Have you ever purchased travel insurance? If you have not, you are not alone. Most people never purchase travel insurance and many of those experience few difficulties as a result. But there are some instances where it is definitely in your best interest to purchase insurance to protect you when you travel. This type of insurance can cover lost luggage and valuables, injury and illness, car accidents, and cancelled or interrupted trips among other things. Choose your travel insurance carefully to meet the needs of you and your family.

Before you purchase insurance you will need to evaluate the overall expense of your trip. If you are just taking a quick trip that you found a great deal on, it may not be worth it for you to purchase travel insurance. On the other hand, if you are heading out for a month long trip to the Greek Isles, you should probably consider getting insurance. Think about how it would affect you in the pocketbook if something were to happen.

Many home owner, medical, and auto insurance policies cover travel to some extent or another so you may not need travel insurance for these areas. Your home owner insurance may cover the loss of valuables. Auto insurance often covers damage to rental cars, but you may have to get an endorsement if you are traveling out of the country. Health insurance policies vary greatly on coverage in different localities, so check with your provider for options before you get this additional coverage on travel insurance.

Purchase your travel insurance from an insurance company that is not affiliated with your travel provider. This way, if you lose your trip due to cancellation or bankruptcy of the travel company, you will still be able to get a refund.

If you have children you should take an extra look at insurance for your trip. Children may get sick, break bones, etc. and you will want to have protection.

Make sure that you have read the fine print on any policy before you sign. Every policy has different exclusions and limitations and you will need to be aware of them. If any of the exclusions concern you, you may want to look for another insurance provider or policy.

If you want to have a peace of mind while you travel free from worry about illness, lost luggage, and so on, you should definitely look into insuring your trip.

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Today I got a text message on my phone telling me I had won a free trip to the Caribbeans. To claim my prize all I had to do was phone a number with an 809 area code. I knew this was a scam of some kind, so I checked with AT&T. They told me to be cautions when responding to phone calls from this area code. Even though 809 is a legitimate area code for the Dominican Republic, it has also been used to lure gullible people into paying large international call rates.

And that free trip? There is no such thing. Just like there is no free lunch.

There are as many travel scams as there are con artists. Here are a few of them.

1. The "Cheap flight on a Major Airline" scam
If someone won't tell you what major airline it is, then beware. Those major airlines suddenly turn into minor ones that stop at ten different places enroute to your destination.

My advice: ask for details. If they can't give you specifics, then walk away.

2. The "Fly for only $48" scam
Remember, that's only one way. After they add service charges, processing fees and taxes, the total jumps significantly. And don't forget the other incidentals such as checked baggage fee and seat assignment request fee. To add insult to injury, they won't even give you water for free. Friends of mine bought a $2.00 ticket from Heathrow to Venice, and ended up paying $160 (not bad for a European holiday, but notice the jump in price).

My advice: check the fine print.

3. The "Travel Discount Card" scam
Groups that make these offers are known as "card mills" because they sell cards identifying you as a credentialed travel agent who can travel at free or reduced rates. The problem is that many suppliers of travel do not accept these cards.

My advice: Go to the American Society of Travel Agents website or call them to see if these cards are legitimate.

4. The "Offer Expires at Midnight" scam
This is just a high pressure tactic that travel scammers use to intimidate you into making hasty decisions. They know that this doesn't give you time to do a background check into their company.

My advice: Run a "background check."Vet the travel company on the Better Business Bureau's Web site to see if they are members of ASTA.

5. The "Hollow Suitcase" scam
This happens frequently in train and bus stations. A traveler gets distracted and takes his eyes off his bag. In a flash someone with a hollow suitcase puts it over the traveler's bag and then wheels the suitcase away. A variation of this happens on trains when someone runs through and grabs your case just as the train is pulling away. He hops off and you are stuck on a moving train.

My advice: Get Trip Protection Insurance!

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Airport utility worker has to work in outdoor weather mostly in all seasons. Airport Utility worker can direct the going and coming flights near the terminal using light signals. At the when Plane is free; Airport utility workers go with service vehicle to fill the fuel in the plane. An airport utility worker also removes wastage of chemicals. Airport Utility Workers also check the tires and check airs of the Planes. Airport utility workers also do the finding work of lost baggage of the customers and trace its records

During the preparation of the flight, they clean the whole Plane from inside and see that everything is proper in the plane and there are proper stock supplies. Normally they use ladders and brushes to clean the outside of the planes. It is not a hectic process as almost everyone enjoys their work. They can have proper lunch breaks as well as short term breaks.

Education for this work should be High School Diploma or other similar courses. One can also do course similar to that from private institute also. Generally an intermediate in preferred with a one or two year diploma in air hostess training, hospitality or travel. To get this job a person can directly apply to the airport office at different places. One can get their addresses from the particular Airlines Website. Sometimes ads for this work are also given in newspaper or on internet in job sites.

After getting complete training and experience in airport utility worker may move to supervisory position. After getting additional training one can also become cargo service managers. The most demanding aspect of this job is that there are frequent promotions for an Airport Utility worker depending upon job and experience.

There is quite good employment in this work of airport utility work. And it seems that by 2015, there will be more employment in this work as demand of air transportation is continuously growing day by day. Airport Utility workers are provided with schedules of their work which is divided in shifts of day and night and weekends or holidays. They also get special insurance policy, pension, special hospitality etc.

Airport Utility worker's salary can be about $25,000 per year as seen in 2006.This may or may not include holidays, vacations etc. It entirely depends upon the airlines authority. Airport utility workers also get some discounts when flying through airlines which make this career one of the most exciting career among youngsters.

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Taking an overseas trip will always engender equal parts excitement and panic... and that is not necessarily a bad thing! That nagging fear of the unknown is what prompts us to take measures to inform and protect ourselves, like making inquiries, taking out travel insurance, and being vaccinated. Making assumptions when you are overseas can be a quick route to hospital, jail, and in extreme cases, a coffin. When it comes to informing yourself, nobody has better, more comprehensive and trustworthy evidence than the Smartraveller site run by the Australian government. Here we look at the site's main sections and features, and why they create a form of primary travel insurance for you!

Travel advisories

There are some things that even travel insurance, useful though it is, cannot protect you against. Illnesses and injuries can have lasting implications, beyond an immediate need for medical assistance or evacuation. Reimbursement of expenses for many victims of crime will simply not return their lives to the states they were in beforehand. That is why the Smartraveller site issues advisories for most countries around the world where Australia has a consulate. The site ranks countries according to five levels of security risk. These are:

* 1. Be alert to your own security
* 2. Exercise caution and monitor developments that might affect your safety
* 3. Exercise a high degree of caution
* 4. Reconsider your need to travel
* 5. Advised not to travel

The government bases this advice on reports and requests for assistance from Australian consulates overseas, intelligence reports from Australian missions and ASIO threat assessments, and advisories prepared by other allied countries like the UK, Canada, the US and New Zealand. The following countries are, at the time of writing, on the 'Advised against all travel' list - a knowledge of current events will make the reasons for these obvious:

* Afghanistan
* Burundi
* Central African Republic
* Chad
* Iraq
* Somalia
* Sudan

Subscription service

The Smartraveller site offers you the option to subscribe to their travel advisories, as well as bulletins relating to current popular events in different countries. Bulletins cover events like the Hajj in Saudi Arabia (annual pilgrimage to Mecca), the soccer World Cup, pandemics, and new requirements for some countries.

Travel insurance advice

The Smartraveller site offers the very sage advice that if you can't afford travel insurance, you can't afford to travel. They give you quite a few case studies of instances where the Australian consulate has helped travellers who weren't insured, and the third party costs that were incurred as a result. They also give you tips on how to choose a travel insurance policy, and what is not covered.

Country Guides

There are comprehensive, amazingly useful country guides for just about every overseas destination on the Smartraveller site. This information will cover things that travel insurance will not - for example, notable local laws that your insurance can't help you if you break, health issues and which vaccinations are required, and safety and security issues.

Travel tips

There is an enormous section with information relating to many activities you can engage in no matter what country you are visiting. Some examples include:

* Arrested or jailed overseas
* International Driving Permits
* International Financial Scams
* Living and Working Overseas
* Mobile phones and other options for staying in touch while overseas
* Tips for travelling parents
* Travelling Seniors
* Travelling Women

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One can never really be sure about what awaits them in the future. The more the number of changes in your life, the higher are the risks of something untoward happening. Hence, you might want to be sure that you wouldn't end up spending a lot of your resources trying to compensate for a lack of protection. When travelling abroad, you would want o be sure that you have a memorable time while not engaging in too many expenses. Reducing your medical costs is one way in which this can be achieved. You can do this by going on visitor's medical insurance.

Simple Approach

Unlike what might be commonly believed, acquiring visitor's health insurance is not really a challenging job. You don't have to qualify unrealistic conditions in order to be insured. You just need to be reasonably healthy and within a predetermined age limit. These are the main conditions and once you have satisfied this, there is nothing more that you need to take care of in order to get the appropriate kind of insurance. In a short period of time, you will be able to get coverage and you should be on your way without any kind of problems.

Cheap To Purchase

Since you are going to be in the country for only a short period of time, you will be able to get coverage for a very low price. Hence, you shouldn't have much of an issue trying to get this insurance. In fact, you should be able to get the coverage for a price that might be way cheaper than not being on insurance altogether. The costs are heavily dependent on the duration of your stay, which is what makes them the cheaper option altogether. Instead of having overlapping coverage, you can go in for this and stand to save a significant amount of money.

Customizable

If you thought that opting for visitor's medical insurance will cut back on your coverage, then you are mistaken as this form of coverage is actually customizable in the way that is suitable for you. It is quite an effective form of being covered and you can choose only the things that are suitable for your profile. The options are literally limitless and you can get the kind of coverage that will work for you without much of a problem. Hence, if you feel some part is not worth it, then you can cut it out and opt for something different instead.

Nevertheless, it is never worth it to take risks and opt to remain uninsured while abroad. The chances of falling sick are quite high, and unless you plan to spend a significant amount of your vacation money trying to get better, you should opt for visitors medical insurance that will help you pay for these expensive bills. Many individuals have realized the hard way that it is just not worth it to take on such heightened risks and then pay a high price for it later on.

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Travel insurance provides coverage against financial and other losses that you may incur while traveling domestically or internationally. You can either get it at the time of booking your trip, for the exact length of the trip or you can get it for a longer period. Travel agents, travel insurance companies, cruise lines, or tour operators can all help you with purchase of continuous travel insurance.

Here's a list of some of the most common risks that are covered by travel insurance:

- Cancellations and/or Curtailments;

- Delayed departures for flights, and other modes of travel;

- Loss, theft or damage to personal belonging and money including travel documents;

- Delay or loss of baggage;

- Medical expenses/Sickness;

- Emergency evacuation/repatriation;

- Overseas funeral expenses;

- Accidental death, injury or disability benefit;

- Legal assistance for travel related needs;

- Personal liability;

- Loss of income due to other reasons.

Some travel insurance companies have travel policies, which will also provide you extra coverage for additional price. However, these costs vary widely from carrier to carrier. Here's a list of the extra insurance coverage that can be purchased for an additional fee:

- High risk sports (e.g. bungee jumping, scuba diving, sky diving);

- Travel to countries with high risk (e.g. due to civil wars or natural disasters);

- Travel with pre-existing medical conditions (e.g. asthma, diabetes, heart conditions).

There are several types of policies available depending on your needs. If you travel more than twice a year, then you can avail the option of an annual holiday insurance policy, rather than buying two single travel insurance policies. Some basic types of policies available are:

- Single Trip Cheap Travel Insurance. Perfect for those who take one main holiday annually. It covers single trips anytime in the year with a duration of min. 3 to max. 183 days per trip.

- Annual Multi-Trip Cheap Travel Insurance. If you travel over two times in a year, then this holiday coverage works well for you. Not only do you get flexibility and peace of mind knowing you are covered for each trip, you will also save on money. You can make unlimited trips of up to 45 days each through the year.

- Backpackers Cheap Travel Insurance. Students and backpackers may insure themselves by opting for this insurance type. Travelling to unknown countries and places where you may not even speak the language is a path fraught with danger, but with a travel policy, you'll be secure in the feeling that if you meet with an accident or fall sick, you'll be able to get the necessary medical assistance. It usually covers trips from 31 days to 18 months per trip. Some carriers also include up to 40 Adventure Sports in the policy.

Some of the other travel insurance types are Ski/Snowboarding, Senior Citizen and Long Stay Travel Insurance policies. Choose the best one for you, stay covered, and be stress free on your holidays!

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As you know, there are many problems that people tend to face when it comes to coverage of any kind, regardless of the fact whether the coverage in the form of your general well being or for your property. But there is always a certain level of misunderstanding when it comes to dealing with travel insurance, travel immunity in general, it is wrong that people usually think that they might not need travel insurance in the first place.

It is very disturbing misconception that the main reason for this is that travel insurance is required, regardless of where you can go from simple problems such as saying that you've lost your baggage or you might for example wind up losing your purse, but as you might know, these aren't the only problems that you might wind up facing when your overseas or for that matter visiting another city, you can, For example, wind up in some form of comatose or for that matter god forbid you might wind up in an accident, however the fact of the matter is that it takes time and understanding to realise the implications and points of why you ought to get travel insurance in the first place, and to take into account such things I suppose I understand now why you are at the heart of access to travel insurance in the first place.

However, you have to understand that the question of whether the insurance premiums may seem high, the benefits tend to be generally much higher than can be imagined, but you must take into account the type of immunity, which you can get from the insurance company, and the reason That is the main reason why you might wind up getting rejected for a suitable policy that was just right for you, you can see if you say that a person who has the thrill and adventure there is a possibility that the insured had settled, they may ask why? And also because most of them could end up in a much worse situation, or even they may not give you the proper form of coverage, mainly due to the fact that this kind of life that are not generally accepted by insurance companies.

you must always keep in mind the preservation of the pattern of life that show you are keen, adventurous, crazy, but not in the right leg, is the crux of the matter to obtain travel insurance in the first place, as well as that you have to remember that travel a lot, but the benefits tend to compensate for rising costs in general.

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Travel health insurance is particularly designed to protect you and family from unexpected medical adversities and much more in a foreign land. An appropriate travel health insurance policy also covers evacuation expenses incidental to a medical emergency or flying back for treatment.

Cover You can custom build a cover as will be suitable to you. You can combine monthly or daily periods, whichever is convenient for your budget. However, covers are available from 10 days upto 2 years. Coverage end on following points- whichever occurs earlier:

Your return to your Home Country
The date shown on the ID Card, for which plan cost has been paid
The date you are no longer eligible under this plan

In addition, you will also want assistance in case of robbery or lost cash and arranging an evacuation

Plans You have your plate full in planning your trip. But you can't ignore selecting a plan that makes available the right coverage. Each visa has certain requirements for most eligible travel health insurance plans which can be a starting point to build over. Available plans range from basic to comprehensive policies accommodating trips of up to 35 days. Plans are packaged for individuals, groups, businesses and by definition include coverages such as terrorism, hazardous sport, emergency medical evacuation and more. Unfortunately, employer sponsored plans often don't go beyond emergency care and often they are burdened with the responsibility of proving it's an emergency. Organized groups can choose from our wide range of group plans. Beyond this, there are certain plans that are far more comprehensive that carry higher levels of coverage.

Travel health insurance premiums are predetermined in agreement with regulations, so it is more or less the same across the spectrum of companies and there is no point in wasting your time searching around in the last minute. Clarify the technical terms, jargons and conditions that concern eligibility benefits, limitations and exclusions.

Expenses It is obvious that heath care expenses in an abroad country can be significantly higher and not to mention the cost medical transportation and countless travelers pay the price because their domestic health care plan provides hardly any coverage for medical expenses outside their country. But with an appropriate travel health insurance plan under your belt, you hardly need to worry about unexpected expenses such as hospital treatment, medical expenses, and sudden illness. If anything, it is your deductible, coinsurance amounts and non-eligible expenses that you need to pay up. But keep in mind that charges which exceed 'reasonable and customary charges' or investigational surgeries & treatments are out of the scope of most travel health insurance plans.

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Traveling insurance is something that is as important as the tickets that you cut to your destination. There are many people who undermine the importance of insurance. But it is also a fact that numerous individuals have suffered immensely because of not having insurance of travel. In order to ensure that you do not ruin your entire trip and repent later, it is best to find out all about travel insurance and getting it done.

Why do you need Travel Insurance?
There are many things that can suddenly happen, leaving you in dire straits. In case of emergency situations and unexpected circumstances, you should always have travel insurance to fall back on. Have you ever imagined what would happen if a planned trip gets cancelled or the airline you were planning to fly with goes bankrupt? These are situations that are, indeed, unlikely. But at the same time, they are not impossible. As the old saying goes, it is always better to be safe than sorry. So getting insurance of travel is a very good idea.

Even in cases like loss of luggage, having travel insurance ensures that you get replacements for what was lost. When you are traveling to another country, you must find out whether normal insurance will grant you cover in that country or not. It often happens that the insurance you have is not accepted in the country you go to. If this is the case, and there is some medical emergency, you will face a lot of problems in a completely foreign land. This is where insurance steps in. It guarantees you cover even in medical emergencies.

How does Travel Insurance help you?
Travel insurance is a great friend in need. Even if you fall ill and cannot travel, you can rest assured about getting your money back, thanks to insurance.

The whole point of insurance is to guard you from unprecedented trouble. Life is uncertain. There is no way in which we can tell what is about to happen even in the very next moment. Thus, it is best not to take chances and make proper arrangements so that when you land up in trouble, you have something to fall back on. Travel insurance is very important because it provides a buffer for you in case anything goes wrong. It is especially important because when you are in a foreign land, you are at a greater risk because your familiarity with the place is low.

How will you Choose your Insurance Plan?
Once you understand the importance of travel insurance, you should take it seriously and start conducting basic research about the companies that offer travel insurance. There are numerous companies that do so and you just need to find out which one suits your needs best. One factor that is very important in your decision is your frequency of travel. The insurance needs of a regular traveler are completely different from the requirements of a family going on a vacation. So before you finally zero in on a particular policy, you should make it a point to carefully consider all your options.

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You know how your mother always tells you to wear clean under wear in case you're in an accident, that's kind of what travel insurance is like. You have to have it just in case because should something unfortunate happen (cross your fingers, turn in a circle three times to the left and spit on your right shoe for luck) you are really going to want to be covered for it.

Something that you tend to think very unlikely but that is actually quite vital is medical emergency coverage. No one thinks that anything bad will happen to them while they are on holiday. Holidays are supposed to be happy times, nice, fun and relaxing times. No accidents will happen; no one will get sick, no legs or arms will get broken, no one will fall off a mountain and no one will need emergency triple bypass heart surgery, in an ideal world, which this is not. Which is why every morning we all make sure we put on clean underpants with no holes in them and why we should all buy travel insurance.

Accidents have been known to happen all the time that is the nature of accidents, their very essence. You don't even have to be on an action adventure, adrenalin-seeking holiday to go looking for trouble. Trouble can come looking for you in the quietest and most serene of destinations. Do you know how badly you can damage your muscles and ligaments at a yoga retreat if you don't do the positions correctly? At some places, at most retreats actually, you practice yoga outdoors, a bee could sting you and you could be allergic to bees. And yoga retreats, the proper kind, are quite far away from civilisation. Could take a while to get you to a hospital, you'll definitely need emergency care then. It would not be cool if they turned you away because you didn't have cover. Or perhaps they're actually a good hospital, more interested in helping people at first, than making money, but the bills will come. It would be nice to be covered for some of them.

Another example, you could be enjoying a nice island holiday, avoiding any dangerous activities like diving and snorkeling and paragliding. You could just be wading in the nice warm water and step on an anemone, which can be mighty poisonous. Going to want to be covered for that hospital stay, which could be lengthy while you recover. You might ever need to be transferred to a bigger and better hospital. You're going to want to be covered for some of that. Children jump on rocks, they jump on trampolines and they fall and they break arms. Sometimes strokes and heart attacks to happen. It's always best to be prepared.

There is also lost baggage insurance. This is little consolation when you've lost your entire winter/summer wardrobe, and you have no clean under with which to heed your mother's accident precautions. It does even less to calm your nerves and your anger and your frustration. Not even shouting at the hapless person behind the baggage claims counter helps that, well it does a little but then you just feel bad for yelling at someone who can't help their job and that makes you feel worse and makes you want to yell at someone else, and maybe kick something. But it does mean that you can at least buy some more clothes so the situation is not entirely lost. You can look at it as a good opportunity to up date your wardrobe and you were probably meaning to throw out half of your stuff anyway, you just never got round to it.

And then there is car rental insurance. Very important but only if you are going to rent a car. If you are not going to rent a car, you do not have to bother with this one. If you are going to rent a car it might be a good idea to get all three that way if you're in an accident, say another car accidentally drives into the back of you and pushes you into a river, and you are injured and some locals have to pull out and they only just manage to do it before the car is washed away. You are covered for your car, lost baggage and medical expenses. And if you were really smart and took your mother's advice you would have been wearing clean unholy underwear and would have nothing to be ashamed of. You're smiling all the way.

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Nobody wants to get sick on an overseas holiday! Much as travel insurance has freed us to truly enjoy other countries, including their rivers, food and people without the risk of coming home tens of thousands of dollars in debt from medical bills, prevention is always better than cure. The health landscape worldwide is constantly changing, as new strains of disease evolve and find resistance to current treatments, so it is important to check out current events in the world health area before you leave the country. Today we look at what you should be aware of, for travel insurance and vaccination purposes, if you are travelling overseas during summer 2009/2010.

General Travel Health, Summer 2009/10

Managing your health varies widely from place to place in the world. A lot of us tend to assume that because the local people have survived relatively unscathed, that we will too. This is sometimes right - however in many cases local people have built up years of immune resistance to particular bugs. In some cases, the people that could not survive the pathogens in a particular area simply died as children. Here is some general health advice for travelling overseas in summer 2009/2010:

Always see a doctor several months prior to leaving and get all recommended vaccinations for the region you are travelling to.

Always get medical travel insurance.

If you have a pre-existing condition, have a checkup with your doctor and devise a written management plan.

If you need to take your own medication overseas, you will need a letter of authority to carry it from your host country.

Apply insect repellent regularly, stay away from local domestic animals, and follow rules for safe eating and drinking and safe sex.

Dengue Fever

Queensland has seen a major dengue outbreak over summer 2009/2010, and Cape Verde and Senegal have seen their first ever dengue outbreak (up to 1000 cases per day have been reported). If you are travelling from Queensland, it may be wise to carry a certificate of vaccination for dengue even if the country you are travelling to doesn't usually have it. This will help you avoid logistics-related travel insurance claims.

Rabies

A rabies outbreak has been recently reported in Bali, and in Ghana several people have died from the disease. A post exposure vaccination is not available, and even people simply spending time bicycling and walking in rural areas could contract the disease.

Cholera

In Malaysia and Papua New Guinea, there have been several cases of cholera reported. In Malaysia one source is thought to be contaminated fish used to make crackers - what would usually be assumed to be a safe food. Six ice factories have also been ordered closed. This disease is vaccine preventable - if you have your needle you'll be saved the hassle of claiming on your travel insurance.

Yellow Fever

Yellow fever has gained a foothold in Brazil, where seven people have so far died and dozens more have been diagnosed with the disease. While Brazil doesn't require that travelers into the country are vaccinated against yellow fever, it is strongly recommended. Holiday insurance might cover your pocketbook, but it won't stop your trip being ruined!

Swine Flu Update

Some countries might impose quarantine measures if you are travelling with flu-like symptoms - a level of travel insurance cover that provides protection against logistical events is advisable if you have a cold or flu, so that you don't lose out by missing a booking. You can be vaccinated against swine flu in Australia if you wish.

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Most people think that they will be lucky enough not to fall victim to an accident. But the truth is that accidents can and do happen to anybody at anytime - usually when least expected. For example, did you know that in the UK every year 2.7 million people turn up at hospital accident and emergency departments seeking treatment because of an accident at home. Or that almost 4,000 people die each year in accidents at home*?

If you are unlucky enough to have an accident that results in a serious injury, you may not be able to return to work quickly. And, if you have to take an extended leave of absence from work, your income could suffer greatly. The good news is that personal accident plans can offer tax free, lump sum cash payments to help you out financially - if you've suffered from a loss of income or in some other way - should the unexpected happen.

Many insurers offer standalone personal accident insurance policies; however, limited personal accident cover is also often included in motor and travel insurance policies. The benefits of standalone policies is that the cash payments are larger and there are usually fewer restrictions. For example, if the cover is under your travel insurance, the accident must have occurred whilst travelling.

Personal accident plans usually provide cover for a range of injuries arising from accidents, including permanent disablement. This could include, but is not limited to, quadriplegia, paraplegia, total and permanent loss of use of one or two limbs and complete and irreversible loss of sight in one or both eyes. Some plans will also provide cover for fractures, dislocations and even burns.

Furthermore, if you have to spend time in hospital after an accident, some plans will also provide cash benefits for hospitalisation as well. If an accident resulted in one of the above injuries, the cash payments could be used towards the cost of replacing your lost income through to the cost of a holiday to aid in your recuperation.

Most accident plans will also include an accidental death benefit providing a generous cash lump sum to your estate in the event of death caused by an accident, while plans only offering accidental death benefits are also available. The amount paid can vary and often plans will have different levels of cover. Some plans even pay out differently depending on the circumstances of the accident (i.e. accidental death as a result of a road traffic accident). Cash payments with this cover can help your family with the often unexpected financial burdens brought about from such things as a loss of income, funeral expenses and even to cover the potential impact on your loved ones' incomes during bereavement.

Innovation has played a part in the personal accident market with insurers targeting specific groups of people with different versions of personal accident plans. For example, as slips and trips are more common amongst individuals aged 60+, one insurer has offered affordable cover for fractures and dislocations as a result of accidents, with multipliers if injury is caused as a result of a personal assault. If you fit into this age group and took out this cover, you could find the cash payment particularly useful if your accident resulted in a hip fracture that may severely restrict mobility. What's more, with hip fractures generally having long waiting lists in the NHS, the same insurer even offers a choice of a cash payment or immediate private hospital treatment for the injury - the choice is yours.

Children can also usually be covered on personal accident plans but often they only receive a portion of the adult benefit (i.e. 50% of adult benefit). Some personal accident plans also provide telephone helplines for you to call upon should you need support during such a difficult time. And, the standalone plans are relatively low-cost starting from around £5 a month for a single policy.

There is no denying the fact that anyone can be a victim of a personal accident and the financial after effects could, in turn, be great. But luckily, there are low-cost personal accident plans available to provide you with real peace of mind - whether you choose a comprehensive personal accident plan or an accidental death cover plan.

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Travel insurance is indispensable to your travel. There are some people who do not think much of travel insurance, and there are others who take low-budget ones that covers the basic things. But hold on; is your life trivial that you'd go without insurance? The right kind of insurance for your travel needs can be the best thing that will bridge the gap of a travel disaster and the emotional-financial loss. You may have coverage for travel in your credit card but that is not of much help because they have limited coverage.

Here are the three general types of travel insurance that you should take:

Travel Health Insurance: It is unarguably, the most important type of travel insurance. To know if you really need one, contact your health insurance provider and find out how much can be covered though health insurance when you are travelling. If you find things that are lacking in your health insurance, you need to take insurance for travel. You will be able to get instant hospitalization in the network of hospitals in the cashless scheme or you will be reimbursed for treatment costs in the destination country, if you take the insurance. Even expenses for medicines and transportation from the airport or hotel to the hospital and back can be covered. However, there are some clauses in which this insurance can become void. So make sure that you study the insurance thoroughly before signing the dotted line.

Luggage insurance: Most people are prone to lose their baggage, luggage and belongings while on travel, especially in flight travel. So, if you take luggage insurance in travel, you will be reimbursed for luggage that gets stolen or damage during the course of your trip. However, you may note that certain expensive products like jewelry, laptop, high resolution digital cameras and obviously cash are not included in it. Even if some of them may be included in the insurance, there may be some conditions that you may have to adhere to.

Travel Insurance for canceled trip: Travel insurance covers the cost of cancellation of trip for certain reasons. Some of the cases include sickness or death of the passenger, death of a family member, sudden job loss etc. However, every policy may have its own customization for this kind of insurance.

It is therefore important to study the travel insurance that you are taking; understand what it covers so that you are not inadequately covered. For instance, if you take budget travel insurance, you may not be covered for damages through natural disasters because they are deemed as 'acts of nature' and therefore excluded. So before you buy a travel insurance, make sure you go beyond just the price quotes and understand the insurance and the coverage properly. Find out things that are clear and look for the ones that flock your mind with questions. Highlight them and call up the prospective insurance provider and ask questions. It is the job of the travel insurance agent to help you make the right decisions.

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Travel is one of the life's greatest joys but even the most carefully planned trip can be complicated by unforeseen events. Whether it is lost luggage, cancelled flights, or medical emergency, an unexpected mishap can turn a relaxing vacation into a taxing experience. But by opting for a good holiday travel insurance policy, you can save your money, safeguard your journey and make your vacation a truly memorable one.

There are many things to consider when planning for a vacation - where to go, what to pack and what do once you reach your destination. No matter how well you plan, there are some things that go out of your control. This is where travel insurance comes to your aid by compensating you for the unforeseen emergencies while traveling.

What does travel insurance cover?
Trip Cancellation/Trip Interruption: Reimburse travelers who are unable to take their trip due to illness or death, weather, airline strikes, terrorism, bankruptcy, becoming unemployed or home being rendered uninhabitable due to fire, flood etc.

Medical/Health: Reimburses medical or emergency dental costs. All most all insurance plans work by reimbursing the traveler after he has paid locally for the treatment. Medical evacuation insurance covers the cost of an air ambulance, attending physician and nurse if you are badly injured or become so ill that you are unable to come back home.

Accidental Death:
Air Fight Accident: Covers death during an air flight only. Usually covers the highest amount of coverage due to lower risk.

Common Carrier: Covers death while traveling in public transport such as ferry, train, bus or taxi.

Accidental Death: Covers death at any time on your trip. Usually provides the lowest amount of coverage due to higher risk.

Travel Delay: Reimburses travelers for hotel, food or clothing expenses in the event of a flight delay.

Baggage Loss: The plan includes reimbursement to travelers for their, lost, stolen or damaged personal items. This coverage is generally for the duration of the trip and not confined to baggage damaged or lost by the airline.

Rental Car Damage: A specific amount is reimbursed to the traveler for damage or loss of a rental vehicle.

Is travel insurance necessary?
One issue that often strikes us while planning for a vacation is the necessity of travel insurance. Nobody likes to think of the odds that could make you cancel or shorten a vacation. No matter how well you plan for your vacation, things go wrong due some unavoidable circumstances. And it is here that you seek for shelter of travel insurance.

As with most things in life, we are exposed to a certain amount of risk when we travel. This is the sole reason why we require travel insurance. Now, whether a person is a student or a professional, it is applicable for both. For students, however, there are certain separate rules and regulations compared to the insurance policies for the other groups of people.

So before you finalize your vacation plans, be sure you have given careful thought to whether you need to purchase an insurance policy while you are traveling. There are circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling. Travel insurance provides you with that extra protection cover you need.

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Veteran international travelers know that it's vital to begin preparing for your trip well in advance of it. Simply preparing for your trip by educating yourself on the country you're visiting and making a simple purchase of travel health insurance can get your trip off to a good start.

A visit to the doctor should be your first step. Imagine you're on you business trip or family vacation, and suddenly your physician phones to tell you about some awful condition you have. If you go to the doctor before leaving, you can identify these sorts of problems right away and then get them addressed so you don't make them worse while traveling.

Learning about the country you're visiting is a good follow-up step. Every country poses its own health problems for tourists; find out what those are for the country you'll be staying in. That way you can avoid dangerous situations and increase your chances of a safe, enjoyable trip. As you're looking for resources on this subject, don't be afraid to ask someone at your travel medical insurance agency.

Current events should be the next item on your list. Is there political unrest in your destination country? Are there weather pattern changes that might make a visitor more inclined to fall ill? Don't be afraid to see if your travel insurance agent can help you there as well.

Now you're ready to purchase your travel health insurance policy. Because even with great preparation, there are all kinds of unpredictable pitfalls out there that you don't want to face without insurance.

The reality is, without insurance medical coverage is unbelievably expensive. Routine office visits run well north of $100, and treatments that require specialist could cost you thousands of dollars. But with a travel medical insurance policy, those high charges are a thing of the past.

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Many of us think travel insurance is a waste of money - until, that is, we have need to use it. Then, we're so grateful we took it out.

But how many of us read the policy wording? This contains highly important information which, if ignored, could mean exposing yourself to extremely high costs.

It is especially important to ensure you have met all the conditions of a travel insurance policy if you have a pre-existing medical condition. What is that? The precise definition will vary from one company to another but, in essence, it's a medical condition which was present when you booked the travel insurance or one for which you have, in the past few months, sought medical advice, been in hospital, had investigatory tests or taken medication.

Many people think they don't have a pre-existing medical condition. However, on further questioning, it can be discovered that they are on medication for asthma, blood pressure or high cholesterol. Because these conditions are stable - because of the medication - still means they are a chronic, pre-existing conditions.

The importance of ensuring any pre-existing medical condition is declared to an insurance company is that it can be assessed and, hopefully, covered by the terms of the policy. This means that should you require medical treatment when you're away that is linked (directly or indirectly) to a condition, then the associated costs will be covered by the insurance policy.

If you do not declare conditions (and have confirmation in writing that they have been accepted for cover) any claim might be rejected.

One person had a whole series of conditions but declared only one to an insurance company when booking travel insurance. He travelled to America and became seriously ill but because of the conditions he had not declared.

The hospital contacted the 24 hour medical assistance line used by the insurer, who confirmed he had a policy. Detailed information was obtained about the reasons for him being hospitalised and then checks were made with the medical screening service for what medical conditions had been declared and accepted for cover. It quickly came to light that the treatment needed was for a range of conditions not declared. Had they been, the person would have been told that cover could not be offered for them and he would be at risk if he travelled and needed treatment.

That man went home with a very large medical bill that was declined by the insurer.

Another person had declared his medical conditions but failed to mention that he had experienced atrial fibrulation (unsteady heart beat) because of a change of medication. His doctors had told him that he had nothing to worry about as they had changed his medication back and the atrial fibrulation stopped.

When he was travelling, guess what? He needed hospitalisation because of atrial fibrulation! So much for his doctors' reassurance!

His insurers declined his claim. He argued the heart condition was caused by the change of medication, that it had been changed back and his doctors told him not to worry. However, the cause of a condition is not as relevant as the fact that it had existed at all. It should have been declared as part of his overall medical situation.

When doctors declare someone is fit to travel, they are using one set of criteria. When insurers assess whether to include someone's medical condition(s) within a travel insurance policy, they are using a completely different set. They are using tables of statistics that determine the likelihood of someone in that situation making a claim. Depending on the level of premiums for the policy, they will then decide whether to take the risk of insuring it. There has to be enough money in the 'pot' to be able to meet claims.

In another instance, a man with previous pancreatitis declared it to an insurer and it was accepted for cover under the policy. When away, he became ill and in great pain and needed urgent hospitalisation. His claim was met because it had been declared and accepted.

It's not only medical costs that an insurance would cover. If the person requiring medical treatment has a traveling companion with them, it is very comforting if they remain rather than return home. When we're ill, we can feel very anxious, even frightened, and the company of someone we know is often reassuring.

This can mean extra hotel costs for the traveling companion and new air fares for both when the person is discharged from hospital. Sometimes it's necessary for a doctor and/or nurse to accompany the person who has been in hospital. Sometimes it's necessary for the person to be repatriated in an air ambulance

It is vital that if you have any medical condition at all, declare it to a travel insurance company. Let them make the decision - don't risk making an assessment yourself - it could cost you an awful lot of money!

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Travel insurance may not be your favourite subject but if you are going on
your holidays with all the other expenses you are going to have you will
probably want to find cheap worldwide travel insurance. So to save you
having to think about it and to make your life that little bit easier and
to save you some time I have a few ideas here about how you can do just
that.

1. Buy direct from the insurance company, online if possible, it cuts out
the middleman.

2. Shop around using the search engines, compare prices and find out what
coverage will be provided. The one you chose may not be the cheapest but
if it gives the best value all round then it is the best for you.

3. If you are traveling in a group the chances are you can get a better
rate for all of you rather than individually.

4. If you make a number of trips a year, multi trip insurance would be
cheaper than getting a travel insurance policy every time your agent books
your travel ticket.

5. Check your current insurance policies and see if any of them cover
aspects of your trip. Like your cameras etc are they covered not just at
home but while you are away as well. Then you can purchase insurance for
just what you actually need. This should cut your costs.

These are all simple little tips but they should save you some money when
you next need cheap worldwide travel insurance for yourself and/or your
family. After all we all hope we won't need the insurance but it is always
best to have it. When you are in a foreign country and something goes
wrong whether it is a stolen wallet or lost passport you really do not want
to go it alone. You are going to be really relieved to have the insurance
guy deal with things and see you have the funds etc to carry on with your
trip and not have it ruined by some unforseen problem. After all that is
what insurance is for. To take care of you and yours and give you peace of
mind so you can relax and enjoy yourself. Happy Travels!

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Travel insurance is designed to protect you from losses while you are traveling. There are many situations that could result in your need of travel insurance. Things like lost luggage, trips being cancelled, medical emergency expenses along with other situations you may not have thought of

There are several types of coverage for travel insurance and it will depend on the insurance company issuing the policy as to what you are covered for.

Some types of cover available for travel insurance are:

Trip Cancellation

Accident/Sickness Medical Expenses

Baggage/Personal Effects Loss or Delay

Medical Evacuation/Emergency Transportation

Trip Delay

Supplier Default

Trip Cancellation will cover you for non-refundable payments or any deposits paid for trips that have to be cancelled due to unforeseen circumstances. This is the most common type of travel insurance.

Accident/Sickness Medical Expenses is another cover that could be overlooked but is very important when traveling. This will cover you for any costs you may have for illness or injury while you are traveling.

Baggage/Personal Effects Loss or Delay, this will cover you for any items that may be lost or delayed in getting to you while traveling. Things like your luggage not arriving with you and you need to replace certain item while waiting for your luggage to arrive.

Medical Evacuation/Emergency Transportation, as it says, this covers you for medical emergency transportation if you need to be transported to a hospital or medical facility while traveling.

Trip Delay will make sure you are not out of pocket if while traveling your trip is delayed.

Supplier Default, if a travel supplier defaults, this will cover you for any payments either full or deposits you have paid.

Many travel companies like tour or cruise lines will offer their own protection plans. You may find these plans will offer a very different coverage to other insurance companies who do travel insurance. It is best to compare what each will cover you for and don't make the mistake of taking the travel company's offer without making sure it is best for you. Make sure you are being covered for all you need.

If you want to protect your travel investment and no matter where you are traveling to, it is costing you money. Often times the deposits and prepayments have to be paid so early that unforeseen circumstances often happen, like an illness, death in the family, accident etc and your trip may need to be delayed or cancelled.

There will be financial losses to you as most of the money you have paid is non-refundable and without the protection of your travel insurance, you will be very much out of pocket.

Your private health insurance may only cover you in your own State or Country so it is necessary to make sure you have the medical insurance coverage for your travels.

A travel insurance policy may cover you for all your needs but this will vary from company to company and from policy to policy. Remember if it sounds too good to be true, it probably is, so read the fine print very carefully.

Make your list of what you want covered and also make sure you know the value of your possessions and for your valuables, take photos so they can be identified in case of loss or theft. With digital photos and cell phones with inbuilt cameras this is very easily done today.

If you do have to make a claim for a loss with your travel insurance company, if you have records for them, it will speed up the process for you.

Just to recap, this is a list of the most common risks that are covered by travel insurance

· Cancellation

· Curtailment

· Delayed departure

· Loss, theft or damage to personal possessions and money (including travel documents)

· Delayed baggage (and emergency replacement of essential items)

· Medical expenses

· Emergency evacuation/repatriation

· Overseas funeral expenses

· Accidental death, injury or disablement benefit

· Legal assistance

· Personal liability and rental car damage excess

· Loss of income

Ask each travel insurance company what they provide first, then compare it with your list of what you require. The more you are covered for the more you may have to pay, so depending on how much you are outlaying for your trip, you will need to weigh this up.

Travel insurance like all insurance needs to be looked into for what your needs are, you will enjoy your travel so much more if you know you have taken the right steps for a "peace of mind" trip.

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As people search the globe for travel destinations, more people are enjoying Panama tourism than ever before. The country is a very easy trip, especially for people from the United States and Canada and it has an amazing amount to offer even the most seasoned tourist. Panama tourism can take you to the mountains, to the beach, to a rainforest or even to the past. Because of its long-term affiliation with the US, many things about Panama are familiar to Americans, but the beauty of Panama tourism is that no matter from where you come, you can find something exciting and new.

Panama Government

Government: Elected Democracy

Current Head of State: President Ricardo Martinelli

Currency: US dollar (called Balboa) No national paper currency is printed, but there is coinage of the same size and denominations as American coins.

Sales Tax: VAT is 5% (10% for imports)

Panama Geography

Area: 75,990 sq. kilometers

Population: 3,360,000, 2009 est.

Capital: Panamá City

The Infrastructure Panama

Time Zone: GMT-5

Telegram: Available in hotels and main post offices of major cities.

Press: La Prensa, El Siglo and El Panamá América are among the largest daily newspapers.

Mail: Mail to North America takes about a week. Post office hours are Mon-Fri 8:00am - 4:00 pm, Sat 8:00 am - 1:00 pm. For express services, FedEx and DHL are available in most areas. Mail forwarding services are available from locations such as Miami, FL for approx. $25 per month. These services provide an address and regularly forward mail based on a weight charge.

Police: If you are a victim of a crime, report it immediately to the local police, especially if you will be making an insurance claim. The tourist police, or policia de turismo, are better prepared to deal with foreigners and more likely to speak English. Typically they wear white armbands and ride bicycles.

Electricity: 120 volts AC, 60Hz

Emergency Numbers: Police 104, Fire 103, Tourist Police 269 8011), 911 is for medical emergencies only!

Panama Demographics

Language: Spanish (official), English 14%, and is the official second language

Religion: 85% Catholic, 15% Protestant

Panama Communications

Cellular Phone: Roaming agreements exist but most folks buy their minutes on a phone card

Fax: Available at most post offices and hotels

Directory Assistance: Dial 102

National Dialing Code: 507

Telephone: IDD is available. International calling cards are available and widely used. Many Internet cafes also offer VoIP calling as well.

Miscellaneous Facts

Siesta Time: There is no siesta, or midday break in the city. In some areas of the interior in makes sense and is still the custom.

Internet: Internet cafes are common and inexpensive. (usually less $1 per hour) Some restaurants and coffee shops now offer wireless hot spots.

Pets: Have your veterinarian prepare a standard International Health Certificate no more than 10 days prior to travel to Panama. The certificate should include the pet's name, breed, owner's name and current country of residency. It should state that the pet is healthy and free of parasites. It should also contain a list of inoculations including type, manufacturer and batch number.

Tipping: 10 to 15 per cent is customary in hotels and restaurants. Taxi drivers do not expect tips, but it is wise to arrange the rate before the trip.

Smoking: Panama is now a no smoking city. You can smoke out of doors if no one is near and in your home is no one else is present.

Panama Travel

With the continuing growth of Panama's Tocumen International Airport, Panama tourism has become an easy adventure. With direct flights from both Miami, FL and Houston, TX, Panama is little more than two hours away from the US. Other countries, including several in Europe offer direct flights to Panama as well, connecting Panama tourism with the rest of the world. The US government is very favorable about travel to Panama, listing only a small portion of the border area with Columbia as hazardous for travel.

When you arrive in Panama City (virtually all international flights to Panama come to Panama City), the first thing you will do is purchase a tourist card. This $5 document gives you permission to travel within the country for up to 90 days. Once you leave the airport, there is a variety of travel options to use: city buses, intercontinental buses, taxis, rental cars, airplanes and boats.

City buses - The brightly painted buses of Panama City are nearly tourist attractions by themselves. This is the lowest-priced form of transportation and an interesting cultural experience as well. They are called Diablo Rojos, red devils. Expect them to be crowded and loud.

Intercity buses - The country has a well developed bus system, similar to the Greyhound system in the US. For $30 you can travel from Panama City to San Jose, Costa Rica. If you show them that you are over 55 (with an (ID) you will go for $24. This is a great way to see the geographic beauty of Panama. In addition, buses are typical forms of transportation to remote areas such as Boquete.

Taxis - These distant relatives of the US taxi system are now all yellow and will beep their horns to alert possible passengers that they available. Taxis are very reasonably priced and can even be rented hourly or for trips to specific destinations.

Rental cars - Many of the same companies that service the US are in Panama as well. Prices for rentals cars can be reasonable via the Internet but very high in office. The style of driving in the country suggests that Panama tourists be careful when renting cars and strongly consider purchasing the insurance.

Airplanes - The country has a good regional service for Panama tourism. Fees are reasonable and service connects the major destinations within the country such as David, Bocas del Toro, the Pearl Islands and Colon.

Boats - Along the coasts, there is some use of boats for Panama tourism but this is not a widespread. Boats are also not recommended for tourists traveling from Panama to Columbia due to safety concerns at the border; only airplane travel is viable between these two countries.

Panama Attractions

Panama is a country filled with activities. Starting in Panama City with the ruins of the ancient city, the rainforest, the Panama Canal are all an interesting visit. Throughout the country, the Carnival (held near the end of February), numerous fairs, concerts and traditional events dot the country. The country is fanatical about their national baseball league and the Panamanians such as Mariano Rivera who play in the major leagues. Soccer and basketball games are always available to be enjoyed and activities such as swimming, surfing, and fishing add to Panama tourism's appeal to the sportsman. If you are a truly avid fisherman take a charter out to the "Tuna Coast," the Panama Pacific where a large number of world records have been set in sport fishing.

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