Travel Insurance - Bringing You Home

Overseas travel is one thing that people all over the world aspire to. Whether cruising around the Greek Islands on a luxury yacht, sipping brandy by the fire in a Swiss chalet after a day of skiing; or elephant spotting in Kenya, an overseas trip can be the adventure of a lifetime. Unfortunately, though, it can also be the disaster of a lifetime unless due diligence is carried out prior to setting off.

Along with passports and plane tickets, one of the most important things to remember before travelling overseas is to arrange Travel Insurance. Not just any "cheapest-you-can-find" travel insurance, but a policy that will take good care of you should the unforeseen occur.

Types of travel insurance vary from company to company and it is well worth your while to spend some considerable time shopping around before committing to one policy. Remember, what is considered an acceptable risk by one insurer, may be excluded by another. Definitions of terms may also vary.

Take terrorism, for example. Most insurance policies will exclude acts of terrorism from being claimable events, however, the definition of what constitutes a terrorist act can vary between insurers. What one insurer may deem as an act of violence and therefore claimable, another insurer may deem terrorism and deny any claim.

In this age of terrorism threats and war-torn nations, travellers should always heed governmental advice as to whether or not travel to certain regions is recommended. If deciding to travel to a country despite government warnings, it may be difficult to obtain travel insurance at all. If it is obtained, it will probably be very expensive and its cover fairly limited.

It is crucial that you understand exactly what is and isn't excluded from the policy before you sign on the dotted line. Indeed, being aware of the exclusions is, arguably, even more important than knowing what is covered. Get clear in your mind the insurer's definition of claimable and non-claimable events. If at all possible, endeavour to get those definitions in writing.

Get the language right. Ask as many questions as it takes to know exactly where you stand. Remember, the only dumb questions are ones that haven't been asked yet and given a voice. If going through a broker or agent, double check with the insurer if uncertain of their answers. It's wise to remember too, that no insurance policy is going to cover you for every single thing that could possibly happen on your holiday. The prudent traveller will ensure, however, that what he or she needs to be covered for will be.

For example, does the policy allow you to participate in "adventure activities"? If you're going bungee jumping in New Zealand or white-water rafting in Canada, make sure your insurer knows about it and will cover you for accidents occurring during such activities.

Is your luggage excluded if left unattended? What does "left unattended" mean? What if you leave it in a taxi? What if you walk two metres from it to buy a chocolate bar from a vending machine?

It's a good idea to also familiarise yourself with claims procedures before departing so as to avoid the "paper frenzy" in the event of an accident. Some policies have a time limit for reporting claims. In some cases, the incident must be reported to local authorities within twenty-four hours in order to claim.

Be aware too that some countries may not recognise all insurance companies. This could pose a problem if hospitalisation is required. If the insurer isn't recognised in that country you may not get hospital treatment. Make sure that the insurer has a global reputation.

It's very expensive to be injured overseas. For instance, medical evacuation from the United States to Australia can cost anything from $80,000.00 upwards. If a stay in hospital is required, the bill could run into hundreds of thousands of dollars. And you thought shopping in Beverly Hills would be fun....

It's also dangerous to be injured overseas, particularly in countries where medical facilities may not be as well equipped as at home. Again, the evacuation costs can run into many thousands of dollars - and no insurance means a lifetime of debt.

Travelling without the right travel insurance is like walking a tightrope without a net. Sure, it can be done, but one tiny slip and it's too late for "If only"s. And chances are, it will be your loved ones at home who will mortgage their houses, cash in their superannuation and face considerable financial hardship in order to bring you back to the fold.

All in all, travel insurance is one thing you should definitely not leave home without!

by Jim Christian
About the Author
QuoteSphere was developed to help those that are in the middle of an insurance crisis. In the United States we have seen a continuing rise in the cost of Travel Insurance, and there seems to be no end in sight. The cost of travel insurance has taken the largest increase at 65% in the past 3 years. http://www.quotesphere.com

Cruise - 5 Answers for first Time Cruisers

Congratulations! You have decided to take a luxury cruise for the first time, and you are bound to have a great time. Most first time cruisers have many questions about what to expect, so we have put together this list of five things that novice cruisers need to know.

1. What does the price of the ticket include? This depends on the package you purchase. In general, the base cost includes your accommodations, entertainment, activities, meals, and use of facilities on board the ship. If you choose to do so, you can add on airfare to your package, which covers the cost of air travel to and from the embarkation point and often also includes baggage handling and transportation between the airport and the ship.

Most cruise packages do not include the cost of soft drinks, alcoholic drinks, guided shore excursions, or optional shipboard services like a massage, spa treatment, photographs, access to the internet, etc. Many cruise lines also add an automatic 15% gratuity to the cost of drinks, and you will also need to tip your steward and waiter at the end of the cruise. Check with your cruise line in advance for a complete list of what is included in your ticket price and what will cost extra.

2. How do I know which cabins are the best? This depends somewhat on personal taste, but the first consideration should be the location of your cabin. Midship cabins are generally the most popular because they are the least likely to be noisy or subject excessive motion sensations. When you book your cabin, check to see if it is close to anything that will make potentially bothersome noise, such as a loud disco or a kitchen area. Most experienced cruisers will also opt for an outside cabin that has a window, a relatively inexpensive upgrade that will do much to enhance your time in the cabin.

3. What do I need to bring with me? The items you need to bring with you will vary somewhat depending on the cruise line, the ports you will visit, and your own personal preferences. In general, you should plan to bring along the following:

Documentation - Tickets, identification and proof of citizenship.

Clothing - Bring clothing appropriate for weather conditions at your destinations, as well as shipboard clothing for relaxation and evening meals.

Other items - Check with your cruise line for a complete checklist of suggested items to bring, and do some research on the internet as well.

4. What happens when I arrive at the ship? In general, when you arrive to board the ship you will go through a check in process that proceeds something like this:

 Luggage given to porters for delivery to your cabin  Documents checked and verified  Shipboard ID cards and cabin keys received  Security screening

Once on board the ship you will either be given a map with directions to your cabin, or on some ships, there will be a steward or other attendant who will take you directly to the cabin.

5. How do I find out about ship activities and shore excursions? Most cruise lines will give you an introductory newsletter when you board the ship, which typically includes a complete list of scheduled activities and available shore excursions. Additionally, you will probably receive some a daily update sheet with reminders and scheduling information.

Some ships offer an orientation meeting, usually about 30 to 45 minutes in length, where the cruise director or designated crewmembers will provide information and tips about how to make the most of your time on the ship. If such an orientation is available, it is a good idea to attend as a way to learn about all of the options at your fingertips and decide what activities to choose that will enhance your luxury cruise experience.

by Bruce Pickett
About the Author
Bruce Pickett ACC is an award winning travel & cruise consultant, self taught, experienced, & motivated to help people find cruising value. He has authored articles on cruising to make it easy for people to create cruise holidays, quickly & without stress. Learn 5 essential facts to cruise value and get free weekly tips & be included in a free draw by visiting Five Star Cruising.

Have You Ever Tried A Cruise Vacation? 10 Reasons Why You Should

I will admit it, I love cruise vacations. I have been on several cruises including a cruise for my honeymoon, for New Years, and for multi-generational family vacations and I have loved each one. More and more people are finding out about the pleasures of cruise vacations including singles, families, couples, honeymooners, second honeymooners and groups of friends or families. Last year alone approximately seven million people enjoyed a cruise vacation and here are some reasons why:

1) Cruise Vacations Are A Good Value

The price of your vacation includes all of your meals and in-between snacks on-board; your accommodation, activities, children programs and entertainment. Throw in the exciting journey to some of the most fascinating and charming places in the world and you have yourself a deal! You will also know what your vacation will end up costing you before you go. Typically, your only extra expenses are alcoholic drinks, specialty restaurants, optional shore excursions, and personal services such as a spa treatment.

2) Cruise Vacations Have Amazing Dining

You have so much choice and variety of cuisine on a cruise, you will not be disappointed. From gourmet meals that showcase renown chefs to pizza parlours and buffets. The choice is yours whether to sit down for an delectable five course feast or grab a hamburger at the bistro. The only thing that is guaranteed is that you will not go hungry on a cruise.

3) Cruise Vacations Will Pamper You

Regardless of which cruise you choose, all cruise lines pamper their guests with first-class service around the clock. Staff is there to make sure you needs are met. From chocolates on your pillow to your favourite drink waiting for you at your dinner table, you will feel like you are being spoiled day and night!

4) Cruise Vacations Have Tons of Variety

A cruise ship is a floating resort, with all the things a fine resort has to offer and more. You can go non-stop. Enjoy one great show after another, enjoy daily tour excursions, visit the spa, listen to a lecture, shop and then dance the night away. Or you can lie back and just read a book on deck and just let your cares float away.....do what you want to do.

5) Cruise Vacations Are For Everyone

There are over 150 different ships, dozens of cruise lines and over 1800 ports-of-call with hundreds of places to see and things to do. Small, large, formal, relaxed, budget, luxury, there is a perfect cruise out there for you.

6) Cruise Vacations Make Vacations Simple

The hassles of an ordinary vacation are completely eliminated because a cruise vacation is one convenient package. You don't have to worry about making dinner or nightclub reservations, running to make flight connections as you travel from one destination to another, or packing and unpacking. Once you're on board, nearly all expenses are pre-paid... it just does not get more carefree than that.

7) Cruise Vacations Are Great For Family Vacations

Families love cruising and often there is a reduced rate for children. Traveling with Grandparents? Even better, they will love it as much as the kids! With a variety of children's programs geared from little ones to teens, kid-friendly menus, swimming, sports, games, movies, and exploring new places, your kids will not be bored for a second. The experienced child councillors will keep your children happy, while allowing you some time alone. And speaking of some adult alone time....

8) Cruise Vacations Are Great For Couples And Romance

During the day you can enjoy secluded beaches or romantic villages, enjoy en suite dining on a balcony overlooking the ocean or spa services for two. At night, enjoy dancing, musical shows, gaming or a quiet evening watching the moon bounce off the ocean as the warm breeze drifts over the two of you....do I need to say more?

9) Cruise Vacations Are The Most Satisfying

Cruises have a higher percentage of satisfied customers than any other vacation experience, once people try it, they come back again and again. It me 10 years to convince my brother and his wife to try a cruise vacation, they finally took one last year and they have already booked another one this year!

10) Cruise Vacations Are The Ultimate Vacations

You can see the world on a cruise. Feel free to completely unwind or take a walk on the wild side. If you want you can dance the night away or go up on deck and steal a kiss from your love. Make new friends, feast on sumptuous cuisine, learn something new, or just hang out and bond with your family.

Whatever your heart desires, it can be done on a cruise so be sure to "choose to cruise" for your next vacation.

by Jolana Klobouk
About the Author
Jolana Klobouk is a former travel agent who travels extensively and now writes about her experiences. She is currently the editor of Best Family Beach Vacations and Best Romantic Vacations

Getting The Cheapest Possible Airline Tickets

For most people, trying to get a good rate on airfare is a necessity. Most people spend the bulk of their vacation dollars on airfare. So it's a good idea to put in the time necessary to finding a better deal.

There are a few things to keep in mind while you're researching that will save you a good bit of money. So these tips will help with getting better prices.

Be as flexible as you can

If you can leave a few days earlier or later, you can often save significantly, because cheaper tickets may still be available on a less popular day. Try to avoid the days most business people like to travel. For example, Tuesdays and Wednesdays can be much less expensive days to fly than any other day.

Look into consolidated airline tickets

Consolidators buy tickets in bulk and sell them at a discounted rate to help airlines fill seats up. You can find ticket consolidators in your newspaper's travel section or online at sites like Hotwire.com.

You should be aware of the fact that consolidated airline tickets have more restrictions than others, but could be a really good buy if you're willing to live with those restrictions. It's best to find out what those restrictions are so you'll know if you'd like to go that route or not.

Be aware of hidden costs

Ticket prices are often published without ticketing fees, airport taxes, security surcharges, etc., which can raise your costs by 10 to 20 percent. Know these fees before you buy your tickets to avoid any surprise. Read all fine print before giving up your money. It can mean the difference in getting a really good hotel or a cheap motel.

Check out ticket prices online

Ticket prices can be less than 10 percent or more if you purchase them online. Several online travel websites also offer package deals for vacations that include flights, so be sure to shop around and prices vary from website to website.

If you need cheap airline tickets, these tips work pretty well, as well as the other tips you can find online. The trick is to take the time to research well before you buy the tickets. You can often get good prices if you take your time finding out what's available.

by Larry Ford
About the Author
Larry Ford is webmaster of We Do Airline Tickets. A website dedicated to finding the very best deals possable for airline tickets. You can find it at http://www.wedoairlinetickets.com/

Four Unmentioned Travel Tips

What Does the Subconscious Mind Have to do with Traveling?

Much more than you think!

Of all the travel tips I have heard and read, not one focused on the traveler's subconscious mind.

If you think it's hard to get along well with someone close to you, try traveling with him or her. It can be miserable.

Here are four tips on how to deal with travel anxiety, a great, often subconscious, source of stress for all around.

1.

If it's your anxieties, your traveling companion may be aware of it before you are. But once you are, talk about it, or better, write down everything you are worried about in great detail, and fast. Then read it, crumple it and toss it in the trash.

2.

If it's your companion's, ask about it gently. If you get a nasty response, ignore it. The response has nothing to do with you. Move away from your companion and/or persuade him to write fast then toss.

For example, once I traveled to Europe with two women friends. I thought I knew them well. One brought so much luggage that I felt impending disaster en route to the airport. The other brought neatly packed small carry-ons because she is highly organized and likes to travel light. I tend to move too fast and accidentally packed a suitcase with rejected novel manuscripts that I tossed in a bin in Paris.

Had we discussed our travel anxieties beforehand, we would have avoided subsequent hurtful battles en route. For example, my subconscious response to the unknown is to fly by the seat of my pants and hope everything works out. I am careful and thorough only when calm. Obviously, I didn't pay much attention to what I packed.

The friend with too much luggage had a lot of fear about traveling away from home. Every time she left she was sure she left her coffee pot plugged in and her house would burn down.

The organized one feared most the intimacy that traveling forces. She packed herself in tight and parceled it out in tiny bits.

3.

Look for the humor in the situation. Have you ever traveled with someone whose behavior is so bad he finally "goes over the edge" for you? When that happens you have to laugh and you actually like him.

It's happened to me twice, but I'll just do one:

I was taveling unaccompanied on a Greek ship cruising the Mediterranean. There were five distinct nationalities on board, five languages for each announcement. Only a handful of Americans. One was an appliance dealer from Manhatten. He was so loud and demanding I felt embarrased by him. He was the quintessential Ugly American. At every port he rushed off the ship and bought as many bargains as he had time to find. At dinner he showed off all he had bought, and he named the prices he'd paid-in US dollars.

When the ship stopped at Patmos for a quick trip up the mountain to a cave where it was believed John wrote the Apocalyse, our appliance dealer asked, "What's there to buy in Patmos?"

The purser replied, "No shops here."

Our American shouted, "Well, what the hell are we stopping for?"

I was right behind him. At that point he went "over the edge" for me and I have liked him ever since for the laugh he gave me.

4.

Expect surprises when you travel, laugh at them and then you can see the beauty.

If you recognize the power of subconscious fears to ruin a great vacation, they won't. If you don't, believe me, they will.

by Evelyn Cole
Copyright 2006 Cole's Poetic License
About the Author
Evelyn Cole, MA, MFA, The Whole-mind Writer Cole's chief aim in life is to convince everyone to understand the power of the subconscious mind and synchronize it with goals of the conscious mind. Along with "Mind Nudges" and "Brainsweep", she has published three novels and several poems that dramatize subconscious power. http://www.write-for-wealth.com