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Sunday, December 2, 2012

5 Essential Travel Insurance Facts You Need to Know

Insurance is not most peoples' favourite subject. Not many wake up in the morning saying "Hey, I'm really looking forward to buying some insurance today!" This is as true of travel insurance as any other. But it is vital you buy it before you head off somewhere exotic. So what essential travel insurance facts do you really need to know?

Preparation is Key

How many times have you been told this? But for travel insurance, preparation is vital. You should buy your insurance as soon as you have purchased your flight or other travel tickets. Only insurance will cover these costs if you have to cancel everything even before your trip has started. So buying as soon as possible is recommended.

Don't Buy at the Airport

Far too many people buy this essential travel insurance at the airport, thereby throwing away a fortune in higher policy costs that could have been avoided by a little forward planning. Of course, prices at the airport are very high, being considered effectively as a panic purchase. Furthermore you will not have a great deal of choice so you may not get the cover you really need. Please don't leave it to the last minute.

Use a Travel Insurance Agent or Broker

This begs the question of where should you buy your insurance. There are plenty of excellent brokers and agents who will give you a great policy at excellent prices plus valuable advice thrown in for nothing. You just have to search a little. Ask your friends for recommendations as to who they have used or check the telephone directory and do some phoning around. Better still check online.

Go Online

Use the internet to do all your research and to find the very best deal as companies almost always offer lower pricing online and insurance is now very easy and quick to buy in this way. Just use one of the major search engines to refine your search. In fact, travel insurance accounts for a huge volume of online transactions today and provided you take the usual basis precautions suggested for online transactions you will be fine.

Check the Small Print

How many times have you heard this and never paid any attention. Well, as far as getting that essential travel insurance is concerned it is highly important to read everything before you pay for the policy. Knowing what you are covered for will ensure you avoid a situation where you have an accident on vacation and suddenly find yourself hugely out-of-pocket with no hope of recovering the expenses incurred.

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Baja Peninsula Road Trip Vacations

The Baja California peninsula has been known for its beautiful beaches and relaxed vacations for many years. The stunning coastline and gorgeous resorts are certainly still a huge draw for tourism. However, there are also some fascinating road trips on the Peninsula that make great vacations. Whether you want to tour historic mission sites like the San Francisco de Borja Adac Mission or you want to peruse the rolling wine country or take in the sites at the Sea of Cortes, you will want to be aware of Mexican auto insurance laws. In Mexico, when there is an accident, you must have 'proof of financial responsibility.' This can either be Mexico auto insurance from a Baja insurance policy or enough cash to cover any damages.

Even if the accident is not your fault, this law that regards Mexican insurance is still applicable to you. Insurance policies that are not Mexican auto insurance policies do not fulfill the requirements of Mexico auto insurance liability law. If you are planning a trip from the Sierra de San Pedro Mártir to the Valle de los Cirios, you will probably want to get a Baja insurance policy. Don't let your vacation be ruined by an unforeseen accident when you can get Mexican insurance online from a Baja insurance company to protect you while traveling.

Baja insurance can help you while you enjoy the gourmet dining and boutique shopping in Cabo San Lucas or in the world-famous border town of Tijuana. You can get exactly what you need in Mexican insurance online. Mexican auto insurance can also cover your motorcycle, RV, or bus on your trip to Baja. You can make sure that you are prepared for possible accidents on church trips, family vacations, or when taking community tourist groups to Mexico with Mexican insurance online.

Mexican auto insurance can prevent trouble with the authorities and large fines, not to mention a complete waste of your vacation time while you try to straighten out the problems associated with a car accident. Your Mexico auto insurance coverage gives you the proper proof of financial responsibility that can help get you on your way quickly after an accident. Your Mexican insurance online can also provide roadside assistance and other helpful services on your trip to Baja. Protect your vacation experience with Mexico auto insurance so you can enjoy the Baja California peninsula from Ensenada to Cabo San Lucas.

Winter Sports Travel Insurance: Essential Planning For Any Winter Vacation

Winter sports travel insurance is considered to be a great way to safely prepare for a winter vacation. Regardless of the place you intend to spend your vacation, you can still expect the insurance to work suitably for your needs. Here are other tips that are capable of helping you enjoy your winter:

1. Dream List: Create a list of the different places that you intend to visit during winter. When making the list, make sure that you consider factors like your budget, logistics and the amount of time that you want to spend in there.

2. Amenities: Include in your list places that are capable of providing you the kind of amenities that you desire. If you are travelling with your kids or an elderly relative, then you also have to make sure that you look for a place that can offer activities that are suitable enough for everyone in your family. In addition, think about other comforts such as an old-fashioned fireplace or easy access to ski hills.

3. Research: Gather as much information as you can get about each of your choices. You can obtain a lot of accurate details from the tourism website in your state, travel agent, travel guide, close friends and relatives. Once have some research notes prepared, it will be easier for you to make decide what kind of winter vacation you want.

4. Activities:Make sure that you research the restaurants, hotels, nightlife, facilities, and family activities of each of your choices. It is also important for you to check out the pros and cons of your planned destinations to ensure that you are able to pick the best choice.

5. Access: Choose the most suitable place for you and start making early reservations for your flight and hotel accommodations.

6. Insurance: Look for an insurance company which is capable of providing you a good winter sports travel insurance coverage. You have to find a legitimate one to ensure that you are prepared emergencies and mishaps during your trip. If you are planning on undertaking high risk sports like snowboarding or mountain climbing, you might need extra coverage.

7. Packing List: Create a list of the items that you need to bring on your vacation. Check your list several times to ensure that you are able to bring with you everything that you and your family need.

8. Weather Forecast: During that time when your flight is already near and you are already doing some packing, you have to make sure that you constantly check out the weather forecast on the place that you are planning to visit. This will allow you and your family to have a safe travel.

9. Winter Clothing: Make sure that you pack clothing items that are not too light so as to keep you freezing during the winter season and not too much so as to give you a hard time maneuvering your things. When it comes to this, you are advised to make a plan as to the most functional clothing items for your winter vacation. In order to pack the right clothing, refer back to step 4 - what activities are you planning on during your vacation?

10. Winter Accessories: Although many winter resorts will sell winter gear, it is best to bring your own equipment from home. Suggested accessories for winter travel scarves, ear muffs, gloves, sunglasses and warm caps and hats. If you're freezing, you will not be able to enjoy yourself very much. If it has been a long time since you put on your winter coat and other accessories, try everything on before you go to make sure everything still fits and is in good condition. If it does not fit, then it is time to go shopping.

All of these tips are useful in making sure that you have a wonderful winter vacation whether you go to Aspen, Switzerland or Banff. But of all the tips, one thing that you should never forget tip number 6: get yourself and your family winter sports travel insurance. This will save you from facing all of the financial consequences that may become apparent whenever emergencies strike you.

Travel Insurance: More Than Just a Nuisance

Travel insurance is an annoyance! Admit it, a number of you have probably groaned about getting it at one time or another. Understandably so - going on trips requires a lot of preparation in itself. You have to reserve and pay for accommodation and plane fare. There is also the added issue of having to inform your boss at the office about taking a leave of absence a few weeks in advance so he/she can delegate your tasks to colleagues or subordinates during the time you are gone, not to mention the mundane tasks of having to pack up the bags, pay all bills that might have to be paid, and getting your passports, cash, and credit cards in order.

Having to worry about this travel insurance nuisance can seem like an unnecessary burden to many in light of all the above considerations, not to mention the additional expenses that may be added to the cost of going on the trip - or it taking a large chunk of a traveller's designated travel budget, which leaves them with less money to spend on anything else. However, it is definitely nothing compared to being in a number of terrible, costly situations that travellers may end up unwillingly brushing up against during their trips abroad, let alone if they end up experiencing these problems while uninsured, such as, but not limited to, the following:

A. Accident that leads to either death or serious injury during the holiday, B. Meeting a road accident that turns out to be, in the eyes of the local authorities, your fault, C. Losing your bag, passport, credit card, and other pertinent documents, D. Being forced to cancel your whole trip or even portions of it due to an illness, E. Getting sick and needing to get confined in a hospital while abroad, F. Having your flight suddenly canceled because of an unexpected weather disturbance or mechanical problems with the plane you were supposed to ride, and G. As a result of E, having to rebook your accommodation because you could not make it in time to the place you were supposed to stay in.

In this day and age of extensive internet connectivity, it is not as hard as in the old days to get travel insurance. Sydney, Melbourne, or some random Outback town, it does not matter where you are since travel insurance is now merely a click away. With Australia being a nation of travellers, there are hundreds, if not thousands, of companies willing to provide you coverage. Most legitimate travel insurance firms' sites are able to provide you with quotes, list down a full range of packages and what it can cover, and terms and conditions of coverage (which vary by company). However, many may not provide the kind of coverage you may need, so it is necessary to have to do some annoying, time-consuming research in order to find the right insurance company for you before paying and hopping on that plane out of the country.

While it is true that many people end up not needing to use it, if you by some misfortune brush up against some kind of trouble during your trip, at least you can have a little bit more peace of mind in dealing with the situation at hand. So Australia, please do not forget about the annoying travel insurance - you may never know when you may need that. Besides, it may be your best mate during those unfortunate times of stress while abroad.

TATA AIG Travel Insurance for Travelers Going Overseas

In many corporate companies, the employees would be under great work pressure and would like to rejuvenate. Quite often these people would like to spend their free time on a holiday by travelling to foreign countries. They can explore the rich and sophisticated life while spending some time abroad. A person can improve his knowledge about different people, places, cultures... Overall travelling is an important factor which helps a person build global learning and knowledge. While on a trip there are situations like an unforeseen medical emergency that people might come across which might ruin their exciting journey.

While on a trip along with a traveller's passport, other possessions and luggage, an important and right kind of overseas travel medical insurance is also essential. Travelling abroad without overseas travel health insurance could land a person in a financial disaster. Most people think they are covered if they already have existing domestic health insurance, but this is not true. Overseas travel insurance is very much required and covers while the travellers is outside the home country. Also if the travellers are in a foreign country, some hospitals might admit them without caring about coverage but later they will not discharge them until the travelers pay a huge sum of money for the treatment.

There are many insurance companies, each of them providing different insurance plans. The travel and medical needs while abroad varies from one traveler to another. Based on these needs, a traveler can choose among the different plans provided by different companies. TATA AIG is one of the most popular insurance companies which provide overseas travel insurance for people travelling abroad. The plans designed by this company available with effective medical coverage and reasonable premium cost.

TATA AIG insurance company has designed different travel insurance plans which can satisfy the different needs or requirements of the traveller. The travellers who are going abroad can choose from Asia Guard insurance, Travel Guard insurance and Annual Multi Trip insurance plans. Asia Guard insurance can be selected by travellers who are visiting the Asian countries. Annual Multi Trip is suitable for travellers travelling overseas multiple times during a year. TATA AIG overseas travel insurance plans provides benefits like Coverage of Accident & Sickness Medical Expenses, checked baggage loss, baggage delay, loss of passport, personal liability, hijacking, trip delay, personal accident, etc. The maximum coverage benefit is up to $50,000 (Silver plan), $2,00,000 (Gold plan)or $5,00,000(Platinum plan).

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Travel Website Insurance: Go Places With Insurance

There are annual policies which allow one to take any number of trips for the year to any destination on the globe. Then you have the family cover, which enables the kids in the family to travel free of cost. This policy is popular with family tours. A backpacker travel insurance policy, which provides you high coverage, is normally meant for extended period of travel - it includes at least one visit back to your home country.

Travel insurance websites have plenty of visitors. At times, over 6 million page visitors are there in a calendar year. These websites are so popular and widely used that an annual award called the Travolution Awards are given to the companies with the best performance, functionality, clarity of products and more crucially, for the credibility of services. These are the key ingredients that make a company worth visiting.

Companies work hard to ensure that their sites are visited time and again. They also make sure that the sites are user-friendly, easily accessible, and clear-cut to the last detail. Some sites have even branched out with medical screening system; others provide help care centers and personalized my account sections in order to make it easy, smooth and useful for their customers. Time and again companies find that their websites and services are good and that is why customers are happy and keep returning to them to avail of their services, for even things like airport parking and airport hotels with them.

Air Trips and Coverage

Air trips have the widest coverage of insurance policies. They are children's travel insurance, pregnancy travel insurance, group and superior travel insurance, sports travel, research travel, long stay and even gap year travel insurance.

What is Travel Discount?

Travel insurance companies in order to garner more customers offer all kinds of bonuses and benefits. Attractive schemes and offer plans are always on the agenda of any travel agency; discounts being one of them. Some companies provide a 5% off if the customer books 3 or more tours. When one purchases in bulk, it turns out to be a wise and thrifty way to adventure tours. Three or more gap tours can result in a 5% off each trip. This can save you a lot of cash. It can stretch your budget a little further with the extra savings. Discounts must be availed of when one books one's tours.

What Is Tourism Network?

Tourism Network is fast developing and expanding. Some of the tourist network enterprises offer one home stays, farm stays, guest houses, hotels and resorts. More and more travel operators are focusing on the segment of accommodation. Tourism network is an integrated system that helps aggregating all budget options. So it is advisable to make plans and avail of the facilities that are offered.