Travel Insurance Means Never Having To Say You're Sorry

If you're the kind who only makes one great holiday trip each year, then single trip holiday insurance should be top of your list of must do tasks as soon as you've booked. In all the excitement of planning and packing it's easy to overlook its importance, but here's a long list of reasons you should pay it some careful mind.
Who Needs Travel Cover?
If you're like many employees, you probably work hard all year round and take your annual leave one stretch to go on a single trip. Holiday insurance will help make sure nothing spoils that one break you've been looking forward to. In terms of cover, while you may travel for work, your company will have acquired appropriate coverage for that. But more often than not, company policies only cover travel for business purposes. For any personal trips, chances are, you'll be on your own. Single trip holiday insurance is your best bet to augment that.
Why?
There's a simple answer for why you need a good policy: life is unpredictable, and your one big break in the year a time when you cannot afford to let unpredictability get in the way of your objectives. After all the work you've done earning the money to pay for it, then more work planning - getting the best rates on flights, accommodations and tours, comparing prices and deals, perhaps even staying up to catch that special on the internet - it's definitely time to enjoy the spoils of your labour. Fun and decompression is the order of the day, not stress over what you'll do if things go wrong.
That travel cover may just be the one thing that saves you in an emergency - even the most conscientious planners don't think of everything, after all.
The Freedom To Go To Faraway Places and Make Complicated Travel Plans
If you've ever wanted to go somewhere you've never been before such as Europe, Asia or South America, single trip holiday insurance can help secure your peace of mind amidst a whirl of uncertainty.
Travel itineraries with many components throw up plenty of opportunities for things to go wrong. The rule is simple: the more components to a plan, the higher the likelihood of something going awry. Let's say you're taking a trip that requires connecting flights, as well as other transfers like over land, or say a cruise. One flight gets delayed, and then all your plans are affected causing you to miss the connecting flight, necessitating an extra day or two to a hotel, causing you to miss a cruise. See how it works? Appropriate travel cover can reimburse you so you can either rebook or make alternative arrangements should something go wrong at one of those crucial junctures.
Other things can also happen to spoil those holidays: lost luggage, unrest at the destination, even weather disturbances. If you're going to plan that one great holiday, include a decent policy in your plans. It's the one thing that can help make sure you'll never have to say, "I wish I stayed at work!"
Patrick Chong is the Managing Director of Insuremore. We provide low cost travel insurance and offer a range of policies including single trip travel insurance, annual, multi-trip and family cover. For all your travel cover needs, Insuremore can help you in the quickest and most cost-efficient way.
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How To Use Your Credit Card For Free Travel Insurance

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More and more people are opting in for the cheapest things to buy by shopping around, using point and finding places that obtain 'freebies'. Holiday travel insurance is one of those things.
Everybody loves a freebie, or at least the illusion of a freebie and many do not know that they can obtain a travel insurance policy without having to pay additional costs.
The majority of all major credit cards and even the smaller sized companies are using 'free' travel insurance to encourage their card holders to purchase their travel using their cards.
This has both pros and cons which includes being able to stock up on your frequent flyer points, if the program is also attached to the card.
So not only are you increasing your flyer miles you are also obtaining a travel insurance policy.
There are a number of things that you absolutely need to know when using your credit card for travel insurance.
The first and most important point is that by paying your travels using your card does not automatically give you a policy. You must contact your financial institution and advise that you've made your purchase.
You will then need to prove you've paid for the travel in full and must show provide them with the itinerary that is booked. Once this is done they will then provide you with a policy number.
I advise that you double check with your card provider that a) you will be covered and b) what are the conditions.
As this is a 'free' cover which is more of a benefit of the card the coverage is only basic... very basic. Some may only cover medical up to a couple a thousand for instance. Medical bills could sky-rocket way over this limit in some countries. So do make sure you check the policy details before decided.
For high risk countries which are listed as Africa, Middle East and even USA I would recommend getting better holiday travel insurance to cover you. As the medical bills and the risk of theft for example will be higher than what your credit card company is willing to pay.
Lastly, I use the word 'free' loosely in this article because let's face it... nothing is truly free. If you book using your credit card you are going to get slapped with a fee often between 2-5% of the purchase.
Therefore if you are paying $3,000 for your travels then you could pay between $60 and $150.
This is where you need to consider what's best for you. For $150 you can probably obtain a medium to full coverage insurance policy with all the bells and whistles. So why would you use the extremely basic cover for the same price.
Granted, you may book online and get slapped with the fees for credit cards anyway, the alternative being going to the office or agency and paying cash or using Eftpos. So again this is where it comes down to what is best for you.
You can certainly save money on your holiday travel insurance policy by using your credit card, the only catch is your limited to what you're covered for.
Want to find out if you can save on your travel?
Get a quote on Holiday Travel Insurance here then compare the cost and the benefits to your credit card companies' policy. See if you can save using this method and whether it is worth it.
Nothing But Adventure has loads of Travel Tips and Advice that can help you save on your flights, hotels, travel insurance, getting around and more.
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Travel Insurance For An Adoption Trip - 5 Tips For Getting The Lowest Rate

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The decision to adopt a child is a noble one. Adoption is chosen by adoptive families for a range of reasons, many of which are varied and complex. Usually, the decision to adopt is motivated by a desire to help a child in need, expand one's family, make the world a better place, and/or to have the chance to have a child of one's own.
For domestic or international adoptions that require air travel, the trip to bring the child home can be long and involved. These trips usually span many days, and in some cases they can even turn into weeks or months of travel.
As with any type of travel, it is a wise idea to buy travel insurance before embarking upon your journey to pick up your precious child. Insurance is a smart way to cover yourself financially should anything unexpected arise during your trip.
If you are interested in buying travel insurance for an adoption trip, here are 5 tips for getting the lowest rate:
1. Decide whether you need medical coverage:
Medical coverage for travel insurance for adoption trips generally covers payments (up to certain limits) for medical expenses as a result of any illnesses or accidents you encounter while abroad. Coverage in most cases exists for up to one year after you return from your trip, provided that the condition being treated was first treated while away.
2. Determine what types of travel carrier-related coverage you will need:
In addition to medical coverage, you should consider getting coverage for other items related to possible issues with your travel carriers, such as: trip delay, trip interruption, missed connection, baggage & personal items loss, baggage delay, and emergency assistance.
3. Estimate the length of your trip - and then double it before buying coverage:
Many policies will cover you for a given period of time, such as 1 to 30 days, with each additional day beyond day 30 being paid for on a per-day basis. However, given that adoption trips can sometimes be delayed due to unforeseen circumstances while in-country, it is wise to make sure you buy insurance coverage for a period of time up to twice as long as originally anticipated in case you need to reschedule your return trip.
4. Get quotes from at least 3-5 companies:
To find the cheapest rates, be sure to get quotes from at least 3-5 travel insurance companies. Be sure to find out whether they offer insurance designed for adoptive families.
5. Do not be conservative when it comes to buying coverage:
While you may be tempted to save a few dollars by buying a policy with lower coverage limits, remember that a lot can happen while you are away. It is advisable not to skimp on the coverage for your insurance policy for your adoption trip.
Consider these 5 tips for getting the lowest rate on travel insurance for adoption.
Find more info on getting the best travel insurance deals at: Travel Insurance Deals.
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Travel Insurance Tips and Tricks

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Travel Insurance is a system that allows you protection of your well being, your belongings and your financial investments whenever you go away. Although (thankfully) rarely used - it does provide peace when venturing from home for any sustained period of time. It is essential, particularly for families when taking a holiday abroad.
Travel Insurance is also extremely important for those going on business trips. It's not compulsory, however most travel companies would recommend some form of insurance, however small is taken out as compulsory to their holiday product.
Why take Travel Insurance?:
While being the last thing on your mind, having something happen on holiday is certainly the last thing you want. This makes travel insurance a must.
What happens if your flights get cancelled?
The airport lose or damage your luggage?
Your property is stolen?
You are assaulted or injured?
Reservations you have as a result of these situations get ruined?
Purchasing travel insurance prior to leaving protects you in these eventualities and makes sure you are compensated accordingly.
Insurance That's Right For You:
We've established that travel insurance is essential and you should never holiday without it, however one in every four of those who go abroad each year avoid it. With one in every seven people making a holiday insurance claim, this is not good news. How do you find the appropriate insurance for you?
Shop around. If you don't fit into the perfect box of being thirty something with no health issues or kids, then you might need to hunt for the best quote. If you are over 65, you're three times more likely to make a claim and this is reflected on your premium. Don't just accept the insurance that comes with the holiday package - get quotes from specialists who are used to dealing with elderly clients.
Try and deal predominately with actual insurers. There are many companies from shops, to banks or even supermarkets that are now offering insurance. Chances are they are simply a middle man between you and a regular insurer. Compare actual insurance companies prices to these middle men before making a decision.
Always check the fine print in policies. Your insurance excess could be extremely high and may be so much that there could be no point, should you have a small accident. Be aware of double excesses, meaning you could pay one excess for your injury and another for the clothes/jewellery/any equipment you have that got damaged.
Check you have appropriate cover for vehicles, particularly if it's a driving trip, or other specialist holiday like skiing, where you're more likely to be injured.
This article was written by Liz Brian of Simply Holiday Homes. We hope our article helps give you an insight into travel insurance and the best practice.
Please visit http://www.simply-holiday-homes.com/ for all your flying, car, villa and rental holiday needs.
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Essential Travel Medical Insurance Tips

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Medical insurance for traveling purposes is designed to protect travelers while on trips abroad. The comprehensive travel medical insurance tips you find below will help you make the best choice for your circumstances.
Travel medical insurance can cover certain eventualities such as trips to dangerous areas, health complications and prescriptions, together with unforeseen illnesses and accidents. Specifically, this type of coverage is taken out to protect against events that include any health complications, which are not caused by any pre-existing conditions, and traumas that may occur due to accidents.
A policy will contain many terms and exceptions, so it is important to read the fine print. The policy will also specify the countries to which the policy is applicable, and how much it will pay out per procedure. For example, a maximum figure will be stated for hospital treatment, dental treatment, or repatriation. Some cases will not be covered by a standard policy, such as extreme sports or high-risk activities like white water rafting, or bungee jumping. It is worth checking with your insurer or travel agent if you plan on doing anything unusually adventurous.
If you have any pre-existing health conditions they should be declared when you purchase your policy. In most cases insurers will not cover pre-existing conditions. A pre-existing condition is a condition you have been seen by a doctor for, or one that you have taken medication for prior to your trip. Insurers generally consider anything that has occurred within a month prior to your trip as a pre-existing condition, but this can vary from insurer to insurer, so make certain you are aware of the terms before purchasing a policy.
Coverage can be purchased from travel agents, financial companies and travel insurance specialists. You should always keep a copy of your policy with you and write down the emergency telephone number and policy number. Also make sure you keep it with you wherever you go.
Other travel medical insurance tips include taking copies of prescriptions in case you lose your medication or require more during your trip. Your insurer will be able to assist in replacing lost drugs. Check to see if the policy covers repatriation and ambulances, and if you are purchasing a policy for your family make certain you have stated any pre-existing health conditions they may have. It is also worth noting some policies have limits to the amount of family members they will cover. Find out if the policy will pay for medical emergencies upfront, or whether they will reimburse you at a later date.
Most standard insurers that will not cover pre-existing health conditions do this to keep premiums low. However, these days there are many insurance companies that offer policies to those that have pre-existing medical conditions such as diabetes, asthma, epilepsy, cancer and heart conditions.
There are also policies available for people over the age of 65, which is an important move forward as many retired people are far more active now than in previous generations. The best travel medical insurance tips are to always read the terms and conditions, and shop around for a policy that suits your own personal requirements, rather than a standard policy. By being savvy when buying coverage you will ensure you obtain the best deal possible.
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Travel Insurance - 5 Tips to Avoid Hefty Bills Abroad

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Travellers are more aware nowadays than ever before of the importance of taking out travel insurance before a trip. Most travels are likely to go smoothly, but why take a chance and risk ruining that much-needed holiday.
A variety of travel mishaps and problems have dominated the news in the past few years and the importance of having travel insurance, as well as understanding your rights, has never been more in people's minds. Here are a few tips to consider before planning your next trip:
Tip No. 1 - Check that your travel insurance policy covers all your planned activities
Not all activities are covered under all policies, so this is important. If you are on a package holiday and choose to engage in activities outside those included you may find they are not covered unless you have taken out separate travel insurance. However, beware of travel insurance that seems very cheap or is offered as an incentive as the levels of cover may have been reduced - or the excess (the amount you pay towards a claim) increased. Your travel insurance policy should include a list of covered activities, such as elephant rides, scuba diving, bungee jumps, etc. Never assume that everything is automatically covered!
Tip No. 2 - Check that your policy includes adequate medical cover, liability and legal expenses
If you pick up a nasty stomach bug it could potentially put you in hospital. If you trip and break a leg, or sustain a serious injury it could result in very high medical bills for hospital treatment. If you cause injury to another person you could be liable and incur legal costs. If an injury results in medical repatriation to bring you home by air ambulance the need for additional seats on the plane, and/or medical escort, could set you back many thousands of pounds. Your consulate or the airline does not cover these costs. Someone has to pay and - without insurance - that someone is you, or your unsuspecting family or loved ones.
As well as adequate travel and medical insurance, always check that your policy includes cover for air ambulance and medical repatriation. This is vital.
Air ambulance fees to bring you back to the UK from your holiday destination could potentially cost thousands of pounds alone, and up to a staggering £50,000 from the USA! If it is necessary to fly you home on a stretcher with a medical escort the fees from even closer holiday destinations could be almost as financially devastating.
Tip No. 3 - Obtain a European Health Insurance Card
If you live in a EU country and are travelling within the European Union apply for the free European Health Insurance Card (EHIC) and carry it with you. Depending on the country, it entitles you to free or reduced-cost emergency treatment on the same basis as a national of that country, in a state-run facility (not private). The EHIC should not be used instead of travel insurance, but will save you a lot of expense and inconvenience if you should sustain an injury or become sick while travelling. It is important to realise that the EHIC does not cover anything much other than emergency medical care. It does not cover repatriation to the UK or air ambulance costs. You will need travel insurance to cover an array of travel problems, such as non-urgent medical care, ongoing treatment, lost luggage, missed flights, scheduled airline failure, etc.
Tip No. 4 - Do Your Homework!
Research has shown that few people actually take the time to research the local laws and customs of their destination country before they set off. Awareness of potential pitfalls could save a lot of expense and grief. For example, do you know your destination country's rules for a single adult travelling with a child? Do you know which over-the-counter medicines you can and cannot legally take into the country? Do you know the basic rules of the road before driving in another country? The purchase of a good travel guidebook, or time spent reviewing travel advice provided online, such as on the Foreign Office website could help you avoid becoming the victim of a scam, or being arrested or fined for violating a local law that you were not aware of.
Tip No.5 - Make a note of Consulate/Embassy and Emergency Numbers
Before you travel, why not programme emergency numbers into your mobile phone and also keep a note of them with your travel documents. Having the number for the local emergency services programmed into your mobile phone could save time in the event of a robbery or accident - and even save lives. Consider registering with the Foreign Office 'Locate' service (or your own government's equivalent) to better enable the authorities to assist you if an emergency should arise. Their assistance in contacting friends and relatives would be a very welcome lifeline if needed and save you time, frustration, and expense.
It is time to be an educated traveller, as well as a savvy one. Why not pass these tips along to your family and friends. Remind them to take out travel insurance and do all they can to protect themselves and avoid unnecessary and hefty bills on their travels.
Jean Andrews is an employee of Travel Insurance Agencies Ltd (TIA Ltd). Jean regularly contributes informative articles about travel insurance and travel related matters.
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Travel Insurance Procedures And Considerations

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Travel insurance is an act of taking cover against travel related problems and expenses. This may be undertaken before completion of a particular journey. Many people lack to understand its importance and claim that it is not necessary for one to incur extra expenses while travelling. However, anyone can fall sick, a plane or a train can have an accident or other complications that may expose one to danger.
Types of Travel Insurance
There are usually two types: International travel insurance, for those who wish to travel abroad and domestic travel insurance, for those who wish to travel within the country. They can be obtained from your country of residence, travel agents or via existing deals.
An important consideration when buying a cover is the dates of coverage that should specify the day you left your expenses up to the day you return to your homeland.
Among the major functions of this cover is the medical aspect while travelling, it cares for all your medical expenses which may arise during the travelling. Some companies pay for friends or relatives who volunteer to stay and support you during the travel. Other companies even pay lump sum in the event of an injury or unwanted occurrence.
A travel may be cancelled due to a number of factors like: medical condition, disaster or calamity in one's family or either upheavals in your own planned program. In case this happens, they may cover for your travelling expenses and other that may result from the cancellation. There are some cancellations that the insurance company covers while rejecting the other. This includes:
1. Cancellation due to death of a family member, a friend or a partner may not be covered.
2. Family emergencies such a quarrels, hospitalization of a family member, diagnosis with a diseases among other family matter. These are not covered.
3. Cancellation due activities resulting from terrorist are usually covered but when terrorist threats have not been issued cover is not provided until the act happens.
4. Cancellations due to strike are also not covered by many insurance companies especially after union members have voted for the approval of the strike.
5. In case of an unsafe destination, the insurance company covers expenses resulting from the cancellation.
Apart from personal problem that affect an individual some travel insurance companies cover loss, damage or theft or property but only when right procedure are taken and a police report is produced. Thus it is very important for an individual to apply for a cover to take care of the unknown.
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