It's every traveler's nightmare. You find that perfect souvenir. You reach for your wallet and discover it's missing. Not only have you lost all your cash, but credit cards and ID as well. Sadly this scenario happens too frequently but a little forethought and planning can keep you from becoming a hapless statistic.
Make copies of important documents
Before you leave, photocopy your passport, drivers license and credit cards you will be taking on your trip and leave them with a trusted friend. Keep a list of important numbers to call hidden in a separate location, such as your luggage or with travel itineraries. In the event your wallet is lost or stolen you'll have the information you need readily available.
Clean out your wallet or purse
Take out all unnecessary documents that can possibly compromise your identity. Your Social Security, library and business cards won't be much help on vacation, leave them safely tucked away at home.
Don't put all you eggs in one basket
Good advice for investing and traveling. Don't keep all your cash in the same place. Keep what you'll immediately need for food, souvenirs, etc., in one pocket and larger amounts in another. Or consider getting a money belt. It keeps your credit cards and large amounts of cash close to you and safe. When you anticipate the need for more cash or a card, go to a discrete location, such a bathroom stall or lobby alcove to retrieve it out of view from prying eyes.
Leave debit cards at home
While convenient, debit cards present a special problem if lost or stolen. By the time you discover your card is missing an opportunistic thief may have already wiped out your account. Resolving the situation can take weeks, effectively ruining your vacation. Instead of debit cards, travel with credit cards. If lost or stolen the account holder is usually not liable for fraudulent charges over a certain amount. Plus some credit card companies can get a replacement card to you in days in some emergency situations and even offer travel protection. Check with your card company for specifics and travel benefits available.
Use traveler's checks
It's never a good idea to carry large amounts of cash with you. Traveler's checks offer flexibility and security. Simply cash what you need for the day and securely stash away the rest. If lost or stolen, they can easily be cancelled and replaced. Many banks offer special rates for account holders, check with your bank for reduced or no-fee offers on traveler's checks.
Take advantage of the hotel safe
Before leaving your room for the day, put extra credit cards, return trip tickets and other valuables in the hotel safe. There's usually no charge for this service and some locations offer individual safes in guest rooms. If still uncertain about the room safe, ask to use to hotel front desk safe or safety deposit box if available.
Be vigilant, not paranoid. While thieves are always looking for an opportunity to take advantage of an unsuspecting tourist, don't let the constant fear of an incident keep you from enjoying yourself. Always be aware of your surroundings and keep valuables such as your digital camera or iPod close to you at all times. Plan ahead and be prepared for the worse if it happens, but don't let worry spoil your fun. After all, the point of a vacation is to leave your worries at home.
