My sister is willing to pay for me to go on a coach and group tour to NYC, Washington DC AND Niagara Falls, which apparently works out cheaper than a sole city break to NYC, AND I get to have company. The tricky bit is, I'm going to have to arrange my own travel insurance and credit card (for emergencies). The credit card I think I can manage, as I imagine all I have to do is apply for it, but what about the travel insurance? How do I get the best deal? And do I have to mention any medication I'm taking? Any advice here surely would be appreciated, thanks!