Author: Patrick Chongbr
Source: ezinearticles.combr
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Just in case you arent lucky to have one of those helpful friends to recount some of their personal holiday travel insurance stories, weve compiled a list of a few of the more unusual ones.

Bag Overboard!A man was on a three day trip aboard a small pleasure boat in Thailand. As they were on the return journey, everybodys luggage was up on deck ready to disembark. Unexpectedly, the seas became extremely rough and the boat was in danger of capsizing. Some quick thinking by the local Thai captain and crew averted a disaster, but not before the entire boatload of luggage had slid overboard with one final terrifying lean! The gentleman in question had thousands of pounds of video equipment in his bag, as well as an engagement ring he planned to present to his girlfriend on the last night of their holiday. But while his bag went to a watery grave, his story had a happy ending. His travel insurance paid for everything including a new ring, and they lived happily ever after, with a great tale to tell! (Some of his new friends from the trip however, who hadnt purchased holiday insurance, did not fare so well.)

Stop Police!A hapless tourist on the trip of a lifetime to Israel, was minding his own business crossing the road. Out of nowhere a police car moving at over 80 km/hr came careering over the crossing and struck him. Horrified onlookers watched as he was thrown ten feet into the air before landing on a traffic island. Miraculously his injuries were not life threatening, but he was in hospital for weeks. The local Israeli police were extremely quick in assisting with the police report (surprise surprise!), and his travel insurance paid for a private room, all his medical expenses and his travelling expenses back to the US. Two years later, when the man was fully recovered he returned to Jerusalem to continue his tour of the city – by bus!

Hands in the AirTwo young friends were backpacking through South America on a gap year holiday. Before they left, all their uni friends had clubbed together to buy them some cheap travel insurance. The boys had announced publicly that they had thought it was an unnecessary expense – but luckily their mates disagreed. Half way into their three month holiday, the boys were crossing the border from Belize. They got a taxi from the border at Guatemala to take them to their next town. As the taxi crawled along the heavily potholed road, two masked gunmen leapt from the roadside brandishing their weapons and firing shots in the air. They demanded the driver steer the taxi into a ditch, and made off with the boys bags. After a few hours of pushing, the boys and driver managed to extricate the car and drove straight to the police station. Due to the foresight of their friends the boys considerable expense to replace everything was covered by their travel insurance – and they lived to hear the immortal words – We told you so!

Once bitten, twice shy, three times….? This is a combination of several stories, but a classic example that animals really will bite the hand that feeds them! While in rural India, a girl was patting a gorgeous little puppy that suddenly turned on her and bit her finger and wrist. Although it wasnt a bad wound, when four days later it was revealed that the puppy had bitten several other people and then had died – she immediately took herself to the nearest big city hospital for a rabies shot. After several anxious days she was given the all clear, and her travel insurance paid for her travel and medical expenses including antibiotics.

In Thailand a man stopped to pet a local mans pet monkey on a leash. The man handed over the monkey for a cuddle, and as it nestled into the tourists arms it suddenly turned vicious and took a large chunk out of his face! Rabies shots, antibiotics and some minor surgery later, the man returned the UK to lodge a rather large claim on his travel insurance.

On a walk with the lions tour in Zimbabwe, an elderly woman could not help reaching out to stroke the head of a young lion cub – although she had been told not to. The cub reared its head and caught her arm with its teeth. Twelve stitches and an overnight stay in hospital later, the woman was so shaken she cut short her travel plans. Luckily her travel insurance paid for her hospital and flight expenses, and she returned home to continue her safari at the city zoo!

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pPatrick Chong is the Managing Director of Journeys Travel. Their commercial travel insurance website, Insuremore, offers a target=_new href=http://insuremore.co.uk/ rel=nofollowtravel insurance/a for families, couples and singles with a quick and easy online claims feature./pbr
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Author: Albertina Belmontbr
Source: ezinearticles.combr
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No one ever expects to need travel insurance. Once you have taken the time to plan a dream vacation the last thought is of all of the life situations that could ruin it before it starts. Whether you are traveling alone, with your spouse, entire family, with business partners, or as part of a large church group, investing in travel insurance can guard against unforeseen circumstances.

What Is Travel Insurance?

Travel insurance is like most any other insurance plans. You pay beforehand to protect you in the event of something happening. Vacations can be very expensive. For some, it can take years of saving and planning to be able to take the perfect vacation. If you have already secured a flight, hotel, time off from work, arrangements for childcare and have set all other aspects of your vacation, you can not afford for anything to go wrong.

This kind of insurance can cover a wide variety of travel situations. Some commonly covered mishaps are trip or flight cancellations. If your flight is cancelled, a lot of money could be gone if your hotel does not hold your reservation because you are late. If your flight is not rescheduled do to inclement weather, your vacation can get completely spoilt. While travel insurance may not be able to change any of these situations, you will be financially reimbursed for the problems. Other situations covered by some plans are lost baggage. It can be quite expensive to replace your vacation supplies or wardrobe if the airline loses it. While they usually can get your luggage to you quickly, there is the chance it can be lost for good, making replacement of your things necessary. If your vacation involves special equipment, such as things needed for scuba diving or mountain climbing equipment, the expense might be too much for you to even try to replace while already at your vacation destination. Having travel insurance can help you afford to replace these items.

How To Get Travel Insurance

Getting insurance to stave off disaster is not a complicated process. It also is not that expensive considering all the typical plans will cover. Some cover events or situations you may never have taken into consideration as a possibility during your trip. You can easily inquire about different plans online or through a reputable agent you know. Online, you can get real time confirmation of your policy within minutes. You only need a credit card and some idea of what plan best suits the traveling you will be doing. Everything from basic trip cancellations due to illness to terrorist attacks crippling the travel industry or place you are traveling to can be included in the policies. They also range in coverage time from one day trips to one year living abroad situations. What ever be the type of traveling you may do in future; investing in travel insurance can keep your vacation from becoming a financial disaster.

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pA a target=_new href=http://www.financeenquiry.com/Page-Do-I-Need-Travel-Insurane_60.html rel=nofollowtravel insurance/a policy is one of the essentials for individuals who travel on a frequent basis. It can cover for medical expenses as well as provide for accident insurance. Prior to choosing an insurance plan, you must procure and compare a few a target=_new href=http://www.financeenquiry.com/Page-Travel-Insurance-Quotes_70.html rel=nofollowtravel insurance quotes/a./pbr
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Author: Jackson Alanbr
Source: ezinearticles.combr
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While traveling has become a routine lifestyle for some people, others will need to slog hard just to save enough money for a dream vacation. For such people, buying travel insurance is an extra cost. They would probably wonder what good travel insurance will be for them. After all, it is unlikely that anything drastic will happen. So do I really need to spend the extra money? Maybe the worst thing that can happen is losing my luggage. The chances of anything worse are almost zero percentage. These are the questions that often run in their minds.

Life is unpredictable and anything can go wrong anytime and it can cause you much more than you can ever imagine. So getting a travel insurance policy is the safest and surest way to a peaceful mind. There are many types of travel insurance packages, each specially designed and catered to meet the requirements of the travelers such as, delayed or lost luggage, trip cancellation, medical, dental, emergency evacuation, 24-hour travel assistance, accidental death, etc. Some policies even cover certain options such as damage or collision of rented cars. As a matter of fact, there are many options that can be included into your coverage.

It is vital to read through the fine prints of the policy which you purchased because your policy may not cover certain areas that you assumed it does. Imagine you only find out during that moment of need that the medical coverage is only for an injury and not what you assumed as coverage for both injury and illness. That will be totally frustrating. So it is best to ensure full knowledge of your travel insurance policy. Remember to query on any doubts and ask for suggestions. Do not rely on your own assumptions as you are covered for what is stated in the policy only and nothing else.

The premiums charged will depend on the passenger age as well as medical history of the travelers. Any add-ons or customized policies will generate higher premiums. Usually, children are covered at no extra cost by most insurance companies. Besides buying travel insurance through an insurance company, you can also get from tour operators. Generally, the insurance policies offered by them are quite standard and therefore inflexible to your individual requirements. The premium is cheaper as they provide a lower amount of coverage. There is a possibility that only a portion of your trip is covered and it may duplicate any policies that you already have. And in the event of the tour company going into liquidation, you will lose both your trip and your premium. So it is advisable to use a credit card for payment as you may be protected against any potential default of the operator.

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pShould you prefer to obtain a target=_new href=http://www.columbustravelinsurance.org rel=nofollowTravel Insurance/A from insurance companies instead of tour operators, then remember to always get quotes from several companies for comparison purposes. A good site for such reference is a target=_new href=http://www.columbustravelinsurance.org rel=nofollowhttp://www.columbustravelinsurance.org/A where you will be able to get the best value for your money. Bon voyage…!/pbr
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Author: Jackson Alanbr
Source: ezinearticles.combr
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It is known that life is unpredictable and full of unexpected happenings. Who knows what is going to happen next year or even tomorrow? That doesnt mean that we should live life negatively and in fear. Instead, we should be encouraged to do whatever we can in order to live a fulfilled life without any regrets. A good example is to be well protected by getting travel insurance whenever we plan a trip so as to avoid unnecessary worries or any guilty feelings of negligence should any drastic things happen.

Very often people are skeptical when it comes to buying travel insurance. They do not see the necessity of it and think that the extra expenses can be used for more important things. It would simply be a waste of money dumping into insurance when the chance of any bad happening is almost zero percentage. But we must remember that it is always better to be safe than sorry. Since life is unpredictable, anything from delayed luggage right up to accidents can happen. So it is best to purchase insurance whenever planning for a business trip or vacation to ease my mind, knowing that you have done whatever you can on your part.

There are several types of travel insurance policies in the market. Some of them are single or group insurance, business insurance, backpacker travel insurance and adventure travel insurance. Apart from that, travel insurance companies also came up with special packages for senior citizens and those with pre-existing medical conditions. They come with affordable premiums designed to meet the different requirements and needs of travelers. Generally, the package will include delay or lost luggage, any cancellation of trips, emergency evacuation, medical and hospital expenses. Accidental deaths or any other add-ons can be arranged with extra charges.

Here are some tips on how to find a suitable travel insurance policy. First of all, you should check on your existing insurance policy before getting a new travel package to avoid having the same coverage. You would rather have other areas of protection than to waste your money paying for something which is already covered. The next step is the selection of the most suitable insurance plan for your trip. This will largely depend on the current situation of your choice of destination, for example is there an epidemic going on or perhaps the political situation is unstable and on. Some other factors will be age and health issue. And finally, know what you are buying or getting into. Read the fine prints and understand the areas of your coverage. Leave nothing to assumptions. Ask if you have doubts or need further clarifications.

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pNow that you know the importance of travel insurance, ensure that you do not leave your home for any trips without purchasing one. It is good to check around for comparisons in order to get the best value for your money. Here is a recommended site a target=_new href=http://www.columbustravelinsurance.org rel=nofollowhttp://www.columbustravelinsurance.org/A that will provide you with a range of comparisons as well as assist you in finding the perfect travel a target=_new href=http://www.columbustravelinsurance.org rel=nofollowTravel Insurance Policy/A./pbr
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Author: Jackson Alanbr
Source: ezinearticles.combr
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Unlike the past where traveling was restricted only to the well-off people, it is now feasible for most people to travel to different countries in the world. The main reason is due to the accessibility of cheap flights. Just the thought of traveling to other places, irregardless of trips within the country or abroad, is simply delightful and exciting. Whilst some people prefer scheduled tours as in a tour group, the more adventurous ones would enjoy venturing out on their own.

Whatever is their choice, it is vital to have proper planning as there are many places to travel around and things to do. We also have to be careful in planning our budget unless, of course, if we are very wealthy and spending money is not a problem at all. But for those who are traveling on a budget, there are certain expenses that should not be withheld. While insurance may seem unnecessary, it will come in handy when the need arises so we should seriously consider this issue and not to overlook the risks involved.

The travel quote by John Steinbeck which says, A journey is like a marriage. The certain way to be wrong is to think you control it reminds us that we are at the mercy of unexpected calamities and if we think we are able to control unforeseen happenings, we are merely fooling ourselves. In other words, happenings such as cancelled or delayed flights, lost baggage, injuries and accidents are beyond our control. So how can you assure of a worry-free vacation? How can you have peace of mind? The good news is travel insurance. It protects and provides a wide coverage, thus removing the load of insecurities and unnecessary worries from your holiday.

It is essential to look for insurance companies that are established, reputable and customer oriented. Such companies generally provide swift and efficient services. The key points when deciding on the insurance company are customer satisfaction and value for money. Usually, travel insurance packages come in a wide range and are specially designed to meet the individual needs of travelers, namely single or group insurance, business or adventure travel insurance and backpacker travel insurance. Other than that, there is also travel insurance for senior citizens as well as those having pre-existing medical condition.

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pThe premiums vary according to the coverage and are competitive and affordable. So hesitate no further and get your a target=_new href=http://www.columbustravelinsurance.org rel=nofollowTravel Insurance/A as soon as possible. It is advisable to check around and make comparisons in order to get the best package within your budget. Here is a popular and recommended site a target=_new href=http://www.columbustravelinsurance.org rel=nofollowhttp://www.ColumbusTravelInsurance..org/A should you decide to purchase your travel insurance now or if you have further enquires. And if you are getting a policy now, do ensure sufficient coverage in return for peace of mind./pbr
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Author: Meghana Kamdar
Source: ezinearticles.com

Let’s face it, getting travel insurance can be a very overwhelming and tedious process, making it easy to put off and even forget entirely. But before you head off on your international adventure, you might want to consider getting coverage through some travel insurance, just to be on the safe side.

With some luck, you’ll be glad it’s something you have and won’t need to use. But we all know that in life things happen, so it’s a good idea to find a travel insurance policy that fits your individual needs, travel agenda, and budget. Many travel agents and private companies offer travel insurance, and they have a wide variety of types and options to choice from.

What does Travel Insurance cover?

Basic coverage of travel insurance includes some financial losses while traveling, as well as limited medical expenses, including medical evacuation. The most common type of travel insurance is trip cancellation or trip delay insurance. This type of policy covers you and your travel companions in case you need to cancel, interrupt or delay your trip. However, the acceptable reasons for canceling or interrupting your trip will depend on the insurance policy, but most likely you’ll be covered for the following reasons:

Author: Patrick Chong
Source: ezinearticles.com

What!? I can’t voluntarily roll down a hill at break-neck speeds in an enormous ball and expect my cheap travel insurance to pay for my injuries? Absolute madness! While you may think Zorbing is a perfectly reasonable thing to do, it’s actually a rather bizarre idea when you think about it.

Zorbing is the latest craze in extreme sports, and is rapidly becoming a popular activity for tourists and holidaymakers in search of a bit of fun. It involves rolling and bouncing down a hill in an enormous inflatable ball, causing adrenaline rushes and excitement for the rider. While it is largely a safe activity, it may be worth checking the fine print on your holiday insurance, as some companies may have reservations about covering such activities. Perhaps one can’t really expect cheap travel insurance to cover voluntarily hurling oneself down a hill!

The Case of the Fractured Back

Perhaps the Australian journalist Rebekah Meltzer should have considered holiday insurance before she set off barreling down a hill. She was unfortunate enough to bounce off a hay-encased post on her downward journey. Her ride turned into something of a flight, as her Zorb became airborne, coming down with a thud after a short air trip.

Unluckily for Meltzer, her flight resulted in a fractured back. She was admitted into hospital later that evening, and remained there for a few days. It is highly unlikely that cheap travel insurance, or even more expensive travel insurance for that matter, would feel particularly inclined to cover any costs incurred as a result of this unwanted little flight.

An Unlikely but Deadly Scenario

It must be iterated that Zorbing is a fairly safe sport, and travel insurance companies are just being cautious by not covering it in standard holiday insurance policies. But the fact remains that you are essentially hurling yourself head-first down a hill in a plastic bubble, which makes most insurance brokers a little nervous to say the least.

And dreadful scenarios do happen. A Czech teacher and pupil made sad Zorbing history in a fateful accident. After receiving the necessary precautionary training, the pair set off on their bubble ride. A safety net was in place to catch them at the bottom of the hill, and all seemed to be going well with safety measures in place. But the net burst on impact, and the Zorb rolled on. Sadly, the teacher was killed and the pupil seriously injured.

Of course, taking out a travel insurance policy to cover this extreme sport would not have saved the teacher, but it would help alleviate some of the resultant costs for the teacher’s family and for the injured pupil.

Three Irishmen in a Hydro-Zorb

Hydro-Zorbing takes this sport to yet another level. It involves a couple of bucketfuls of water being emptied into the Zorb with you, where you slip and side in the water as the Zorb rolls around you. Three young Irishmen were after a bit of fun, and decided to try out the experience on their holiday. But unfortunately the unlikely did happen, and their cheap travel insurance policy probably wasn’t convinced that their actions fell within the realm of reasonable holiday activities.

One young man’s foot pierced through a weak point in the plastic, and he slipped into the outer part of the Zorb. He suffered cuts to his face, a black eye, and had to endure several collisions with his friends. While this was certainly an unlucky encounter, but if you’re planning to attempt Zorbing on your next trip away, you might want to consider upgrading your travel insurance policy to cover it.r

Patrick Chong is the Managing Director of Journey’s Travel. Their commercial travel insurance website, Insuremore, offers cheap travel insurance for families, couples and singles with a quick and easy online claims feature.

Author: Jackson Alan
Source: ezinearticles.com

Unlike the past where traveling around the globe is impossible, it is now achievable. Credit goes to the technology of transportation. While some people travel for business, others travel for pleasure. As quoted by St Augustine – “The world is a book and those who do not travel read only one page.” This quote has formed the basic foundation for many travelers today who desire to see the world and learn from its experiences.

There many other reasons for traveling too. But whatever is the reason, people are heading towards different destinations. That certainly entails for some sort of security which resulted in the establishment of travel insurance. The secret of traveling is to plan for the unforeseen and unexpected by having coverage. Irregardless of the duration of your trips, there are many good reasons for obtaining travel insurance. Listed below are seven valid reasons:-

1. Flight cancellations – If your flight is delayed or cancelled due to unforeseen circumstances, travel insurance should be able to provide accommodation for the night provided you are covered. Otherwise you may be left stranded at the airport or if prior to departure, you will have to bear the inconveniences caused.

2. Damage of loss of personal property – Very often travelers find their luggage missing and that is where travel insurance comes in helpful as it compensates the losses. Therefore, it is imperative to have your property covered.

3. Medical emergency – Travel insurance will supply financial coverage in the event of you falling sick or injuring yourself during your trip. If you are not covered, then you will have to fork out a hefty sum for treatment and hospitalization, bearing in mind that the cost for medical treatment overseas is highly expensive.

4. Car crash – Life is unpredictable, thus it is not surprising if unexpected incidents were to occur and in the event of any accidents, travel insurance will help to settle the payment.

5. Loss of cash or travelers cheques – Imagine you are in a foreign country where all your cash is either stolen or lost, surely your trip will turn into a nightmare. But if you have travel insurance, then you have peace of mind as financial aid will arrive quickly.

6. Existing medical conditions – As long as you have declared your existing medical condition, you will be covered even when you have a relapse while on vacation. That is why it is important to declare the truth. Failing which, your coverage will become null.

7. Emergency evacuations – With all the unpredictable and unforeseen happenings in the world such as outbreak of epidemic or civil war due to political issues, etc, travel insurance will help to get you out of the country as quickly as possible. This will protect you from endangering your life.

The above information has clearly indicated the importance of travel insurance. Act wisely and avoid any mishaps by getting Travel Insurance. If you need further information, do visit this site http://www.columbustravelinsurance.org

Author: Ricky Lim
Source: ezinearticles.com

Backpackers usually travel on a budget. But just like the average traveler, they are at a risk of injuries or accidents when abroad. Sometimes they’re even at a greater risk because they go from one country to another.

Whether they’re scuba diving in Cairns or trekking the slopes of Thailand, a traveler must have backpackers travel insurance. They tend to explore off the beaten tracks and if that is the case, then there is a higher possibility of them getting involved in robberies.

They are also prone to illnesses because they travel overnight or sleep in hostels or dorm rooms.

A practical traveler ensures that he is in good hands by purchasing backpackers travel insurance. He gets one before he leaves. Backpackers travel insurance is specifically designed to meet the needs of a traveler.

These plans offer high levels of coverage for long periods of travel. A traveler can get the backpackers travel insurance from one week to two years.

One must also remember that just because it’s called backpackers travel insurance, it does not mean that they will be roughing it.

Backpackers travel insurance serves as a cheaper and effective alternative to single trip travel insurance plans. In fact, some plans cover extras like sports and ski protection.

They might need this along the way because no one knows what may happen while they are traveling. When looking for backpackers travel insurance, there are the standards that the traveler must look out for.

Here are some features that must be included in the backpackers travel insurance. First of all, it must have the Emergency Medical Cover. This covers the cost of any event that needs urgent medical attention.

It must also have Rescue and Repatriation. This is the insurance that the costs will be paid by the insurance provider. Since rescue comes with the package, this includes helicopter rescue as well.

Other features are Personal Liability. This means that the insurance provider is legally responsible to cover any injury, accident, or harm that might be inflicted on the traveler. Then there’s Holiday Cancellation.

This is the need to make the trip short, just in case something comes up. The individual will then be compensated for the amount that was lost.

Also included in the insurance is the Baggage and Possessions Cover. Just in case the possessions of the traveler have been stolen or lost, then the insurance provider will cover the administrative costs that were incurred.

This includes paying for replacing the passport that has been stolen.

Discover where to buy cheap backpackers travel insurance online. Learn more about backpacker holiday insurance at my site.

Author: Justin Panos
Source: ezinearticles.com

There are bunch companies just waiting to sell you all kinds of travel insurance cover,including insurance for terrorist events and accidental death. What you need to consider is exactly what could most likely go awry and plan best for that situation.

Experts suggest you research a travel insurance plan thoroughly and make certain you are completely aware of the details of cover before you part with your money.

Something you must consider before you jet-off,

Comprehensive cover deals will most likely cover a bit of every major aspect of your trip including basic trip cancellation, luggage loss, and a basic medical and/or dental plan,If you will be participating in winter sports, diving or extreme sports, for instance, you may need separate cover tailored to the risks and needs associated with them. Better to pay for it than to be uninsured if things should go wrong. But,again,please shop around and find out best insurance fit with you.

There are several situations that Your insurer may not pay out,

1.If you are bringing valuables along with you ,for instance Mobile phone or digital camera equipment,you should never leave them unattended in your hotel room,accommodation or left unattended in any public area. If you wont be carrying valuables with you, they should be kept in a locked safe.

2.Multiple Excesses,if someone snatches your handbag And your camera falls out in the struggle and is smashed, you might have to pay two excesses. One for the theft of your handbag and one for the damage to your camera. Look out for this in the small print of your policy which is very important.

3.Most policies specifically exclude injuries or accidents that happen while you are intoxicated or the course of extreme sports.

Collect proof to claim when you back home,

1.Having proof helps hugely if you claim for these high value items,You should take photo and keep receipts for expensive items as well.

2.If your possessions are lost or stolen, report it immediately to the local police,if you are at the airport, report it immediately and get a receipt from the airline or baggage handler.

3. Get the right documents ready for medical,Before you leave check your policy document or contact the insurer to confirm what precise steps your insurance company requires you to take in a medical emergency.

4.Before you submit all supporting documentation to your insurer, you should copy them and Keep copies for myself.

Travel insurance helps you relax and enjoy your trip without agonizing over things that may or may not go wrong.

Keep your travel safely and smartly.More information about travel insurance, holiday insurance and working abroading insurance check out http://007travelinsurance.com