Your choice of a travel insurance policy is probably the most important decision you will make in planning your holiday. You will enjoy peace of mind on your vacation knowing that any unforeseen circumstances, such as a hospital stay due to sickness or accident will be taken care of.

In addition, while many travelers have health insurance, it sometimes does not cover them outside of their network or outside of the United States. Most medical plans will not cover medical expenses abroad, which is why travel insurance coverage is vital to avoid financial disaster. Always check the details of your insurance coverage before you travel. Additionally, with out the proper medical insurance, you will not have a say on where you will be treated if you were in an accident.

Generally, comprehensive travel insurance policy costs 5 to 7 percent of the price of your trip. Your policy may also provide reimbursement for lost luggage, some degree of medical evacuation insurance, accidental death coverage, medical expenses, personal liability, cancellation, loss of baggage and theft. Your policy should also include all the details of how to make a claim.

Not all travel insurance plans are created equal. The cost varies from company and policy to policy. Policies may be purchased for individual trips or as an annual policy for all trips taken in the year of insurance. If you purchase an annual travel insurance policy, it will cover you for one year from the start date you choose. In some cases, it might be your best option to purchase a trip cancellation waiver and a third party travel insurance policy.

Credit card companies usually provide what is called travel accident insurance, which covers accidents but not incidents of serious illness. When you travel abroad, you should always consider buying insurance that includes medical care.

If you are willing to assume a financial risk (the cost of your trip), you can probably forego insurance for your domestic travel. Since 9/11, many are looking to travel insurance to safeguard their trip against any unforeseen terrorist attacks at their destination. Traveling abroad without insurance can be risky and impose long-term financial hardships if an accident or illness occurred.

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Holiday season is coming, and some of you might already have planned how and where to spend this relaxing moment with your family. So prepare your holiday well, choose a trusted and reliable travel agent to arrange your trip, decide wisely where to go and what to do on your destination, prepare your travel documents and things to bring on your trip, and of course, in order to avoid your holiday turned into a disaster, you will need a travel insurance as a protection.

Travel insurance is one of the most important instruments on your holiday, so you better choose your insurance carrier wisely when you decide to buy one. Shop around for the best rate and coverage, and also it is a good idea to look for guidance and tips on how to get the best travel insurance for your journey.

But don't feel 100% secure just because you already have travel insurance, since there is no insurance that can cover every risk. So do with travel insurance, there are things that most travel insurance will not cover. Knowing these things is important so you can make a preparation in case some of them happen before or during your trip. It's also useful to help you choose an insurance provider that can give you the most coverage for your travel.

I have compiled from many sources, things that most travel insurance won't cover as you can see below:

Travel cancellation

Tour operator

Although it is totally beyond your control, but travel insurance will not pay for any expenses you have already made if the travel is canceled by your tour operator. You could ask the tour operator to return your money, but your travel insurance will not pay for any loss you experience regarding this situation neither helping you to get cash back from the tour operator or making a law suit against them.

A tour operator can cancel your trip for some reasons including their internal company problems. That's why you should carefully choose for a tour operator to avoid this, make sure it's a good and reliable company.

War or Riot

Usually there are certain types of mess up situation stated in a policy with explanation whether it's coverable or not. Usually they are; strike, riot, civil commotion, terrorism, and also war, that happens in your travel destination. If the cancellation is made regarding one of those reasons, many travel insurance policies won't cover.

Death or Illness of a Pet

Animal lovers might cancel their trip because their beloved pet is dead or ill, but don't expect the insurance company will have a compassion on this situation, this is also the risk that cannot be insured.

Psychological Problem

You cannot cancel your trip for having psychological illness or mental problem without penalty, because for most insurance companies, this is an exclusion of coverage.

Divorce before the Trip

One in a million, but it still could happen. After you bought a tour package and travel insurance, suddenly a problem occurs in your family, then your spouse files for divorce and ruins the whole plan, and you have to cancel the trip. This is also not considered as an uncoverable risk.

Pandemics

If you find out that on your destination there is a pandemic like swine flu or anything like it, you might worry for the sake of your family's health and decide to cancel the trip. But pandemic is also not a valid reason for trip cancellation, so this won't be covered.

Visa Refusal

This case sometimes happen, and sadly it always happen after you buy a ticket or book a tour package or at the arrival. Mostly you can only expect cash back from the airline for the ticket, but travel insurance usually won't cover for this cancellation.

Natural Disaster

Most of travel insurance policies say they will give coverage for trip cancellation if your destination is completely shut down by a natural disaster. But please pay attention to the fine print and read it carefully, usually it says that if the resort or the airport remains open, you will not get your claim paid by the insurance.

Health, Medical Treatment, or Personal Injury

Pre-existing Conditions

This is a common exclusion in many insurance policies, so medical treatment related to that condition during your trip will have to come out of your own pocket.

Extreme Sport

If you wish to do some extreme sports on your destination, the risks won't be covered by your regular travel insurance. For this, you have to obtain another insurance which is extreme sport insurance or something like that.

Pregnancy and Childbirth

Usually, it is specified under which conditions the pregnancy complications or childbirth is covered. You too have to read the fine print real carefully on this one.

Working Activities

For an insurance company, holiday is holiday, meanings you shouldn't work or do anything related to it. If you are injured while doing something that is considered a working activity, then the insurance won't cover it. What is considered to be a working activity is not always that you do something for money, as long as it's a situation involving manual labor, using power tools or driving heavy duty machinery, it could be considered as a working activity.

Drunk

If you are injure in doing an activity after you have some drinks there's a big chance that your insurance won't pay for this. So you better pay attention on this one.

Sexual Behavior

If you suffer a disease or have a worry of your future health condition related to a sexual transmitted infection or unwanted pregnancy for the result of your sexual behavior on your holiday, there's a big chance that you have to take care of the medical costs for treatments or tests by yourself. Most travel insurance doesn't cover this health condition.

Medical Repatriation

Many people feel safe when they know that the insurance will give coverage for medical evacuation if they suffer a bad medical condition in some remote area. Evacuation meant to transfer the patient to the nearest area that has a better medical service. But if you need to be transferred back home to get the proper treatment it is called repatriation, and not so many travel insurance will cover this. So you have to read the fine print carefully and find out what it says about it.

Others

Baggage Delayed For Less Than 24 Hours

It's a good idea to carry the things you need for a day in case there's a baggage delay. If the delay is less than 24 hours, the insurance won't cover it. The insurance will only cover for baggage delay for more than 24 hours and it's valid for outbound flights only, so no baggage delay cover for your flight back home.

Loss or damage to keys, money, documents, tickets, or credit cards

Usually these items are not considered to be as baggage or personal item, so you should keep these items real safe during your journey.

Flight Problems Regarding to Security Threats and Terrorism

Sometimes these issues can cause an airport closing, flight delay or event flight cancellation, and travel insurance won't cover you for buying another ticket, rerouting tickets, or paying for accommodation for these causes.

I really hope this article could help you to arrange your save and pleasant journey. The most important thing is always pay attention to every detail in a policy and read the fine print carefully, since one single word could determine whether the claims you made can be paid or not, have a nice holiday.

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There are a lot of establishments that are associated with online booking services while there are those that have their own booking service. With the accessibility and flexibility of the internet, more and more people are utilizing online booking services for easier reservations of hotel accommodations, plane fares and tours. Each site promises to provide safe, secure and direct online booking services although this is not always what happens.

Let me tell you about what happened to my friend.

My friend was planning to spend the holiday with her husband on a foreign land. This was probably the first trip that she and her husband will spend overseas. They have travelled the entire country-hopping from one state to another-and after scouring every possible tourist destination, they decided that for a change, they wanted to explore what is outside the United States.

Since they wanted to have everything "fixed clean" when they arrive in their place of destination, they opted to book online for all their accommodation needs. They were very meticulous with the hotels that they wanted to stay at and even made special requests for their "special needs." Every booking then, was done online, and all reservations were also done using the World Wide Web.

My friend's first stop was in a seemingly desert place in Bolivia. They spent four days there and didn't have any problems. However, the real problem occurred after their "desert tour." They arrived in their second stop at 3am in the morning. They were very tired after having to travel 5 hours by bus. When they arrived at the hostel where they had their reservation, they learned that their booking was cancelled.

We were aghast and frustrated. My friend's husband insisted that they made the reservation and confirmed it online. Upon further investigation, they were able to discover that their booking was cancelled because they failed to reply to the email from the hostel which specifically requested the CCV code of their credit card.

My friends told me that they did not receive the email that was being referred to. My friend mentioned that had she received the email, she would still not provide the information that they were asking because doing so would make her look like consenting to identity theft and that she is actually inviting identity theft criminals to come and access her credit card information.

The CCV is a three or four digit number that is found at the back of any credit card. This is often used to verify that you have physical possession of the card in instances when physical verification is not possible (like in online transactions).

My friends were not able to get the refund that they paid for their reservation/confirmation. Once they got back to the United States, they immediately proceeded to blogging about their experience to warn other people not to get ripped off and be victims of identity theft. They didn't want others to experience the same thing that they did.

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A washing line
If you are lucky, there will be sunshine most days while you are on holiday, so washing your clothes is no problem. Remember to take a line to hang your stuff on - trees and bushes are not always so practical!

Reading Material
A lot of campsites have a pretty good 'self recycling' library - but if you are traveling abroad a lot of the books and magazines that get left behind are in a foreign language so it's best to take some good reading material of your own.

Camera USB leads
Download your pictures as you go. While away some holiday time relaxing and editing.

Phone Charger
You could pack the one to charge the phone from the 12V cigarette lighter socket, but it would probably make more sense to have one that runs from the mains so it can be used in the van or at the campsite.

Travel Insurance
People still forget this vital holiday must have! You don't want to go traveling without any insurance, especially abroad.

Motorhome Insurance
Check that your insurance policy is all up to date and covers exactly what you need. Ensure you have informed your insurance company of any changes to your circumstances.

Insect Repellent
Park near to water and you could be in trouble. Avoid the bugs by taking a good body and clothes spray and a good plug in.

Lockable safe
Keep your personal items secure. A lockable safe hidden somewhere within the motorhome is your best bet, especially if it is secured to the motorhome itself.

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Nothing Can Compare To Good Travel Insurance

Travel insurance is an invaluable commodity as it can prevent unforeseen events that could potentially ruin a dream holiday or any sort of travel scenario for that matter. Deciding which type of insurance to opt for can prove to be tricky as some policies only cover certain losses where others are far more extensive.

Travel insurance can be put into three main categories, these being trip cancellation insurance, emergency medical coverage, and 24-hour telephone assistance. Trip cancellation insurance is a policy which covers the expenses of your airfare as well as other prepaid costs that may arise if you have to cancel a trip. Another bonus is that if your luggage gets lost it will reimburse you as well.

Emergency medical coverage pays for medical related expenses and the cost of having to return home in the event of medical emergencies. This kind of policy is particularly useful for senior citizens.

24-hour telephone assistance offers a simple and hassle-free means of finding doctors and getting emergency assistance. This type of coverage can be highly beneficial if you are travelling to a country where you cannot speak the language.

The best way of going about purchasing insurance for travelling is through your travel agent as good travel agencies will have built solid working relationships with trustworthy travel insurance providers. Alternatively, you could phone your regular insurance agency and find out whether they sell travel insurance

Another approach for choosing the right policy is taking part in online discussions such forums and message boards. By doing so, you can post questions or any concerns you may have regarding your insurance for travelling.

In addition to this, ample research should also be done via the internet and also by asking friends, family and work colleagues if they have had any first- hand experience with travel insurance providers, whether it be of a positive or negative nature.

It is also extremely helpful to use an online insurance comparison service to aid you in finding out about coverage and costs.

If you are going on a trip related to sport or an adventure trip that could pose an element of danger you should find a policy that accommodates injuries related to sport for instance.

Always ensure you have been thorough in reading the policy as opposed to glancing through it. If there are any details you do not understand or are unsure of make a point of asking the insurance provider to explain the finer details within the policy.

Even if you have excellent auto insurance, home insurance and medical aid it does always promise international travel insurance protection when you travel abroad. The unpredictable situations that can arise are endless, many of which that may not be covered by the insurance provider in your home country. This is why you may require travel health insurance for instance or any other relevant insurance policies for travel.

Travel insurance is a pivotal component to any sort of travel as it can be the determining factor in whether your trip is a complete success or an absolute nightmare. Aside from the financial coverage travel insurance provides, it also gives you a sound piece of mind!

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With the widespread availability of cheap travel insurance, there is no good reason to risk travelling uninsured. There are plenty of accidents that can befall the unlucky traveller abroad, and if you have insurance, these accidents will likely be minor inconveniences - if you don't, they could turn into expensive disasters.

Almost two million travel insurance claims are made every year by people from the UK, ranging from refunds on cancelled flights to the payment of costly medical bills abroad. While a great variety of claims are made, some are much more common than others. Here are the five insurance claims that you are most likely to make while on holiday abroad...

1. Medical Costs

With almost a third of recorded claims involving medical bills, this is by far the most common travel insurance claim. It is also the most expensive, at an average of almost £500 per claim, with insurance in America, Canada and Europe being especially expensive. Medical bills abroad can range from a few hundred pounds for basic treatment and medication to tens of thousands of pounds for helicopter evacuation or emergency repatriation. With prices that high, it is well worth investing in some worldwide travel insurance to cover you wherever you go!

2. Lost Baggage

After the disaster at Heathrow's Terminal 5 on its opening day (where thousands of pieces of luggage were misplaced), people are now much more aware of the risk of lost baggage. It is a common problem for holiday goers; indeed, it is the second most common travel insurance claim. The loss of personal items can be a frustrating inconvenience, but your travel insurance will cover the cost of replacing your lost possessions.

3. Cancellation of Flights

Many people buy their insurance at the last minute, but the threat of cancellation is an important reason to book up your worldwide travel insurance as early as possible - this is the third most frequent travel insurance claim. Whether it is because you have to cancel the holiday yourself due to a family or personal emergency, or because the airline cancels the flight, having cover for this is essential - the average cost of cancellation is just under £400.

4. Travel Delay
If your journey is delayed it can lead to plenty of unforeseen costs, including last minute accommodation and paying for alternate transport, and it is fourth on the list of common travel insurance claims. Worldwide travel insurance can help to cover the costs associated, so next time you are sitting in an airport waiting for a delayed flight, at least you'll know that your insurance is there to ease the cost!

5. Lost or Stolen Money

Cash is all too easy to misplace while on holiday, and is also the main target for pickpockets, casual thieves and conmen. Unsurprisingly, it is the fifth most common travel insurance claim made by UK travellers. A worldwide travel insurance policy typically features cover for the loss of money, so that if your wallet is stolen or misplaced you'll have your cash replaced.

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When we think about our holidays we often ask questions like "Will it be sunny?" and "Shall we hire a car?" rather than "Can I drink the water?" and "Where's the nearest doctor?" Here are our top 10 tips for staying healthy on holiday...

1. Get your jabs

Talk to your GP or practice nurse if you're going to a country where you'll need vaccinations, such as Thailand or Brazil. Early planning is the key - at least 3 months before if possible - as some vaccinations take a while to work

2. Pack your prescription meds

Plan early to make sure you have enough of your prescription medication to see you through your holiday. Keep your medication in your hand luggage, and make sure it's clearly marked.

3. Find the doctor

Locate your nearest pharmacy and doctor on the first day of your holiday - don't wait until something goes wrong. Ask your holiday rep, see your hotel receptionist or check in your guidebook.

4. Be careful - here comes the sun

And along with it comes sunburn, prickly heat and sunstroke. For most sun-starved Britons, avoiding the sun is probably not an option but try to be sensible. Drink plenty of water, re-apply your suncream every 1-2 hours and take extra care with babies and children.

5. Say bye-bye to bad bellies

Check whether the water is safe to drink and if not, avoid salad and say "no" to ice in your drinks. Upset tummies are one of the most common holiday ailments, so pack constipation remedies, diarrhoea tablets and rehydration sachets.

6. Take a mini-first aid kit

Pack a small first aid kit with safety pins, antiseptic wipes, antacids, aspirin, travel sickness remedies and paracetamol, as well as plasters - handy for flip-flop blisters!

7. Protect yourself

Even if you're not planning a holiday romance, it's best to be prepared. Condoms protect against pregnancy and sexually transmitted infections (STIs). Ideally, use condoms bought in the UK with the BSI Kitemark for safety.

8. Bring things for bites and stings

Don't forget your mosquito repellent - those pesky things attack mostly after dark. If you are bitten, you can use an ice pack, antihistamines or anesthetic cream to help reduce itching and swelling.

9. Keep up your 5-a-day

Our diet can change a lot when we're on holiday, but try to eat your 5 portions of fruit and vegetables a day. If it's a struggle, multivitamins could be a temporary top-up while you're away.

10. Get your travel insurance

Travel insurance is vital in case you, or someone in your family, needs medical treatment on holiday.

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You may think that international travel insurance is only necessary for holidays of longer duration as there is more of a probability that something will happen. However, every time you leave the country you need international travel insurance. That is the bottom line.

The Likeliness of Stolen or Damaged Baggage

If you end up getting hurt or ill, you may fall into a disastrous financial situation. Travel insurance allows you to avoid this troubling financial situation either partially or completely. There are millions of people who travel through airports every day. This means that it is likely that damage may occur to your luggage and in some cases it may even be stolen. However, you will not be at a complete loss if something is damaged or stolen as traveller's insurance will protect you from the financial burden of replacing them. Coverage always varies from company to company so make sure that you are insured for the value of your luggage.

Why Pay for Insurance?

These unfortunate situations can happen at any time. This is why it is crucial for you to always take out travel insurance for your trip regardless of whether you travel all of the time or once every few years. Surely you cannot afford to pay thousands of dollars in damage or in medical bills on top of the expense of the holiday itself. For just a fraction of what you would pay in medical or replacement expenses, you can buy a great insurance plan that covers you in all of the worst-case scenarios.

Tips on Choosing Travel Insurance

Here are some tips that will help you to choose a great travel insurance plan for when you go away.

• Read your plan from start to finish so that you know exactly what you are paying for and what you are covered under. Every plan is different and you will be charged differently depending on your age, where you are travelling to, your purpose of travel, the duration of your trip, your physical status and the type of coverage that you need.
• You should check with your current medical insurer to see if they cover injuries abroad also.

A good thing to keep in mind is if you are thinking about travelling, but do not have enough money for international travel insurance, then you should not be travelling in the first place. Every time you leave the country, you should have enough coverage for yourself and your family to avoid having to pay thousands of dollars in foreign medical bills and other losses from cancelled flights, delayed trips and damaged or stolen luggage.

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When planning a golf vacation, being prepared for bad weather, poor traveling conditions, and other mishaps means purchasing travel insurance. With this insurance, you will be able to earn a refund on your deposit for the trip, reschedule if possible, and not miss out on other opportunities to play on some of the world's most beautiful golf courses.

Most people who golf understand that the one thing they cannot control is the weather. Even though you may plan a trip during the nicest time of year, all it takes is one storm or windy day to ruin your golf game. Depending on how extreme the weather is, gold courses can shut down in a moments notice leaving you with nothing to do on your vacation and money lost on reserving a tee time, purchasing or renting equipment, and travel expenses.

One way to prevent the loss of too much money is to purchase travel insurance before each golfing holiday you take. Additional insurance can help you get some of the money you put down on a deposit on equipment, cart rental, and tee times. It can also allow you to reschedule without having to spend even more money.

Even if you never plan on play golf during your vacation, you should still consider buying travel insurance. It is very useful when traveling overseas or in case your luggage is missing after a long trip. Most health insurance plans do not cover you if you travel overseas, so purchasing additional insurance is a good idea. It will protect you in case of a medical emergency by allowing you to be given the care you need.

Depending on why you need additional insurance and where you are traveling to, most policies are inexpensive and cover your entire trip. Why risk traveling when you aren't properly insured? Travel insurance is available through companies that specialize in protecting people when they travel, your healthcare provider, or travel agent.

Ask plenty of questions before signing any agreements so you know exactly what is covered and for how long. Make sure your entire family is covered if traveling to another country when on vacation.

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Even the best planned vacations can be interrupted by glitches and emergencies. You lose your luggage. You slip, or catch a bug, and need medical treatment. These not only disrupt your itinerary, but can cost you a lot of money.

That's where travel insurance (also called travel protection) comes in. Specially designed to address the situations and risks involved in travel, it provides coverage from the moment you leave, to the moment you return to your home.

For example, travel insurance can reimburse you for any baggage or items that you may lose during your trip. This is particularly important if you plan to buy anything of high value, such as local antiques, or are carrying very expensive jewellery or electronic equipment.

Your standard medical insurance also tends to be limited to a network area, so without travel insurance, you will have to pay for any hospitalization or medical treatments you receive while abroad. This can be very pricey, not to mention stressful: imagine being sick and broke in an unfamiliar country! If you are visiting a place where doctor's bills and other emergency procedures are expensive, or where there are very real health risks, travel insurance is absolutely crucial.

Travel insurance is also very important if you plan to take a driving vacation. Many automobile policies will not extend coverage outside the country you live. The last thing you want to worry about is how to pay for a rental vehicle that got smashed by another driver, or take over the costs of repairing a car who you may have hit (a risk anyone takes by travelling through unfamiliar roads with unfamiliar driving rules).

Travel insurance can also provide protection against emergencies that are so specific to going abroad that they cannot be covered by your standard insurance policy. This includes trip interruption. Any fees or down payments that you may have made that would otherwise have been forfeited if you had suddenly cancelled your trip will be returned to you.

Travel protection plans can also provide assistance services like an emergency hotline and medical transportation services. This is very valuable when a crisis hits in a foreign country, where you may not speak the language or know your way around a city well enough to locate the nearest emergency facility. When you are distraught or distressed, or when time is of the essence and you need to get help right away, travel protection plans can be your safety net. You may be a stranger in a strange land, but you are not alone.

You may ask, "Why should I get travel insurance when I have really good regular insurance?" Many people are under the impression that their automobile, homeowners' credit card and medical policies are so "extensive" that they would automatically provide protection anywhere in the world. That is not necessarily true. You need to read the fine print. If you don't, and fail to take the additional coverage given by travel protection, then you may find out your insurance policies' limitation the hard way: when you are caught in an emergency, and spending a large amount of money (on top of the deductibles and co-payments) with the hope of compensation very far off. Travel protection is a sure guarantee of security. Now you can take your vacation with complete peace of mind--and isn't that what vacations are about?

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You cannot go on holidays without travel insurance. You need to make sure that you have a policy that protects you if something goes wrong. For example, medical expenses in the US are high. If something was to go wrong, and you have travel insurance, these costs would be covered. They will also cover you if you lose some expensive electronic goods or they get stolen. Most importantly, you have a peace of mind once you know that you are properly covered for the unforeseen events.

This article shares with you 3 tips on how to purchase your travel insurance.

Book your insurance early. Realistically you should purchase your travel insurance when you book your holiday. This will cover you for the cost of your airfare and accommodation should something go wrong before you leave. You need to make sure you book your insurance early in case something comes up. Otherwise you could find yourself out of pocket thousands of dollars for your airfares and hotel costs.

Go with a different company to your travel agent and airline. You need to make sure that you don't purchase your travel insurance through your travel agent or your airline. If they were to go bankrupt you would have no protection. However, if you have your travel insurance through another company you sill still be covered should something go wrong with one of the companies you are dealing with.

Make sure that you go with a reputable company. You should make sure that you go with a reputable company, as they will be well underwritten. You should do some research online to see if anybody else has said anything about any issues with making a claim.

Getting sufficient protection from the unforeseen circumstances is something that you need to do before you leave for your adventure. It is as important as organizing someone to collect the mail and look after your pets. If you don't, you are taking a hugely unnecessary risk

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Whenever somebody sets out to plan a holiday trip with a travel agency, they hear numerous times that they utterly need travel insurance before leaving. That it will be a big mistake if they do not get the insurance, and that they are an absolute necessity for your holidays. Is all this really true?

The first type of travel insurance an agent will try to sell you is health insurance. It is highly important that you find out if you really need it. Many insurance companies will insure you on other countries. In addition, there are some countries that have special health coverage agreements.

For example, in Europe there is a form called E111. If you fill out this form before traveling, you will be eligible to receive health coverage in any country in the European economic area, free of charge. Although dental, and private medical care are not included in this agreement, if anything should happen to you during your holiday you will be able to see a doctor at no cost.

A lot of people are purchasing travel insurance before going on an international holiday due to swine flu. However, many travel insurances do not cover for known events or pandemics. Since swine flu was declared a known event, you need to read carefully the fine print on your contract to verify if the insurance you are getting will cover for it.

The secondly most sold travel insurance is the one that covers for lost luggage. What most people do not know is the fact that most airlines offer you compensation for lost luggage, so there is no need for this type of insurance. This also applies to damaged luggage.

In addition, if you have an insurance company, they might also be able to cover for things like theft during holidays. So it is important that you talk to your insurance company before leaving to find out if they offer this kind of service to avoid spending money on something that you do not really need.

Regarding credit cards, many companies cover for stolen items of value, which were recently purchased. In this case, you will also need to call your credit card company to find out if they offer this type of insurance, since you may not need to purchase extra credit card travel insurance for your trip.

In the case that you do decide to purchase travel insurance, just make sure that you only purchase the insurance that you do need. Also read all fine print to learn the exceptions that may apply to your insurance coverage and to find out if there are any extra fees or deductibles that you should be aware of.

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When storing a vehicle, it is important to consider where it is going to be located while off the road. If contemplating outdoor facilities, the vehicle is likely to be exposed to rain, wind, freezing conditions and sunlight. These conditions each have a deteriorating effect on the vehicle. This may not be apparent on a day to day basis but it will become evident over a longer period of time.

Flooring

When storing a car, the vehicle should be parked on a hard standing, such as concrete which has been sealed. The importance for sealing the floor (typically by painting with specialist floor paint) is to stop moisture being drawn up from the ground and then up onto the underside of the vehicle. This would usually occur in the evening when the air cools and warmer air becomes trapped under the car. When the cooler air meets the warmer air, a dew point is reached causing a film of moisture on the underside of the vehicle. This can lead to the rusting of the underside of the vehicle. A sealed floor will prevent this.

Seal any gaps

Ensuring the place of storage is fully enclosed allows further protection against weather and rodents. As the weather cools, rodents will seek somewhere to shelter - your car being the perfect place! Damage caused by rodents may only be noticed when the car is removed from storage which is often too late. Damage caused, such as chewed wires and fouling, is not only unwanted but also costly to repair.

Placing rodent bait around the place of storage allows the monitoring of any breach which can then be dealt with.

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Travelling without insurance for skiers and snowboarders - those with car loads of equipment worth its weight in gold, is simply not worth the risk. Ski travel insurance is an essential on any ski holidays.

Single trip insurance is available for those who are first-time or one-off of holiday makers. It can provide you with all the coverage you need without putting a dampener on the holidays spirit (by putting a dent in your funds). Cheap insurance will cover what you want, for as long as you want and in those situations you deem most risky, the insurance policy can be tailored your needs, and with a cost determined by your preferences. The ski holiday will be such a care-free one you will be sure to want to go again and again and again... and there's a ski insurance option to suit you in this situation too. Annual trip coverage or the multi trip travel deals can provide you with security for that family ski holiday that has become a tradition and takes place in the forest lodge ski resort in Thredbo village every year in September, with insurance ski holidays like these, While travelling is always a good idea, and there are those who make them not only fun but safe.

Whether it's a group of students off on a low budget skiing and snowboarding getaway or honeymooners looking to relax in luxury in a ski resort for the week of their lives there are insurance policies to match your needs. There are risks inherent in any skiing trip and ski travel insurance is the best way to prevent those risks from turning into realities that will ruin your ski holidays. You don't need to have expensive cheap ski travel insurance will provide you with the security and peace of mind you need to properly enjoy your holidays and protect yourself and your friends or family against any misfortune without breaking your budget. You might think you are competent on the slopes, but others under your care might not be, or with a couple of glasses of wine and a heavy snow storm your eyesight and the ski run may not be as clear as you imagined. Don't take the risk, take out ski travel insurance. There are insurance policies which can cover not only you but those who are travelling with you, policies which ensure inherent risks are carried by the host ski resort, accommodation facilities or the skiing and snowboarding park managers so that you can ski and snowboard at your leisure with out any concern of bearing the burden of costly accidents or mishaps.

Skiing and snowboarding can be dangerous activities, especially when undertaken by novices or those not frequently involved in the sport, this is where backpacker travel insurance will make all the difference. Skiing and snowboarding have never been so much fun, spontaneous ski holidays have never been easier and your equipment, your health and your wallet have never been more so accessible and so affordable either so protect yourself and your possessions when you travel.

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Tempted on skipping your travel insurance this year? Think again! With cheap holiday insurance widely available online and typically adding only a few pounds to the cost of your trip, there's really no excuse not to buy it. If you're still not sure, here are six stories that might help to change your mind - sometimes fate conspires against you in a particularly nasty way...

Look Out Below!

Here's a story to make your skin crawl! A traveller in South Mexico had the misfortune to be the victim of a fly that lays its eggs in living flesh. The eggs hatched into four worms beneath the skin - three of them were removed easily by a doctor, but the last one was proving more problematic. The inventive doctor suggested leaving a piece of meat on the leg next to the wound - sure enough, six hours later the worm had been tempted half way out and could be removed entirely. Medical costs that are claimed on travel insurance usually aren't as grisly as this!

Scorpion Stowaway

Despite the rigorous security at airports nowadays, occasionally something slips through. A penknife forgotten at the bottom of the bag, a tube of toothpaste that is over the regulation limits for liquids...or even a scorpion hiding in your backpack! On a flight from Miami to Toronto a tiny stowaway crawled out of someone's backpack and stung another traveller. One can only hope that the unlucky traveller had holiday insurance to cover their medical bills and the likely delay to their flight!

Legless at the Airport

British Airways staff were left red faced after losing a New Zealand woman's prosthetic leg...especially since she was travelling to compete in the world athletic championships for the disabled. That's the kind of personal item that you really want your cheap holiday insurance to cover!

House trained Police?

Sometimes threats to a traveller's health, wallet, and sanity can come from the most unexpected sources - two police dogs at an airport in Thailand were suspended from duty for making "sexual advances" on passengers and then urinating on their luggage. It may sound like just a funny story, but without cheap holiday insurance the passengers would have to shell out for the replacement clothes and luggage themselves - or put up with some decidedly bad smelling underwear for the rest of their trip...

A Victim of Intrepid Pickpockets or Just the Laws of Physics?

A nervous traveller in Barcelona was warned that muggers and pickpockets were rampant along Las Ramblas, so before venturing out she filled her underwear with $1500 in Travellers Cheques. Naturally, before the day was out they had all disappeared, whether it was into the hands of especially adventurous pickpockets or simply down the legs of her trousers will never be known.

The $150,000 Tick Bite

You should never underestimate the cost of even the most minor holiday mishaps, as an unfortunate gap year traveller in America found out to his peril. Bitten by a moose tick, he then developed Lime's Disease, a very dangerous condition that can lead to heart attacks and strokes. Several weeks in hospital meant that he missed his flight back home, but fortunately his travel insurance covered the cost of the medical bills and a replacement ticket - estimated to total over $150,000.

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Few things are as exciting as launching off on an international travel excursion. Whether for business or pleasure, traveling overseas gives you the chance to broaden your horizons and see sights that you have only imagined. With this excitement also comes risk because when you leave your home country there are a variety of things that can not only interrupt your trip but make it dangerous too. The good news is that international travel insurance can greatly reduce the risks that come with traveling abroad.

A key element of international travel insurance, and one you should investigate thoroughly, is medical coverage. You want to be sure that you have adequate coverage for in-hospital or acute care but you also want to make sure that if you should have to be medically evacuated you can get home without breaking the bank. A medical evacuation can very easily exceed 100 thousand dollars, depending on where you are coming from and what country you are returning to. It is not uncommon for international travel insurance to cover the cost of a loved one to be transported home with you.

Keep in mind that we said "most" international travel health insurance policies will cover the cost of having a companion bring you home. That means that not all international travel insurances plans offer similar coverage. You need to be sure to examine all the exclusions and considerations for the medical insurance that you are looking at to make sure that the plan you choose really fits with the type of travel that you do.

Because we have access to computer technology it is very possible to find a good cheap travel insurance. You will need to be sure to look for the type of international travel insurance that best matches your needs though. Will you be taking just one trip or do you think that you will have multi trips throughout the year? Will you be engaging in adventure sports? Are you traveling for business or for pleasure? These are all factors that will go into the actual prices you are quoted for travellers insurance.

Fortunately most of the troubles that can upset an international trip are not pricey medical problems. Smaller problems can cost you money too though. International travel insurance can ensure that you are not left holding the bad should your trip be cancelled or delayed due to circumstances beyond your control. This is of particular concern to holiday travelers who have invested a great deal to take their annual vacation only to have lost baggage, a stolen wallet, or some other incident cause difficulties. Having international travelers insurance can eliminate the worry over these types of occurrences.

The real message here is that whatever type of overseas travel you intend to do, there is an international travel insurance policy that can help you avoid the kind of situations that can disrupt your trip and end up costing you a great deal of money. It will be up to you to do the research necessary to find cheap international travel insurance but it can be done. In the end, you will be very glad that you took care of this one very important detail. It will take the worry about of your plans and help to make your travel stress and worry free.

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Travel Insurance is essential, and everybody should take a look at it, before hitting the road. The right insurance can easily spell the difference between a bargain flight and a financial disaster. On the other hand, many people buy insurance, which they do not need at all. Or, they buy insurance coverage which they already have through their credit card.

There are three general types of travel insurance

Health related insurances covering the risk of sickness or an accident on the road
Luggage insurance
Insurance covering change or cancellation penalties
I want to make a few points for each category.

Travel Health Insurance

People need coverage of medical expenses at home. On the road you need it even more. The first step before buying special health coverage for your trip is a check of the policy of your existing health insurance. On the road you need treatment costs, including expenses for hospitals, and transport back home, to be covered. Very helpful is an emergency phone number, where you can reach somebody familiar with the country you are in. He may know the right doctors, have an idea which hospitals are good, and have a relationship with them allowing for treatment without the need to pay the hospital before you are admitted.

But please check the fine print. Mental illnesses are almost always excluded from coverage. If you have an address in the country you visit, or if you are a citizen of the country you visit, coverage via travel insurance may also be declined.

Luggage Insurance

This type of travel insurance is straightforward. If your luggage gets damaged or lost during your trip, you will be refunded. But check the fine print for excluded items. Expensive gear, like computers, cameras, jewelry and obviously cash are often excluded. There may be also provisions that you cannot leave expensive items in a car, or that some things need to be kept in a safe.

Insurance Covering Change Fees

A classic form of travel insurance covers the costs of changing or canceling a trip for specific reasons. The triggers may include sickness, pregnancy, death of a family member, unexpected unemployment and more. Check the policy of any insurance for these triggers, because they are not always the same.

Before insuring against a change penalty you need to have a hard look, whether it is really helpful. The trick is that insurance premiums are determined by the price you pay for your ticket or vacation package. But, on the other hand, penalties for changing or canceling a ticket are generally lower for higher priced flights and packages. This means, if you do not take care, you may pay 50 Dollars to cover a risk of 120 Dollars in case you need to cancel or change your plan. This does not make sense.

But it is also possible that a policy of no change and no refund allowed is connected to your ticket. In this case, you may lose the whole price you paid for your package, if you become at travel time. Under such rules travel insurance covering change and cancel penalties definitively makes sense

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Whether it be due to retirement or just simply having more time over 65 year old are the most common people to travel however many find it difficult to find reasonable travel insurance as over 65s are often penalized and some travel insurance companies will simply refuse to insure someone over the age of 65.

Because of this increase in cost it is becoming g more and more difficult to find those that are over 65 a low cost travel insurance package. Many travel insurance companies will state this is due to the pr existing health problems with people in this age bracket.

If a person is more likely to claim on their travel insurance policy then the insurance companies will increase their premiums to cover this cost or sometimes just refuse to cover someone at all which can be both frustrating and inconvenient.

If you are looking for travel insurance and fit into the over 65 age range then it is important to be as honest as possible with your travel insurance company. If you receive cover and have not been honest about pre existing illnesses then you may find your self in a situation where you are not covered

You may think that by the age of 65 you should be able to look forward to as many holidays and trips abroad as you possible can, finding suitable travel insurance really can be a daunting task and unfortunately as your age grows so does your travel insurance premiums.

However all is not lost, although it may be more difficult there are companies that can provide you with the travel insurance and peace of mind that travel insurance can offer you, it may just take a little longer to find it.

Having adequate travel insurance is extremely important no matter what age you are and is not something that should be over looked. The best place to start when looking for travel insurance is over the internet. Using online forms means that you can fill out and compare prices in the comfort of your own home.

Once you have found a package that suits you and your fellow traveller you will be able to enjoy your holiday knowing that every event is covered. Once you have found a company that suits you and provides you with help and support you will also know that you can use the same company time and time again so you will not be dreading your next vacation.

If you find your self struggling to find travel insurance for your age group ask friends and family for recommendations its is possible they have recently taken a trip themselves and can give you details of the insurance company they used.

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Travel insurance provides individuals traveling for business or holidays with safeguards they may need prior to, during and at the conclusion of their trip. With the huge increase in people traveling over recent decades, many more insurers are starting to offer cover to travelers. Today, individuals are even able to buy travel insurance online, making cover more cost-effective and easier to obtain. For those who have always used a travel agent to arrange their insurance in the past, the following article will provide information and tips for obtaining cover online.

1. Find a Provider

The first step in the process is to find an insurer. An internet search will return some of the available insurers, or try asking friends and family who they purchased their travel insurance through last time they went on holiday. Most of the larger insurance companies who offer auto, health and life insurance will also offer travel insurance - including AIG, Assurant and Nationwide, to name just a few. The great thing about buying travel insurance online is that it is easy to compare policies and insurers.

2. Review the Policy Inclusions

When searching for travel insurance online and comparing various insurance companies, it is important to review the policy inclusions offered by each company. Some of the things to look for include premium costs, deductible amounts, term of the policy, and maximum amount of reimbursement and in general what coverage is offered under the travel insurance policy. Once you determine this information you can accurately compare the various offers and see which one offers the benefits and cover that you are looking for.

3. Determine What Isn't Included

By simply reading the print on the documents you will be able to determine what the individual travel insurance policies include. However, it can be just as important to be aware of what the policy does not include. Read the policy wording for any general exclusions to cover. It can also be a good idea to follow up the search for travel insurance online with a call to the company. By speaking with a representative you will be better able to figure out what the policy does not cover and if that provider's particular policy is right for you.

4. Consider the Cost of Adding Family Members

When looking into travel insurance online, you should also determine how much it will cost for the whole family to be on the policy. If traveling as a family, this is extremely important as many will look at the individual price for travel insurance and forget that it only includes one individual. This is particularly the case with annual travel insurance. Some providers will cover financial dependent children traveling with the main insured at no extra cost, other providers may not. A family policy is generally a good idea, and will often provide cover for the whole family at a discount.

5. Sign Up

When you find an insurer that provides what you are looking for, the final step is to sign up for the policy. You should be able to fill out the application, pay and receive the policy documentation online. This is an extremely convenient way to obtain a travel insurance policy and by booking online without a travel agent it is normally possible to get significant discounts.

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Whether your next dream holiday is an African safari, Caribbean cruise, ski trip to the French Alps, backpacking in Thailand, sunning yourself on the beach in Barbados, or a quick budget city break, the one thing you cannot afford to skimp on is travel insurance.

If you think your holiday budget is tight now, stop for a moment to imagine what the state of your finances might be like if you left home without travel insurance and the worst happened. Suppose you contracted a tropical disease in Africa, slipped on deck or fell overboard on your cruise, got caught in a tsunami in Thailand, broke your leg skiing (or injured another skier - liability), or stepped on a stinging sea creature while paddling in tropical surf. Medical bills could leave you literally gasping in disbelief as you limp back home.

Travel insurance is one area where it is not wise to bag the cheapest policy on an internet comparison-site - or rely on the one that came free with a membership. Always delve a little deeper to ascertain the levels of cover offered with a policy. They may be adequate - but they may not.

Even the wealthiest travellers, celebrities and glitterati, take out travel insurance. They may be able to afford any unexpected costs, but most are too well advised to take such a chance.

The type of travel insurance you choose depends largely on the type of holiday, the activities you plan to participate in, and the destination. The costliest problems are usually associated with Medical Expenses, Personal Liability, and Legal Expenses. Although other aspects of insurance are important, replacing personal effects and lost luggage may be insignificant in comparison. The amount of cover for Medical Expenses and Personal Liability is usually in the millions with any policy. If you are confused or unsure about the levels of cover included, it is wise to call and obtain advice from an established company - one that you trust.

Getting injured of falling ill overseas could be potentially crippling to your long-term financial health - or put a very serious financial burden on your family. In some areas of the world, especially remote locations and island nations, you may need transfer by air to the nearest country with adequate medical facilities. One thing you can count on is that hospitals and medical facilities will not skimp when they hand over the bill for their medicine and services.

One of the most expensive scenarios might involve having a heart attack, a subsequent long-term stay in intensive care, and eventual repatriation (being transferred home) via air ambulance with a medical escort. If this happened in the U.S. the costs would be truly astronomical, potentially running into tens or hundreds of thousands.

We are talking worst-case scenarios here, and the intention is not to cause undue alarm. However, when you put the cost of your holiday package on a credit card, you know that you may still be paying for it next year. Imagine the consequences of an additional £50-100,000+ in uninsured medical costs on top of that. It would put an end to your holiday plans for many years to come. It simply is not necessary or smart to expose yourself and your family to such potential financial devastation.

If you think travel insurance is not necessary because you plan to spend all your time relaxing and sunbathing on the beach - think again! Save the skimping for your swimwear! If necessary, pay a little more for adequate insurance and buy yourself not just peace of mind, but a whole lot more cover where you may need it most!

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If you are a senior citizen who likes to travel and go on holidays, then you might be wondering about whether or not you should consider getting travel insurance. The answer is that travel insurance can help to provide you with much needed protection and coverage when you are away from home. It can be scary to think about going out on holiday without making sure that you have some form of coverage, and many travel insurance companies will gladly accept people with pre-existing medical conditions. This way you can be sure that you are covered no matter where you are going, and you can better enjoy your time.

We all know how stressful it can be to get ready for holiday travel. Everything from the packing, to the organizing your home, to even pre-paying all of your bills so that nothing will be left undone while you are gone, can cause you enough of a headache. During all of this packing and fretting it might be easy to overlook the need for travel insurance. However, getting this kind of insurance is far easier than other traditional forms of insurance, and if you simply take the time to go ahead and fit this into your holiday planning you can feel relieve some of the stress and worry about travelling.

When you think about travel insurance, you may automatically assume that it primarily deals with medical problems. While this is a vital part of getting insurance for your holiday, it is not all that is covered. Even though different companies provide various levels of coverage, most of them will help if with problems from lost or stolen property, travel delays and cancellations, and a number of other issues. Not only this, but most companies offer some form of twenty four hour assistance so that no matter when you might encounter a problem, the operators will be there to help you.

The important thing to remember if you are a senior citizen who is looking into travel insurance is that you should be sure to check around with the coverage provided by different companies. This way you will be able to choose from a number of policies with various options and considerations. In finding out what all of the companies offer you will be able to individually tailor a travel insurance policy that will work to fit in with your plans and needs. Since insurance is one product that can be modified to fit in with your needs, you will want to take full advantage of this to build a specific policy that you feel best suites you.

In short, if you are a senior citizen who likes to travel, it is probably a very good idea to look into all of the travel insurance options that are available to you. This way you can go on your holiday without having to worry about many of the unexpected problems that can often arise when you travel.

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If you are a senior considering traveling, it is absolutely crucial that you buy travel insurance for seniors. When traveling, seniors are at greatest risk of having a medical emergency. Getting the right insurance package for your age group can protect your health and give you peace of mind.

Travel insurance for pensioners is something you should really consider. The older you are, the more at risk you are for having something bad happen to you while abroad. If you are not covered by some comprehensive insurance, you could have some serious problems.

The major concern is that if you have a medical emergency abroad, you will end up in a foreign hospital with no medical coverage. You could end up paying thousands of dollars in medical bill. There are cases where people have had their entire life savings wipeout while abroad, just having to pay for critical medical support.

Since you are a senior, you fall under a special category when being considered for insurance. This category can included insurance for over 60, insurance for over 70's and travel insurance for over 80's. There are different insurance packages because each decade you age, there are additional risks for the insurance companies.

If you sign on to a insurance package not specially catered to your age, you may find that you are NOT covered for many clauses. This is the last thing you want: assuming you have insurance when you actually don't.

So make a point to talk to an insurance agent or look at some online insurance websites to find a package that fits your age.

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For most people, the worst thing that can happen to them on holiday is a missed flight, a stolen wallet, getting sick or having a minor accident. If you've been smart and bought some cheap travel insurance, you'll probably be covered for these commonplace holiday mishaps.    

But in some countries, travellers face the risk of much more serious disturbances to their holidays. Wars, civil disorder and even terrorism are among the dangers that you may face, and even if you've bought travel insurance, it may not be able to help you in these situations. It is vital for UK travellers to know how these extreme circumstances can affect their travel insurance, and what precautions to take before they go - travelling to a dangerous area with inadequate insurance cover can be a recipe for disaster.

War and Civil Disorder

If you travel to a country that is at war or suffering a serious political disturbance, it is one of the surest ways to invalidate your travel insurance - most standard insurance policies will not cover you if you travel to an area that is known to be unstable or in conflict. If a coup or civil disturbance breaks out while you are actually in the country, holiday insurance policies vary - some still won't cover you, even if the event was relatively unexpected, whereas others will provide some degree of cover.

Terrorism

A new potential threat for travellers in the 21st century is terrorism. Terrorist attacks are sudden, violent and unpredictable and, aside from the obvious risk of injury or death, a terrorist incident in the country you are travelling in can lead to the delay or cancellation of your holiday. Much like war and civil disorder, terrorism covers from policy to policy. Some provide no cover at all, while others offer you the full benefits of travel insurance in the event of a terrorist incident.  

What to do

If you are concerned about civil disturbance or terrorism and how it might affect your travel insurance, there are two important things you need to know:

What is the risk of terrorism or civil disturbance is the destination you are travelling to?
What is in the small print of your travel insurance concerning war, civil disturbance and terrorism?

Research your destination before you go - The Foreign and Commonwealth Office website is the best place to check up on the political situation in your destination. Read it carefully; some countries that are otherwise safe to travel in have total no-go areas (such as the Darian gap in Panama and the tribal belt in Pakistan.) If a country or region is flagged under "Do not travel under any circumstances", the chances are that your insurance company isn't going to cover you if you travel there.

Once you've assessed the level of risk in a particular country, you'll know what level of cover you need from your travel insurance. Terrorism cover is becoming increasingly commonplace, even with cheap travel insurance, but cover for war and civil disturbance is increasingly hard to come by.

Make sure you know the risks, and get the best possible cover for your circumstances. Most people buy travel insurance and barely look at the small print, but with a little online research, you can get a comprehensive policy that perfectly suits your personal needs.

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Backpacking remains one of the most popular choices for gap-year students and wannabe travellers alike. Many choose to head to exotic destinations to work hard and explore some of the world's most iconic destinations.

Countries such as Australia, New Zealand and South East Asia are among some of the most popular destinations for backpackers and budding travellers alike. However, there are those who prefer to visit other countries a little nearer to home - whether it's a tour around Europe or a road trip across the United States.

If you're thinking about heading off to far and away places in search of adventure, there are a few aspects to bear in mind before you travel:

Where would you like to go?
How much will it cost to get there?
How long can you afford to stay or travel for?

Research is key when planning a backpacking excursion, from your travel route to travel insurance comparison. Be sure to do plenty of reading up on the countries you are planning on visiting, including laws as well as tourist destinations and travel information.

Work out a route that you want to take in the country of your choice and the best mode of transport to get you there. Whilst many will be content with using public transport to get from A to B, there are those who prefer to hire or buy a vehicle for the duration of their trip. This can allow you the freedom to explore more of your country of visitation, and can be particularly handy if you want to visit attractions that are off the beaten path.

When preparing the paperwork for your trip, it is important to ensure that your paperwork is up to date and valid in the countries that you plan on visiting. This can include your passport, birth certificate and any insurance policies you have taken out in preparation for your excursion.

It can be worth taking some time to compare travel insurance policies before you travel and take out a policy that's best for your budget. However, be sure to check potential policies carefully, as some may not cover some of the activities that you may wish to participate in - such as winter sports and scuba diving.

By taking the time to thoroughly plan your backpacking trip - from finances to immunisations - you can help ensure that you get the most out of your experience abroad. Make sure you have enough money to last you, taking an emergency credit card with you just in case, and be sure to stay safe during your backpacking excursion.

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There are many different types of traveller. There are business men and women who are flying from one city to another for brief meetings, then there are families taking a two week holiday to the sun with young children, then there are students or gap year travellers who will be backpacking around exotic locations on extremely low budgets. There are really about as many different types of traveller as there are different types of person.

There are many different approaches you can take to booking your travel arrangements. Your main priority may be convenience, for example if you have a meeting near the airport you will need airport accommodation and little else, however, if you are travelling for pleasure, you are likely to have far less restrictions and will be willing to consider all types of arrangements. You can have these arranged for you by a travel agent or you could do it for yourself online. Or alternatively, you may wish to simply travel to a city or country with absolutely no plans and just see what happens when you get there.

On of the things you should always travel with is proper health and travel insurance. Obviously your requirements will again vary depending on what kind of travel you are undertaking. If you are travelling for business, full travel insurance that will provide you with alternative flights if yours is cancelled or delayed will be important. For most holiday travellers, this may not be quite as important. If you are travelling with children you may wish to consider it, but otherwise you may be quite flexible and tolerant if delays do occur. But you may be more worried about your luggage and belongings and wish to have good coverage for loss or damage to your property. All these options are available today with the various travel insurance companies that are operating in the market.

Generally speaking, you will always need health insurance when you travel. You cannot afford to take the risk that an accident or serious injury occurs and you do not have proper coverage. There are many parts of the word where free national health insurance is not provided and if you do require medical treatment, it will only be provided if you can pay for it. Particularly if you are travelling with children, you should always arrange adequate travel insurance with medical coverage. This is simply a risk that you do not want to be bearing yourself especially when the cost of travel insurance is so affordable.

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Cheap travel insurance has a reputation of being quite a dull area to work in. While it does have its dull routine moments, just like any other job, these are made up for by the occasional inspired funny travel insurance stories you hear. It's hard to say how many of them are either exaggerated, hugely embellished or just plain made up, but I still found a few of these travel insurance stories made me laugh while I was researching this article, and that's good enough for me.

Here's 13 funny travel insurance stories. While 13 is traditionally an unlucky number, a fair few on this list will consider themselves very lucky to be covered by understanding travel insurance companies! The remaining ones who were turned down will no doubt have learned an invaluable life lesson!

Cheeky Monkeys Cause Havoc

According to this tale (tail?), a group of cheeky monkeys conspired to ruin a couple's romantic trip to Malaysia. Due to the heat, the couple left the window of their chalet open during the day while they went out, but regretted their decision when they returned to discover their clothes and belongings all over the surrounding resort and neighbouring rainforest. The couple's insurance company were thankfully understanding and ensured they did not need to keep re-wearing the same clothes for the remainder of their trip!

A LOT of Bombay Mix

You know Bombay Mix? The spicy Indian snack food. One traveller claimed to have lost £600 worth of the stuff on his way back from holiday, and tried to claim on his travel insurance. With Bombay Mix costing less than £1 per 250g bag, a conservative estimate is that the man would need to be carrying over 80 kilograms of the snack to have racked up £600 expenses! Quite hard to misplace, you'd have thought, and the travel insurance company agreed, refusing to pay the claim.

A sting in the tail

One traveller lost his wallet down a drain, while exploring Natanya in Israel. However, rather than filing a police report and contacting his travel insurance providers, the brave individual tried to fish his wallet out of the drain - only to be stung by a poisonous scorpion which had made the area its home! The man's treatment (and presumably his missing wallet) was covered by his travel insurance.

Geronimo!

Winning the dubious honour of the most unlucky on the list, this family's camping trip went awry when a parachutist from the nearby airbase missed his target and landed squarely on the family tent. The camping equipment was ruined, and to add insult to injury, they were not covered for accidental damage so had to foot the bill themselves.

The joke's on the burglar?

A fairly routine claim for a stolen cosmetics bag took an amusing twist when it was revealed that the victim had transferred her medical-strength haemorrhoid cream into an empty moisturiser tub earlier in the holiday. While French police remained on the lookout for a suspiciously smooth-faced thief, the woman's travel insurance company paid up for the missing make-up, perfume and lotions.

Wrong airport, wrong country!

A man who claimed for a holiday cancellation when he was refused entry to a flight was turned down, when it emerged his flight wasn't from Manchester in the North West of England, but Manchester, New Hampshire in the United States.

Some claims just aren't worth the excess!

Here's a tip for you - if you have an excess you need to pay on a claim of £50, make sure your stolen possessions are worth at the very least £50.01! One traveller who had his bag snatched on holiday had his claim turned down, when it was established the complete inventory of contents was: 1x bottle of water, 1 x newspaper and 1 x packet of mints. No wonder his cheap travel insurance claim was rejected.

Criminals aren't the only animals to ruin your trip

If you're holidaying in the Black Forest, you may want to make sure you lock up properly when you leave the house. One family came back to their chalet to discover their home had been invaded by one hungry goat, which had proceeded to much his way through their wallets, passports and sandwiches. Their claim for new passports and wallets were rejected on the grounds of negligence in leaving the chalet wide open.

Coconut Shy

If you're planning on relaxing under a tree in Sri Lanka, it's worth checking your spot carefully, as one traveller found after being concussed by a falling coconut. The injury knocked her out, which may sound unlikely until you consider that the average fresh coconut weights 2 kilograms, and their trees grow up to 30 metres high. A coconut travelling at 53 miles per hour is no joke, and it's unsurprising that the traveller was reimbursed the £400 medical bills.

Coconuts lost

On the other hand, others apparently cannot function without their coconuts: a couple returned from Mauritius to discover their local produce missing. Claiming for two lost coconuts may seem like a reasonable idea on paper, but with each one costing less than a pound to replace, and an initial excess on any claim made of £50, it's no wonder the travel insurance providers turned this one down.

A what!?

Occasionally you hear of a claim for something that's just completely baffling, and it was as such for Direct Line, who allegedly received a claim for a "guitar made out of a pumpkin".

A burning desire for a drink

At the ironically labelled 'Fire Bar' in Greece, one reveller paid the price for 'needing a drink' when she remained at the bar waiting to be served despite a loud buzzer and the rapid departure of others clamouring for a pint. Unsurprisingly, the buzzer turned out to be a fire alarm - a fact which she finally appreciated when the flames engulfed the area. She escaped the scene with third degree burns and £300 of medical expenses to pay - which her travel insurance company covered.

Someone's fibbing!

Finally more of a fact than a funny travel insurance story, but its believed that there have been more claims for stolen £1000 Rolex Oysters watches than have been manufactured. It seems some people have been creative with their travel insurance claims...

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Accidents may happen and other things may occur to endanger your life or your health. So why be exposed to those risks and do nothing about it? Of course, it does not mean you have to stop traveling altogether. But always take precautions.

There is nothing wrong with being overly cautious. And also, it would be for the best if you avail of holiday insurance. But what exactly is this insurance and why buy it?

What Holiday Insurance All About

Holiday insurance is also called vacation insurance. It will serve as a great backup plan for you if ever something untoward happens to you during your vacation travels. If ever you fall sick or got involved in an accident and you need to be hospitalized and have to pay for large medical bills, the insurance will get those medical bills covered.

Not all travels to all countries are covered by holiday travel insurance though. So you have to do some inquiries first about the coverage of the insurance you are buying. Also when choosing the right one for you, make sure to do a lot of research and inquiries so that you would make the right choice.

Why Buy Holiday Insurance Then?

Vacation travel insurance may seem not important to many of you, but you might want to revise that opinion. Of course, nobody wants to be involved in an accident and as a good traveler, you should exercise caution. But in cases when accidents do happen, it is best to have something there to cover for you financially.

Yes, you have to pay upfront for vacation medical insurance and you may think that the monthly payment obligation is unnecessary. But think about it for a while. If you got into an accident or whatever situation that needs you to be hospitalized and the medical bills are so high, you may not have that money with you right there and then.

The payments or the holiday medical insurance however are not that big and it could truly benefit you when the time comes.

Cheap Holiday Insurance Deals Are Easy To Find

Another reason why you should get insurance for your vacation travels is that you can actually find lots of cheap holiday insurance deals out there. It's a very competitive market!

To find the cheap vacation insurance for you, be inquisitive and make sure you understand the information you are gathering. Paying an affordable price (perhaps on a monthly plan even), for your insurance so that an expensive medical bill can be covered during your travels is definitely to your advantage, right?

If you have a routine that enables you to travel to different places every year, then it would be best for you to buy an annual holiday insurance. All you have to do is find the right provider.

Luckily, the internet is one of the best places where you could start your search for your annual vacation insurance. Get some quotes and decide properly what you need and then jet off on your vacation with a warm, confident feeling that will help you enjoy your vacation to the full.

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Child safety abroad has been in the news lately, and there's a very real paranoia in travelling with kids. Travel insurance for children is a good precaution, but won't protect against abduction or worse, so what should parents do? What is smothering, and what is too little care? Here are a few tips to help those worried about their kids' safety in the sun.

Get Travel Insurance for Children

Okay, so it wouldn't cover the kind of high profile abductions that have made the headlines lately, but getting travel insurance for children means you can relax that little bit more. If they get sick, your medical expenses will be covered, as well as the usual perks of the product. Some travel insurance aimed at children also covers them when travelling without parents or guardians, which is a must if they're heading out solo for your peace of mind.

Keep Kids Safe in the Sun

Although it may seem less important, the hot and unfamiliar climate can be very damaging to children's health - especially younger ones. For that reason, take insect repellent, sun-cream and after-sun with you wherever you go. Children have far thinner skin than adults and are at a real risk of sunburn and associated sickness. Make sure it's at least factor 15, and that you apply it every two hours and after swimming. It's a good idea to dress small children and babies in sun hats to protect their face and neck, too - if they'll keep them on!

Leaving Kids Alone

A lot has been made about the dangers of leaving children unsupervised, and it's true that there is a slim risk involved - but it becomes negligible if you take due precautions. Make sure you get a baby sitter, or have someone in your party stay back each night to take on the duty. An often overlooked alternative if heading out to dinner is to take the kids with you. It may seem like a recipe for ruining their routine, but there is always the option for them to fall asleep in the pushchair, and even if they don't, some experts believe there's no harm in kids having an occasional late night and taking a beach siesta the next day - provided you remember the sun-cream, that is! The best child safety technique is to keep them close!

Picking the Right Room

As something of a safe haven away from the dangers of the world, it's important that you make sure your room is a good choice for your kids' safety. The first thing to remember is that being on the ground floor, while convenient, is a lot easier to break into, so is to be avoided if possible. The flip side of this coin is that the higher up in a block you go, the more danger the balcony drop presents! Ask ahead of your stay about the balconies and make sure they're child safe. The railings should be close enough together to prevent tots squeezing through, and high enough to be impossible climbing territory for bigger explorers.

You should always take a carbon monoxide detector on holiday. It's very unlikely you'll need it, but they only cost a couple of ponds and could safe your lives. Your child's safety comes first.

Stick Close

The best advice for child safety is of course to stay close, but it's possible to be too paranoid about this. If your children are settled and unlikely to wake up, most experts agree that it's not unreasonable to leave them alone in their room as long as it's secure and you keep an eye on it.

If they do manage to get lost while out and about, bear in mind they won't know their address and phone number as they might at home, so it's worth putting their contact details on a piece of paper and putting them in a zippable pocket. A meeting point for older children is an alternative.

Training is Everything

Children of 3 and over can be taught of stranger danger and how to deal with such things. Shouting loudly when a stranger tries to grab them ("You're not my Mummy/Daddy!") to attract the attention of others is a worthwhile skill, as is being aware of what to do if they're lost. Tell them to find someone official looking - a policeman or a member of staff. Tell them that if they can't find any, then a family with young children will do.

Know your Surroundings

Perhaps the most important thing to do to ensure your kids' safety abroad is to get to know your environment and where things are. Make a note of the nearest police station and doctors' surgery in case you need to get there in a hurry. Basic first aid training can also be a life-saver - literally! The safety of your children could depend on it.

Don't let all this make you an overcautious parent! Part of the joy of children is their desire to learn and explore - just practice sensible precautions, keep an eye on your child's safety, and make them aware of what to do if in danger and you and there's no reason that you and your kids should have an unforgettable and enjoyable holiday.

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