a trade show for Western<br />

gear—at Cashman Field. The NFR<br />

runs for 10 days during the first 2<br />

weeks of December at the 17,000-<br />

seat Thomas and Mack Center of the<br />

University of Nevada, <strong>Las</strong> <strong>Vegas</strong><br />

(UNLV). It usually begins on the first<br />

Friday in December and lasts through<br />

the following Sunday. Order tickets as<br />

far in advance as possible (& 702/<br />

895-3900). For more information,<br />

see www.nfrexperience.com.<br />

4 Travel Insurance<br />

Check your existing insurance policies<br />

and credit-card coverage before you<br />

buy travel insurance. You may already<br />

be covered for lost luggage, cancelled<br />

tickets, or medical expenses. The cost<br />

of travel insurance varies widely,<br />

depending on the cost and length of<br />

your trip, your age, health, and the<br />

type of trip you’re taking.<br />

TRIP-CANCELLATION INSUR-<br />

ANCE Trip-cancellation insurance<br />

helps you get your money back if you<br />

have to back out of a trip, if you have to<br />

go home early, or if your travel supplier<br />

goes bankrupt. Allowed reasons for cancellation<br />

can range from sickness to<br />

natural disasters to the State Department<br />

declaring your destination unsafe<br />

for travel. (Insurers usually won’t cover<br />

<strong>Las</strong> <strong>Vegas</strong> Bowl Week. A championship<br />

football event in mid-<br />

December pits the winners of the<br />

Mid-American Conference against<br />

the winners of the Big West Conference.<br />

The action takes place at the<br />

32,000-seat Sam Boyd Stadium.<br />

Call & 702/895-3900 for ticket<br />

information.<br />

Western Athletic Conference<br />

(WAC) Football Championship.<br />

This collegiate championship event<br />

takes place the first week in December<br />

in Sam Boyd Stadium. Call<br />

& 792/731-5595 for ticket information.<br />

Ticket prices range from<br />

$15 to $100.<br />

New Year’s Eve. This is a biggie<br />

(reserve your hotel room early).<br />

Downtown, on the Fremont Street<br />

Experience, there’s a big block party<br />

with two dramatic countdowns to<br />

midnight (the 1st is at 9pm, midnight<br />

on the East Coast). The Strip<br />

is usually closed to street traffic and<br />

hundreds of thousands of people<br />

pack the area for the festivities.<br />

There are, of course, fireworks.<br />

vague fears, though, as many travelers<br />

discovered who tried to cancel their<br />

trips in Oct 2001 because they were<br />

wary of flying.) In this unstable world,<br />

trip-cancellation insurance is a good<br />

buy if you’re getting tickets well in<br />

advance—who knows what the state of<br />

the world, or of your airline, will be in<br />

9 months? Insurance policy details vary,<br />

so read the fine print—and especially<br />

make sure that your airline or cruise line<br />

is on the list of carriers covered in case<br />

of bankruptcy. For information, contact<br />

one of the following insurers: Access<br />

America (& 866/807-3982; www.<br />

accessamerica.com); Travel Guard<br />

International (& 800/826-4919;<br />

www.travelguard.com); Travel Insured<br />

International (& 800/243-3174;

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