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

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

Cheeky Monkeys Cause Havoc

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

A LOT of Bombay Mix

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

A sting in the tail

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

Geronimo!

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

The joke's on the burglar?

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

Wrong airport, wrong country!

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

Some claims just aren't worth the excess!

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

Criminals aren't the only animals to ruin your trip

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

Coconut Shy

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

Coconuts lost

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

A what!?

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

A burning desire for a drink

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

Someone's fibbing!

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

Related : Buy Kindle DX

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

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

What Holiday Insurance All About

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

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

Why Buy Holiday Insurance Then?

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

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

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

Cheap Holiday Insurance Deals Are Easy To Find

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

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

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

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

Tags : Best Buy 22 inch LCD Monitor

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

Get Travel Insurance for Children

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

Keep Kids Safe in the Sun

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

Leaving Kids Alone

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

Picking the Right Room

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

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

Stick Close

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

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

Training is Everything

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

Know your Surroundings

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

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

Related : wireless routers Best Buy Cheap Laptops

Opting to not take out insurance is a risky gamble; you never know what is around the corner, choose not to insure your car for a few hundred pounds a year and you could face paying thousands of pounds on legal and medical fees along with any damages caused. Fail to take out travel insurance from as little as £10 and you could be stuck in hospital in another country looking at owing thousands of pounds in medical bills.

It is estimated that around 56% or British holiday makers do not take out cover when travelling abroad and nearly 75% do not check the small print when they do take travel insurance out. The insurance companies will try everything they can to avoid paying out any premiums as they set to lose out thousands if a successful claim is made.

By checking the small print on your policy, you can ensure all your details are correct and no wrong information has been submitted. Any problems on the form and you could have your whole policy made void and have any claim rejected.

Many travellers think that they have adequate insurance if they have it as an add on with their credit card or other product it may come with but the cover you have on this type of insurance may be very limited.

You can book online to ensure you get the cheapest price, you can also compare all deals you want so you get the cheapest and most relevant deal for you.

Recommend : Buy LCD Monitor Best Review Blog Online Optoma Projector

When you're heading off on your holidays it's important to check that you've got everything.

Alongside the clothes, toys for the kids and the all important sun cream, there's also the paperwork to take care of.

Before you travel it's important to ensure you have some form of cover in case anything should happen to yourself or your family whilst abroad.

As well as arranging some travel insurance, you may need other paperwork depending on where you are holidaying to, as well as covering yourself for any additional activities you want to participate in - including winter sports.

If you're travelling from the UK to European destinations it can be worth your while to take out a European Health Insurance Card (EHIC)

This handy little card replaced the old E111 form system at the beginning of 2006. The card entitles holidaymakers to reduced costs should they require medical assistance if something should happen on their trips.

However, the card itself is not a substitute for holiday insurance, and many fall into the trap of believing that the EHIC card will be all they need for when they go on holiday to Europe.

The EHIC card is valid for three to five years and can be useful for expatriates as well as holidaymakers, although it might not cover all types of treatment - so you may find yourself having to pay a small contribution to your medical treatment.

Should you require medical treatment whilst holidaying in Europe, taking out an EHIC before you travel could help reduce the cost of your treatment.

As for the treatment itself, you're likely to receive treatment at a state-provided level, which might not be quite what you are used to on the NHS. Some countries may also charge for some treatments which you may be used to getting free of charge back home on the NHS.

Combined with a travel insurance policy, this handy little card can provide holidaymakers with peace of mind from a financial point of view.

Recommend : Dlp Projector

Taking a holiday sometimes involves months of saving and the last thing anybody wants is to go off on that holiday and then have disaster strike. It only takes a fraction of a second to ruin a perfectly good holiday and leave people stranded and often in more debt than they were before.

What If You Have To Cancel?

Trip Cancellation Insurance covers the traveler in the event that a holiday has to be cancelled because of sickness, a death in the family or other dire circumstance. Usually these dire circumstances will be listed in the policy that is purchased.

It also reimburses a traveler if the company through whom they booked their trip goes out of business. It's a little bit amazing how often that can happen.

Be informed: Cancellation insurance is different from the cancellation waiver that some travel agencies will offer. A conscientious traveler knows the difference.

Looking After Your Property On Holiday

Personal Effects Coverage is holiday insurance that covers a traveler in the event that their baggage is lost, stolen or damaged in the course of the trip. Unfortunately this type of holiday insurance coverage is expensive, so the traveler should check with the airline (if they are using one) to see what kind of insurance they offer in the event of the same occurrence.

Emergency Medical Assistance is for covering travelers who end up having to spend time in a foreign hospital or in need of emergency medical care while on holiday.

Nobody wants to get sick on vacation, but becoming ill while in a foreign land is incredibly costly not just because of the medical care that might be required but because some airlines require extra seats to be purchased for the seriously ill so that medical professionals can travel with them (in case an emergency occurs while in transit).

Making Sure You Can Really Relax On Holiday

Most people don't want to think of all of the ghastly things that can go wrong while they are on vacation. They only want to think of relaxing on a beach or hiking a mountain or fabulous shopping and the tons of fun they will have while taking a break to rejuvenate their spirits. Unfortunately the unexpected can happen and it wouldn't be good for the joyful traveler to be caught unaware and unsure of what to do in the event that it does.

Holiday insurance can cover travelers in the event that they aren't able to go on their trip, if their belongings get lost or stolen or if they find themselves in need of medical care in a foreign country.

Related : dvd player sale Receiver Sale

There are many times when people find that they suddenly want to get away from it all. Sometimes this desire will come because of a frustrating few weeks at work. At other times this sensation will be brought about by a sudden realization that there is a special discount on a holiday travel package they have wanted to take for a while. Unfortunately, this desire is a sudden one and a great deal of the time an individual will be strapped for cash even if they are normally able to afford such a trip after their next pay period. There is a solution for individual's that wish to take a quick holiday trip for relaxation and enjoyment. This solution is known as a payday or cash advance loan.

Payday loans are a specific type of personal loan that is offered to individuals on a very short term basis. Typically the loan will come due upon the next pay period of the individual. Originally this type of loan was granted only after the borrower wrote out a check as collateral on the loan. When the time came for the loan to be repaid the lender would deposit the check into their own bank account. This made it quite easy for either the borrower or the lender to scam their lending partner. In the modern world, however, the entire process is much quicker and almost entirely automated.

A loan of this type can be used to finance a quick holiday trip. The trip could be a family outing such as a trip to the seashore, or to a nearby resort. Perhaps the family wants to go camping, or an over worked singleton wants to spend some time soaking up the local color and social life in another city for a few days. The reasons and type of holiday an individual is interested in will be as wildly varied as the ones going on the trip are.

A loan based on the individual's next pay period can make it happen very quickly. In many instances waiting for an hour or two after applying will be all it takes for the borrower to receive money into their bank account. Once the money is in hand the individual can have their holiday and pay for it later.

Receiving payday loans of this type is quite easy as well. Generally all an individual needs to do is have a steady source of income and a bank account in good standing. These types of lenders want to lend to people. There is little if any fuss or bother. Bad credit is also a non-issue for most of these lenders.

My Links : Men Watches 50 inch LCD TV Lowprice

Travel insurance is a very useful for travelers to have when taking off overseas for a holiday or a business trip. Plans or policies will usually consist of various coverage features which may include trip cancellation protection, cover for lost or stolen luggage, medical expense protection and loss of and public liability. There is no doubt that all of these coverage items can be beneficial, but one particularly important feature is trip cancellation coverage as this protects the investment made on the trip if you are later unable to go on it. This type of cover can come in handy irrespective of whether you travel frequently or a couple of times per year. When choosing looking at trip cancellation cover, there are a few things to be on the lookout for in order to choose the best plan.

Total Amount of Trip Cancellation Coverage

When reviewing the travel insurance offers from different insurers, take note of the total amount of trip cancellation coverage available with each plan. Some plans will cover the entire investment whereas others will only cover up to a certain dollar amount. This is an extremely important factor to consider as the payout will make a world of difference should one need to use their coverage due to cancellation of a trip. You wont want to get back part of what you spent on the trip you will want to get it all back. Not only should you get a verbal explanation of the trip cancellation coverage amount but also ensure that the specific amount is in writing when you sign the policy documents.

Deductible Amounts

Some travel insurance plans will also have an excess or deductible amount attached to the trip cancellation coverage. The deductible amount can range from $50 right up to $300 or more which may make it not worthwhile making a claim at all. The amount will vary from policy to policy therefore it is important to take note of the deductible which will have to be paid before the insurance company pays anything. Keep in mind that not all insurers will require a deductible so it can be worth trying to find a policy where there isn't a deductible amount at all.

Items Which Are Covered

It is also wise to ask what exactly will be covered should your travel plans fail to go through. Some travel insurance policies will cover everything from airline tickets to accommodation and tours booked whereas others will only cover the flights. Take note of what exactly is covered under this portion of the policy and inquire with the insurance company representative if any questions exist at all. Again, make sure that the inclusions are specifically stated within the travel insurance policy so that there will be no problems if you do end up needing to make a claim.

Thanks To : 32 inch LCD TV

Scuba diving offers the chance to get up close and personal with many species of marine life. Many of the dive sites around the world attract tourists from all over, eager to explore the crystal clear waters, the coral reefs and the rich variety of life that calls it home.

Many enthusiasts choose to book their excursions through specialist holiday companies, and there are a wide range of resorts that offer boat trips and scuba excursions around the world.

Finding a dive site that suits your experience level is relatively easy, with most dive sites offering lessons for beginners, as well as different types of excursion - which are usually calculated by depth - for the more experienced diver. Everything from reef trips to exploring shipwrecks is available for the budding dive enthusiast, in resorts stretching from Southern California to Sharm El Sheikh.

For beginners, it can be worth taking a short course in order to get yourself acclimatised to the equipment and also the environment. If you are new to scuba diving, it can be worth taking out some travel insurance before you embark on a scuba trip.

There are insurance policies available that cater specifically to scuba and snorkelling trips. Scuba insurance can help to cover not only the cost of any equipment you might be taking with you, but also against more general traits - such as cancellations, travel delay and any medical costs you may incur as a result of an accident.

Scuba excursions can be a rewarding experience, but as with any extreme sport there is an element of danger involved, and having some holiday insurance in place before you travel is worth it if you want to make the most of your trip and put your mind at ease for when you take the plunge.

Thanks To : Buy Routers

As we grow older, many over the age of 65 enjoy extensive travel. In your golden years, you deserve to be able to travel to places you have never been, or visit those you enjoyed most in the past. Age Concern travel insurance may be the solution you need so that you can travel the world without added worries or stress. It often becomes hard to find travel insurance as you age, due to several factors such as medical conditions. Age Concern travel insurance takes a different approach to those of a certain age who want to travel the world.

Many insurance companies will not cover a pre-existing medical condition when you travel. Age Concern travel insurance will cover pre-existing conditions for those who qualify, and determining whether you qualify can be accomplished by answering a few questions. There are no upper age limit levels as there are with many travel insurance companies. Unfortunately, today many companies seem to view insurance as a luxury, when it is in reality a necessity for anyone who desires to travel either in their own country or to a foreign country.

Age concern travel insurance offers exceptional coverage for those aged 65 and older who enjoy traveling. While anyone wants to enjoy a trip to the fullest, things can and do happen. What if you were to be in an auto accident while you are in a foreign country? You may need to be hospitalized, which would bring up a whole new dilemma. All too often, people do not realize the jeopardy they put themselves in by traveling without purchasing insurance. Your bags may get lost or stolen, your trip may be canceled for unforeseen reasons, or an emergency may cause your trip to be cut short. It is a good idea to be prepared for anything when you decide to take off on holiday or a trip to Europe!

Many individuals are extremely active, even as they approach their golden years. Boating, skiing, and other activities do put you at greater risk of being injured, but life is not meant to be approached in an overly-cautious manner. If you are planning a trip that includes sports or activities that may be considered risky, many insurance companies will not cover you in the event that you are injured while participating in these types of activities. Be prepared for your trip by knowing what activities you will be engaging in, and whether you are covered if anything should happen.

Age Concern travel insurance was conceived over two decades ago, when it was apparent that people of a certain age were getting the short end of the stick when it came to travel insurance. Because everyone ages, you should not have to be stifled within boundaries concerning your enjoyment in life and things you want to experience. One of the most enjoyable things in life as you grown older is experiencing new places and new adventures. Age Concern allows you to travel and enjoy life, without the worries of what may happen or if you will be covered.

Always remember, this is not medical insurance. If an unexpected emergency does arise while you are traveling abroad, Age Concern travel insurance will cover emergency expenses, but not the usual expenses such as tests and medications that medical insurance provides.

For a worry-free trip you will remember for years to come, make sure you are equipped with the facts. It's always better to be safe than sorry, especially when you are visiting a strange country. Age Concern travel insurance takes care of many of those items you worry about, but other companies seem to disregard. Plan well in advance, learn more about what Age Concern travel insurance has to offer, and enjoy your travels no matter how far the fun and excitement takes you!

Thanks To : Buy External Hard Drive

Being involved in an accident abroad can be very traumatic. Not only is there the usual potential for injury and stress connected with accidents, there is also the added disorientation of being in a foreign country, where there may be significant language and cultural barriers to overcome.

It is advisable, therefore, to be well prepared for the possibility of being in an accident when on holiday, and to understand your rights when it comes to making an accident claim in another country. Here are the top 5 tips for making an accident claim in a foreign country.

1. The laws may be different

Remember that accident claims abroad will be governed by the laws of the country you are in, and that there may not be the same provisions as you would expect in the UK. For example, the solicitor's fees may not be recoverable as they are with the no win no fee system here. However, there are a number of bodies in the UK which could help you.

2. There are UK organisations to support you

Despite the fact you will be subject to different laws abroad, there are regulatory bodies designed to help holiday accident victims make accident claims in the UK. For example, the 1992 Package Travel, Package Holiday and Package Tour Regulation helps people who were injured abroad make UK based accident claims.

3. There are special organisations for car accident claims

If you are injured in a car accident, there are also regulatory bodies which may help you. The 4th EU Motor Directive 2003, which helps drivers involved in car accidents on holiday make accident claims - the directive ensures that cars from all over Europe can be identified on the same database. And, if there is trouble identifying the foreign insurance company, the Motor Insurers Bureau provides a means to make an accident claim.

4. Certain people will have a duty of care towards you

While you are on holiday, there are a number of people who may be responsible for your personal health and safety at any one time. These people will range from hotel staff to holiday tour operators and potentially representatives from any other company you come into contact with on your holiday. If they fail in their duty of care towards you and you are injured as a result, you may be entitled to make a claim.

5. There are many potential risks

While you're on holiday, it's sometimes tempting to let go of inhibitions and do things which you wouldn't normally do but which could pose a risk to your health and safety, and there are therefore a large number of ways in which you might find yourself involved in an accident. Accident claims can arise from injuries on boats, planes, cars or at the seaside, for example. Some of the most common types of accident abroad are slips and trips on wet or uneven flooring, injuries on foreign transport or on a day trip, food poisoning, rental car accidents, watersports accidents and skiing accidents.

Tags : Nuvi 1390T GPS

If you are planning your trip to Canada or any other overseas location, then you are probably more occupied with planning your activities and hotels than thinking about your travel insurance. Chances are that you will not need to have international travel medical insurance, but if something does go wrong the small investment in your health can save you a lot of problems.

It is a no brainier to take out the insurance, but you might find it confusing knowing which company to go with. In order to choose insurance that is right for you, you will need to do some research. There are some existing policies that you may have that include travel insurance and some credit card companies also have this service.

When you have worked out the current level of coverage that you have, you will have to start looking at the different travel insurance options that are out there and start comparing what they have to offer. There are various types of travel insurance and most of them base the premiums either on the length of the trip or a fraction of the total price of the trip.

Basically there are four types of international travel medical insurance: short term or single trip coverage policies, long term or multiple stop trips of up to 12 months, expatriate covers people living overseas and foreign national covers people that are resident of the United States, but not citizens.

The complicated bit about choosing the right travel insurance for your Canadian vacation or other overseas journey is comparing what type of incidents are covered with the policy. There is a great degree of variability between what is covered with different policies as well as the amounts that you are covered for.

There may be some policies that charge more for some featured inclusions that are not relevant to you, so it may be possible to save money with a less comprehensive policy. Some of the elements that may be included in travel medical insurance are: emergency medical care, emergency dental care, medical removal from the country to the nearest appropriate facility, trip cancellation and delay, lost luggage that may pay out for lost items up to a set limit.

There do tend to be some exclusions with medical travel insurance that you may need to be aware of. The more common ones are - prior medical conditions, pregnancy, adventure sports such as diving and mountain climbing, self caused injury or mental illness.

Before you settle on the international travel medical insurance coverage that you are going to take out, there are a couple of factors which will affect which insurance policy is the right one for you. You need to consider - the length of your trip, your destination, participation in high-risk sports, your general health. Always check up on the fine details and be clear about what you have covered and how to go about making a claim. Travel insurance can make all the difference between a stress free holiday and a disastrous one.

Friends Link : Review Shopping Low Price Buy Routers

There is quite no joy like going to foreign locations and learning more about the different places and cultures about what they have to offer and how they can be of benefit for you. Many people are ardent fans of travelling and are willing to go far and wide to learn more about the different places and what they have to offer.

While there is no problem with doing as such, you would nevertheless want to be safe and be protected from any kind of risks that might arise due to these trips. Having suitable insurance policies is definitely a first step.

Travel Insurance Policy

This policy covers the costs incurred due to an illness or other kinds of medical emergencies. Since you might not know about the local rules and customs, you would want to be prepared in case something untoward were to happen and be sure that you are in good hand.

After all, taking care of one's health is the least that they can do, and without apt insurance, this can be quite a challenging thing on its own. You would want to avoid this and hence, have insurance prior to reaching your destination. In this way, you are covered right from the moment you step foot at your destination.

There are other things about the travel insurance policy that makes it worthy of looking into. Since coverage amounts and deductibles can be varied, the cost of the insurance is entirely dependent on what you think is an apt amount that you ought to carry.

Think about the different factors carefully and once you are completely sure about it, you should go in for a certain kind of coverage. Don't rush into anything prematurely, as this will only end up costing you quite a bit. You would want to avoid this and get coverage early on.

Trip cancellation policy

This international travel insurance kicks in to help compensate for journeys that never really took place. It is quite an effective one and you can be assured that you will get your money back if you do change your mind later on.

As one can never really foresee the future, it is a practical thing to have coverage and be prepared for any problem that might arise later on. Trips get cancelled more frequently than you think, and no matter how thorough you are with your planning, it is quite possible that you will have to be protected when it comes to these sorts of things.

The trip cancellation insurance also kicks in for trips that are forfeited for reasons that were out of your control. This might include bad weather or even some other similar problem from the operator's end. Hence, it is quite an important thing to have, and something that will surely hold you in good stead when you do postpone or cancel your trip for whatsoever reason.

An important criterion to keep in mind is that you should always play it safe, and not take on risks, especially if you are booking tickets to faraway locations that cost a lot of money.

Tags : LCD HDTV Reviews Buy Routers 40 inch LCD HDTV

Graduating high school is a milestone in life. Beginning college is another milestone to be proud of, but what if you want a little adventure before or even during college? Most people dream about traveling abroad to Europe at least once in their lives, and what better time to do it than right before college? Spring and summer break during college is also a perfect time to go backpacking across Europe. If roughing it and staying in hostels is not your idea of fun, there are always tour groups or even cruises throughout the European continent.

While out having a fantastic adventure, what happens if you fall and break a leg? What if you have a simple toothache that turns into something more? You can fly home, in agony, to be taken care of. You would end up in a local hospital, one that probably wouldn't take your American insurance information, because it wouldn't work there. What you need is European insurance for student travel, and it's important to research your options before you leave for the adventure.

Insurance in general is an expensive, necessary part of life. Having to pay for it and never using it is not fun, but how much worse would life be if you desperately needed it and didn't have it? You can find out about European insurance for student travel from local travel agents as well as from the Internet. Some things to look for in a plan are...

· Hospitalization
· Doctors Visits
· Prescription Medication
· Evaluation and Repatriation
· 24 hour Assistance Service

Insurance coverage can range anywhere from $100 to $1,000,000 with average deductibles ranging from $250-$500. You also have the flexibility of picking the term of the insurance. If you are only going to be gone for one month, there is a plan to fit your needs. There are longer and shorter plans and the premiums are determined by the length of time needed and by the insured's age. The older you are, the more you are going to pay, with prices continually increasing in proportion to age.

Now while broken limbs and bruised and cuts are more obvious injuries, especially if you decide to backpack across the continent, there are other things that can happen that must be taken into account. What if you loose your medication or have a simple virus that turns nasty? Make sure that your insurance covers more than just a few minor things. Your European insurance for student travel should also cover...

· Mental Health
· Terrorism
· Maternity
· Dental/ Eye Care
· Accidental Death and Dismemberment

No one wants to think about something bad happening while on vacation, but a smart person always hopes for the best and plans for the worst. Go and explore the world around you, and have the peace of mind in knowing that no matter what happens, you are covered.

Tags : Buy LCD HDTV Sale DLP Projector LCD HDTV Price

Planning a holiday or a visit to another country is always lots of fun. There is so much to look forward to and so many things to anticipate. An important part of planning your trip is making sure you get the bookings done right; you have your travel papers in place, the money sorted out and your tickets. What most people tend to forget is that in addition to all this it is also important to get your visitor insurance sorted out.

When you travel to a new place, you need to always be on the safer side with regard to your health care and your needs for staying well. You do not know what sort of circumstances you will encounter and how much it will cost you to get medical care. Visitor's health insurance is important in order to make sure that you do not end up having to pay a huge sum in medical expenses should the need arise. It is of utmost importance particularly for people who are on prescription drugs regularly and need a lot of support for their medical and other expenses.

If you are someone who needs medical attention or have a condition that requires regular treatment, it would be a wise move to have a visitor health insurance to cover your needs. When you look at the insurance policy, do take care to look at the various policies available in the market and have a comparison done online or look at quotes so you know which one will fit your needs best. You must also carefully read through your documents so you know what sort of coverage you are getting.

Whether you are a young student traveler or an elderly couple, visitor insurance is vital for your safety and well being. Visitor's insurance can also be auto insurance, if you are driving into a new place. You must make sure that your auto insurance will cover any health concerns you may encounter and will help you save on the higher expenditure incurred in getting things fixed in that country. The premiums on visitor insurance will of course vary based on which country you are going into and your personal particulars.

For someone who has a clean medical history there may be lesser premium required as opposed to someone with a long history of illness and requiring medical attention. In any case visitor insurance makes sure that your needs are met with and your health is taken care of. When you apply for a visitor health insurance do check to see what all is covered under it, is your prescription drug covered, do you also receive coverage in the event of any tests having to be done or a consultation.

Check all particulars so you know beforehand what deal s are being offered as part of the policy. Make sure that you have a hospital close to where you are staying that is covered under your policy for any expenses you may have to deal with medically.

Related : Buy LCD Monitor Nuvi 1390T GPS The Lost Symbol

When you lead to a car accident, third-party go over protects you against liability with men and women and their home. You possibly can also get a full comprehensive insurance, this pays out for repairs for your auto when you bring about a car accident too as for theft and fire damage. There is certainly also an in between policy - third-party fire and theft - covering you for liability with persons and their house, of course, if your own personal auto is stolen or damaged by fire.

It really is an offence to drive a auto without the need of third-party go over. Motor insurance might be high-priced, but you'll find methods of cutting the expense as opposed to the go over. Premiums are calculated according for your age and driving experience, occupation, and in your area - there is certainly little you'll be able to do about these. But you'll be able to pick a auto using a low insurance group rating; guarantee a burglar is fitted; travel fewer miles; and keep it in a garage.

You'll be able to also get a discount on your own personal premiums in the event you make up a no-claims record - commonly around 30 per cent for one claim-free year to 60 per cent after four or five years. Discounts differ between insurers, so shop around for the ideal deal. Some insurers offer you a protected discount policy to drivers using a very good claims record. For an additional premium, you possibly can typically make two claims in a three- to five-year period without the need of affecting your own personal discount.

Travelling under Go over

It is worth purchasing travel go over just before going on holiday. You could possibly be intending to rely on the E111 form, which gives UK residents cost-free or discounted medical treatment in one more European country if it has signed a reciprocal agreement for well being services. On the other hand, it does not go over quite a few countries, including the US, and few EU countries pay the full expense of reciprocal well being care.

What's additional, the E111 does not go over loss of luggage, funds, or passport, or expenses caused by flight delays. With travel insurance, you get recompense if your own personal trip is cancelled or curtailed for justifications beyond your own personal control or you could have to be repatriated (flown back) to the UK.

You possibly can take out an annual policy or single-trip policy every single time you travel. The former is cheaper when you make at least two trips a year. You'll be able to purchase go over from travel agents or tour operators, but can get a far better deal via a broker. Insurers, retailers, banks, and building societies all offer you travel go over, so it is a competitive markets.

Guarantee you could have enough go over. If you happen to be participating in winter sports or bungee jumping, ensure your own personal policy covers you just before you go. It really is typically worth having additional go over than you require if there's a chance you may possibly undertake a dangerous sport or activity: It could be challenging or impossible to extend your own personal go over once you happen to be abroad.

My Links : Pet Supplies 42 inch LCD TV Best Buy Sandals on Sale

When you're booking an overseas holiday, travel insurance isn't always the uppermost thing on your mind - especially if you're heading to somewhere relatively close by.

But be warned - the cost of failing to take out adequate protection against issues such as lost luggage and medical treatment can be huge, with breaks to some countries resulting in bills of tens of thousands of pounds if you happen to injure yourself or fall ill.

Making sure to always take out the right travel insurance policy before you set off for your overseas break can help guard against such huge expenses.

Lost luggage

Losing your luggage can be stressful - more so if it wasn't your fault.

The Foreign & Commonwealth Office recommends taking out travel insurance rather than relying on airline compensation if your carrier loses your bags and suitcases in transit.

Airlines are required by law to pay a specific minimum amount per kilo of lost luggage to the traveller affected, which is likely to be far less than the actual worth of the belongings that have been mislaid.

Medical expenses

Medical bills can be huge in pretty much any foreign country if you haven't taken out the right travel insurance.

Figures from FirstAssist Services indicate that the cost of flying back to the UK with a doctor escort from Australia in the event of injuring yourself or becoming ill can be between £15,000 and £20,000.

If you need to head back home from the Canary Islands, this can cost up to £16,000, while those doing so from the east coast of the US will be required to pay between £35,000 and £45,000 if they do not have travel insurance.

What else?

Holiday insurance can cover a number of other issues when heading abroad.

For example, you can get policies that offer protection for personal liability if you are sued for damaging property or causing injury, as well as those offering cover for lost and stolen possessions and needing to cancel or curtail your break.

Make sure to check the fine print of your policy and talk to your insurer to check it covers everything you might need on your next trip abroad.

Recommend : 22 inch LCD TV Optoma Projector

When renting holiday apartments in Spain long stay in Torrevieja, the length of stay usually affects the price. Generally the price is less the longer the rental period. When you book direct with the proprietor an apartment to rent in Torrevieja Spain is a very reasonably priced option as opposed to staying in a hotel. You need to be careful where you look for a villa for hire in Spain in the low season as many restaurants, shops and bars close down in the winter.  Torrevieja is a good choice for a long let as all of the creature comforts are available all year round in this well-liked resort.

Torrevieja can be found about 50 km south of Alicante and is on the Costa Blanca in Spain. It was originally a fishing village but over the years it has expanded in size chiefly due to the amount of people relocating to Torrevieja from northern Europe or purchasing holiday villas and apartments in the town. In Torrevieja there are many people with a villa for hire in Spain who let their property out when they are not using it especially in the low season. Therefore tourists looking for holiday apartments in Spain long stay are forsaking the customary package holidays offered by travel agents and are now finding that they can save money by booking their own accommodation and flights.

Rental of holiday apartments in Spain long stay in towns like Torrevieja is popular in the low season with people who are trying out an area with a view to moving there permanently. It makes sense to experience the town in the low season as well as the livelier high season. Sometimes resorts can be quite different in the winter months. An apartment to rent in Torrevieja Spain for a few weeks, allows you get a taste of the area at different times of the year.

Apart from people who are thinking of moving permanently to Spain, many older people have the time and inclination to rent holiday apartments in Spain long stay. This can be a cost-effective and pleasant way to avoid a gloomy winter in the UK. If you wish to find a villa for hire in Spain in the low season you will probably find that private villa owners are prepared to rent out their properties at cut-price rates at this time of the year. You can search on the internet for a site which will allow you to book an apartment to rent in Torrevieja Spain direct from the owner.

If you are considering renting holiday apartments in Spain long stay in Torrevieja there are a few things you need to sort out before you go. Make sure that you inform the neighbours so that they can keep an eye on your property and get a relative or friend to tidy-up the post, free newspapers etc. Remember to check with your insurance company that your house is still covered by your policy if you are away for more than a month.

Last but not least, when you have booked your holiday apartments in Spain long stay rental, don't forget to buy travel insurance that covers you while you are on holiday. If you already have an annual policy it will probably not cover you for a trip of more than one month. Also don't forget your European Health Insurance Card which gives you the right to basic medical treatment in Spain.

Thanks To : Buy iPAD

As the cliche goes -- "Life's journey; not a destination." -- one may ask, why life is often has to be associated with travel. Journey and destination? The things I can additionally think about were vacations, holidays, travels, and cruises.

The cliche refers to life as something that has to be enriched with experiences, and nothing can provide more rewarding encounters than traveling the world, see places, and experience diverse cultures. With all the stress that man's necessities can present, it is definitely a luxury and a pleasure to travel to Caribbean beaches, bask under the tropical sun, and observe beautiful people.

Traveling is oftentimes an activity that we have to wait for until retirement. It is common to see people in their senior age strolling around destination beaches or taking cruises. These retirees owe themselves the world and the wonderful experience of traveling. After all, they had been working for so long and now, they deserve everything traveling and vacationing has to furnish.

The only downside to senior travel is obviously, being a senior citizen. You are not as strong as you were. A weak back, an easily fatigued system, and joint pains plague your once virile and resistant body. Taking medicines has already become a ritual. You need them on a regular basis to maintain your well-being and vigor. There are also risks that you may have one of your "attacks" -- whatever they are.

Sure old age has its downsides. But will these things prevent you from having the time of your life? No. Why? Because you want to travel, you want to feel the joys of celebrating life. You have been life's slave all this time and now is your chance to make life do your bidding by traveling the world and enjoying it.

If you are worried about your health condition or fragile state, ease your anxieties with travel insurance. If you haven't availed one before, this is perhaps the perfect time as you need medical attention more than ever. And if by any chance you had used any type of travel insurance policy when you were young, you may already know the advantages of having them.

There is a special type of travel insurance for individuals aged 65 and above and it's called senior travel insurance. It is tailored for the senior citizen's general worries, aches, and pains.

Before taking the plunge secure yourself with insurance but be always wary of the terms and the things they cover. You can ask for assistance from trusted people like your family and (younger) friends. Once you have your insurance worked out, pack your bags, have the global trip of your life and never look back!

Related : Best Buy 24 inch LCD Monitor Ojon Hair Products

Finding the right travel insurance for your own personal needs is hard, and is only made harder when you are over 65 years old. Most insurance companies are less willing to insure senior citizens, and insurance is no different. Their reluctance stems from the assumption that those aged over 65 are more likely to accidents while travelling. This leads not just to having to search longer and more extensively for a willing insurer, but also having to pay as much as three times or more than a younger person.

Even with such opposition there is plenty of hope. Some travel insurance companies pride themselves on insuring large amounts of travelling senior citizens. There are plenty of insurers willing to produce a wide variety of polices for you to choose from. You could find a great bargain if you take the time to look around and follow these five very important tips.

1. Buy travel insurance directly from the insurer. Do not waste time with a travel agent or tour operator. These organizations will be more than willing to arrange you with a policy, but usually it is not the best option for your needs, and they tend not to be competitively priced. Always talk directly with the travel insurance provider. This cuts out the middle man in the deal, meaning you save money and time better spent elsewhere.

2. Watch for the hidden policy options that insurers try to sneak in! If you take the time to scrupulously review your policy you can throw out the coverage you could not possibly need, such as extreme sports. Do you really need deep sea diving coverage, if you have no likelihood of ever attempting it?

3. Do not waste money on multi-trip insurance. Most travelers over the age of 65 romantically waste money on 2 or more years of travel insurance, when they only travel once in that time period. Find a policy that is better fit to your personal needs and your wallet.

4. Do not be forced into the fallacy of signing the first insurance company you run across. Always compare quotes, and maybe even mention to the insurance company the price that their competitor quoted you. Be stingy with your patronage, you deserve the absolute best quality service.

5. Lastly, be wholly honest. Especially when talking directly to the insurance company, you will eventually have to prove everything that you say, so honesty is the best policy. When you add duplicity when conversing with your travel insurance company it will do one of two things. Either they will completely deny you that great deal you had bargained for, or, they will turn this falsehood into an advantage against you, demanding a higher quote from you. Your goal is to get the lowest priced, yet perfectly tailored quote you can, deception is only counterproductive to this goal.

The internet is an excellent source for researching insurance companies and acquiring quick and easy quotes. However, the best bargains are usually acquired by actually talking to a sales representative over the phone. Sales representatives are trained to give you the best experience possible, and with enough prudence you can reach the best deals through them. Whatever you do, do not lose hope in your search, you will absolutely find the travel insurance you are looking for.

See Also : wireless routers 32 inch LCD TV Buy LCD Monitor

During travel, travelers face lot of risks like, trip cancellation, loss of baggage, loss of money or valuables, accidents, terrorist attacks, natural calamities and occasionally death. One cannot put a stop to travel because of the risks involved but what an individual can do is to reduce the amount of risk involved by buying a travelers insurance.

The concept of travel insurance is very simple. The insured pays a premium (this is the amount you pay to the travel insurance company), the company in turn pays any costs involved in case of accidents or other types of eventualities. In case there is no eventuality the travel insurance company keeps the premium.

Travel insurance covers lots of risks like:

Trip cancellation: There are lots of chances, due to unforeseen circumstances, you may need to cancel your ticket. If you cancel your ticket at the last moment, almost always you will not get any refund from the airline or you may get a meager amount. Travel insurance provides coverage for this kind of loss. The travel insurance company has to provide the cost of cancellation of ticket. However the cancellation has to be done in circumstances which are covered by the travel insurance policy.

Baggage loss: if your baggage is lost, then the cost of the baggage is paid by the insurance company, but is again governed by the rules of the insurance contract.

Medical cost: if you fall sick during travel and the costs incurred by you are paid by the travel insurance. However if you have bought a health insurance which covers overseas cost then there is no need to separately buy a travel health insurance.

Others: Other things that are generally covered by travel insurance are medical evacuation, accidental death, repatriation of remains etc.

The golden rule in all insurances is to read the fine print carefully. You won't have time to read it during emergencies.

Related : Dog car seat Best Buy 24 inch LCD Monitor

Travel Accident Insurance Programs usually cater to those individuals who want some kind of insurance for themselves while traveling both inland as well as out of the country, to try and secure their financial risks in case of an accident or any untoward incident.

Travel medical insurance protects your health and covers most health risks while you are traveling. The coverage covers you 'Travel Medical' and' Evacuation' that insures you in case of an emergency during traveling. Short term plans to immediate ones, from even 5 days to a year and it generally covers accident, illness and emergencies.

Insurance provides accidental death and dismemberment for eligible individuals traveling on business and pleasure. One of course has to be eligible for insurance coverage. In case of business travel coverage, it is usually the company he/she is working for which acts as a guarantor for the individual.

Insurance coverage is always a matter of concern for most travelers.

All eligible individuals are covered for 24 hours a day, through out the world against accidental death and dismemberment. Most coverage spans start from the time an eligible person leaves his/her residence or work place or whichever is the place of origin of the travel.

The continuity of a trip apart from what has been specified will not be covered by the insurance. An insurance coverage does not include any loss, which occurs during that particular time period other than what has been specified. All travel procedures and conditions must be in accordance with what has already been agreed upon by both parties.

At times the travel accidental insurance does not cover certain activities, which might be designated as dangerous or hazardous by the insurance companies.

There are certain conditions under which the travel accident insurance does not cover, these being, both fatal and non-fatal incidents, incidents like suicide, attempt at self-destruction, and disease of any kind, bacterial infections except those which occur through accidents or wounds.

Most of the Travel Accident Insurance Plans pay according to the amount agreed upon to the beneficiary you have chosen for yourself. In case of an accidental death during traveling or unforeseen accidental circumstances, the sum will be paid to you or your benefactor depending on the circumstances.

After completing the insurance formalities and naming your beneficiary, you may change it whenever you want to with prior notice period. Usually accidental death reimbursements are normally compensated in a lump sum amount of cash.

Though if, your beneficiary chooses he or she may deposit the entire amount or fraction of the death benefit to any personal account established by the insurance carrier. Funds may be withdrawn as and when necessary by checks written against this account.

There are of course several benefits of an insurance coverage for travelers, more so if the nature of travel is unfamiliar or unknown. In such cases all hazards and inconveniences may be duly provided for by the insurance companies depending on the type of insurance coverage one has applied or opted for.

Tags : Best Buy 1TB External Hard Drive Toshiba 40-inch LCD HDTV Dog car seat

Many of us will take out travel insurance when going on holiday but do you know what to do when something goes wrong? Knowing upfront can save a lot of heartache down the track. Read the following tips so that you can be prepared.

Proof of ownership

Travel insurance companies will often refuse to pay for lost or stolen items unless that you can prove that you own them. The best way is with the original receipt. We might keep receipts for the expensive items but who has a receipt for every item you are taking away with you!

Now, travel insurance companies are not all evil and will cover you for general things like clothes, toiletries, and luggage but without proof of brand or value you'll often only get a fraction of the true replacement cost.

Digital cameras are cheap and most people will be taking them on holidays. So you should take a photo of everything that you are taking. Get the brand and style where possible. Detail all this in a spreadsheet as well. Scan all receipts, manuals, warranty cards, or tags. You can claim when you get home but I'd suggest emailing all the photos, scans and spreadsheet to a free email site like Gmail or Hotmail so you can claim while away if needed.

Replacement value

It has become common now for car or home and contents insurance to offer new for old replacement. This is generally not how travel insurance works. You'll usually be offered the value of the goods minus depreciation. This should mean that the money you are offered can buy a replacement item second hand. Some items hold their value really well and you actually won't be able to buy a replacement one for anywhere near the money the travel insurance company gives you. You should always lodge a complaint if this is the case. Provide proof of the true market value (e.g. from classifieds, second hand shops, or eBay). If the travel insurance company still refuses to cover the real cost then take it to the ombudsman.

Stolen goods and police reports

Travel insurance companies will generally not just take your word for it when something is stolen. They want some sort of proof. This is generally best in the form of a police report but can be a statement from the airline, cruise ship, etc if it happened there.

Police reports can be a tricky thing to obtain in some countries. You may be asked to pay a fee for this service. If the amount is small then just pay as it probably isn't worth the hassle. If it is larger then you may want to consult your guidebook or the internet to see if this is normal. If not then your embassy or consulate should be able to help. Some countries have special tourist police who are the best to approach in regards to this.

If you have trouble speaking the local language and the police can't understand you then you could try an online translation service (e.g. babelfish) or finding a local or fellow traveller who speaks English and take them along (a tip is generally appreciated).

Unattended luggage

A major area in which travel insurance will not cover you is when your bags are left unattended. This may seem like it would rarely happen as you normally don't leave your luggage just lying around but unattended is usually defined as being left in an unlocked environment or with someone you don't know. Common scenarios are left luggage at hotels or hostels, with doormen, or with tour companies.

My Links : 26 inch LCD TV Best Buy 1TB External Hard Drive

Everyone should know that travel insurance is a must when on holiday or vacation. Medical emergencies can cost up to $100,000 or more if an evacuation is required. Cancelled place, cruise or tour tickets can also be very expensive and sometimes there is nothing you can do it avoid it. Even theft of luggage can be costly now that more people travel with notebooks and mobile phones.

Sometimes you may not want to pay the cost of travel insurance. For long trips it may actually cost more for insurance than it does for airfares. This is especially true of backpacking holidays through places like Asia or Europe. Also backpackers may not have costly tours or luggage to be concerned about. The standard comprehensive level of holiday insurance is largely wasted on these people.

Many holiday insurance companies offer plans that accommodate the budget conscience and backpackers. These plans tend to cover general medical expenses such as hospital stays, doctor and surgical fees, dental costs, and medical evacuation. Sometimes these will also offer limited cover in other areas such as luggage, credit card and document replacement. It is up to you to decide if you want this as it will raise the premium.

In Australia some companies that offer budget and backpacker travel insurance are: iTrek Travel Insurance, Downunder Insurance, 1Cover Direct Insurance, Insure4Less, and Travel Insurance Direct. You should search for reviews to help determine the best policy for you.

Watch out for the excess. The standard excess tends to be $100 but some companies charge a higher excess to offer you lower premiums. It is usually best to avoid high excesses as it discourages claiming. However, this tends to not be a problem on budget holiday insurance as it really only covers costly medical expenses where the excess fee is only a fraction of what the bills would be.

Since each policy offers a different level of cover which its own terms and conditions it is wise to review the Product Disclosure Statement. This is mandatory in Australia and outlines all the conditions of the policy.

Tags : 26 inch LCD TV wireless routers Best Buy 24 inch LCD Monitor

If you are the student or the parent of a student who is taking a trip, it's essential to plan for everything. In some cases, unexpected closure of the travel agency or airline, or unexpected illness, can result in the cancellation of a trip. Deposits and payments already made on the trip could be lost if you don't have student travel insurance.

For trips that either cancelled, or interrupted due to unexpected circumstance, this insurance plan offers coverage for deposits and payments already made on the trip. Travel insurance typically covers emergency illness or injury of the student, death of a family member, or terrorist incidents, allowing the student to protect the financial investment of their trip.

Students with cheap insurance for travel are also protected if the company they made the arrangements with goes out of business and cannot refund the price of the trip. These types of plans often also provide additional coverage for lost or delayed baggage and stolen passports.

It's important to include student travel insurance along with basic travel insurance in your travel plans. Benefits for emergency care, including hospital stays, surgeries, and medically-necessary treatments are provided with this type of coverage. Students can also receive coverage for emergency medical evacuation to the nearest medical facility, provided they are at 120 miles away from their primary residence.

Student travel health insurance does not cover pre-existing conditions, injury from participation in extreme sports, or mental illness. Student insurance also does not provide coverage for routine medical and dental care.

Coverage for trip cancellation typically begins the day after the student has been enrolled in and submitted payment for a student travel insurance plan, while the remainder of the benefits are available on the day of departure. The coverage ends on the earliest of the following dates: if the trip is cancelled, the return date, or 30 consecutive days before departure for the return trip.

Additional coverage can be purchased with the student insurance travel plan for assistance with baggage loss, emergency travel arrangements and legal referrals. For students who are in an unfamiliar area and find themselves in an emergency situation, these extra benefits can be very helpful.

Related : Best HDTV Reviews Magellan Maestro GPS Buy Grills

Travel planning can be exhausting and cause anxiety days before the trip. Here are a few tips that can cover most of your needs and that will allow you to enjoy your trip.

The first thing your travel planning list includes is that you should consider the place you are visiting. If there is a passport required, make sure you and everyone that will join you in the trip have a valid passport. The same goes for a visa. The other thing related to the destination is that if the destination is an exotic place, you might need to have some medical preparation like injections for diseases. Now check your ticket and you have covered the first part of the list. Make sure to get all the information on the country you are visiting. You are safer if you have an understanding of the situation as a foreign country has many hidden dangers. You should be informed of the political situation, the way people act and react to foreigners, their culture and things you are not allowed to do. Some places have limitations that you wouldn't have thought of and can be very strange. If you are visiting a country that has a different religion, you have to be very well informed.

Travel planning requires some actual planning. Search for information on the place you are visiting and things that you can do while you are there. If you are going alone and you are on a business travel, you can still get some information on the sights that are around your area. Even if you won't have time to visit, you should know where you are passing from, or have an idea of the city's history. This will help you understand the architecture of the houses, the culture and the way people lead their lives. If you are travelling with your family, check for exciting things your children can do. Keep in mind that children are bored easily and are also going to be tired. They will be tired sooner that when they are at home as the whole environment is new and they might be nervous and feel insecure. So make sure you have this part covered by making a nice and adventurous program that has frequent stops. Children under the age of five might trouble you more and you should not forget their favorite toy. Keep talking to them to explain what is going on and don't change the habits you had at your house.

The last thing on your travel planning list is to get insurance. Travel insurance might seem expensive to you and many times unnecessary. However, the truth is that you cannot avoid this cost and you should also pay some attention to what is included. Many countries require visitors to have travel insurance before they enter the country. This insurance is basic. Check all of your options as health systems can vary significantly from your country and things you thought were easy might trouble you especially if you have your children along.

Recommend : Lenses Camera LCD HDTV Reviews LCD HDTV Price

Summer is here and it is time to take the family off on holidays. Depending on what you want to do, this is still the time for families to bond together through travel and tour. More often than not, taking a road trip within your country is a great activity to do with everyone doing their bit. Here are some things that the family can help out before taking that summer vacation:

- Plan with the family where you want to go. Have a family meeting a few months before the holiday season starts and brainstorm on what you all would want to do as a family. Especially if you have teenagers with you, get them involved with the preparation. That way you let them know that you value their opinion and input on this trip. Make it known to them that they will have responsibilities as well in this trip. If you have a son or daughter that does drive, plan to share the driving duties with them. If you have pre teens, then ask them what kind of vacation do they want to have? Do they want to go to the seaside or the mountains or do both? Doing this will also teach them how to negotiate and compromise. It is a good life lesson for them to learn when they are involved in the planning process.

- Make sure that the vehicle is road worthy. If you plan to go to a particular place, go online and search for auto repair shops and air con repair centres in that place or better yet, assign one of your children this task. Make sure that your child does write it down just in case something happens. More often than not, there may be a need to add HCFC gas to your compressor. HCFC is the environmentally gas that has replaced Freon, which is used to make the air conditioned cool. This can be done in an air con repair shop and should not be too expensive. Also check the tires to see if they are roadworthy for travel. If they are too worn, replace them right away. Check your odometer to see if you need to replace motor oil. A good rule of thumb is to replace motor oil every 5000 kilometres. Check to see if the level of brake fluid is enough for the journey. Also check if you need to replace the transmission fluid. If it has lost its viscosity, then there will be some difficulty in the gear shifting which you will notice, especially with automatic cars. Have the automatic transmission fluid changed. Lastly check to see if your car registration and insurance is up to date. Getting your vehicle prepared leads to a vacation less filled with car break downs.

Tags : Buy External Hard Drive Garmin nuvi 1690 Best Buy 1TB External Hard Drive

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

Get Travel Insurance for Children

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

Keep Kids Safe in the Sun

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

Leaving Kids Alone

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

Picking the Right Room

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

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

Stick Close

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

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

Training is Everything

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

Know your Surroundings

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

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

Recommend : Review Shopping Low Price Discount Speaker

What would happen if you arrived at your bougainvillea-covered holiday villa in France and found that a family emergency meant you had to drop everything and return home immediately? Suppose you arrived in Malaga to find that your luggage was lost? What if you loaded the family into the car and took them on the ferry to France and were involved in a bad car accident resulting in serious injuries? What if things were much, much worse... and there were fatalities? Which would you prefer to have - the EHIC or private travel insurance?

You may be surprised to learn that the European Health Insurance Card (EPIC) would not be of much help in any of the above scenarios. It would not cover costs involved in cancellation or curtailment of your trip. It would not cover for your lost luggage. As long as it was a participating country, it would cover some or all of your medical treatment at a state hospital (but not a private one). It would not cover repatriation costs. It also would not cover repatriating the body of you or a loved one in the event that your luck had run out! These unexpected costs would be your problem!

All of the above are typical of the coverage you could expect from a good travel insurance policy. The EHIC has other limitations: For instance, it might not provide coverage for many of the treatments you are used to getting for free on the NHS. This is where your travel insurance policy would kick in - to cover those extra costs (subject to the terms and conditions of your particular policy).

The EHIC basically entitles you to free, or lower cost necessary treatment in participating countries. At the time of writing these are: Switzerland and the EEA (European Economic Area). To clarify, the EEA is comprised of all EU (European Union) countries plus Norway, Liechtenstein and Iceland. Switzerland has a separate agreement with EU. For up-to-date information about the countries you plan to visit and to see whether the EHIC is valid you should check with the Department of Health.

Do you have an old E111 stashed away in your document drawer? If so, you'll need to discard it and apply for the new EHIC. The E111 was phased out in early 2006. The new EHIC is provided free by the Department of Health and the NHS Prescription Pricing Authority. Unfortunately, it means you'll have yet another plastic card to put in your wallet along with all the credit and debit cards, loyalty cards and your plastic drivers license. The card is normally valid for three to five years. It is not automatically available to any UK resident, so if in doubt you'll need to check for eligibility. The card contains personal information such as your name, birth date and National Insurance number.

Many major touristy areas in Europe have private hospitals in the immediate vicinity and if you end up there your EHIC would be of no use. If you're taken to a state hospital the EHIC should cover for any necessary medical treatment due to accident or illness during your trip. Should you be injured or unconscious you would not have any opportunity to choose where you are taken!

Note that neither your EHIC nor your private travel insurance will provide cover if you travel abroad with the intention of obtaining medical treatment - perhaps to jump the NHS queue in the UK. However, there may be exceptions, or the EHIC rules may change for certain conditions, so check with your GP or the Department of Health for updates.

There are other countries and territories around the world which have reciprocal agreements with the UK for state-provided healthcare. How do you get an EHIC? Application forms are available at the post office or online. Note that it is your responsibility to check the accuracy of the information on your card after you receive it. If you need to use it in an emergency and the information is different to that on your passport it could cause problems or even refusal of treatment.

Once you have that shiny new EHIC it can be tempting to think you're off the hook as far as purchasing travel insurance. However, the bottom line is that the EHIC should never be used as a substitute for purchasing a travel insurance policy. If you don't believe it, go to the Department of Health website and look for yourself. They clearly advocate taking out private travel insurance along with your EHIC!

Thanks To : 42 inch LCD TV 32 inch LCD TV 26 inch LCD TV