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“Insurance is like marriage. You pay, pay, pay, and you never get anything back.”

- Al Bundy

Getting the right insurance can be very important in case you run into problems. Here are some hints on pitfalls to avoid:

1. The travel insurance can differ a lot on what it covers. Make sure that you understand what is included and that you have the right travel insurance for the place you are going and the activities that you intend to do. Shop around - there may be significant differences in prices (make sure you compare apples to apples though, the fine print can be hard to understand in detail).
2. Make sure that any expensive items (e.g. video camera) you plan to take along is covered, check the maximum amount per individual item. How can you prove to the insurance company that you owned the item? Keeping a photo and the receipt may be useful.
3. Some policies cover only theft and not loss. Others have a hefty excess fee (an amount is deducted from the amount you are supposed to get back from the insurance).
4. If you plan to travel several times during a year a multi-trip insurance can be more economical than buying travel insurance every time you go.
5. Some travel agents make a large part of their income from selling insurance since the price for tickets is easy to compare online and there is a lot of competition selling tickets.
6. Sometimes you have basic travel insurance included in your home insurance for a certain amount of days and it may be what you need. If it is not enough you may be able to take out additional travel insurance on your home insurance (but this is not necessarily the cheapest alternative).
7. If you pay for your flight using a credit card you can sometimes get a basic travel insurance included. Check with your credit card company to for details. Also check what is included in your homeowner insurance before getting additional travel insurance.
8. Make sure that you know where to call if you need to get in touch with your insurance company and keep a copy of your insurance policy with contact details with you.
9. Check what the process for reimbursement is before you go (e.g. you may have to present receipts afterwards or get the treatment approved in advance).
10. Check that the insurance covers the activities you plan on doing such as climbing, snowboarding or hang gliding. Some companies specialize in insurances for high-risk activities.

Peter Siljerud

Technorati Tags: Al Bundy, Apples To Apples, Economical Insurance, Home Insurance, Homeowner Insurance, Income Insurance, Insurance Company, Insurance Plan, Insurance Price, Marriage, Pitfalls, Receipt, Right Insurance, Selling Insurance, Several Times, Travel Agents, Travel Insurance, Travel Tips, Trip Insurance, Video Camera

RIDDLE! What is it?

They spend thousands encouraging us to buy it.

We are advised never to go on holiday without it.

But when we want to buy it, they don’t want to sell it to us.

Read on ………..

So after much deliberation we have chosen the holiday destination, sorted out the flights, and already we are picturing ourselves languishing on warm sands with the inviting blue sea stretching before us, and we just have the minor formality of the holiday travel insurance and then all the arrangements will be complete. Did I say MINOR? Well, yes, holiday insurance was once just a minor formality, but now for retired folk or senior citizens it has become a MAJOR, MAJOR problem. (In fact, when talking to friends it appears that holiday insurance has replaced house prices as the after dinner discussion). The problem is not just about how health affects the cost of insurance but it’s about how age affects the cost of insurance. Isn’t it amazing how an insurance company can take your annual holiday insurance payments for years, you have never made a claim, and suddenly because you have just passed a certain birthday you are too risky to consider. Your medical history may be fine, in fact you may be fitter than the 30 year old couch potato on the end of the telephone, but that doesn’t count - the only thing that counts is the date on your birth certificate. And when you do find an insurance company who will cover you, you find that the premium costs more than the holiday.

However, one thing is certain, WE MUST HAVE HOLIDAY TRAVEL INSURANCE (you realize how essential it is when you consider that an air ambulance from the USA will set you back approx £35,000), and another important point is to be honest when declaring your medical history, because Insurance Companies are not charities and will possibly look into your medical history hoping to find some information (however slight you may have considered it at the time it was recorded) to avoid paying for example that air ambulance cost from the USA.

A timely reminder that the E111 was discontinued on 31 December 05 and was replaced by the EHIC (the European Health Insurance Card), which you can obtain from the Post Office or www.dh.gov.uk. It is useful to take this, but it is definitely not a substitute for personal holiday insurance.

And whilst on the subject of European holidays; a couple of years back we met a group of Spanish pensioners having a great time on the Costa del Sol. We found out why it was such a joyous occasion, it came courtesy of the Spanish Government - the Government treats senior citizens to a week’s free holiday. On reflection, it could possibly work out cheaper for the National Health if our senior citizens were sent to warmer climes during the winter when bronchitis and respiratory problems abound. Mr Brown, it’s food for thought. After all, he informs us that in 2008 we shall be receiving free bus travel throughout the country, so perhaps we can but dream that the boundaries be extended somewhat. However, there is still the problem of the necessary holiday travel insurance.

A recent survey found that 9 out of 10 annual travel policies impose an upper age limit. It is slightly easier to obtain single trip policies: but this can work out expensive is you plan to take more than a couple of holidays a year. Here are a few worth contacting, but do shop around as prices vary enormously -

All Clear of Brentwood - www.allcleartravel.co.uk

Citybond - www.citybond.co.uk

Churchill - www.churchill.com)

Age Concern ) will insure the over 80s

Help the Aged ) will insure the over 80s

Saga ) will insure the over 80s

Norwich & Peterborough - www.npbs.co.uk

Flexicover - www.flexicover.co.uk

Visit Mabels…Maintaining Bygone Times, containing numerous articles thoughtfully researched mainly for the older person. You may access these articles by visiting http://www.mabels.org.uk/ - You will learn about the best tips to improve your health, fitness, finances, & helpful organisations to make the most out of life.

Jo Godden
http://www.articlesbase.com/advice-articles/travel-insurance-tips-advice-resources-for-seniors-222504.html

Technorati Tags: Air Ambulance, Annual Holiday Insurance, Birth Certificate, Blue Sea, Charities, Couch Potato, Deliberation, Formality, Holiday Destination, Holiday Travel Insurance, House Prices, Important Point, Insurance Companies, Insurance Company, Insurance Payments, Insurance Tips, Medical History, Riddle, Senior Citizens, Warm Sands

An insurance covering your trip is like a reliable travel companion. Availing this insurance means that you will be looked after appropriately during the tour. And if any trouble persists, you will be aided and compensated as well. But, travel insurance comes to little or no use if insurers have no adequate information about the insurance. Some useful tips about this insurance how you can avail and utilise it in its best way can be of great help.

Financial survey in UK states that almost 10% of all claims are fake. Taking this matter seriously, it becomes difficult for people to get their compensation exactly what they are promised by insurance company to be paid. Thus, it becomes very important for insurance buyers to take precautions at every step, from buying the insurance to making claims to be compensated.

The most important point to consider while you are buying a travel insurance is checking what all are being covered by the insurance. Before you finally make a deal, be sure of the insurance that it is giving you good cover. Usually, the insurance will cover for your lost luggage, stolen cash and other belongings. Though, it will pay you limited amount of cash, but it is of great help during the travel. Hospital treatment is also covered by the insurance.

Even most of the insurance will give give you 24 hour medical and legal assistance. Similarly, you need to be well aware of conditions in which Travel Insurance will not pay you any compensation. If you have lost your luggage/belongings/cash due to your faults, insurer will not pay you any compensation. Again, if the reason of cancelling trip is not valid, you will not be paid. Besides, some hazardous activities like adventurous sports like scuba diving and mountaineering are not covered. Knowing some of these important information could help you having a memorable trip.

Allan
http://www.articlesbase.com/insurance-articles/travel-insurance-tips-to-make-your-trip-great-204859.html

Technorati Tags: Belongings, Faults, Financial Survey, Hazardous Activities, Important Information, Important Point, Insurance Articles, Insurance Buyers, Insurance Company, Insurance Tips, Insurance Travel, Insurer, Legal Assistance, Lost Luggage, Memorable Trip, Mountaineering, Reliable Travel, Scuba Diving, Travel Companion, Travel Insurance