How Purchasing Travel Insurance Can Help You Save Money

§ May 21st, 2010 § Filed under Travel § Tagged , , , Comments Off

Whether you are traveling for business or pleasure, purchasing travel insurance can help save you money. It is the same principle that applies when you buy something of value like a car or a classic piece of jewelery. Should anything happen, you do not want to lose your investment in one day. Most likely, you would want that car or ring replaced at full purchase value. If you have purchased air tickets, you would want to protect that investment as well. Who wants to lose money especially in these dire economic times?

Ways that Travel Insurance Can Help You Save Money

There are at least three situations where purchasing travel insurance can help you save money:

• Cancellation of flights – If you or the airline decides to cancel the flights you are booked in, your airfare will be partially covered by travel insurance. Say if you spent $4,500.00 worth of air tickets for you and your family, and suddenly the airline closes down for business or cancels a flight for any reason, you do not lose all of the $4,500.00 because travel insurance will reimburse that amount. Of course the airline will probably refund you the money if it is their fault, but having travel insurance will compensate you for the inconvenience and trouble. Also, if you cancel the flight yourself, travel insurance will get you back your money.

• Loss of luggage – When you purchase travel insurance, make sure it covers lost luggage as well. Imagine landing in some foreign country with none of your luggage! While most airlines are efficient about recovering lost luggage and delivering them to your door, don’t rely on that efficiency. There have been instances where luggage was never recovered.

• Medical problems – You may be in perfect health when you leave for vacation but you increase the likelihood of getting exposed to viruses or bacteria either in the plane or in your country of destination. There’s also the chance that you could accidentally drink the local drinking water or eat contaminated food. Medical visits in some foreign countries can cost an arm and a leg so you wouldn’t want to spend all your vacation money on doctor’s visits! If you have travel insurance that covers expenses for brief hospitalizations, medicine and emergency situations, think about how much all these could add up if you didn’t have travel insurance.

Tips for Purchasing Travel Insurance

• Ask your insurance provider – If you have an insurance company that insures your car, house and other property, they may also offer travel insurance or they may work with a partner or affiliate who does. Because you are an established customer, they may offer you travel insurance at lower rates. It doesn’t hurt to ask. In fact, in some instances, you may be better off going with your existing insurer than purchase separate insurance from the travel agent who books your flight.

• Go for the whole nine yards – What this means is if you are traveling with the family, you might be better off buying family travel insurance instead of separate insurance policies. It also means that because traveling with children entails more risk than traveling alone, you may want to consider travel insurance that offers comprehensive coverage; that is, plane fares, luggage, and health and medical visits.

• Multi-trip travel insurance – If you make more than one trip every year, you might be better off purchasing an annual multi-trip travel insurance policy. This would save you the hassle of purchasing travel insurance several times during the year. Some travel insurance companies will usually sell you a 12-month package that is renewable yearly and this is a huge convenience if you travel a lot during any given 12-month period. The single biggest advantage of buying an annual policy is that you don’t need to worry about arranging for emergency medical coverage.

• Compare packages and prices – As for most major ticket items, it pays to shop around for insurance. If you know you will be travelling six months from now, don’t wait until the month before your travel date to do some bargain hunting. Start now so that you are not rushed about reading the fine print and you can make a more informed decision about the kind of travel insurance that is ideal for your situation.

Remember to do the cost analysis if you are ever tempted to skip travel insurance. Even if your ticket is discounted, say you paid $600.00 to go to the Caribbean. Travel insurance will cost about $85.00 to $100.00. If you are forced to cancel your trip, you lose $600.00 (restricted and discounted tickets are usually non-refundable or non-transferrable) versus the $100.00 you paid if you had purchased travel insurance. If you want to save money, put travel insurance on the top of your list.

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Cheapest Travel Insurance – Best and Smart Choices

§ May 6th, 2010 § Filed under Travel Tips § Tagged , , , Comments Off

Whenever you plan for a life time memorial Trip, you’ve always dreamed of and you want to make sure that nothing goes wrong. As we all are human being, you are aware that you do not have a total control over your life and that accidents can happen. Cheapest Travel insurance is a necessary item if you are going on a Trip.

Competition on Travel Insurance market is quite in big amount and there are many companies ready to offer  Cheapest Travel Insurance suitable for one’s needs and preferences. Remember that is vital that you purchase travel insurance in order to protect your travel investment.

While searching for a best cheap Travel Insurance, Take in consideration several factors such as: destination and your age and health conditions, journey duration. You should also check if preexisting conditions are covered by your travel insurance or not. You should also check if the cheapest travel insurance you choose has additional features like: travel document loss, optional medical benefits (helicopter for emergency cases), and accidental death during flight. We know these things are difficult to think about but not impossible to happen. It is best for you to purchase full Travel Package.

The trickiest part is finding the best and appropriate travel insurance quotes. You just log on to your computer and go online. There are so many insurance companies ready to offer free travel insurance quotes on their sites. Consider the features and compare figures. Choosing a reputable website can help you obtain instant travel insurance quotes from leading companies and also personalized travel insurance assistance. These travel insurance quotes are always up-to-date and accurate not to mention that there is a wide selection online. You can look at several different travel insurance quotes at the same time online, in a short period of time.

Travel insurance quotes can be easily obtained by completing a form with basic information. After filling out the form, you will receive travel insurance quotes from several companies. These travel insurance quotes show in detail different travel insurance options, deductible and other details. This will help you pick out the best plan based on your need and preferences.

Traveling will offer lifetime lasting memories. So it is in your best interest to look after yourself and purchase full travel insurance in order to feel safe and have fun. There is no reason to be skeptical; purchasing travel insurance is a must.

 

 

 

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Guide to Cheap Annual Travel Insurance

§ May 2nd, 2010 § Filed under Travel § Tagged , , , Comments Off

Vacations are for fun, it means leaving behind your job and responsibilities for a while. Having holiday travel insurance is one way of putting your mind at complete rest. It’s a lot easier to enjoy your trip if you know that you are covered from luggage lost to sickness.

The further your trip will be, the more you will need holiday travel insurance. This is common sense, as international trips are costly, so there’s a need to protect your hard earned travel money. So wherever you go, whether it’s to a local or international destination, it’s very important that you have the necessary insurance coverage.

Cheap annual travel insurance is an alternative choice for those budget- conscious travelers who are making more than one trip a year. The main feature of the annual travel insurance against regular travel insurance is that it saves you money. For a once annual payment, you become covered whenever you travel during the year. The terms and conditions vary between companies, but annual world wide travel insurance for unlimited travel is also available. Cheap annual travel insurance provides substantial cost savings than any regular type of holiday travel insurance.

Here are some tips for choosing your best cheap annual travel insurance:

Sign up with a reputable travel insurance agency that has worldwide offices which can easily be contacted during emergency needs.

The travel insurance agency should have 24/7 customer assistance which is essential for international travelers.

Always make your office’s 1-800 numbers available to you when you are abroad.

The cost of the insurance should not be more than 10% of your investment.

Read the terms and conditions of the policy to make sure you aren’t buying unnecessary or inadequate coverage.

Look for a refundable policy, especially if you have the history of changing your mind too often.

Good value travel insurance should cover at least the following:

a. Flight cancellation insurance or delay

b. Luggage loss and travel delay protection

c. Sickness and accident during the trip.

d. Evacuation support during an emergency situation such as natural calamities

Cheap annual travel insurance is good for you if you take vacations more than once a year. Instead of taking several insurance policies each time you travel, you can make use of a single travel insurance that could save you a lot of money and time. On the other hand, if you travel less often, an annual insurance policy is not for you since you will not be able to recover the cost.

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How to Travel on a Budget – Hostels and Backpackers

§ May 1st, 2010 § Filed under Travel § Tagged , , , Comments Off

Are you on a shoestring budget but still have the travel bug? Or would you really want to experience the day-to-day life of a community, its people and the sights of a certain country that you feel you might not see with a guide. Then, you could enjoy travelling and staying at a backpacker. These are also known as hostels, and are reasonably priced and efficient accommodations that are available worldwide, allowing backpackers a chance to experience the world on a tight budget.

If so, you might enjoy traveling and staying at a backpacker. Also called a hostel, these low-cost and efficient accommodations are available all over the world, giving backpackers a way to see experience the world on a tight budget.

1) Expect To Save Money!

The greatest advantage to staying at a backpackers is the price. These little gems offer clean, safe accommodations at a fraction of the price of a hotel, allowing you to do more or stay longer in the country you wish to visit. If you are going on an extended trip around Europe, or visiting a part of Australia you’ve always wanted to visit, there is a hostel waiting for you.

For example, if you’ve always wanted to see Venice, Italy, you can stay at a hostel for as little as $21 per person for a shared room, or $46 for a private room.

Want to see Paris? You can, for as little as $26 for a shared room or $55 for a private.

Want to bask on a Brazilian beach in Rio de Janeiro? You can, for the cheap rate of $14 for a shared room!

When you consider that the cheapest hotel rate for a single person for Venice runs around $91, Paris at $126, and Rio de Janeiro at $80, you can get a sense of the savings you’ll reap by going the backpackers route.

2) Be Prepared To Be Friendly.

Besides being low cost, backpackers tend to be a great place to meet other travelers. In fact the layout of the hostel encourages getting to know other visitors more so than a hotel or motel. Unless you request a private room you’ll stay in a dormitory-style bedroom, often co-ed. Most have a common area to gather and socialize, as well as a kitchen and an area to do laundry. It’s a great way to get to know people, but if you’re shy or value your privacy, you might want to think twice about staying at a hostel.

3) Carry Proper ID.

If you’re traveling in your own country, you’ll still want to carry proper identification, such as a photo driver’s license, passport or state/country ID. Most backpackers ask for more information than a hotel or motel would when staying with them because they want to ensure the safety of their guests.

Also, because of their cheap prices, hostels want to make sure that locals aren’t taking advantage of their hospitality, thus taking space away from an international traveler who really needs the cheaper accommodations. If you don’t have a passport, you might want to invest the time to get one, even while traveling your own country, just to give yourself one more ID choice.

4) Pack Lightly!

If you’re a true backpacker, you’re going to travel from hostel to hostel with your clothes on your back. You’re probably going to use local transportation, such as the bus or subway system, or your own two feet. Even if you’re not packing your way from hostel to hostel, keep in mind you’re not going to have a ton of space to toss open countless pieces of luggage. In either case, you don’t want to carry a ton of clothing and valuables to weigh you down and keep you from enjoying your trip.

What will you need?

- A sleep sheet: two sheets sewn together to put on your mattress so you can sleep in your own, clean bed. Some hostels rent them. Most hostels don’t allow sleeping bags because they offer ample places for bedbugs, fleas and ticks to hide in. Most hostels offer clean blankets.

- Toiletries, such as soap, shampoo and toothbrush

- Your own towel

5) Lock Up Valuables.

Although backpackers offer a secure and safe environment, you don’t want to take a chance of losing your more expensive personal goods by leaving them about. Just as you would in a hotel, you want to keep your valuables safe when staying in a backpacker. Most hostels offer a locker or safe of some sort to store valuable items while you’re out. You could also invest in a lock and key before starting your trip to keep handy in case it’s needed.

6) Check for bedbugs!

Unfortunately, bedbugs happen everywhere, be it a five-star hotel or a backpacker. These little pests do suck blood but don’t transmit any diseases, and aren’t any more pesky than a flea bite in most cases.

However, they do carry the stigma of a place being ‘dirty’ if you discover them. This just isn’t so. The cleanest, most expensive accommodations can have them. It’s important to know what they look like so you can tell the backpacker host/hostess. They will take the proper steps to clean the room and get rid of the little pests, since no one wants bedbugs around.

Bedbug signs:

- Most people think they’re so tiny you can’t see them, but this isn’t so. Bedbugs are about 5mm long, oval in shape and brown in colour.

- Check for flecks of blood on the sheets, mattress seams and bed slats

- A large bedbug infestation has an almond-like smell that’s very unpleasant

Bedbugs like to sneak into clothing and gear to travel to the next location with you, so if you think you’ve been infested with bedbugs, you should:

- Wash everything you own in the hottest washer setting and then dry on hot for at least 20 minutes-this includes your backpack!

- Wash yourself in a hot shower

- If something can’t be washed, check it carefully for signs of bedbugs

- Tell the backpacker hostess/host or staff so they can clean the room thoroughly

7) Learn the Etiquette.

When traveling in a different country or even in your own it’s important to know the proper etiquette and rules for that area to enjoy your backpacker stay. For example, some countries don’t allow smoking in public areas and others may have stipulations about drinking alcohol, such as age. You don’t want to end up breaking the rules and find yourself without a place to stay, or worse, locked up in a foreign jail cell.

You’ll also want to check if your backpacker observes a curfew or lockout times. A curfew means that unless you want to find yourself sleeping outside, you’ll be in the hostel at that time. You’ll also want to learn if there’s a lockout time, meaning the backpackers is closed for cleaning or to give the hosts time to run errands, so you can plan accordingly.

8) Book Online.

To ensure you have someplace to stay when traveling, you’ll want to book your stay in advance. The easiest way is to book your backpacker stay online. BUG (http://www.bugeurope.com) and Hostels.com offer accommodations worldwide as well as online booking. You can also see how others rated their stay and compare between other backpacker locations in the same city.

In Conclusion:

Going round the world or even travelling through your own country can be exciting and fun when staying at backpackers hostels. Providing you don’t forget to take proper ID, stick to the rules, check for bedbugs and pack suitably, you will be able to mix with the locals and save money while you travel. You may make a few new friends along the way!

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Online Travel Insurance Comparison Makes Purchasing Simpler

§ April 21st, 2010 § Filed under Travel Tips § Tagged , , , Comments Off

As the summer holiday season approaches, you’ll want to start thinking about your holiday plans in detail. You might have already picked your holiday destination of choice, booked your flights and secured your accommodation – but have you really covered every possible aspect of your holiday plans? The chances are you haven’t yet thought about travel insurance, especially if your holiday is still a couple of months away. However, the earlier you think about buying travel insurance, the better; and buying travel insurance online is sure to help you find the most appropriate holiday cover.

Traditionally, travellers would buy insurance on the high street or via a travel agent. But the widespread proliferation of the internet in recent years means that online travel insurance sites – run by travel agents, large insurance companies and independents – have shot up in number. Buying your travel insurance online holds a number of advantages for the consumer – not least the fact that you’ll be able to think about which travel insurance option is right for you without being pressured by salespeople.

Browse any online travel insurance provider’s site and you’ll be able to compare benefits to see which policy is best for you. For instance, if you’re planning a week’s trip to Paris to sample some of France’s best art museums, galleries, and to get a taste of fine French dining, it’s unlikely you’ll need anything more than a basic travel insurance package. This will usually cover essential items, such as your passport, baggage, personal items and a limited amount of medical cover.

However, if you’re hoping to head off to the French Alps on a skiing holiday, you’ll need special winter sports cover. This will insure your expensive skiing or snowboarding equipment and, if it is a quality policy, it will protect you against any unexpected developments in your holiday, including avalanche closure, piste closure and even UK physiotherapy if you return from your holiday with an injury.

What’s more, if you opt for online travel insurance, you’ll find that your cover can insure more than just accidents and mishaps during your holiday. For instance, if you’re a scientist, journalist or researcher who’s travelling on an expedition to a dangerous region, or if you are visiting a Pacific Island at risk from volcanic eruption, or if you’re a businessman and you want to protect your business documents and samples from being lost or stolen.

With such a wide variety of concerns to think about on your holiday, it’s important that you consider your options carefully before you choose which travel insurance policy is right for you. Buying your travel insurance online allows you to do this in comfort and with ease – so why delay any longer! Get your holiday cover online and set your mind at ease.

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