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Posts Tagged ‘Travel Insurance’

“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

I start work in Italy as soon as I have received my passport. Since I already have a job in Italy, and my new employer has proved to them that I do, it is going to be prioritised. I should have it in about 2 or 3 weeks, and shortly after that I will be getting on a plane and starting my new job.

However, I’m unsure about a few things.

I have to fly from London Stansted, as that is the cheapest airport where I can get to Brindisi in Italy. I will have to travel down the night before, as the flight leaves early in the morning and I can’t find any plane/bus/train that will get me there in time, not even an overnighter. Will I be allowed to sleep in the airport?

Also, I have applied for an EH1C card, but will I need travel insurance as well? I am going to be staying in Italy until the end of August, so I will be there for about 5 months. I can’t find any travel insurance that doesn’t cost a fortune. Even insurance with my bank would cost me £90, which I can’t afford as I have to save up for flights. I’m not even certain exactly how much a flight would cost me, as the prices seem to be changing daily. I can’t book a flight until I’ve received my passport. Does anyone know if flights would be cheaper to book a few days or a few weeks before travelling?

I have found a few things on the Internet about the town I am going to - Lecce - but not a lot. Can anyone give me some firsthand information? I am going to Italy to be an Au Pair, but I don’t even know simple things like where the nearest shops or parks are! I’m going to feel a bit useless having to get the parents or children to show me. I’d rather know a few things before I go.

I’ve been told that the weather has become hot and sunny recently. Do you think this will last, or am I better to bring some cold weather clothes as well?

Lastly, I’ve been told I’m not allowed to take fizzy juice or teabags on the plane with me! I am addicted to Irn Bru and Tetley tea, and I’m not sure how I’m going to be if I can’t drink either of them. Think I’ll end up being even more homesick! It was my parents that told me this, but I can’t find anything that says about it. Does anyone know?

Any other information or help at all would be much appreciated! Thank you in advance =)

i have currently been in Italy for a few months so this is what i know ! :

yes you can sleep in the airport although it wont be much fun. I used to travel to stansted using the national express bus to get there, have you checked them out ?

The EH1C card is for medical treatment in the country, travel insurance is more broad, for example it can cover stolen goods to drugs and medical bills to flying you back home in case of an emergency. Mine cost me about £50 however since you are there longer, unfortunately there is not much you can do about it.

Booking flights is usually cheaper the earlier you do it, for example a month before. It can also be cheap from 7 - 1 days before, as the company wants to fill the plane! however booking a few days before can be a risk.

Don’t worry about the town, why should you feel useless not knowing where the shops are if you have never been!? The people who know the most are the people you are going to stay with! you can look on google earth or maps, type the address in and get an idea of the area.

The weather is getting better slowly, but compared to england its summer right now! take a jacket and some jumpers for the rainy days and the odd cool night just incase, but it’s only going to get hotter and hotter, and since Lecce is in the south, expect it to get very hot!

No liquids are allowed in hand luggage on the plane, doesn’t matter what it is. They are allowed in the suitcase, however check stansted’s website, it should tell you all there.

ciao ciao

Technorati Tags: 5 Months, Au Pair, Book A Flight, Brindisi, Bus Train, Cold Weather Clothes, Few Days, Flights, Fly, Fortune, Job In Italy, London Stansted, New Job, Parents, Passport, Sleep, Teabags, Tetley Tea, Travel Insurance, Work In Italy

Some people consider traveling a pain, some think it’s a pleasure, and some others consider it as their passion. Traveling needn’t be fun just for the youth. If you think you are past the age to enjoy the pleasures of traveling, then you need to rethink your perspective. It just takes a little bit of planning and preparation to make holidaying stress-free and fun-filled. Internet for seniors can be very informative when they head out on a vacation to unknown places. Seniors will find valuable tips online, apart from the ones mentioned below.

1.Choose the Right Travel Agent

Many travel agencies specialize in organizing trips for seniors. Go and check out what each has to offer in terms of special facilities for seniors. Make sure you communicate everything you need clearly. Experienced travel agents will make sure your travel is smooth.

2.Plan Early

Reserving airline tickets and hotel rooms should be done with plenty of time to spare to avoid any confusion. This way, your agent can accommodate you in hotels that are specifically equipped to assist seniors.

3.Research about your Travel Destination before you head there

It’s important to know about the culture and food of the place you are travelling to, along with details on important sightseeing locations. If you’re traveling abroad, it’s imperative to learn about the culture and food, and pick up important phrases of the local language. Computer for seniors helps in gathering travel information through easy internet surfing options.

4.Plan for a Group Trip

It’s the safest way for seniors to travel. More is not just merrier, but the support system is also stronger. So, rope in as many friends or family as you can.

5.Seniors have to be Medically Fit to Travel

There should be no planning before your doctor gives you a thumbs-up on your travel plans. Medical and travel insurance is a must, especially if you’re getting out of the country. While you’re traveling, you’ll need to carry ample amount of prescription and emergency medications. Make sure you have your doctor’s name and contact number with you at all times.

Make it a point to scan through your tour itinerary and insist on changes if it’s too hectic. Going on sightseeing or adventurous trips all-day and everyday is just not practical. Request your agents to intersperse travel and leisure equally. After all, holidaying is all about chilling out and unwinding.

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http://www.articlesbase.com/travel-articles/5-vital-travel-tips-for-seniors-733469.html

Technorati Tags: Airline Tickets, Confusion, Easy Internet, Group Trip, Hotel Rooms, Internet Surfing, Little Bit, Phrases, Plenty Of Time, Rope, Seniors Travel, Sightseeing, Travel Agencies, Travel Agent, Travel Agents, Travel Destination, Travel Information, Travel Insurance, Travel Tips, Vital Travel

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