Travelling Blog » Travel Insurance

Why Traveling Without Insurance May Cost You More

Admin — Sat, 30 May 2009 06:02:15 +0000

You are going traveling. You have lots of expenses to cover. You need to pay for your air fare, your accommodation, your food, your travel while away, cultural experiences and the list goes on. You want to save money so you decide not to bother with travel insurance. You are going on the trip of a lifetime so nothing will go wrong. It’s an unnecessary expense so you don’t need it. Wrong. Very wrong. Traveling with out insurance can be the biggest mistake you make when organizing your trip and a very costly one.

What is travel insurance? Well there are two kinds of insurance to look at when traveling.

1. Travel insurance, (sometimes called trip insurance) which covers cancellations, delays, lost baggage and emergencies.

2. Travel medical insurance protects you against any medical expense while traveling.

Ideally, you need a combination of the two when traveling.

Imagine these scenarios:

You are in Darwin, Australia when a cyclone hits the area. The city is devastated by the cyclone and all services shut down. You have to be evacuated and sent home. Your travel insurance will cover you for this. You do have travel insurance don’t you?

Your luggage goes missing in India. You need to buy new clothes and fast. Can you afford it in your budget? Of course you can, you took out traveler’s insurance – didn’t you?

Or what if you go surfing in Hawaii and take a big wipeout? You are so severely injured you need surgery and major medical assistance, and then are airlifted home. But that’s okay – your travel medical insurance covers all that. You have got it, haven’t you?

Travel insurance is there to protect you in case bad things happen on your trip. It is a necessary expense. Overseas medical costs can be astronomical if you are not insured. And if you are injured in a developing country, medical attention may not be as good as at home. If you are insured you can get flown home and attended to at no cost.

Every year the government deals with thousands of cases of travelers being injured, falling ill or dying overseas. This is a distressing situation for all involved, but made even worse when the travelers are not insured, often leaving them with huge bills to pay. Hospitalization in other countries can cost over one thousand dollars a day. Medical evacuations can be in the hundreds of thousands of dollars and if you die in Europe, it can cost over ten thousand dollars to bring your body back home. If you do not have travel insurance you have to cover these costs yourself (or your family will have to find the money).

Travel insurance is a cost you need to budget for. If you don’t take it out, your medical expenses could cost a whole lot more. Insure yourself and travel safe.

This article is brought to you by: Stuart S. Travel – Your Online Travel Guru

www.stuartstravel.com

By: Stuart S. Travel

Safety Tips for Budget Travelers in Foreign Countries

Admin — Fri, 29 May 2009 14:38:58 +0000

There are many things to keep in mind when traveling, whether you are a budget traveler or not. You obviously want to keep what money you have for your trip rather than lose it or have it stolen. You also want to keep yourself and traveling companions safe from harm. Here are some tips to follow to ensure your trip is safe and enjoyable in a foreign country.

1. Have a valid passport and all visas required for your trip. Make two copies of your passport. Keep one in a separate part of your travel luggage and the other leave with someone at home.

2. Be aware of any travel warnings for the country you are visiting. Find out about security and safety conditions in your destination.

3. Secure travel insurance!

4. Ensure you have been vaccinated against any infectious diseases prominent in the area you will be traveling to.

5. To make sure you can be contacted in case of an emergency, make a copy of your itinerary and leave it with someone at home.

6. Travel light and don’t pack valuables that you wouldn’t want to lose. Leave your jewelry at home but take an extra pair of glasses if you can’t live without them.

7. Remember you are a foreigner when you travel. You are a guest in their country and therefore should abide by their laws, and to a certain extent, their customs. For example, if you are a female traveling in an Islamic state, be considerate of your dress.

8. Try not to bring too much attention to yourself when traveling. Don’t go out looking like a tourist with a flashy camera and expensive clothes. Try to blend into the scenery.

9. Travel in a group where possible and in well known areas. There will be times you want to get off the tourist track, so make sure you always have a traveling companion with you.

10. Only carry small amounts of cash on you. Your credit card and travelers checks will pay for most things.

11. Watch out for pickpockets! Wear a money belt and keep your purse/wallet in the front of your body. Report any loss or theft immediately to the local authorities.

12. Don’t leave your luggage unattended. Apart from having it stolen or items from it taken, you could also become an unsuspecting drug courier.

13. If traveling with a partner, pack half your clothes in their luggage and vice versa. This way if one of you loses your luggage, you will still have some clothes.

14. Lock your luggage and label everything.

15. Lock your hotel room. Keep money and valuables with you, not left unattended in your room.

16. When using public transport be aware of possible theft. If you are traveling overnight, secure your luggage and sleep on top of it if possible. It is not uncommon for tourists to be drugged while on trains and buses so don’t accept gifts of food or drink from strangers on public transport.

If at any time you feel unsafe, whether it is on the streets or in your accommodation, get out. Follow your instincts. Stay safe when you travel by being aware of the dangers and obeying the laws of the country you are visiting.

This article is brought to you by: Stuart S. Travel – Your Online Travel Guru

www.stuartstravel.com

By: Stuart S. Travel

Tips for Saving When Traveling in a Group

Admin — Mon, 04 May 2009 18:35:38 +0000

Traveling in a group? You are the holiday packagers dream! Imagine being able to offload bulk airline seats, rail passes and entertainment packages in one booking. A group traveling is a wanted commodity and because of this you can secure great deals for your group. But as always, beware of any hidden ‘extras’ such as cancellation policies and preferred partners when stepping outside the package. Be prepared to shop around for the best deal.

Here are some tips for the traveling group on a budget:

1. Travel insurance can be bought through some companies where savings can be ten percent or more. A group usually consists of four or more. Contact a number of travel insurance agencies and compare quotes.

2. Pack as many people as you can into your hotel room (keeping it legal). The more heads in the room, the higher the number to divide the cost by.

3. Renting a car when traveling in a group of four is usually cheaper than buying travel passes – and more convenient.

4. Food, guidebooks, taxi fares can all be split between the group bringing costs down.

5. Rail passes for groups or pairs may find discount offers in some countries.

6. Some airlines offer discount rates to groups of ten or more traveling together.

7. Group package bookings that have everything included in the price will have all expenses covered so you won’t be surprised by any extra costs, apart from shopping!

8. Discount holiday packages for large groups of travelers are offered through a number of travel agencies. Sports fans may be able to travel to big events using one of these travel packages for much cheaper than organizing it on their own.

If you want to join a group tour so you don’t have to travel alone consider all the pros and cons. Will there be like-minded people? Is there any flexibility to the travel arrangements? If not, will this outweigh the savings you’ll make on joining the tour? Some travelers like the convenience of all the travel arrangements being made for them. Group tour operators will find the best fares and reputable places to stay in. This saves you the hassle but it may mean that some of the cultural experiences you want will have to be put aside for the relatively cheaper ride.

Traveling in a family group can also benefit from a number of offers. Inform your booking agent that it is a family and ask about any special offers or deals. Can you visit any amusement parks or tourist attractions at family discount rates?

When traveling in a group, never be afraid to ask for a discounted rate. Everyone involved in the tourism trade is looking to get large numbers on seats or through doors. Groups are welcomed and catered for accordingly.

This article is brought to you by: Stuart S. Travel – Your Online Travel Guru

www.stuartstravel.com

By: Stuart S. Travel