Is travel insurance a rip-off? That is a simple question with a complicated answer. To properly understand this issue, you should first understand what travel insurance is. The definition of it is fairly straightforward -it's short term insurance that covers you while you are on vacation. Travel insurance coverage depends on the parameters of the policy, but in general it extends to lost or broken luggage, thefts that happen during your vacation, medical needs that might arise during your vacation and lost personal items.

There have been many documented occasions of travel insurers being downright fraudulent. The internet is rife with examples. Many people have complained about this that travel agencies or airlines recommend for them being absurdly expensive, difficult or impossible to use, or even non-existent. In some cases, class-action lawsuits have been filed and have been paid to fraud victims. Many people have claimed that exploitative travel agents offered them vacation packages at seemingly steep discounts, only to force them to purchase overpriced travel insurance packages.

That said, not all travel insurers are bad, and buying travel insurance is not always a bad idea. There are many reputable, well-organized, established travel insurers out there. The best thing you can do if you are considering this is do your homework. Compare different travel insurers' rates and coverage packages. Read the fine print. Check consumer reports and fraud awareness websites.

Here is a brief list of circumstances in which you might find yourself where traveler's insurance can be a big help. If you suspect you might run into one or more of these problems during your trip, then traveler's insurance is probably a good idea.

Your flight is cancelled. If you are flying during a very high-volume holiday season and the weather is predicted to be particularly bad, traveler's insurance might come in handy.

Your bags are lost and you have prescription medication. You need to have an emergency prescription filled. If you have critical medical needs, then traveler's insurance is absolutely a good idea. You will want to be sure and have a quality, proven insurer with strong medical coverage. Regardless, you will want to put any prescription medications in your carry-on in case your luggage is lost.

Your passport and wallet are stolen and you need emergency cash and a new passport. It isn't easy to predict a theft, but if you are traveling to an area where you are at greater risk of having your wallet stolen, insurance is a good idea.

A hurricane forces you to evacuate your hotel, resort or cruise. Certain areas of the world are more susceptible to hurricanes, especially during a few months of the year. If you are traveling to one of these volatile locations during hurricane season, insurance could bail you out if a storm comes.

A terrorist incident occurs in the city you're planning to visit and you want to cancel your trip. Terrorism is a horrific, tremendously unfortunate reality in today's complicated world. It's horrible to think about, but if you are traveling in a particularly volatile part of the world, travel insurance might ease your mind.

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Insurance provider, AXA has launched an independent travel insurance, despite the present financial turmoil's that are due to the credit crunch.

In spite of the increasing economic gloom, the holiday season is approaching and millions of Brits will be preparing to travel abroad over the summer months. But AXA warns that increasing numbers of people arranging their own holidays may be leaving themselves exposed despite taking out travel insurance.

Over the last few years the number of Independent Travelers has overtaken the number of Package Holiday Travelers. Internet access and low-cost airlines have helped escalate this trend - in 2006 over 16 million Independent Travelers headed overseas for holidays between April and September.

However, insurance provision has not kept pace with the changing profile of the British holidaymaker and Independent Travelers, can find that there are gaps in their insurance cover, which AXA are addressing with their Independent Travelers cover, available with AXA travel insurance from their website, axa.co.uk/travelinsurance.

The new product is an optional extension which costs as little as an additional £10 for annual European cover. It covers travelers for a number of areas such as problems with flight cancellations or delays, missed connections or the customer being denied boarding.

With a package holiday, the tour operator or travel agent is legally required to make suitable alternative arrangements for such eventualities, but the independent traveller must make and pay for their own arrangements.

Edward Dutton, AXA's Personal Insurance Director said: "We are aware from our own claims area that Independent Travellers have run into problems with their travel insurance and a recent report from Defaqto underlined the need for insurers to offer cover that helps customers when things go wrong - the things that would normally be picked up by a tour operator or travel agent if it were a package holiday.

Dutton continued: "We believe that the rise of the Independent Traveller is something that all insurers should be addressing; as the Ombudsman pointed out in his latest report - 'There is clearly a mismatch in what insurers intend to offer and the cover that consumers believe they are buying.'"

The additional cover offered by this optional extension includes, delayed departure compensation for delays exceeding 5 hours occurring at the departure point of any connecting flights or booked public transportation on both the outbound and return journeys.

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As the summer holiday season finally comes into view, it's important to bear in mind a number of things when planning your vacation. The most important issues are clearly the most obvious: book your flights and accommodation well in advance and make sure you take out sufficient travel insurance cover for your needs. However, in the flurry of organizing your travel itinerary, you might have forgotten one crucial thing: how are you going to get to the airport to catch your flight in time?

If you live near the airport from which you're catching your flight, it can be tempting to drive there yourself - especially if you're only going away for a short while. Many people also choose to take the train to their chosen airport. For instance, if you live in Bolton and you're flying to Spain from Manchester, it seems like the easiest option to take the train directly to Manchester Airport.

However, if you're traveling with a lot of luggage, or a large family, it can be difficult to manoeuvre yourself and your bags through a crowded train. In fact, choosing to get to the airport via an airport coach could be an altogether more convenient option for you and your fellow travelers. Airport coaches are designed specifically with airport travelers in mind - hence, your most pressing needs will be fulfilled. Coaches provide plenty of space in which you can safely stow your heavy luggage, so you won't have to worry about your bags until you alight at your chosen airport destination. This can be a real load off your mind when you're traveling with a big group of children, or if your travel companion tends to be a worrier!

Airport coach travel is also more convenient because many airport coach travel providers offer 24/7 service on many popular routes. So if your flight is at 6am on Monday, you won't have to get the last train on Sunday night and loiter around the airport in the small hours of the morning. Instead, you'll be able to get the airport coach to your airport at the most suitable time for you, minimising the number of hours you spend waiting around.

What's more, the proliferation of budget airlines in the modern travel market means that many people will be opting for cheaper flights to their holiday destination from many of the UK's smaller, lesser-known airports. And while there'll be a variety of train services that holidaymakers can take direct to Manchester, Heathrow and Gatwick Airports, it's less likely than trains will run to East Midlands, Coventry or Liverpool Airports. So if you live in Cambridge and are planning to catch a flight to Greece from East Midlands Airport, you might find that airport coach travel is not only your most effective travel option, but possibly your only travel option.

Whatever airport you're traveling to in the UK, airport coach travel could be the most efficient and convenient way to help you get to your airport destination - and it'll help you kick-start your holiday in comfort and style!

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With the credit crunch hitting us even harder just as we unpack our suitcases, people are going through extreme measures to accumulate a little extra cash. Travel insurance scams have seen an 80% increase recently as the credit crunch develops with holiday makers claiming on items which have not even been stolen or claiming for more than the items actually worth.

Some people have booked holidays but now cannot afford to go on them; you will lose your deposit if you can't attend your holiday if pre-booked. So people are paying a visit to the doctor and pretending to be ill so they can obtain a sick note, they can then use this sick note to legally get a full refund from the holiday provider.

It is extremely hard to determine a genuine claim as the foreign police are often uninterested in lost or stolen items such as cameras or iPods resulting in low prosecution rates for fraud abroad.

With the number of claims increasing it has forced the insurance companies to act, they now look out for tell tale signs from a claimant and can determine a fraudulent claim much easier now than a genuine claim. They are however, reluctant to release these signs.

If you have a claim rejected, it will be marked on your credit rating and will remain there for three to six years.

This has also forced the insurance companies to bump up their premiums resulting in the honest genuine people paying more whilst the frauds claim the extra cash. You can still save money on travel insurance by shopping around and comparing quotes.

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When people go on holiday they want to relax, unwind and either enjoy the sun, or if they are going on an adrenaline packed holiday they will want to enjoy the skiing, ski diving or rollercoaster's. British people alone consume around 5 billion pounds worth of alcohol every single year.

Although drinking on holiday is a tradition, we have to consider the repercussions of what drunken behaviour can do to you. The most important aspect is that drinking while on holiday can invalidate your insurance. Yes, most insurance companies will not provide cover for yourself and your family if you have an accident while you are under the influence of alcohol. This may not be a big problem for people who are just relaxing on a sunny beach somewhere, as the chances of having a medical accident are fairly low. On more risky holidays is where the danger really starts to come in. For example, if you were to go skiing on a steep slope you will be very likely to end up hurting yourself, because the alcohol will make you clumsy. Most ski resorts are likely to do a breath test on the person before they are allowed on the slopes, as they want to eliminate injuries and they know they will be liable.

What usually occurs with travel insurance is that when you have an accident, your insurer will pay all of your medical fees once they have received a note from the treating doctor. If the note shows that levels of alcohol in the blood are higher than normal, the insurer will refuse to pay out, and you will be left liable for all the medical costs, which can be an exceedingly high amount especially when going to a private sector.

So all though you may want to go on holiday to drink day and night, but you should really think about some likely events that could happen to you while you are drunk. You should then stay away from dangerous places. For example if you were near a swimming pool I would move well away in case you fall in. If you were set to go sky diving I would not even touch a drop of alcohol as it may give you unprecedented courage in a very dangerous location. Staying safe should be your number one priority, eliminate all the dangers and enjoy your holidays full potential.

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This is the time of year when people start thinking about their summer holidays. Some have already booked a holiday, either abroad or in the UK, but for those of you who haven't, here's a few things to consider.

Location, location, location! Deciding where you want to spend your summer holiday is a big factor, although not a necessity if you're not fussy. Some holidaymakers simply trot down to the airport and see if they can take advantage of last-minute cancellations, no matter what the destination.

But for the more discerning tourist, the decision to go for sun, snow or sailing is an important one.

The type of accommodation you would prefer can have a bearing on your choice. It may be the height of luxury to go full-board, but you are somewhat restricted to set meals on such a package. More people are opting for self-catering, which usually take the form of guest apartments or holiday homes.

Guest apartments resemble a regular flat, but they tend to be located in a complex with several others. They usually have a full kitchen, living room, bathroom and a varying number of bedrooms. There is almost always a communal pool, and depending on the location, a private balcony.

Holiday homes are bigger, more like small houses. In the UK, holiday cottages are a popular choice with families as they tend to include a garden and more privacy than an apartment. Abroad, they can give tourists a real idea of what life is like in a foreign country, and are often rented by Britons thinking of moving abroad.

With both of the above options, you prepare all your meals yourself, just like you would at home. It gives the renters a perfect chance to sample the local cuisine if abroad, and there's the choice of restaurants if you don't want to cook every night.

Half board is another popular choice. This gives you one or two meals a day at your hotel, usually breakfast and/or evening meal, and you make your own arrangements for lunch. It's worth considering if you have a young family, as it means you only have one meal to sort out for them.

Whichever type of holiday accommodation you decide to go for, keep an open mind and shop around. Sometimes privately owned holiday cottages can be cheaper than apartments contained within a complex.

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When you buy trip cancellation travel insurance, you want to be sure the travel insurance pays your claim. Here are 5 things you can do to help your travel insurance claim be processed quickly and correctly:

Tip #1: If you get sick or injured prior to or on your trip, it's important you go to a doctor. If you don't go to a doctor, the insurance company won't believe you were sick or injured. Here's how the policies typically read:"For Trip Cancellation benefits, an actual examination by a licensed Physician must take place before the cancellation is made. For Trip Interruption benefits, this examination must take place during Your Trip."

Tip #2: A lot of information is required when making a claim, even a small one. Keep a log of people spoken to. Don't forget to keep receipts issued for services including items purchased if you have a travel or baggage delays.

Tip #3: If you ever need to file a claim, write a cover letter with a synopsis of your claim to send with the claim form.

Tip #4: Keep copies of everything you submit with your claim forms. You wouldn't believe how many people don't keep a copy. And, those are usually the ones whose paperwork seems to get lost in the mail!

Tip #5: If you look at a travel insurance claim form (or any insurance claim form), you'll see there's never enough room to fill in the doctor's information. Nor is there room to put the prescription information. Photocopy the doctor's business cards instead of trying to write them all on the form. And do the same with your prescriptions.

In addition, travel insurance plans give you assistance services including the use of a multi-lingual 24-Hour Emergency Hotline, which you can call collect from anywhere in the world.

Here's an important tip when calling the 24-Hour Emergency Assistance Hotline: Before you call them, get a phone number where you can receive a call. That way, if you are either unexpectedly cut off or you are incurring charges to make the call, they can call you on their own dime (at their own expense).

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Traveling is a good way to spend the holiday season. There are so many holidays throughout the year. For students and professionals, this is an excellent opportunity to take a break from their routine and tiring activities. If you are going to ask people about how they spent the holidays, there would be a lot of excited responses which would mean they really had a great time. However, there are also some who have their sad stories which could have been avoided with holiday insurance.

You cannot put away the fact that accidents may happen anytime of the day. You cannot say "not now because I'm on a vacation"! It will happen even at the loveliest moment with no warning signs. This is something that you would not want to happen especially when you are traveling. Instead of enjoying, you might find your security at risk just like other people who have already experienced it. Nonetheless, you can avoid being harmed by making sure that you are protected. You can now receive a strong sense of security, not only for yourself, but for your family and properties as well. The answer to your needs is holiday insurance which is ideal for people who like to travel a lot during holidays. There are many benefits that you can get from holiday insurance. Depending on the insurance policy, you will be able to get protection for any lost belongings. The insurance may include security for damaged property. You just have to be careful in choosing the insurance company so that you can be sure that you are protected. Here are some guidelines in choosing the insurance company.

· If you will do an online search about insurance companies, there would be more than a thousand results that would be pulled up. It would be very difficult to see which company would be able to provide you the best service. This is the reason why you really have to be careful in choosing. You would not want to have any problems especially by the time that you would need to use the insurance. You have to make sure that you can rely on the company before signing up for any contract. If you have friends, family members or other relatives who can recommend an insurance company, it would be better to ask assistance from them.

· Before closing the deal, be sure that the price is right. There are companies that will charge you for a service that is not really worth the price. Always consider the benefits that are included in the insurance policy because that would help you determine if the insurance is really beneficial.

· Make sure that the terms and conditions are fully explained to you before signing the agreement. It would be best to let the agents tell you everything about the insurance so you can be sure that there are no hidden terms.

Having holiday insurance is practical especially with the kind of world that you have today. It will protect you from any unexpected event that may happen while you are enjoying your holiday vacation

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There are tons of vendors want to convince you that if you travel abroad, you need international travel medical insurance. Is this really so or is this just a ploy to sell insurance? If you travel without health insurance international travel is simply stupid.

The problem is that so many people on vacation have already invested so much in their travel expenses, which in the directionEnd of his capture, a bit 'greedy and not wanting, with each part more money. At the end of the list is that the cost of travel insurance, which is too often ignored.

There are people on both sides of the fence - some say you're wasting your money on international travel health insurance, while others say, do not leave home without it. This is done for each game moving even know what the right answer.

Whether it's a flightthat the cancellation, personal property is the absence, lost luggage, a small medical problem or a serious medical problem outside of their country the right to international travel insurance can hold and cool as a cucumber for further debt.

Before you decide one way or another, there are some things you should consider. Is your first time in a lifetime vacation? Perhaps a good idea involved, all your base and not the fear of losing, thatOpportunity of a lifetime. Maybe pay a little extra investment in the cancellation of flights, medical insurance, lost luggage, and something could happen if your journey.

If you are sure for a long stay abroad, travel insurance covers major medical procedures. You might be surprised to discover how weak the part of your medical travel insurance is so sure that you ask. Some plans only forthe cost of doctor and hospital did not have the time or drugs. Others only in a certain area and if you decide on a whim, in another area, the stay can not be covered.

There are all kinds of plans and all types of businesses are waiting to sell all types of travel insurance. It could also be insurance for acts of terrorism, if you want. There are many components that can be incorporated into travel insurance. There are doctors,life, random, trip cancellation, baggage loss, dental and more. Experts recommend that you thoroughly research a travel insurance plan and make sure they are fully aware of the details of the report to buy before. This includes deductibles, waiting periods and a number of other details. Always read the fine print.

It offers comprehensive and very likely to cover a bit 'all the main aspects of the trip including basic trip cancellation, lost luggage, and constitute a fundamentalmedical and / or dental plan, but look again and make sure they are fully covered.

So to answer the question - "Do You Need International Travel Health Insurance? We say - international travel health insurance should be as important as your cards to your destination. Shop online and save a bundle more here compare prices really easy. So what are you waiting for?

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So it has come to the stage where you finally admitted you need a vacation? There is nothing to address this. Everyone needs a vacation sometimes. It 'a good opportunity to relax and unwind.

If not a holiday in a little ', you can not even where to begin. The purpose of this article is to share with you some tips on where to get advice on your holiday.

A travel agent. Apparentlyobvious choice would be to go to a travel agent on notice of your vacation. Travel agencies have a variety of options to suit you and the big companies are reliable, then you should find that the airlines will choose well and good hotels.

Your friends. If some of your friends have recently been on holiday, are a great source of advice for you. You can tell all their travel and if you decide on the goin the same place, which they did, your friends can visit to give some good advice about where and what to do. The only drawback to ask, is your friends for advice, which you can only listen to their advice on holiday destinations, and which may have different interests. By this I mean that you may find that they do things differently the way we see that

Through research on the Internet. I believe that the search of the Internet is the best choice for organizing your holidays and isAdvice. You must agree with me, because you read this article. Internet, means that you can quickly all kinds of things, flights, hotels and travel insurance quotes comparison.

This article is with you the three best places for you to go for advice about your holiday. While all of these options have their merits I think we are better organized on the Internet to serve your vacation.

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The average person travels much more often than the generations before them. This has increased the popularity of travel insurance because it helps the common traveler reduce the risks associated with traveling. As this form of insurance and grown in popularity, it also grown in diversity and flexibility.

Travel health insurance has quickly become on the most popular options for people traveling internationally It is important to remember that people are not inherently safe, just because they are on a vacation or trip. The same type of emergency situations that happen at home can happen abroad as well, in fact the risks are normally much higher away from home.

Any traveler can get the help they need if they have travel medical insurance. This is true regarding both emergency and non-emergency assistance. It can help fix situations like lost passports, emergency evacuations, and even locating a quality doctor. The best part is that you can get help whenever your need it, day or nigh

Travel insurance is normal secured through a persons normal insurance agency. Fortunately, a large majority of these companies are now online as well. This means that anyone can choose and pay for their travel insurance online. Since these insurance agencies are now online, this form of insurance has become much more popular and has even become a standard part of every international trip.

An additional travel insurance plan is commonly used to supplement a travelers personal insurance A standard or personal or family insurance plan will often not cover anyone that is traveling outside their home country. Fortunately, with some foresight, a medical emergency doesn't mean that a trip must end in disaster.

Many people do not realize that a travel insurance policy protects against much more than just medical and health problems. These policies can even help with flight cancellations and lost luggage. Preventative steps must be taken in order to ensure a successful trip. If there is no protection in place, travelers can quickly have their plans destroyed.

Basic medical needs are the minimum of what travel insurance can provide. It is normally grouped with several types of protection such as accident insurance, flight insurance, and even loss of limb compensation. This type of protection may come at a premium, but will go a long way in creating peace of mind and a relaxing trip.

Travel insurance will continue to gain popularity because of the financial protection that it provides in a financially unstable time. As it grows, it will also become a standard component of international travel.

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Many people prefer air travel compared to any other modes of transportation. Air travel is speedy, convenient, comfortable and now cheaper. As lots of people need to frequently travel for business trips and so are continuously on the watch out for cheap airfares. Cheap air travel is one of the best ways to comfortably travel and yet save on extra cash. Many online travel websites offer cheap flights to domestic as well as international destinations at highly discounted prices.

Online travel professionals can guide the traveler in locating the best discounts on airline tickets. Sometimes these cheap airline tickets are customized with other travel savings into attractive holiday package deals that provide extra savings. By saving money on your airline tickets you will encompass some extra money left aside to treat yourself on your holiday. Along with booking of flights, these sites cater to car hire and airport car rental, sightseeing, customized cheap holiday packages considering your budget, accommodation and travel insurance alternatives. All one needs to do is settle on what suits their needs and click, you're on your way.

To take advantage of the best air travel deals, you need to be a little flexible concerning your travel date and the length of stay. If possible, you must choose to fly on weekdays, as weekend prices are relatively high to mid week fares. How much discount is available on the Airfares also depends on the season and the time you choose to fly. Book your cheap airline tickets at the earliest and see how convenient, affordable and remarkable air travel can be!

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Travel is usually a fun experience that our eyes to new cultures, new countries and all other forms of life open. If we are for a week or a year, you get to live in a different way of living.

However, it is a fact that an accident, and unfortunately, every year some people travel to other destinations and make her go home.

Accidental death - if it could have been avoided or not - is a traumatic and terribleTime for the relatives and friends of people who lost their lives, and it is a time when we know that their travel insurance covered the event.

As hard as it is to think of dying in a foreign country may present a further set of problems. First, there is the question of alignment of the body at home, the costs can be considerable. Secondly, there is the fact that things are likely to differ from abroad, have made at homeCountry. There may be additional costs for transfer to a hospital or morgue, especially if the death occurred within hours or days after the incident, took part.

All good travel insurance will cover accidental death care, and it is important to ensure that you are with the lid you are satisfied before you leave. Although it is not something that you think no one likes for the people and not to die while they are away from home every year, and ifnot have the coverage you need your family may pay a big bill to be issued.

The coverage of accidental death is probably more important than ever, because of the increasing number of people participating in sports activities and, while they are away from home. The recall of some rafting in beautiful scenery, the thrill of bungee jumping from a bridge high in the middle of nowhere, and the joy of water skiing in foreign waters too good to resist, even ifnot normally do, the dream house.

It is therefore important to ensure that the insurance covers you for certain sports, before a part of them. It may be boring, you should check the insurance documents and not just for them, but people were trapped in the past and had an accident, which were not covered.

Nobody wants to think about the possibility that they may have a fatal accident during the trip, but it can and will happen. For this reason,You must ensure that all eventualities are covered, so if you are one of the most unfortunate of the family did not suffer more than is necessary.

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