If you love a mystery, consider a vacation on Kauai, Hawaii.

The mystery involves the neighboring island of Ni’ihau, Hawaii. The Robinson family has owned this island since 1864 and does not allow tourists. Ni’ihau is the westernmost of the main Hawaiian islands, measuring 550 square miles.

Ni’ihau (Nee-ee-how) is separated from Kauai by a 17-mile strait. Standing on the Kauai shore, you can see Ni’ihau slung low on the horizon. If you could go to Ni’ihau you would hear native Hawaiian spoken. In fact, it’s the only place you can go to hear native Hawaiian spoken as a living language. Hawaiian is taught in the island’s K-8 school.

Islanders of course are free to leave and come back, so many of them do. They need to in order to get provisions from Kauai to live on the dry island, which is in the rain shadow of the ancient volcano cone on Kauai, Wai-ale-ale, “the wettest spot on earth” at 460 inches per year of rainfall.

Ni’ihau has supported plenty of sheep over the years. The Robinson family maintained sheep ranches there for many years.

The women of Ni’ihau string tiny shells into complex shell leis, a stunning folk art. Their families comb the beaches to find the miniature, pearl-like shells, collecting them in a variety of colors–whites, browns, and reds. Then they sort the shells. The artist uses a simple awl to make a hole in each tiny shell, breaking at least half of them in the process. Because there are no cars on the island, bicycles are plentify, and her awl may be made from a recycled bicycle spoke.

The Ni’ihau shell leis are precious in part because the shells are rare on other Hawaiian islands. Kauai, for example, was home of sugar plantations for many years. The agricultural runoff has destroyed many of the sea creatures that make shells.

So, how did Ni’ihau form? Was it the first Hawaiian island, at the opposite end of the chain from the most recently formed one, the Big Island of Hawaii? Ancient Hawaiians thought it was the first one, the original home of the volcano goddess Pele, who hopped islands over the ages and is currently living in the active volcano on the Big Island. But scientists say that Kauai is the oldest island, and that Ni’ihau is a side vent of the volcano that formed Kauai. Ni’ihau is flat and sandy, except for an eroded lava dome on the eastern side of the island. There are also two freshwater lakes.

Mysterious Ni’ihau lies in the distance. You’d love to go there. So you look for maps and pictures of the place. But what if you just have to go there? In fact, the Robinson family will let you come, for a healthy fee. A few helicopter tours to remote teaches are allowed now, as well as some hunting safaris to cull feral bighorn sheep and Polynesian boars. You can always scuba dive offshore, too.

Access to Ni’ihau is from Kauai, 17 miles away. While you’re on Kauai, you’ll want to play on the beaches and in the surf. You’ll also want to look at the stunning natural wonder that is the Na Pali coast, the northwest side of Kauai.

A visitor’s health insurance policy helps take the worry out of traveling abroad. The policies are customized for the type of traveling you are doing, whether you are traveling for pleasure, or are traveling for business. Visitor’s health plans cover a broad variety of health concerns.

There are also policies designed for students furthering their education in a foreign country. These types of policies are valid for the longer periods of time it takes for educational endeavors. No matter your purpose for travel, there is a policy to fill your needs.

Apart from all the variations in the term of coverage and amount of premiums, there exist a set of points which you have to consider before buying any policy. Here are 5 things which are common to every policy and are necessary to be considered before buying any visitor health insurance policy.

Type of benefit provided by the insurance policy: A visitor insurance policy is categorized in two categories on the basis of benefits provided by the insurance policy. The two types of benefits provided by the policies are Fixed Benefit Plans (also called as Scheduled coverage plans) and comprehensive coverage plans. A fixed benefit plan will cover the medical expenses up to a fixed limit, whereas a comprehensive coverage plan will cover the medical expenses up to the limit of policy. Comprehensive coverage plans have higher premiums but they are more beneficial than fixed benefit plans sometimes. So you have to choose which one suits best according to your needs.

Preferred Provider Network: Sometimes an insurance company will require that you have any medical procedure done by one of the pre picked doctors or hospitals on their list of providers. Other insurance companies will cover treatment from almost any doctor or hospital. Be sure you know which one you are getting.

AM Rating: Before you buy a policy from a specific company, check out their reputation so you can see if it is the type of company you want to do business with. You can find out the caliber of the service they provide.

Looking at the customer comment page on the companys website can give you an idea of what they are like. You can also go in search of ratings companies like A M Best Ratings for an unbiased look at the kind of service the company has provided.

Refunds: Travel plans can be affected by many things. There may be delays, and even cancellations. If you have find that this happens with your travel plans, you may seek a refund from the company that issued your insurance policy. In which case you may receive a full refund and you may receive a pro rated refund. This is a detail you will want to know about before buying your policy.

Renewing: This is in contrast to seeking a refund. You may be seeking to prolong your travels and thus you will want to increase the time that your policy is valid for as well. Not all policies can be renewed, or your coverage may decrease during the added period of time.

These 5 Points will help you cover all the bases when searching for your Visitor’s Health Insurance policy. Keep an eye out for them in your search.