Coverage of Travel Insurance
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Image Source: atha.co.uk
When traveling, it pays to be covered by a travel insurance policy - just make sure that the one you bought is what you actually need because otherwise, you will end up spending more. The usual travel insurance package includes the cancellation or shortening of your trip, medical emergencies, if your money or luggage had been stolen, or if your luggage had been damaged. It also covers personal liability, compensation for permanent disability or even death. Check your policy for limitations and exclusions. If you are the sporty type, go over the policies regarding coverage of dangerous activities like snowboarding, wakeboarding, white water rafting or excursions to very remote areas. Expenses brought about by terrorist incidents are definitely not covered. Very expensive items or piece of luggage may not be included or need to be covered by a separate insurance. Some insurance providers do not cover people beyond the age of 65 or 70 as the case maybe, or if you have an existing medical condition
this might not be covered too. It is wise to be informed of these limitations and exceptions to avoid confusion, disappointment or shock, due to the hefty bill you received which you thought were included in you travel insurance.
Buying Insurance Online
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If you’re purchasing a trip or flight online, and you are offered the option to purchase trip insurance or trip protection plans, please be sure to read the fine print, or find out all you can about the coverage. While travel insurance can cover a variety of risks, such as medical expenses should you be injured or get into an accident during your trip or loss, theft or damage to your baggage and personal possessions, there may still be some strings attached. There are some factors an insurance company might require to be present before they accept your claim. For example, while some travel insurers cover the reimbursement of trips you cancel, they will usually only due to this if there is a valid reason, such as death or hospitalization of an immediate family member. Canceling a trip because your leave request was not granted will usually not be honored.
Some policies also commonly exclude pre-existing medical conditions, injuries or flight interruptions due to war or terrorism, pregnancy related expenses or injury or illness caused by alcohol or drug use. Usually too, you can only purchase travel insurance during the purchase of the trip itself, not after.
Annual Travel Insurance?
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Image source: www.italylogue.com
One type of travel insurance is called annual travel insurance. It’s not for everybody, but it can save you a lot of money if it meets your needs. Annual travel insurance is just like all other types of travel insurance except that it covers all of your travels for an entire year instead of only covering one trip. This type of insurance is perfect for people who travel several times throughout the year.
There are many benefits that come along with annual travel insurance. For starters, the premium for annual insurance is much lower than that of several single-trip insurance plans. There is also less hassle. You only have to purchase one plan instead of purchasing a plan each time you travel. All in all, annual travel insurance is a great deal if you do quite a bit of travelling.
Pet Travel Insurance
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Ok, so you have everything prepared. Your suitcase is packed, the pet carrier is in the car, the travel arrangements have been worked on. You feel like everything is perfectly fine for this family vacation except for the protection of your pet. You weren’t able to purchase a pet insurance for your lovable pet!
Pet travel is as risky as human travel. Are you aware of the fact that your pet can suffer from injuries or might be ill just like you do? Having a pet insurance can really be fun and enjoyable. Purchasing one can assure you that in case such incident happens, everything is well taken care of.
Baby Boomers Booking Travel Packages On-line
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Forrester Research recently gave credits to the Baby Boomers for the success of online travel booking. The Baby Boomers are showing interest in package travel opportunities. President John Kamm of TourTech explained that the market is already shifting to tour operators.
Baby Boomers are determined to make the most of their lives. They do everything to be healthy, work hard to be wealthy and are always on the go when it comes to adventures, group travels and other recreational activities that’s why package tour operators are considering these in their plans. The availability of the internet makes it easy for Baby Boomers to choose and book for their much anticipated vacation.
Make Your Own Travel Show!
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It is interesting and fun to create your own travel show and why not? With websites like YouTube and Revver, you can freely upload your videos and gain some audience.
To start with your travel show, get the stock stock footage of the various travel documentaries of the shows and take them along with you on your travel to the destinations they have been. Take along your handy cam and try to mimic your famous show host and make your own home video. You can always sell your home video to TV channels that allow freelance work or broadcast your video after they are satisfied with it or upload them in youtube and start a travel show online.
Hijacking?
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by: Christine Zafra
If you’re up there, you’re out of land authorities’ reach. Ever since the 9/11 attacks, a lot of people have been more conscious about travel insurances. Hijacking is covered by it even though the said cover will only be enjoyed by the policyholder AFTER he/she survives the feat.
Although some hijackings had bad results, there are some high profile hijackings that were controlled by the authorities. So, what will your travel insurance cover if this mishap will happen to you? Well, if the hijackers order the pilot to land the plane on an isolated island or another place perhaps and they let you go, lose all your luggage in the process and then get sick or PTSD in the long run, the travel insurance will definitely cover the loss of your luggage and medical treatment.
Photo taken from http://www.cartoonstock.com
World Nomads, a travel insurance company and a whole lot more!
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by: Christine Zafra
World Nomads, from the name itself, is an online travel insurance company. You can have an online quotation in their website if you wish to compare prices. Once you enter their website, you will have to choose which country you reside in, your supposed destination, specifics of the travel (whether international or domestic flight), the time your policy starts until the end date and your chosen type of policy (single or family).
World Nomads claims that they offer at least 50% off travel agent prices. True! Since for a six month coverage, it’ll only cost you about $240.00. Plus, they’ve got great services in their website. You can download an mp3 guide of the major languages of the world (for conversation purposes) and put it in your iPod! Are there any deals sweeter than this?
Photo taken from http://www.decentlyexposed.com.au
Getting Through Customs – Part 3
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Read and fill out the forms cautiously. A list of items that are considered illegal is written at the back of the form, and clear guideline in filling up the form is outlined.
Declare everything that you have, specially if you’re not sure whether the items you have are considered legal. They don’t accept the reasoning that you don’t know.
Don’t create a fuss if the bag inspection is taking a long time. It may be a basis for sending you to a second screening.
It is possible to request for an agent of the same sex to do the search.
Getting Through Customs – Part 2
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Here are a few tips to get through customs without any argument:
Don’t bring agricultural products like flowers or farm produce as this could take a lot of your time in the inspection area.
Carry a copy of your passport. It is acceptable for some officials when you have misplaced your passport, or at least they could give you some leniency.
Don’t se your cellphone. It is not quite clear what the reason is behind this rule but they do sequester them when they see you using it.
Avoid making jokes or clever answer to customs officials. They would think that you are hiding something or else you’re up to something ominous.