Multi trip travel insurance refers to one insurance policy (taken out by an individual or a company for its staff) which covers multiple trips, overseas or domestically within a given period. By taking out multi trip insurance directly online the insured saves not only premium costs but also time normally spent organizing many single trip policies.

Annual multi trip insurance covers you for unlimited trips over a 12 month period with the only proviso being that each trip can be no longer than 90 days. The premiums for a multi trip annual policy are less than if you took out a single trip policy each time you traveled. It is similar to a "bulk buy" in that the insurance company obviously earns a bigger premium for greater cover but because there is less time involvement for the insurer they can average down the cost per trip for the client. Basic multi trip annual insurance will include cover for emergency hospital and medical treatment as well as some other minor risks (stolen documents, loss of income etc) whereas if you take out comprehensive cover then you will be covered for an expanded range of risks which could include death and permanent disability, emergency companion cover, family emergency and additional accommodation cover.

Cheap or basic cover for annual multi trip travel insurance is obviously less costly but it is important for a company to cover risk adequately because without doing so, the company could suffer significant financial loss if a staff member is hospitalized for a lengthy period of time. By purchasing either basic or comprehensive business insurance online you will find the premiums even cheaper because the insurance company is selling directly to you rather than through an agent. Commission that would otherwise be paid to the agent is instead applied (at least to some extent) to reducing the premiums on your business travel multi trip insurance policy. There are some well established online insurance companies that can provide quality multi-trip cover at up to 50% less than the cost for the same cover through a travel agency or other insurance companies generating their business through a commission based distribution channel.

Some insurance companies will not insure the elderly or those with pre existing medical conditions. There are however online travel policy companies who do not have any age limits on their policies and will offer multi trip travel policy to those with pre existing medical conditions. Any traveler with pre existing medical conditions will obviously need to complete an online pre-existing medical condition process and should expect to pay a higher premium because of the increased risk to the travel insurance company. Similarly if you are an elderly traveler your premiums will be higher but insignificant when compared to the very high costs of hospitalization or medical treatment charged in many countries around the world.

A further way to save on premiums is to nominate the destination areas where you or your company's employees will be traveling. While many multi trip insurance policies have a blanket world wide cover you can arrange a tailored policy through a limited number of travel insurers. If you have staff traveling in the Asia and Pacific region (where medical and hospital costs are reasonable) why pay higher premiums to cover travel in the USA where hospitalization costs are extremely high? Go direct online for your multi-trip travel insurance, obtain destination based cover and save.

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A backpacker travel insurance is like a cheap travel insurance policy in general, annual multi-trip policies for travellers, and many other insurances. At an ideal price, you wouldn't have to worry about what could probably happen when you are traveling around.

A backpacking policy means that you are protected at a very low cost.If something disastrous was to happen while you are on a vacation but you took out backpacker travel insurance in advance, you wouldn't have to panic about spending a lot of money to deal with the costs.

If you pick the right backpacker travel insurance policy that is perfect for you, You will then be protected and you can enjoy your break. Just see the policies and see whether you meet their requirements.

By going on to the internet, you can also check the values of the various travel insurance policy plans that are available for you. You can also compare the prices as well as the cover of each one, from all the insurance providers, you will find the Holiday Insurance Web travel policies are the right choice for you as well as being the best deal cost wise. The money that you can save from the accumulative prices from other insurance suppliers can be spent purchasing souvenirs on your holiday destination.

Nevertheless, there are many backpacker travel insurance that are only available for people in the United Kingdom. These selective policy providers require the person signing up for the plan that they truly are residing in United Kingdom. So even if they are Australian's, South African's or from any other part of the world as long as they have evidence proving that they reside inside the United Kingdom, they are viewed as eligible for backpacker travel insurance.

Commonly, the business of insurance policy suppliers are students and young pros who journey during their break or the holidays.

If the backpacker travel policy deal with gap year travellers, then they should make the most out of the annual multi trip feature. This is the better program for them if they intend to take various trips within a year of taking the policy bundle. 1 also has the option to continue the insurance policy in order to offer the extra insurance coverage for dangerous adventures.

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If you're about to head off traveling, whether it's a business trip, a beach bum holiday or a round-the-world no-holds-barred adventure, you need travel insurance. Anything can happen, and often does - looking at the annual statistics showing the thousands of travellers who get into sticky situations. It's important to know exactly what your travel insurance covers, so you know if you're getting the right cover for you.

What's Normally Included

The following areas are normally covered by travel insurance, but it's important to know to what extent. For example, if you buy certain budget options, you may well be covered for theft of property, but if your laptop is worth $2000, it's a bit pointless if your policy only covers you up to $500. You should also look at the 'excess' - this is the amount you need to pay yourself in the event of a claim, before any payments are made back to you.

o Overseas medical/hospital expenses: The amount you are covered for can differ wildly depending on which policy you opt for. If you have a pre-existing condition, the company should be aware of it, or your cover may be void.

o Overseas emergency medical assistance: As above, if travelling to countries with high healthcare costs, such as the USA, it's a good idea to have this one marked 'unlimited'.

o Luggage/Personal Effects: Consider the figure given for this - if you are travelling with particularly expensive equipment, it should be covered. This also covers travel documents.

o Accidental Death: Arguably benefiting your loved ones more than you, but worth considering.

o Permanent Disability: Most policies cover this.

o Delayed Luggage Allowance: If your clothes arrive a week after you, you might need some fresh ones.

o Personal Liability: If you cause an accident, you'll need to pay damages.

o Cash: Cover for money stolen from your person.

o Cancellation Fees and Lost Deposits: If for any (good) reason you are forced to cancel or delay your trip, such as illness or poor weather.

o Alternative Transport Expenses: such as in the event of flight cancellation

o Additional Expenses: a whole range of unforeseen circumstances can lead to you incurring extra costs.

o Hijacking: An unlikely one, but expensive policies often cover for this. If you're not worried, don't fork out for it.

o Loss of Injury: Again, some more expensive policies will cover you if you sustain an injury overseas and cannot work upon returning to Australia.

o Travel Services Provider Insolvency: In the unlikely event of your airline going bust before you have a chance to board, some policies will have you covered.

Top 5 things to look out for when choosing travel insurance

Many people find it a pain buying insurance, but make sure you don't get caught out!

1. Ensure that if you're likely to do a dangerous activity, such as paragliding or scuba diving, that you check if you're covered for it - many insurance companies hate such activities as they cost them too much money.

2. Make sure that you have enough cover. Medical costs can be huge in certain countries, while budget insurance deals can leave you paying for half of your stolen camera despite being covered. If you're carrying a lot of expensive gear, make sure you're covered for all of it. Also, check what the excess is. If you have to pay $100 and your MP3 player that accidentally went scuba diving with you was five years old already, think twice.

3. Do you have existing medical conditions? You might not be covered - so own up before to make sure.

4. Other general exclusions include acts of war, loss of property due to extreme carelessness, or self-inflicted injury.

5. And finally, make sure you are covered for the full duration of your trip - a common error is to get international dates mixed up - just because your Sydney-bound flight leaves L.A. on the 14th, doesn't mean it's still the 14th when you arrive! Last minute bungles do happen!

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Purchasing the correct type of travel insurance can be quite a puzzling task even at the best of times, especially for people who are traveling abroad for the first time. It is very easy for misunderstandings to occur. A case in point is the confusion that surrounds annual multi trip travel insurance.

There is a growing number of Insurers offering multi trip insurance but they don't necessarily make the strict policy conditions clear to the buyer. For example, you would normally have to be based in Australia and make trips of up to a specific number of days (often 31 days) to take advantage of these policies.

However, there are many travelers, especially in the younger age bracket, looking for cheap backpackers' insurance. They see a cheap travel insurance quote for an annual insurance policy and buy it without reading the small print carefully, thinking it will be exactly what they need. If these travelers are going to be overseas for a year, they are often attracted by the word "annual travel insurance" as well as "multi-trip" as they will be making a number of different trips throughout the year. But, the annual multi-trip policy is not suitable as they are designed and priced to only cover trips of up to 31 days (depending on the Insurer) from and within Australia.

An annual multi trip travel insurance policy can save the traveler quite a bit of money in the long run. Trip cancellation, baggage loss, personal liability plus other miscellaneous coverage can all be taken care of by this type of insurance. This sounds like a good thing, and indeed it is if your trip does not take you out of Australia for more than a limited period. However, most backpackers who intend to leave the country on their trip merely see that this policy offers no limit on the number of trips they can take per year, and blithely purchase it. It is only when they need to make use of the policy and are in perhaps Greece that they discover that their insurance will not take care of their medical needs. This is not a good feeling!

Backpackers need to search out a policy that has been specifically created with their kind of travel in mind. They need the reassurance of a 24/7 telephone helpline for any overseas medical needs that may develop, coverage for a wide range of sports or adventure activities that they may participate in during their trip, and the peace of mind that comes with the knowledge that they will have coverage on their non-manual job if they are taking a working holiday. Cover for terrorism will also help the traveler to sleep well at night!

Anyone who has yet to purchase an annual multi trip travel insurance policy would be wise to read the policy carefully before buying, and then take advantage of the company's money back guarantee which most will offer you during the first 7 to 14 days of cover.

The last thing you want when you are taken ill and laying in hospital is a dispute about whether or not you bought the right policy. If you're in any doubt about exactly what your annual multi trip insurance will cover, contact your travel insurance broker for clarification.

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The Foreign & Commonwealth Office (FCO) says that many people deeply regret not take out travel insurance. They think that their accident insurance credit card, home insurance or private health insurance is sufficient. The reality is that you have adequate travel insurance and personal injury or lose valuable possessions financial consequences will be hard to face serious.

The FCO has issued guidelines for what your insurance shouldCoverage in case of emergency or other problems can occur during a vacation.

The real cost when things go wrong. An emergency abroad can be very expensive. If you need to be returned to the United Kingdom could cost thousands of pounds of insurance, unless they are sufficiently

* £ 30-35,000 - air ambulance from the east coast of the United States
* £ 12-16,000 - air ambulance from the Canary Islands
* £ 15-20,000 - scheduled flight, stretcher and Doctor escortfrom Australia

What should my travel insurance?

* Medicine and Health coverage for an injury or sudden illness abroad - More information on medical and health cover
* 24 hours emergency service and assistance
* The personal liability coverage if sued for injuries or property damage
* Lost and stolen covers
* Cancellation and shortening (cut short the journey cover)
* Additional coverage for activities thatare usually excluded from standard policies, such as water skiing.

Policy should be as long as you left.

Your policy may also have:

* Personal Accident Insurance
* Legal Insurance
* Financial protection if your airline fails before or during the trip.

Many insurers cover extended if you ask. If not, look around for a policy specialist.

Common travel insurance policy exclusions

Always checkConditions and exclusions of your policy:

* Most of the measures are not to drink or drug incidents
* You must take reasonable care your possessions or your policy will not be with you.

Travel insurance buying tips

* Store to find a good price and the right product for traveling without a seat
* The cheapest policies typically cover less - it seems that the price is very important, but it's worth the initialsaving?
* consider annual multi-trip insurance if you make several trips a year - you'll save time and money.

Cancelling or cutting a trip short

A good insurance policy will cover you for cancelling or cutting a trip short. Check carefully to see exactly what you're covered for:

* accident
* illness
* pregnancy (unknown when you buy the policy)
* jury service or witness summons
* home emergency: fire, storm or flood, burglary
* Redundancy
* Strike
* Acts of bad weather - the departure of flights and ships.

Make sure your policy:

* Refund the full cost of holiday
* Pay if you cancel or cut short a trip because you fall ill, for example, must
* Includes pre-paid expenses such as excursions
* Extra Cover to return home

And try to book through an agent, organizer with the Association of British Travel Agents (ABTA), Air Travel "Licensing (ATOL) or other credible financial protection organizations.
Personal Insurance

If you accidentally cause injury or damage their property to someone they can act. Good travel insurance for you.
Accident insurance - disability and death

Travel insurance may cover an accident to pay for death or permanent disability.
Cover for theft, loss or damagePossessions

You can normally choose the limits in your policy. Limits for single items such as cameras and jewelry from a minimum of 250 pounds to 1000 pounds or more varied. Check these limits are reasonable and realistic.

You should report a loss to the police within 24 hours. Proof of service is required when making application.

All insurance companies have to say that you look after the things that surround us at all times. If you can not pay policyout.

Tip: Take care of your property, such as whether or not insured.
Lost baggage on flights

Do not rely on compensation from an airline if it loses your luggage.

By law, airlines only have to pay a certain minimum value per kilo of lost luggage. And 'unlikely to cover the full value of your property.
Expenditure

Under a judicial guarantees will help you to pursue compensation or damages for personal injury while you are abroad - veryimportant in countries without a legal aid system.
TEAM - European Health Insurance Card

Get a European Health Insurance Card (TEAM) for the health sector in European countries. Understand what it does and not for you.
Medical Health Insurance

financial security for the holidays

Do not let your stranded abroad without a refund if you leave bankruptcy - to know what protection is available for.
Credit cardProtection

Information on financial security and credit card debt offered to users.

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Canada travel tips are basically meant to inform travelers about various necessities which they have to have before entering the country. The following are some Canada travel info:

Registration
Travelers should register to the State Department so that they receive assistance in the situation of requirement. Free online registration facility is being made available by the government wherein travelers can register their travel plan. The registration helps as when the traveler is at some emergency, the government contacts with the family members.

Possess Valid Visa and passport

A valid passport and Visa has necessarily to be carried along so that in case of any inquiry the same can be furnished. Additionally, there should be proper information about who to contact in any emergency.

Family should know about tour plan

Travelers are advised to have briefed their family members about the travel so that they are able to contact for any purpose.

Checking overseas medical insurance coverage
Travelers should check whether their medical insurance has cover to their overseas ailments or not. If there is no medical insurance for overseas country, please make it sure that you have some kind of medical insurance to cover during your outside stays.

Know law of the land
Travelers are expected to be law abiding citizen and comply with the local laws. In order to be a decent traveler, one should familiarize himself with local conditions and laws.

Avoid being a target of crime
It is better to avoid target of crime. Though Canada is an advanced country and has low crime rate, travelers are expected to wear minimum jewelries. Travelers should not leave their baggage unattended in public place.

Language
English is an official language in Canada. However, French is spoken widely.

Smoking
Canada is cautious about the harmful effects of smoking. Some states in Canada such as British Columbia ban smoking at public places.

Measures
Officially, Canada uses the metric system wherein distance is measured in kilometers, speed signs are in kilometers per hour. Petrol/gas is sold by the litter and temperature is measured on the Celsius scale.

Taxes in Canada
The country has a regime of taxes imposed on travelers. In Canada the Goods and Services Tax (GST) of 7% applies throughout the country and is added to most purchases and services. However, basic groceries have been exempted from it. In British Columbia, a Provincial Sales Tax (PST) of about 7% applies to retail merchandise and services with certain exceptions - such as food, books, children's clothing, restaurant foods and personal services. Canada taxes hotel rooms too at the tax rate of 8-10%.

Tipping
As always, tipping is a personal subject matter and can be paid at restaurants, bars and pubs, taxis and hairdressers, etc. Travelers should remember that it should not exceed to 15% of the total cost.

Alcohol
Drinking alcohol in public is prohibited by law in Canada. A person must be 19 years of age to consume or purchase alcohol in the province of British Columbia. However, the minimum age varies from province to province.

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It's supposed to be the most relaxing period of the year, but planning for a holiday can be more stressful than many people realise. As a result, it is often the case that people forget to do something, perhaps not even remembering until just before they're due to leave.

It's true, there really is always something. Whether it's your sunglasses, sun block or sundries for the journey, most people tend to experience a holiday syndrome where something always gets left behind.

Sometimes, it's a little more significant. Anybody who has forgotten their passport in the past could tell you that; but there are ways to avoid forgetting anything at all, however, and simple ones at that. Lists are one of the easiest ways to stay organised when it comes to checking that you're prepared.

As far in advance as possible, draft up a list of everything you'll need - and that's everything, from flight itineraries to how many pairs of socks you'll need to tide you over (including, of course, a couple of extras in case it rains). Glance at it every now and then to make sure you've got everything that's required and, presumably, over a period of possible amendments, you'll have a finished version of your holiday checklist.

It doesn't need to be a big deal - a few minutes every now and then should more than suffice. It also means that if you need to apply for anything, like travel insurance or an NHS European Health Insurance card, or even book flights, ferries or accommodation, or even renewing your passport you'll run less risk of being too late.

A few days before you're due to head off, it's time to start packing. This means you'll be able to wash clothes so they'll be ready to pack rather than waiting until the last minute and discovering the things you wanted to take are lying in the washing hamper. It also means you'll realise which items have currently gone AWOL and require some searching. This usually happens to your passport, so advance preparation is pretty essential unless you enjoy frantic hunting ten minutes before you're supposed to leave.

Choosing your clothes is an easy enough ordeal. Work from the underwear out, considering the climate of your destination, as well as how predictable the weather is and its night-time temperature. Will you need a cagoule? What about sandals?

Read up on where you're heading and ask people that have been before what they think you should take with you. Remember, however, that if you're flying out, many airlines have baggage weight limits and will charge a considerable fee for bags that are too heavy, so you should pack accordingly to those limits. Bear in mind, also, that there's a chance your case or bag might come back heavier with anything you purchase while away, so aim a fair amount under the weight limit if you're a fan of holiday shopping.

Finally, don't panic if you do forget things. As long as you've got your passport, travel insurance and your all-important towel, you'll be fine - you can always get shampoo once you arrive.

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The essential thing to remember is to travel light!

Be Certain to Have with You:

Valid passport

Valid visa - if required

One other picture identification (e.g. driver's licence)

Photocopy of passport page to carry in wallet

Air tickets

Expense money

Comprehensive Travel Insurance Policy

Dressing for Safaris

On safari, most people wear shorts and a T-shirt during the day and put on long sleeved shirts and long pants in the evening for warmth as well as protection from mosquitoes. Should you be particularly sensitive to the sun a loose cotton shirt is essential during the day. Khaki, brown, olive and beige colours are best for and safaris and game walks.

White is not a suitable colour for these activities, as it increases your visibility to wildlife you want to get a closer look at and it will get dirty very quickly. Fleece or sweater and a windbreaker for game drives, because it is highly possible that you may go out on a hot day, but be faced with a chill evening on your return. Remember that layering your clothing will keep you warmer than relying on one thick item.

Clothing to Pack for Safaris

2 pairs khaki cotton pants

2 pairs khaki shorts

2 long sleeved shirts/ blouses (for sun protection as well as warmth)

1 light sweater or sweatshirt

1 lightweight, waterproof windbreaker

Swimming costume

Sturdy walking or hiking boots

Sandals

3-5 short-sleeved shirts or T-shirts

5 changes underwear and socks

Hat with a brim (baseball caps might cover your nose but not your ears and neck)

Gloves (if you really feel the cold)

Down vest or jacket (if you really feel the cold)

A sarong or kikoi type garment

Most lodges and safari camps offer laundry as part of their service. Hotels all offer laundry, at additional cost.

Essentials:

Toilet kit including shampoo and soap

Insect repellent

Good quality sunglasses plus protective case

Hand wipes or 'Baby wipes'

Stuff-sacks or plastic packets; to compartmentalise items within your travel bag

Repair kit: needle and thread, nylon cord, rip-stop tape

Camera, film or memory card

Spare batteries. Film and batteries can generally be obtained at lodges, but at a price of course, so please be sure to have sufficient supplies for your needs

Binoculars

Paperback reading, writing material (keep weight at a minimum)

Sunscreen or block

Moisturizer, lip balm

Personal first-aid kit (headache pills, antihistamine cream etc)

Large towel and washcloth (thin, quick-drying) - if required for camping/overland safari

If you take prescription medication, be sure to bring a sufficient supply with you. If you are on a lengthy holiday, we suggest that you carry a copy of your prescription with you.

Luggage for a Mobile Safari

For Safari travel, the best type of luggage to bring is a soft bag, or backpack with an internal frame. As packing space in Safari vehicles is limited, only one bag is allowed, but you should also have a daypack for all of your personal items/camera/binoculars. Hard suitcases are usually scuffed or damaged in transit and are inappropriate for a game safari.

Light aircraft: Important note

If part of your itinerary includes light aircraft flights, there are serious weight restrictions. You are usually restricted to 10 or 12kg (22 or 26 lbs), per person, in a soft bag. Storage space in a light aircraft is at a premium, and the pilot may refuse to take on bulky or excessive luggage. The most common aircraft types used for charter work are Cessna 206 or 210, and Cessna 208 Caravans. Slightly larger aircraft are often used in East Africa, but luggage is still restricted.

A reasonable amount of hand luggage and camera equipment is generally allowed.

Remember that the charter pilot has the final say in terms of taking the luggage and you will be responsible for costs should your luggage need to be forwarded for you, or should an extra aircraft be required for transportation.

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Most people who have seen insurance FAQs, an incident of the trip will be ignored before. These things happen to others if they are on holiday has never happen to me ... but they do. Lost luggage, money and documents stolen, accidents happen with the help of doctors - that everyone, regardless of where we are at that moment. It 'important this time, when it is absolutely wrong, not an individual might want to look that way in always some form of travel insurance.

Travel insurance is traditionally perceived as a money and a waste of time, but this is certainly not the case. The benefits of accident insurance travel are enormous, when you need to call on. However, if you're lucky not to have them upon request, then you always have the certainty that over there.

Like any form of insurance, but> Travel insurance can be confusing when you are looking for the right policy, but struggling to work on the benefits of each policy This is a comprehensive travel accident insurance FAQ to answer all your questions!

FAQ 1 - What kind of travel insurance do I need?

There are two types of which are in common use - single trip and annual basis. These can save money if you plan to haveVisiting many countries and many trips a year, while only travel accident travel insurance only covers the trip. Both have the same conditions and thus similar coverage, so it all depends on how often you travel really.

FAQ 2 - How much should I expect to pay?

The cost depends largely on the supplier, subject to height, the duration of your trip, and how old you are. A child would be cheaper than the cover of an adultand a weekend would be cheaper than a week long vacation coverage. Some families travel accident insurance, which all person trips are cheaper for each individual separately. If you travel more than once a year, however, travel insurance can save a lot of money annually.

FAQ 3 set - I inform the company of my health?

The answer is a resounding yes! If youunable to know the medical history, then the insurance policy is void, if ever you needed to ask. Disclosure of chronic diseases and increase premiums under way, but you will pay if you call it so that it is not necessary to keep a good idea to rest your health!

4 FAQ - guaranteed extreme sports?

Under travel accident insurance as standard normal extreme sports because they can not be countedEndanger their health much more than a beach or city break. However, most insurers happy winter or extreme sports to add to your policy at an additional cost. Extreme sports add-on is highly recommended if you plan to do something extraordinary!

Regardless of the travel insurance that finally decided, you should always read the conditions will ensure that they are fully aware of what scope on six covered and for thewhat are not, and the exceptions and exclusions. It 'important to make a travel accident insurance in those days, and the little peace of mind is well worth it!

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If you are an occasional traveler you'll probably buy your insurance from the travel agent. But if you travel more than twice a year, it is much more cost effective to have one insurance lasting all year round, than buying one every time you travel.

Think ahead, plan ahead. Annual travel insurance easily pays for itself with just a couple of trips. But not all insurances are worth the same and as always cheapest is not necessarily the best. More on this later.

Annual travel insurance is not compulsory but it gives you the peace of mind case of illness and loss or damage to property and many other events. Where is the best place to buy annual travel insurance?

1. Your bank is probably the first place you'll try. Banks have in recent times become highly competitive and in order to retain your business, may offer better rates. For example my bank has upgraded my checking account to a premium account and for that I pay $20 per month.

As a result I get several privileges including free, worldwide, comprehensive travel insurance. But here is the best part ... I get all this free travel insurance not just for myself but also for any member of my family traveling with me including my parents and siblings.

I said free because I am already getting other benefits which are worth a lot more than $20 per month if I were to buy them individually. I also save a lot of time as I never have to look around for insurance. So don't ignore your bank.

2. Credit card companies also offer similar insurances, with some added advantages. In case of theft or loss of your credit card, they will supply you with an emergency one, often within a few hours.

In addition to travel insurance offers, there is another advantage in checking your credit card company's terms. If you book your travel using your credit card, pretty much all card companies give excellent cover against many of the things that can go wrong.

Some credit card companies also have specialist travel departments which not only give you travel discounts but also give you even better protection, i.e. better travel insurance and at a much lower cost. But note that all insurance offers exclude you making a claims, for the same item, to multiple sources even if you do have multiple insurance cover.

For example, let's say you have bought travel insurance separately and you have bought your travel ticket using your credit card. If your luggage is lost, you can almost certainly make a claim to either of the two sources but not to both at the same time.

The reason is that the insurance companies have suffered massive fraud in recent years. Allowing multiple claims simply encourages fraudsters to have multiple insurances and make multiple false claims.

For example, they can take an already damaged suitcase on a long journey knowing that it will fall apart. They can then claim damage and loss of property from multiple insurers.

3. Insurance companies are a popular and obvious source for annual travel insurance. If you drive a car or have home insurance get a quote from your insurance company. Remember, because you are already a customer, your car insurance often entitles you to a very good discount.

Here's a tip: if they don't give you a competitive insurance, tell them that you will be looking else where for a good package. Let them know you will be looking for a package that includes great home insurance, excellent travel insurance and also good car insurance.

Listen, fear of loss WILL make them bend over backwards for you and if they don't? Here's another tip: When you talk to any other source to get your competitive travel insurance, make sure you mention your other assets that you could be insuring with them, such as your car, home, home contents, etc.

This won't work with travel companies but works absolutely beautifully with most insurance companies. I have done it many times and saved myself thousands of dollars, yes thousands, over the last few years.

The insurance industry is massively competitive. For once, this works in favor of the "little guy" (you and me), so let's use it.

4. Certain types of home insurance may also give annual travel cover. Do look into pretty much any insurance cover you have. Some home insurance policies include some forms of travel cover including loss or damage to your property while away from home.

Tip: even if you live with your parents, ask them to check their policy for you. You will be amazed to see that even "your" property is covered while away from home.

Just one word of caution: do not assume what is covered or the level cover. If you are not sure just ask the insurer. If the cover they describe seems even better than what you expected based on the policy document, then do ask them to put their clarification in writing.

Why? When any major loss occurs, the insurer will send a local expert to assess the damage. These guys are called loss adjustors. Their job is to save money for the insurance company. And I tell you from bitter personal experience, they take no prisoners.

They will screw you down to the ground, if you don't get things in clear black and white writing. Just do it. It takes minutes to request clarification in writing but can save you thousands of dollars when you have one of these mean loss adjustors arguing with you over the policy.

5. You can also buy last minute travel insurance from travel agents and airlines at the airport. Expect to be taken advantage of, heavily! Needless to say, this is one of your most expensive options. Just avoid ending up with this option, see to your insurance long before you need to travel.

Now here's the thing. Travel insurance policies are not all identical. As well as considering price, you absolutely must read the terms and conditions carefully. For example, the upper age limit of some insurance companies may vary.

Some companies may limit the number of annual trips, whilst others may have no limit at all. Look, most travel insurance policies cover a range of events and claims. But as they say, the devil is in the detail.

The problem you will definitely face with some really cheap policies from unknown and possibly disreputable companies is what they put in the fine print. You know what I'm talking about? ... all those tiny little statements they put on the back of the form? Or if you are buying insurance online (and you should), notice all those pages of really small text they ask you to agree to?

Well, that's where they bury lots of little conditions and limitations. Most people don't read all the terms. Do yourself a huge favor and on this occasion, do read it all. If the insurance policy terms are full of "weasel words" or complex language, just move on and do not buy.

All insurance companies are quick to point out how many millions you can claim in "total", in case of a serious accident. But they all limit the amount per item within your claim. So claims for loss of cash will be capped and so will claims for electronic devices, clothes, etc.

This means that with the cheaper policies you will have a really low limit. For example, if you claim for a mobile phone and an MP3 player, you may find that the limit on personal electronics is not enough to even pay for "one" of those devices, let alone both. Don't wait for an unfortunate event to show you the flaws in a dirt cheap policy. That is the worst time to find out and it is a time when you need the most help.

What must all policies cover?

1. Loss or damage to property and cash

2. Flight delays or cancellation

3. Accidents

4. Sickness

5. Your expenses when an event ocurs

6. Your potential liability to other people

7. Legal services

In comparison to your total costs, annual travel insurance is only a very small item. If you are covered for any eventuality, you'll have less to worry about, which will translate to more relaxation and enjoyment.

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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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It would be a bitter pill to swallow if you went on holiday to a foreign country and had all your luggage and medicine lost. Would you know what to do? If your wellbeing or your life depends on taking regular doses of your medicine then you can't afford to take any chances when travelling.

It can be baffling trying to organize taking your prescription medicines abroad with you. One important tip is to always carry the medicines in your hand luggage with your travel documents, money, and other important items (it's not a good idea to take out the doses you'll need during the flight and pack the rest in your luggage!) Keep all the medicines in your hand luggage for the duration of the journey in case your checked luggage is lost or misdirected. The medicine should always be kept in its original bottle or package, with the label affixed showing your name, prescribing doctor, and dosage information.

A little preparation before you leave will lessen the need for panic if the worst should happen - and also avoid you missing a dose. Most medicines should be available at pharmacies abroad, but be aware that they may be known by a different name. (The same applies for many over-the-counter medicines, such as allergy pills and pain killers). Before you leave, ask your chemist to provide written instructions about your medicine, the dose, and the name it is called in the country you plan to visit. Visit your GP well in advance of your trip to talk about any necessary vaccinations for your trip - especially if you have a medical condition which might complicate things - as the courses can take weeks or months to complete.

Another tip is to get the go-ahead from your doctor before you book your trip, and make sure that you will be able to obtain travel insurance to cover your pre-existing conditions. There are upper age restrictions on many travel insurance policies, and all pre-existing medical conditions must be declared. If a travel insurance company agrees to cover the risk associated with your condition there may be an additional fee to pay. Some insurers will not accept any pre-existing conditions at all, so the process of finding a suitable policy could take some time and you may need to shop around.

Your GP is permitted to prescribe up to a maximum of three months supply of most medicines for your travels. If you have an extended trip planned check to make sure that your doctor is willing to do this before you book. For all prescription medications you will need to obtain a letter from your doctor to take with you, especially for items such as diabetes equipment - syringes, etc. With the tight security at airports these days, you are likely to encounter problems if you try to get through without back-up documentation to vouch for your medicines and medical equipment.

If you take controlled drugs (such as methadone) check the rules for taking them into foreign countries as there may be restrictions. A letter from your doctor must be obtained, and if you plan to be gone for more than three months you will also need to obtain a personal license to carry the drugs. If in doubt about any medicine or medical equipment, check with your doctor, travel agent or airline or get in touch with the embassy of the country you plan to visit. HM Revenue & Customs provides useful information on their website. The Department of Health is a great resource, and the Foreign and Commonwealth Office (FCO) website also contains a lot of useful tips about travel (especially the 'Know Before You Go' section).

Although it's a good idea to apply for your European Health Insurance Card (EHIC) you should never rely solely on it, but always purchase a private travel insurance policy as well. Some countries do have reciprocal healthcare agreements with the UK, but many do not. In most cases you will be required to pay for prescribed medicines and apply for reimbursement when your return home. Your private insurance may pick up any of the non-reimbursable payments you have to make out of pocket. It is important to remember that the EHIC and your private travel insurance policy will only cover treatment which becomes necessary during your trip abroad due to illness or an accident. It will not cover you if you travel abroad for the specific purpose of receiving medical treatment.

As a last tip, it's a good idea to print out detailed information of what is and is not covered medically in the countries you plan to visit and take it with you. Always check for up-to-date advice and information before you leave. If you have access to the internet, type in EHIC, or check the Department of Health website for more information. A spoonful of sugar won't help the medicine go down or improve your mood if it gets lost abroad and you have no idea how to replace it!

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For many people the thought of paying out for insurance is unnecessary. This situation will never happen to me is very common. Certain types of insurance are compulsory regardless - car insurance, business insurance etc, but many people just think it is a "waste of money" to buy insurance for their freezer, TV, health, legal costs on rental property or vacation, this will never happen to me. Sure you can be lucky and dine out a few times on what you could have paid out, but what happens when a disaster strikes?

A few years ago my family was going to take a late summer holiday with my late father in law who lived in Dublin, Ireland going to join him in the Algarve in Portugal. We had booked this through a package company and naturally they encouraged you to purchase Travel Insurance. 24 hours before the trip we received a call from Ireland to say that he had been taken into hospital. The holiday had to be immediately cancelled and the warm weather clothing unpacked and appropriate clothing for Ireland packed instead. The Travel Insurance at least covered the cost of the lost Portuguese holiday and we were able to take this with him in the early summer the following year.

Some time later we were off on a summer holiday to Ireland, this was in the early era of low cost budget airlines in the UK and we set off for London Luton airport in what we thought would be plenty of time. Normally there would have been plenty of time as this is a journey we had done on numerous occasions. On this particular Sunday Luton was holding its Half marathon and trying to get anywhere need the airport from the Dunstable side was near impossible. We just sat in traffic and eventually arrived at the airport..too late! The flight had gone and the next one that day was fully booked. We were able to book on a flight for the next morning (naturally at an additional charge) and had to go back home again for 24 hours. Fortunately, although we lost a day's holiday, we were only staying with relatives and did not lose out too much. No we had not taken out Travel Insurance.

In 2001 we decided to spend Christmas in the sunny South of France. When it was not raining it was sunny and very pleasant. We set off to return home via Nice airport and discovered all the flights to the south of England were cancelled. It was covered in a blanket of snow. We spent the entire day at the airport waiting for news. The flights going into London Heathrow were eventually going out as they had cleared the runway, but our flight for London Luton was not even at the airport, as it had never left its destination that morning. Luton never opened that day and we could not even get booked on a flight for the following day as we had gone low cost and the earliest flight was the day after.

We had to hire a car again and stay on for two more nights. We eventually arrived back to a London Luton (and that was still touch and go as only the runway and approach roads did not have snow on them) and got safely home. This time we had Travel insurance - an annual policy and this kicked in and covered some of our additional costs.

It is most important that you do have travel insurance - you never know when you might need it, particularly if you are making your own booking arrangements. Most travel companies insist that you take out a policy, however if you are booking a weekend away, or going self catering booking the accommodation and travel yourself, you might forget or just think it is a waste of money. On a recent visit to Amsterdam, The Netherlands the holiday we booked into on line stated (and as I also saw with some other Dutch hotels) that a "non refundable" deposit would have to be made at the time of booking. If for example the booking had been made three months in advance and you change your travel plans - well there goes the deposit you paid!

Most Travel policies will cover the following: Holiday delayed - Missed departure - Lost your passport -Personal money stolen -Damaged your ski equipment - Personal Accident -Abandon your holiday before you leave your country of residence - Catastrophe (fire, flood, earthquake or storm) - Medical Emergency - Hospital - Emergency Dental Treatment -Legal Advice -Mugging. You must always check exactly what the insurance provider is exactly offering and covering. Most insurers offer a single trip, multi trip 90 day policy and annual policy. A lot even offer people on their "year out" travelling a "back packers policy". Enjoy your travels, but remember your travel insurance.

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As a nation full of travelers, we easily spend hours of our day dreaming about that next break, only to finally act on whatever special is going on at the time of booking, regardless if that's where we intended to go or not. Why? Because we assume that the flashy deal is the only way to get the great price. Thankfully with the abundance of online booking services and great discount travel websites now scattered throughout the web, the competition is so fierce that someone is always offering a great deal - and finally, it's to destinations you actually want to visit!

One of the quickest, easiest sources for comparing travel prices in flights, hotels, and car hire agencies across a multitude of travel providers, are the online discount travel sites. These guys really are invaluable when it comes to making your trip as cheap as possible. Most of these travel websites provide you with all the necessary resources and also allow you to choose your travel package by comparing them with other specials offered by airlines, hoteliers and car hire agencies. The online travel gurus help you understand the ins and outs of discount air travel, helping you find the lowest possible airfare. Sometimes all it requires from you is to be a bit more flexible with travel dates and airline preference.

Most of the travel websites are consolidators that bulk buy travel products - including flights, car hire space and hotel room - from some of the finest airlines and hoteliers in world, and then pass these wholesale savings on to you, the individual traveller.

These sites allow you to compare prices, choose your preferred airline and get the best deal on holiday packages. In addition, they will also arrange your accommodation as well as car hire, travel insurance, and destination activities.

All-in-all, reducing the stress of planning your next trip.

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What is a Holiday Rep

Most of the people must have not even heard about this excellent and fun filled career opportunity called holiday representative. The holiday representative is a person who would be responsible to look after the holidaymakers who are on a package holiday throughout the world.

The duties of a holiday rep can vary depending on the operator of the tour, but it generally includes meeting the holidaymakers at the airport and then escorting them to the planned accommodation. The holiday rep will also have to host welcome meetings, handle the customer complaints, organize excursions and also check the safety of the hotel along with other customer satisfaction services.

Even though a holiday rep means a hard work to be done, becoming a holiday rep can also be very enjoyable and rewarding. Building your career as a holiday rep is a great way to travel around the world and also get paid for it. Two of your days on work would rarely be the same and additionally you will also meet thousands of people as you travel right from the great holidaymaker destinations to the locals. The operator of the tour would pay for all your flights from and to the resorts and would also provide you a free travel insurance along with a good accommodation to say in the hotel that you represent or you might also have to share the villa with other reps.

How to Become a Holiday Rep

There are a number of tour operators who are constantly looking out for holiday reps as their staff. The qualification that is required would however depend on the type of position that you are looking to apply for. A few of the companies would require holiday reps to be of 18 years old whereas most of the companies will need to be of 21 years old. Normally a formal qualification is not required but you should have good GCSE and a qualification in tourism and travel to boast you chances for the post.

Apart from this it is also not necessary for you to speak a second language and you just need to be willing to go abroad and be very strong and confident. However if you would be the children's rep then you will need a police check which is generally obtained by your tour operator on your behalf.

Most of the tour operators would also ask you if you prefer a particular resort where you would love to work in even though it is not guaranteed that you might be based in the resort. Becoming a holiday rep would be a matter of where you are needed to work.

Work During the Winter Season

When the busy summer season has ended and if you have proved to be a good holiday rep then the tour operator can also offer you some work during the winter. This can be in a ski resort or a winter sun resort if your tour company holds this option. However if you prefer coming back home during the winter months then you can be offered in your hometown company in travel agency or their office.

Most of the people who take the decision to become a holiday rep would surely want to know how much they can expect to earn from their work. The starting salary package for you as the holiday rep can start from around £500 every month which would include all the commissions over your selling excursions and other customer services provided. Although this sounds to be very little you can cut down your accommodation fees as it would be paid by your tour operator and might also offer you meal vouchers in the resort when on duty.

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Travel insurance is probably one of the most confusing types of insurance around. Numerous clauses, sub-clauses and a myriad of little stipulations make for a very complicated policy, which nevertheless is very important for any holiday-maker.

People going on holiday tend to adopt an 'it won't happen to me' attitude and, hopefully, it won't. But nobody is immune to ill-health or robbery, and baggage loss can happen to the best of us. So, for sheer peace of mind, it's worth looking into travel insurance when booking your trip.

The medical aspect of a travel insurance policy is probably the most important and the most needed. Far more people fall ill abroad than you'd think, and the cost of OTC medication can be extortionate abroad as well as at home. Even contracting a simple stomach bug can cost you dearly. And if you need to be hospitalised in a foreign country, you could find yourself deeply out of pocket - most countries don't have an equivalent to the NHS.

It's important to remember that most travel insurance policies won't cover you for any problems related to pre-existing conditions such as diabetes, heart disease or cancer, especially if you haven't mentioned these to your insurer when taking out the policy. Like any other type of insurance, omitting details on application can result in claims being refused, so make sure you tell them everything. This also goes for any dependents who are travelling with you; their medical history needs to be disclosed, but if the holiday is cut short because of a pre-existing condition it's unlikely you'll be reimbursed. Pregnancy, although technically a pre-existing condition, will normally be covered as long as you will be less than 28 weeks pregnant by the end of your trip (24 weeks for a multiple pregnancy). This restriction can vary between insurers, so always check your policy.

If you lose your possessions on holiday, your insurer will normally only pay out if you had taken reasonable care of them; if you had left them unattended you will be seen as negligent and claims will normally be refused. Likewise, if you leave any valuables unattended in your hotel room, vehicle or mobile home, and they are stolen, you may not be able to claim. If possible, keep your valuables in a room or hotel safe, or keep them on your person.

If your holiday has to be cancelled, there are some situations you will not be covered for. If you cancel simply because you decide not to go, for example because of a relationship break-up, you won't be refunded. If your holiday is cancelled by the hotel, or if you have an accident or unforeseen emergency at home, most insurers will refund the costs you have paid so far, plus any cancellation fees due. Again, check your policy first to see what is and isn't covered.

When you look for a travel insurance policy, don't just go on price alone. Annual travel insurance may work out cheaper, but if you only go away once a year for two weeks, you'd only really need cover for that time. Also, read all the small print, and ask questions, to make sure the policy covers exactly what you need.

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