Travel medical insurance is an insurance package that offers certain medical coverage while traveling. These plans are similar to that of normal health insurance policies, but are associated with traveling. Travel medical plans consist mainly of one of two types of policies, namely temporary travel medical plan and permanent travel insurance program.

To acquire travel insurance, an individual needs to pay a monthly premium to the insurance company through a travel agent. The company then pays for all medical care required by the customer while traveling.

International travelers, who travel frequently, mainly require this type of insurance. There are various choices to be made amongst travel health insurers, which offer help to numerous traveling people. If travelers develop some medical troubles outside their country, these travel programs provide them with all the necessary medical assistance and protection.

These travel health insurance scheme provides hospital security benefit of $100 or more per night, for travelers going outside the US. They also provide $15,000 and more to cover suitable medical expenses for previous health conditions. These are the most attractive feature of these travel plans.

Reasons To Get Travel Insurance:

Is travel medical insurance necessary or waste of money? This is a common question arising in the minds of many people, when they think of a travel insurance program. There are certain reasons that show how important travel health coverage can be to a traveler.

While seeking an affordable travel package, people need to pay attention to its price structure. Most of the available travel medical plans are of low cost. The traveler is ready to spend the vacation money for fun, but chances of medical complications can add extra money. To avoid this, it is very necessary to buy a cheap travel health insurance package.

Most medical policies provide health care assurance all around the world. However, they do not offer full amount as per the coverage. For instance, if a person is traveling on a cruise ship, the basic health insurance plan will cover only 50 percent of the doctor's visits on the ship.

However, the medical travel package covers the full amount and sometimes more. Therefore, travel insurance programs are the best choice for international travelers to protect themselves while relaxing.

Many travel medical insurers offer policies, without a medical or health examination. The package takes care of all the medical expenses associated with any medical crisis, while traveling.

Final Advice:

Travel medical insurance provides peace of mind, during your entire trip. To make the vacation more enjoyable without any hassles, it is very important to have travel medical insurance. For those travelers, who have previous medical history this is even more important.

Travelers with previous history have a high risk of medical complications during traveling and there is no chance of extra expense, if they already have travel coverage. You really don't want to take the risk of not having it.

A travel agent generally offers the travel health insurance when making bookings, and a large number of travel agents, who provides these policies, are available online. To conclude, travel health coverage provides an extra level of comfort and deals with all the medical complications get a quote below.

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When in Sucre cheesy as the 'dino mobile' looks a trip to the dinosaur footprints will exceed your expectations.  The cost of a visit is cheap and the prints are extensive - it's just such a shame & quite unbelievable that such a treasure is still part of a working quarry.  The prints scale a sheer rock face which shakes with dynamite explosions from the base even as you watch - let's hope that UNESCO win their battle and these footprints are preserved for future generations.

Do not miss the world wonder which is the salt flats of Uyuni.  There are 2 choices of trip - either a 1 day trip out to the salt flats & back or a 3 day trip across the salt flats and on in to San Pedro De Atacama - Chile.  If Chile is on your travel path then this is probably the best trip to take as you will see all the attractions of the salt flats along with the red & green lagoons & flamingos.  The 1 day trip will however cover the salt flats element and from Uyuni you can get an overnight train down to the border with Argentina.  These trains do not leave every day though so worth checking before you arrive to avoid a prolonged stay in Uyuni.  Once in Uyuni every shop is a travel agent and trying to choose who to go with blows your mind - all offer pretty much the same thing the decider needs to be how good their English is and the state of their vehicles.  All operators have books with reviews from previous travellers so have a read of these before you decide. 

La Paz is the unofficial capital of Bolivia and  the biggest city at high altitude in the world.  It´s a fascinating city, full of markets .. including the notorious witches market where Bolivians buy llama foetuses which hang in the doorways of all the shops - they´re believed to bring good luck if placed in the foundations of a building. For all those that have read ´Marching powder´ - yes the prison is still there but unfortunately when we were there nosy backpackers were no longer permitted access (although in Bolivia money talks so if you're feeling brave it could be worth a try!).

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If you open your passport to page two, you will see a warning that says that anyone who is considering foreign travel should find out what travel medical health insurance coverage, they will require while they are outside the United States. For any US citizen going abroad, Medicare does not cover the medical care costs outside the US and US territories, except in rare cases in Canada and Mexico.

In fact, it might surprise you to learn that many international travelers travel without appropriate and adequate insurance protection. US Government sponsored health insurance programs, like Medicare, are highly unlikely to cover any emergency medical care that you may have to receive in a foreign country.

Even employer sponsored plans usually have limited overseas coverage, for emergency care only, provided you can prove the emergency. Whether you are traveling on business or for pleasure, you probably have gaps in your travel medical coverage that you are not even aware of.

Always remember that adequate travel medical insurance is critical for any international travel. Getting good healthcare may be a tricky business in itself in some parts of the world.

Some hospitals, the world over do not provide treatment or allow a discharge until they receive a guarantee of payment. In most cases, such a guarantee can most easily be provided by your travel medical insurer.

So, if you don't have adequate cover, you may have to pay in thousands of dollars advance, with your credit card, provided the hospital accepts a foreign credit card, which many don't.

In addition, in that pinch situation, your card must also have a large enough credit limit to cover the estimated cost of medical care.

Also, getting sudden medical evacuation, to return to the US, where the healthcare is of a known level and your regular insurance is good enough, can be even trickier.

Local authorities usually have tie-ups with certain evacuation companies, which may not recognize either your credit card or your domestic insurance.

Most of the travel medical insurance plans, however, include medical assistance benefit giving you 24/7 access to a creditable evacuation company or will actually arrange for an evacuation through their own medical personnel.

If you have medical insurance cover in the US, assess the plan that you have. Check with your insurance provider and determine exactly what kind of coverage you have, under the existing policy.

If you feel that the provided cover is not enough, have your travel medical insurance cover increased before you ever leave home. If you don't already have insurance, you know how difficult things can sometimes get. Think about how much worse it can be in a foreign and unfamiliar country.

There are three major types of travel medical insurance coverage to be considered before you leave. Most reputed travel insurance products will offer either all three of these, or, at least two of them:

- Supplemental medical and accident insurance pays for the doctor and the hospital bills. May sometimes include dental care as well as medications. Does not cover preventive care, including annual physicals.

- Medical Evacuation plans take care of expensive evacuations which can cost as much as $50,000. In addition to the insurance cover, they should provide assistance in arranging the evacuation.

- Trip cancellation or interruption plans cover you financially in case you suddenly need to cancel or interrupt your trip for a medical reason. If you can't take the vacation because of a personal or family illness, the insurance will reimburse you for the non-refundable parts of the trip.

Find and purchase a comprehensive, secure and worldwide travel medical insurance plan. Don't leave home without it.

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Book ahead

It is tempting to turn up at a town and find a place to stay once you arrive, but it does pay to book your accommodation ahead - if your transport is delayed, you could arrive at a new destination in the middle of the night, and the last thing you want is to be running around, looking for a hotel! If you are intending to travel to a place in peak season or during a festival, booking ahead may be essential for you to find anywhere to stay.

Buy your travel insurance...

Given how easily you can buy cheap travel insurance online, there's really no excuse for travelling uninsured. If you are a frequent traveller and you are concerned about price, consider investing in annual travel insurance - the savings can be considerable.

...and read the policy!

Don't just buy the first cheap travel insurance policy you find and leave it at that. Make sure your travel insurance will cover you for any activities you are going to take part in (especially any dangerous sports), and make sure you read up on any exclusions in the insurance. Thinking you are insured when you are not can lead to some very expensive holiday mistakes!

Watch out for conmen

In many countries, tourists are common targets for conmen and pickpockets. Travel insurance can help replace any items that you lose as a result of theft, but by keeping your eyes open and your wits about you, such problems can be prevented. Conmen often work in teams, so if a stranger bumps into you or spills something on you, don't let yourself be distracted - watch out for their partner who may be trying to rifle through your valuables!

Don't flash your valuables

Another way to avoid attracting conmen is to not show them anything valuable in the first place. Be careful about displaying jewellery, digital cameras, expensive watches, and other valuables while you are aboard, especially if you are in marketplaces or in poorer areas. Make sure you ask permission before you photograph any locals, and be especially careful about photographing near military installations or airports - in some countries this is regarded as espionage!

Email your details

The internet isn't just a good place to pick up cheap travel insurance online - it can also be used to store vital information that you can access anywhere. Email any essential information to yourself before you go, including any details of flights, credit card numbers, passport numbers, insurance information, helplines, embassy information and so on. If you lose any crucial documents, all you have to do is check your email and you'll have the full details you need.

Copy your documents

Make multiple copies of all your essential documents, including your passport, flight details, any booking confirmations, and travel insurance policy. Leave one copy with friends or family at home, and take another copy with you on holiday (keep your copies separate from the original documents!)

Be careful with your cards

If you are relying mainly on cards to withdraw cash, try and take more than one card (a debit card and a credit card). Keep one of them on your person and the other hidden away in your room or in a safe, so that you have access to funds in an emergency.

Spread your cash around

Don't carry all of your money in one place. Carry a "mugger's wallet" with a small amount of cash and no vital cards or documents in it, so that you can surrender it if necessary. Take a mixture of cash and travellers cheques on holiday with you; the latter can be replaced if they are stolen.

Use the hotel safe

It's an obvious facility that a surprising number of people don't use - the hotel safe is the perfect place to store your valuable and irreplaceable items.

Some holiday disasters can be avoided, others are just down to plain bad luck. But running into trouble doesn't have to ruin your holiday - by taking a few precautions (and of course, by taking out some good quality travel insurance!) you can make sure that you have a relaxing and stress free holiday.

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Travel insurance policies are a great way for travelers to protect their investment and cover themselves financially while away on vacation or a business trip. Both travel and demand for travel insurance are ever increasing and cover is now available through many different insurers. This article will discuss a number of ways to save money on travel insurance which all you should know about if you are looking for a policy.

Start with a Basic Plan and Go from There

One of the first ways in which you can save money on your travel insurance policy premium is to start with a basic insurance plan and work your way up from there. Many insurance providers will offer basic travel plans and then provide options for adding on other types of coverage. For example, a basic insurance plan for travel needs may include trip cancellation protection and cover for lost or stolen luggage but the individual will have to add on additional facets of coverage such as medical expense reimbursement and personal effects coverage. By starting with a basic plan, you are able to pick and choose which additional benefits suit you. This will save you money in the end by keeping off benefits and features which are unnecessary for you.

Forgo Deductibles

Some insurance companies will have an excess or deductible amount attached to the policy in addition to the set premium. This is something which can cost the individual more should they need to make a claim on their insurance for some reason or another. Not all insurers will have an excess, therefore it is a good idea to shop around and look for policies with minimal or no excess for claims.

Consider Annual Travel Insurance Plans

Travel insurance policies come in many different forms. Some are single-trip policies whereas others will provide benefits and cover for an entire year. Although annual travel insurance plans are more expensive than single-trip travel insurance plans, they may save the insured money in the long run.

If the individual travels on a frequent basis, buying an annual insurance plan will often be in their best interest as it will cover them the entire year for all of the trips which they embark on. When comparing that to the price of paying for individual policies each and every time you travel, obtaining an annual travel insurance policy will often be the best way to save a lot of money and have peace of mind knowing that year-round coverage is present.

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While I do daily searches on this hot topic, it seems it's fizzling out pretty fast on the major travel forums and press.

What am I talking about? Well recently Cuba announced that anyone entering their country as a tourist and other means I will not talk about here, it's now mandatory that you carry travel medical insurance coverage prior to entering Cuba!

Over the past couple of months the Cuban Government issued a list of authorized travel insurance providers, and to my current knowledge, if your insurance company is not on their list, it will not be valid.

What Happens If My Travel Insurance Coverage Is Not On Cuba's List?

If your preferred travel insurer is not on the list, then you do have the options to purchase any of the white listed insurance companies, or you can opt to purchase medical insurance in the airport the moment you arrive in Cuba. However, we hope to have more information and details on the cost and coverage they will be offering, because at this time it seems to be somewhat vague.

Will This Impact Tourism To Cuba From Confused Angry Canadians?

There's no question that as each Canadian listens to this controversial story, no one really understands the true nature behind it! As a travel professional I have been selling my clients travel medical insurance to all destinations outside Canada, including Cuba, and have always expressed the importance of this coverage when visiting countries outside of Canada.

To my knowledge, I was not aware that Cuba's medical services were being offered to foreign travellers for free, and in my opinion, I don't know of any country that would be able to do such a service without losing a ton of money in the process.

The question on my mind and I'm sure on many others throughout the travel industry will be; how is this going to impact tourism to Cuba? My guess is for travellers that love to visit Cuba year after year this is not going to affect them. But for vacationers that are planning to get away next winter may re-think going to Cuba and may select another vacation spot, such as the Dominican, Mexico, and Jamaica to name only a few.

I'm thinking anyone that's undecided and had Cuba on their list, will be looking at the pro's and con's. I would be almost certain any traveller that snubbed or made an effort to rebel against medical coverage this would be a major deciding factor for them.

Let's Get To The Real Issue At Hand About Travel Insurance!

You see, in my opinion it doesn't matter to me whether a country such as Cuba issues a mandatory statement to carry medical insurance or not. I have been telling my clients for years that travel medical along with sufficient cancellation & interruption coverage is crucial for anyone travelling outside of their country.

It's not just about the country you're visiting! I love to give people true scenarios and occurrences that paint the reality of what could happen at any moment during or after a vacation.

One example I talk about with passion is when a traveller decides to visit a Caribbean Island, and we will use Cuba. Let's say you made the choice to not purchase a preferred Canadian travel medical policy and decided to go with Cuba's local coverage.

Now you're having a great time in Cuba, and then all of a sudden you start feeling extremely sharp pains. You contact the insurance company from the policy you just purchased, and you pray that the person on the other end speaks English. Okay they do speak English and the next step they recommend make arrangements to get you to the nearest Cuban hospital.

After all the tests are done, they claim it's your appendix and it has serious damage. The hospital provides you medication and sends you on your way.

Let's fast forward. You were extremely happy that you purchased the Cuban medical coverage, and your tests and medication was covered. Your trip is over and you're about to board the plane to arrive back into Canada.

Here's Where The Proper Travel Insurance Coverage Makes A Difference!

You're sitting on the plane thinking about your close call at the Cuban hospital, and feeling very lucky with your choice. Then all of a sudden, you start getting extremely jolting pains that feel that someone knifed you repeatedly.

At this very moment the pain is so excruciating that you yell for the flight attendant to help you, and at that moment the pain is so bad that you are virtually passing out. Good thing the flight attendant is recognizing your signs, and realizes that you may have experienced a burst appendix.

Having to make a quick decision, the pilots flying the charter flight back to Canada announce that due to the serious nature of the situation, they're going to have to land in the closest available city, guess where?

You guessed it! These pilots now have to land in the closest city which happens to be the United States. Wow, who would have expected this to happen? Probably no one, yet this is an occurrence that has happened before, and can easily happen again.

The fact that you're now admitted to a United States hospital changes everything. Does the Cuban medical coverage provide protection anywhere outside your country, more than likely not. Do you now have medical insurance to cover your surgery costs and the days you may need to recover in the U.S. hospital, nope!

With no medical insurance coverage, you will now be responsible for paying full medical costs, less what your province of residence may or may not cover. Less than 30% off the top of my head, and of course there will be restrictions to what is covered.

Let's say you were in the hospital for 4 days, which includes the surgery. Do the math, because to knowledge some hospitals in the United States charge somewhere between $2000 per day and up, and that doesn't include the surgery costs. I'm thinking that before you walk out the hospital door, your bill is going to humongous!

The moral of the story here is that no matter if a destination country now requires mandatory medical insurance or not, it's always in your best interest to find the best coverage that not only will protect you at the destination you're visiting, but also anywhere in the world, just in case something unexpected happens that's totally out of your control.

As you can see in my example, you made the smart choice to purchase the Cuban medical coverage, but was it the smartest choice? I leave that up to you to decide.

Remember, we offer the best coverage in the travel industry to date, and guess what? It's on the Cuban approval list!

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Although most travel insurance policies have similar coverage options, there are slight differences that can have a big impact when you find yourself overseas and in a bind. Avoid the pitfalls of unrecoverable luggage and foreign medical bills by learning what to look for and which travel insurance plan suits you before you set foot on the plane.

Adaptability to Your Needs
If you're traveling within your own country, chances are you'll be much more likely to use a policy that helps you recover your lost luggage 24-7 than a policy that provides emergency health care. The reverse is true if you plan to go over the Sahara desert on the back of a camel. Find a policy that offers coverage options based on what you need for your specific itinerary.

Reasonable Restrictions
If you're planning on hitting the Northern Atlantic in spring or South East Asia in the fall, you might be limited by weather restrictions like hurricanes and tsunamis. In addition, some kinds of activities - such as extreme sports - might not be covered by a traditional travel insurance plan. These types of restrictions are commonplace and can be found across providers. If anything seems extraordinarily restricting to you, you may want to look and see if other providers are doing the same.

Different Prices for Different Regions
Travel insurance premiums for different countries are not proportionate to the level of risk. Contrary to what seems like common sense, travel to the United States and Canada presents a greater financial risk due to the increased probability of a lawsuit made against you, and the increased cost of travel medical services. Even if you're just passing through these types of countries, you want to ensure you have a policy that takes this into account. Be suspicious of any policy that offers a one-size-fits-all approach to premium costs.

Personalized Assistance
Things like luggage assistance and a 24-hour call service might seem extravagant when it comes to travel insurance, but these small touches are the kinds of things which make travel insurance worthwhile. Being in a foreign country - especially if something has gone wrong - can be an incredibly frightening experience. When you choose travel insurance online, you need a provider who will be there for you for the small things as well as the big ones, you are really getting your money's worth.

Annual Policy Options
Although most people buy travel insurance on a per-trip basis, it is available over longer periods of time. For individuals who travel frequently or who intend to spend a large chunk of time away doing missionary work, it can be much cheaper to consider an annual policy. Your provider should have this option.

Choose an Insurance Provider You Trust

Chances are pretty good that nothing catastrophic will happen on your travels. However, in the event that something does occur, you want to have an insurance provider you trust to get you to safety as well as to provide whatever financial reparations may be due. Above all else, when choosing which travel insurance provider to proceed with, make sure you are happy with the overall level of service coming your way.

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Is travel insurance mandatory and what is there to know about it in the first place? A number of different options are available for any one to take when it comes to insurance coverage when planning trips and this article will serve as an introduction to the concept of travel insurance. How did these policies begin surfacing and do all travelers alike give grave importance to acquiring such policies?

Travel insurance exists to handle problems that arise when traveling like medical or financial concerns for example. Varying traveling natures can all be secure under this kind of insurance policy. It is very rare for insurance policies to be attained separately from when people book their trips as it is much easier and efficient to manage the two things together.

Travel insurance coverage can be obtained from travel agencies but these will only be inclusive of limited and short term coverage. This is why it is advisable for a person traveling to acquire an insurance plan from the main insurance companies in his or her area and not from the travel providers. The logic is simple, a better coverage plan with more inclusions than exclusions can only be attained from an actual insurance firm.

Coverage for travel insurance policies are designed to manage a number of different risks that can be expected from traveling. Travel insurance can protect the interests of all passengers alike when travel providers fail to deliver quality service. A second reason why insurance like this is beneficial is when medically related concerns are in order and certain costs need to be settled.

Travel insurance plans can be extensive enough to include assistance for injuries and even death benefits when necessary. War and conflict are highly inevitable yet rare occurrences but most passengers do not wish to take chances and secure a policy which includes these in its provisions. War and terrorism are valid reasons to delay or completely cancel a trip so travelers should have the necessary protection for their money when their trips are interrupted by such events.

Delayed baggage or even personal belongings that are susceptible to losses and theft are covered by travel insurance policies. There are a number of reputable travel providers whose services include top notch performance when it comes to travelers' belongings. Being equipped with an insurance policy gives a traveler added security for when the occasion of lost luggage arises.

As compared with other plans, travel insurance exists to allow all travelers alike to have a form of security when they plan a trip. Travel providers will not be able to deceive a traveler with regard to what id due to him or her when a problem occurs if a traveler is protected by travel insurance. There are varying provisions for each particular insurance policy and one of the main differences belong to the agreement where providers and travelers settle on whether or not additional costs incurred will be considered by the selected policy or not.

A traveler also has an option to purchase separate policies for particular reasons in line with an existing travel insurance policy. People who regularly face health problems are advised to take additional coverage for their existing medical condition. A person who may plan on encountering dangerous activities on his or her trip may be required to take some added insurance.

A traveler meaning to travel to terrorist laden countries will need to go about availing a certain amount of extended coverage for his or her trip. No matter how extensive a travel insurance policy may be, travelers cannot be a hundred percent sure with regard to safety when they choose to travel to areas under conflict. Policies can have separate options for inclusions into the existing insurance coverage but these too can involve a series of exclusions.

Health concerns which are rather severe as well as problems brought about by alcohol and drug use are oftentimes excluded from the full coverage a client is entitled to. War and terrorism clauses can be excluded in most policies to protect both the company and the traveler with the latter being influenced not to plan a trip to such hazardous nations. Travel insurance is an agreement or a contract which can offer a traveler with an adequate amount of assistance that can be beneficial when traveling so it would be smart to compare a list of policies beforehand.

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Travel Insurance is often overlooked.People spend a lot of time sorting their holidays and travel.Plane tickets are bought, accommodation is booked, vaccinations suffered, and hours have been spent deciding on what clothes to take. They think they are organised.

But are they? There is something really important that seems to be missing from this list! Yes, Travel Insurance.

Often people think it is too expensive. But is it? When you think of all the things that could go wrong it is a relatively inexpensive safeguard to problems that could potentially cost thousands of dollars. A small premium spent now, should give peace of mind for these possible scenarios.

Plane tickets are lost

You, or a family member have an unexpected illness before you leave .Your flights are delayed, or cancelled.

Luggage is lost

Luggage, tickets, money is stolen

Personal items are damaged

You fall ill or have an accident while you are away

This MAY entail emergency repatriation to your home country.

Your adventure activity has caused you an injury

You have an accident in a rental car or campervan

Bad weather, or other unforeseen circumstances could mean having to reschedule flights

All these things can and do happen to many travellers. Without the appropriate Travel Insurance Cover for your situation, it is going to be a costly problem.

Choosing the Right Travel Insurance

Not only should you have Travel Insurance, but you need to choose the one that is right for you. If you are going to be doing adventure activities such as bungy jumping, be sure you choose the cover that will pay out if you have an injury. Going skiing or snowboarding? There is a special Snowboarding Travel Insurance. It also covers other snow activities.

Are you staying away long term? The insurance cover for expatriates, would be the one for you.

Ticket Cancellation

You are often given an option to cover cancellation of tickets when you purchase. Think carefully before you say "no "to the very few dollars this usually costs!

When you book hotels, hostels or other accommodation you may well be offered a very cheap insurance cover in case of cancellation. It is worth the few dollars! A cancelled booking could be a costly mistake.

Renting a vehicle usually includes insurance cover, but there is also a large excess, often $2,000 or more. You can take out extra insurance to cover this, or your comprehensive travel insurance may include it. Check, so you don't pay twice!

Weather can play havoc with travel plans. Knowing you have insurance to cover the resulting cancellations , lost bookings, and changed plans makes a huge difference to the impact on your holiday AND your pocket.

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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.

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Tourism is a growing industry worldwide. So are undesirable things like terrorism, flight crashes, accidents, wars, disease, natural calamities etc. Any experienced traveler can tell you that travel is full of uncertainties. But it is not possible to sit at home afraid of calamities. Holiday travel insurance is one way of mitigating the financial risk of such unforeseen events or calamities.

There are a variety of holiday travel insurance policies available today on the internet or the market. It is easy to get confused with so many offers. However most holiday travel insurance policies have certain basic benefits which are common. Holiday travel insurance policies usually provide coverage for:

Trip cancellation/interruptions. Trip cancellation/interruptions due to a variety of reasons like death of an immediate family member, weather, sudden illness, bankruptcy of airliner, jury duty, terrorist activities etc.

Medical costs. Costs incurred for doctor visits, medicines, treatment, surgery etc and some policies even provide coverage for costs of medical evacuation to nearest medical facility.

Accidents. Accidents or calamities like earthquakes, tsunami, storms etc and the related costs. Some policies also provide vehicle accident costs. These are especially useful when going for a driving holiday to a foreign country. Most of your regular policies for auto insurance only provide insurance within the United States and do not provide for accidents out of the US.

Baggage Loss. Costs incurred for loss of baggage and valuable is also covered by most travel insurance policies. These are especially useful when going out for a shopping holiday for antiques, valuables, jewelry or electronics.

All the above-mentioned costs are borne by the travel insurance company depending upon the travel insurance policy. Before purchasing the policy read the fine print carefully, especially the parts covering, deductibles, co-insurance, specific limits, exclusions, hotline numbers and emergency services. Purchasing a policy for a family works out cheaper. Purchasing a policy online also works out cheaper as you do not have to pay for the insurance agent.

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Bangkok is a buzzing city criss-crossed with canals & rivers.  The sky line is one of high rises, shopping malls & international hotel chains but at the canal banks and side streets of the city the traditional side of Thai life is clearly visible.  The business hub of the city is easily navigated using the skyrail & underground but the more touristy areas around the Koh San road are less well supplied & Tuk Tuks are the main mode of transport.  Negotiate hard with your tuk tuk driver - a taxi will always be cheaper & has the advantage of air conditioning however be sure to agree that you're charged according to the metre as opposed to agreeing a fixed price.  Taxis will only take you at an agreed price after 3pm as from this point on your in to rush hour and they are highly likely to spend hours with you stuck in traffic! 

About 3 hours out of Bangkok towards the Burman (now Myanmar) border, in the province of the same name, is the town of Kanchanaburi where you can walk over the famous but tragic bridge of the River Kwai.  There are some interesting museums here where you can learn more about the history of this place of wartime tragedy & cinematic fame.  There are also many opportunities for elephant riding in the surrounding area.  A 20 min drive out of the town will take you to the Tiger Temple - a real highlight of any trip to this province.  This functioning buddhist temple is also home to about a dozen tigers of varying ages (& sizes!). 

The temple first took on this unexpected side line in 1999 when a tiger cub was found in a near by village, it had lost its mother to poachers and needed round the clock care to survive.  The villagers took the orphaned cub to the temple where the monks agreed to offer it sanctuary.  Word spread in the surrounding area and over the years more and more orphaned cubs were bought to the temple - word also spread amongst the tourist population and in the present day a mutually beneficial relationship exists between the tourist dollar and the conservation of the tigers.  A few dollars gains you entry in the afternoons when the tigers are napping in their canyon, photos can be taken from afar for free and if cubs are around there are opportunities for photos here also.  For a few extra dollars you can have a picture taken with a fully grown tigers head in your lap - not an experience easily found any where else in the world!  

Don't listen to Chinese whispers that the tigers are drugged - they aren't and are in fact very well looked after thanks to the diligence of the monks and the many (often western) volunteers.  Of course queuing up with lots of other sightseers to get your picture taken with a tiger isn't exactly the 'genuine' experience a backpacker is after however getting that close to fully grown tigers remains awe inspiring and your money is going to a good cause so if you can stomach the crowds get yourself down there.  If you want a more personal encounter then there are two other options open to you - firstly you can volunteer, you must remain at the temple for an agreed minimum stay (think it's 1 month) and assist as required, meals and basic accommodation is covered.  Secondly if you're lucky (this is not an every day offering) and if you can afford it (c. $50 when we visited) then you can spend the morning with the tigers - only 5 people maximum allowed for this so you will get the one on one experience. 

A morning with the tigers involves arrival at 7am for breakfast with the monks where you will get to bottle feed & play with the tiger cubs (including being locked in a cage with them & some squeaky toys for an hour of play time!).  Next you will get to walk the 'teenage' tigers down to the canyon for their morning exercise - incredible to watch them pouncing on each other in the water (check out the photos in the photo section of this website).  Following exercise time you will walk the tigers back up to their cages and give them a quick bath - just like their domestic cousins they aren't great fans of this so handle with care!

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These days everyone wants to save a little money. This is especially true when you are buying things that you can't hold or feel. This is certainly the case with travels insurance. Why in the world would you want to pay more than you have to! Absolutely the best way to make sure that you are getting the best price you can for the best policy is to compare travels insurance quotes and prices.

You may groan when you hear that since spending a great deal of time working to compare travel insurance policies does not sound like much fun. In reality, it doesn't have to be that difficult or that time consuming. If you have access to a computer and the Internet you can compare insurance price and compare travels insurance plans all from the comfort of your own home. The information that is available on the web makes it possible to do a very comprehensive comparison in very little time.

To get started on your effort to compare insurance plans start with a general Internet search using your favorite search engine. Within just a few minutes you will see that there is a great deal of information right at your finger tips. So much that you may feel like you don't know where to start. Before giving up think about the type of insurance that you really need. Once you have a clear idea of the type of insurance you'll be able to whittle down your list of search results compare travel insurances quotes that are similar.

So what kind of things should you think about in order to do your comparison? A good place to start is whether or not your travel will be international or domestic. Will you be taking multiple trips or do you just need coverage for a single trip. Do you need to compare travel insurance Australia or other parts of the world? All of these factors will go into the specific price of the policies.

Now you have a clear idea of the exact type of travels insurance will fit your needs you can compare insurance quotes. Even though your first instinct will be to skip to the bottom line and choose your policy based on price you need to be sure that you look at the features of each policy before making a decision. You want to pay particular attention to the medical coverage. If you will be traveling away from your home country medical coverage is particularly important since your personal policy probably won't cover illness or accidents that take place overseas.

You can also use the Internet to compare the insurance companies that are offering the policies. This is important because you want to make sure that the company you are buying the policy from will stand behind you if you need to file a claim. As you are looking at the information on insurance online you can get a good idea of which companies are industry leaders and which companies may not be for you.

Whatever way you decide to go it is always worthwhile to compare travel insurance policies before you purchase a plan. You can save money and be sure that you get the insurance you need from a good strong company.

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Travel Insurance is often overlooked.People spend a lot of time sorting their holidays and travel.Plane tickets are bought, accommodation is booked, vaccinations suffered, and hours have been spent deciding on what clothes to take. They think they are organised.

But are they? There is something really important that seems to be missing from this list! Yes, Travel Insurance.

Often people think it is too expensive. But is it? When you think of all the things that could go wrong it is a relatively inexpensive safeguard to problems that could potentially cost thousands of dollars. A small premium spent now, should give peace of mind for these possible scenarios.

Plane tickets are lost

You, or a family member have an unexpected illness before you leave .Your flights are delayed, or cancelled.

Luggage is lost

Luggage, tickets, money is stolen

Personal items are damaged

You fall ill or have an accident while you are away

This MAY entail emergency repatriation to your home country.

Your adventure activity has caused you an injury

You have an accident in a rental car or campervan

Bad weather, or other unforeseen circumstances could mean having to reschedule flights

All these things can and do happen to many travellers. Without the appropriate Travel Insurance Cover for your situation, it is going to be a costly problem.

Choosing the Right Travel Insurance

Not only should you have Travel Insurance, but you need to choose the one that is right for you. If you are going to be doing adventure activities such as bungy jumping, be sure you choose the cover that will pay out if you have an injury. Going skiing or snowboarding? There is a special Snowboarding Travel Insurance. It also covers other snow activities.

Are you staying away long term? The insurance cover for expatriates, would be the one for you.

Ticket Cancellation

You are often given an option to cover cancellation of tickets when you purchase. Think carefully before you say "no "to the very few dollars this usually costs!

When you book hotels, hostels or other accommodation you may well be offered a very cheap insurance cover in case of cancellation. It is worth the few dollars! A cancelled booking could be a costly mistake.

Renting a vehicle usually includes insurance cover, but there is also a large excess, often $2,000 or more. You can take out extra insurance to cover this, or your comprehensive travel insurance may include it. Check, so you don't pay twice!

Weather can play havoc with travel plans. Knowing you have insurance to cover the resulting cancellations , lost bookings, and changed plans makes a huge difference to the impact on your holiday AND your pocket.

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Covering the basics of any trip may help travelers with regard to achieving a safe journey to and from a selected destination. Traveling overseas usually grants all types of travelers the safety card ensuring a safe trip to and from a destination. Travel safety is still important especially for those unforeseeable circumstances that can trigger at any moment as this article will show.

Travel safety is not an impossible dream if a traveler only becomes practical with what he or she packs when engaging to go on a trip. Stealing is a common occurrence anywhere in the world and travelers need to take this into consideration when they decide on bringing that gold watch along. Travelers should refrain from taking expensive items to detract possible theft attempts when they travel.

Packing light allows for a higher level of travel security for any passenger since he or she is only required to look after a limited amount of materials while traveling. When a person packs only the essentials then he or she is better off because almost always he or she will have that free hand for handling travel documents better. Lost bags are primarily due to people leaving their belongings even for a short period of time when they place them down to rest for a bit after lugging them for so long.

Travel safety for when carrying valuable items is to pack the items well and place them in concealed areas of the luggage. Avoid having a single wallet for all travel documents and money to avoid problems when the entire thing is misplaced. Refrain from bringing too much valuable items to maintain the hassle free trip embarked on.

Travel safety for people wearing bifocals is having a second pair with them when they travel. Also, travelers bringing medication need not bring too much but not too little of the amount that they need. For any trip, do not forget to keep all forms of medication in their original and labeled containers to avoid any problems especially with customs personnel.

Travel safety for drugs with narcotics is to attain a doctor's note that can prove that these are needed by the traveler. A traveler can do research to know more about the drug situation in a certain country. Embassies and consulates can offer information such as this to people who need them.

Travel safety for people is also bringing credit cards and traveler's checks in line for cash. Theft can be reduced since thieves want cash and not credit cards and checks which require signatures. Together with this, also pack a few passport photos and a photocopy of the passport information page to have it replaced easily when lost.

Lost luggage can conveniently be returned to the traveler if he or she placed tags with his or her name, address, and numbers. Travel safety in this case is protecting the personal information from others through partial concealment. It is necessary to obtain good locks for each bag to be used as well to simply make sure that there will be much effort before bad people can get a hold of a traveler's things.

Communicate well on any given trip with the use of an international telephone card which may be useful for emergency situations as it is definitely always the better option to have some form of secure conversation with a friend, family, or any one really especially when in dire need of help. Access codes are needed for the proper utility of the telephone cards as these are generally required before calls can be made internationally and it is an important fact for travelers to be aware that each country has its own access code number. Travel safety is something required from people traveling anywhere and to do so is to simply follow some guidelines down to the last note.

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Going on a trip can be expensive and you should get trip insurance in case you have to cancel the vacation. You never know when something may happen and you have to cancel the trip and you do not want to lose the money you paid for it. Getting trip insurance can help you stay protected when the worse happens and you can not go.

Search online to find a low cost affordable options and in some cases the site you used to book the vacation may offer travel insurance that you can purchase at the time of your booking. Check before making your purchase to see if there are any of those additional boxes that may offer this type of coverage.

You may spend hundreds or even thousands of dollars on your next vacation and if you have to cancel it without some type of insurance you may lose all of your money. Do not rely on saying that you are going no matter what because in life something can come up and often does. With just pennies on the dollar you can have vacation insurance that will allow you to have piece of mind when booking your vacation.

Most people do not consider getting this type of insurance but you should stop and think can you afford not to buy it.

Remember that you should always protect yourself as you do with your home or car and get travel insurance when you book your next vacation. You never know when you may need to use it and it is a lot cheaper than paying for a vacation and loosing all the money.

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If you travel to the third world or to places with civil unrest you might find that there are always stories of people being taken hostage or kidnapped. The guerrilla political opposition or sometimes a terrorist organization will kidnap Americans, because, well, because they are worth something and their loved ones can pay for their release.

By holding them hostage they can extract hundreds of thousands of dollars, sometimes millions. This is standard procedure and a method of operation for such groups.

If you want to get your loved one back alive, hand over the cash and supposedly they will be released. So, let's say you are traveling to one of these places and you get kidnapped, well most travel insurance policies will not cover kidnapping and ransom, but there are a few insurance companies that will, and you can but coverage like this.

Of course, because of the nature of this business, most of the insurance companies that offer such coverage do not advertise, rather they sell their insurance through word of mouth and referrals only.

Believe it or not there have been many kidnappings recently just over the border in Mexico due to the drug wars. And there have even been kidnappings of wealthy individuals in Arizona and Texas. So, you can see that this type of insurance, which is usually sold to oil companies and large corporations working in foreign nations, they say it's just part of doing business and pass those costs onto their consumers.

Although many companies will not admit to buying kidnapping insurance, we bet a whole bunch of the largest corporations of the world do. How much does this insurance cost? Oh, about $2,000 to $10,000 per year, but what is a life worth?

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Prices are constantly changing for all available products even that of medicine. Acquiring travel insurance may prove to be very helpful for travelers considering the condition of the market. A traveler may experience financial worries if he or she travels without the proper insurance documents.

This article will be a guide on what travel insurance can provide for the everyday consumer. It is beneficial if a traveler is confident about what relevance an insurance policy may have with regard to any travel plans. Being prepared for inevitable mishaps is the wiser approach to any traveling plan.

Even if someone considers him or herself to be in perfectly good condition, an accident can happen in an instant regardless of where the person may be hence the relevance of travel insurance. There are some insurance plans which can work together with provisions from a foreign provider giving the owner an extended coverage. There are policies which may be restricted for use only within the limits of the country where it was obtained from making travel insurance something that should be purchased nonetheless.

Travel insurance is also designed to protect a traveler's luggage, money, passport, and other personal belongings while available for use on medical liabilities. Insurance plans like this one are ideal for when people encounter repatriation and the like. There are numerous costs which every traveler should be prepared for before embarking on any trip making travel insurance a great asset to have.

What can someone expect to pay when applying for insurance coverage? People tend to pay more for an insurance policy than what it actually goes for no matter what purpose the policy is meant to satisfy. Despite basic travel insurance being relatively cheap per weekly duration of travel, why is it that people end up overspending when they acquire such services for themselves?

People who go on trips get insurance together with making reservations. Travel agencies make extra income as a result of this but quick and easy is what travelers prefer. Travel agents charge higher prices for insurance policies than those attained directly from the insurance companies themselves.

Travel packages from travel agencies almost always will include policies like this. The thing is that travelers should always be aware that nothing is usually free of charge and somewhere along the line, they would still be paying something for that additional travel insurance service. Travelers of all sorts find it easier to do business online and most travel agencies generate business this way influencing more people to get entire travel packages from them.

Insurance is readily available online as many insurance companies have joined the bandwagon for such marketing. Insurance that is attained personally will definitely cost cheaper than having someone else do the task. Travel agents still earn money from even the lowest deals when it comes to insurance.

Travel insurance quotes can be searched online where rates and provisions per policy per company can be assessed. Cheap does not mean bad and expensive does not always mean good. There are provisions from expensive policies that travelers may not need in the first place.

Use online services to choose among the different providers that can give travel insurance depending on the need. A series of regular provisions will incur an excess which is the standard charge for every client. Travelers who choose to pay higher excess rates will be given lower premium requirements.

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I very recently. I went to the Beijing Olympics in 2008 and attended the Woo-ton and outside the city. I love you and have done since then. Why do we need travel insurance? Why do people ignore, or to go abroad without them? Let me begin with a story. A story of survival and fear that my wish never ended without losing medical insurance abroad.

When I was in my late 20's, I decided to go toLondon, England. I like the landscape of this country. I have a friend, my wristwatch and a backpack. We decided one night from London to Scotland backpack. Good idea? We thought so. We decided to avoid the low cost of a night sleeping on the roadside. In a safe place. A corner we could find. We were approached by 5 young / scammers. We were attacked, robbed and beaten a bit '. Fortunately, none of us need to go to the hospital. When I was home I would. By a miracle, a policeofficer was only 20 minutes behind the men and found us. I never got my watch back, but he was able to go on ahead, arrest the men, and retrieve our bags. With my friends passport in it!

That is why I am a firm advocate of travel Insurance. It doesn't matter why or where you are traveling abroad. Medical and Packaged Insurance can save your life and your belongings. Here are some tips, once you have insurance and travel, that can help you survive, in a situation like me.

Travel Tips

1st Enter Passport - places like Eddie Bauer and travel sites to sell your passport is worn around his neck. If my friend had one, would have been safe if she had disappeared when packing for good.
2nd Sleeping in hostels - youth hostels are not safe enough, but sleeping in a public square with the protection and surveillance zones can save your life. Travel insurance will not save you, if you are stupid like us and sleep ina dangerous place.
3rd Know your mark - where it is directed, and where protection is available. Read local hospitals and medical facilities, when something happens like it did to us. Guides, such as Frommers has tabs with the information in it. Be prepared when you travel insurance. It is only the beginning
4th Take a Friend - If I were alone on a backpacking trip I'm not sure I could have written myself out of this situation. It 'much more perilous journeyalone.

Use these tips with you abroad and be careful next time on the road. Amazing Race and Bear Grylls take when you are tempted, therefore, travel with no plans o. It can be fun, but with the right tools. Insurance is one of those tools that you should not do without.

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So you want to leave the homeland for a while, see the sights, take the pictures, or perhaps, do some business. You've packed the swimming trunks, the extra layers, the hiking boots, the sun screen, but the question remains: is your medical insurance traveling with you? What happens if you get to Brazil like you always wanted to, and then, in a freak spilled mojito accident, you break your ankle? What if the escargot from that charming Parisian restaurant reacts badly with your American digestive system, and you are suddenly in the throes of the worst food poisoning you've experienced in your life? It is no small matter; according to the US Center for Disease Control and Prevention, one half of US travelers heading to another country will experience some sort of health problem while abroad.

Ever since the Michael Moore film, "Sicko," came out, we all know that many other countries (well, specifically France, Canada, and Cuba) provide affordable, sometimes free, healthcare to their citizens, but how does it work for us, Americans, abroad? Well, the truth is, unless you make special preparations, the outlook is not good. According to World Wide Medical.Com website, "most US insurance companies, HMOs, PPOs or Medicare [plans] do not provide adequate medical insurance." There may be exceptions, and you should look into the fine print of your plan, but every major US health insurance providers suggests getting some form of traveler's insurance. Unfortunately, there is no foreign country that provides free health care for travelers.

Travel insurance plans provide three types of coverage: for medical care when abroad, the cost of emergency medical evacuation, and reimbursement for sudden trip cancellations and lost luggage.

Should you require medical attention while abroad, most insurance companies provide support in the form of emergency hotlines. They will advise you on the best hospitals in the area, as well as the ins and outs of the local systems. It is strongly advised that, if possible, you consult your provider before seeking medical attention in a foreign land. Also, insurance providers warn that most third world countries' hospital systems require payment upfront for services rendered. This fee would be reimbursed by the plan.

The most pressing concern is the case of an emergency medical evacuation from a foreign country back to the US. Evacuations are necessary when a very serious medical condition arises, and the traveler/patient must be transported back to the care of his/her primary care physician or a home-based expert. This can cost upwards of $10,000 as it is a coordinated effort between several hospitals and at least one airline. Most travel insurance plans provide the option for specific coverage for this contingency.

Another aspect to consider when travelling abroad, is the cost of sudden cancellations, or changes in travel plans as a result of medical or other emergencies. In an era when airline companies are logging record numbers of lost luggage, this aspect of travelers insurance provides reimbursement for the purchase of clothes and other necessities. In this sense, you could come out a winner: imagine an 'emergency' shopping trip at the fabulous designer stores of Milan.

So, whether you are planning a road trip to Canada, or a fourteen day hike in Machu Pichu, pack some warm socks, swim trunks, and your new friend, Mr. Traveler's Insurance.

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