travel costs http://www.artwoo.com Returned search results for travel costs Copyright 2008 Sat, 22 Nov 2008 06:08:21 +0000 http://www.artwoo.com/rss/travel+costs The Benefits Of Holiday Travel Insurance http://www.artwoo.com/article/the-benefits-of-holiday-travel-insurance http://www.artwoo.com/article/the-benefits-of-holiday-travel-insurance#comments Fri, 18 Aug 2006 07:42:57 +0000 travel insurance policiesholiday travel insurancetravel insurance policytravel insurance companynatural calamitiestrip cancellationaccidents http://www.artwoo.com/article/the-benefits-of-holiday-travel-insurance accidents, wars, disease, 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. is one way of mitigating the financial risk of such unforeseen events or calamities.

There are a variety of holiday 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:

/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 depending upon the . 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. We are holiday travel insurance experts. Find all about travel insurance on http://www.lowcost-travel-insurance.info . http://lowcost-travel-insurance.info -- Your place for travel insurance ]]> Travel Health Insurance http://www.artwoo.com/article/travel-health-insurance http://www.artwoo.com/article/travel-health-insurance#comments Thu, 07 Sep 2006 06:27:11 +0000 travel health insurancemedical healthhealth facilitymedical evacuationinsurance companyayurvedic treatmentinsurance coverage http://www.artwoo.com/article/travel-health-insurance Travel health insurance is a type of insurance which provides health during traveling, usually in a foreign country. In this the insured pays an amount called the premium to the travel for the coverage. The coverage usually provides coverage for medical costs incurred during travel and in some cases also covers .

Travel health insurance usually comes bundled up with trip interruption/cancellation insurance, travel accident insurance, baggage loss, emergency evacuation and medical expenses coverage. The usual premium is about 200$ annually. However the premium depends a lot on your age, cost of trip (for single trip insurance coverage), the distance of trip, the nation to which the trip is being made, any preexisting health conditions etc. Some travel health insurance plans also cover accidental deaths and flight accidental death.

The plans that cover the medical costs on your trip include medical expenses, dental expenses, cost of treatment and cost of medicines. These covers come attached with lot of conditions like if you take medicines from unconventional medical sources like acupuncturists or , the costs will not be reimbursed.

However if you are already covered by a health insurance, it is prudent to check whether it covers outside the United States or whether it provides only for emergencies.

Medical Evacuation: travel health insurance provides for medical evacuation to nearest qualified facility. Here the catch is nearest medical and not to the US. So if you are traveling in an underdeveloped country, you may be forced to take medical treatment at a facility decided by the insurance company and is not decided by you. The treatment in the US is one of the best and other countries including Europe have a higher surgical mortality rate.

Repatriation of mortal remains. In case of death the travel health insurance company will bear the cost of returning the mortal remains of the insured.

There are other conditions like co-insurance, deductibles, exclusion, benefit period, pre-existing conditions etc which have to be carefully studied before buying a travel health insurance policy. We offer the travel health insurance best source. Find all about travel insurance on http://www.lowcost-travel-insurance.info . http://lowcost-travel-insurance.info -- Your place for travel insurance ]]> Should You Get Travel Insurance From Boots? http://www.artwoo.com/article/should-you-get-travel-insurance-from-boots http://www.artwoo.com/article/should-you-get-travel-insurance-from-boots#comments Sun, 01 Jul 2007 00:13:03 +0000 spend moneytravel insurancespending moneybootsrecharge your batteriesbad weatherthings go wrong http://www.artwoo.com/article/should-you-get-travel-insurance-from-boots recharge your batteries and re-focus. There are lots of great places to see in the world, and so many things you can do on holiday, but remember to spend a while thinking about the practical things before you go. , for example, is worth considering to make sure that should , you have something to fall back on.

The Costs Of Traveling

Taking a trip can be expensive =96 there are lots of things to on, from hotels, to train fares and flights =96 and then you need while you are away. These expenses quickly mount up and your holiday budget can be gone before you know it.

Since you are going to be spending so much money on traveling already, having Boots travel insurance is a great idea. No matter how much you are spending on your trip, and no matter how much your trip costs, once you spend money on something like a vacation, you don't want to lose that money in any way. There are many ways that money you have already spent can be lost when you travel.

As an example =96 the hotel could be overbooked, or your flights could be canceled due to . In cases like those, if you do not have travel insurance, you could find yourself in serious trouble =96 just imagine having to pay walk-up fares for a hotel while you wait for the airline to sort out a new flight.

Many places have fees that you are going to have to pay if your trip is canceled and it is not your fault. If your airline ticket is bumped, or if you aren't able to get into your hotel room for any reason, having Boots travel insurance could be the thing that saves your money.

What Does It Offer?

Boots travel insurance can be beneficial in a lot of ways. You can buy it just like most other policies =96 either in the store, or online, and then it will cover you should anything unfortunate occur while you are away.

If you have to pay for something unexpected =96 such as new reservations or a different hotel room, then the travel insurance will cover you. Should your baggage go missing, or you be robbed while you are on holiday, then Boots travel insurance will help you replace what you have lost, and get you your money back. You can count on Boots travel insurance to look after you while you are away. For more helpful articles and tips on travel insurance visit http://www.every1loves2travel.com and get the travel insurance policy that is right for you. ]]> Ski Travel Insurance -- 5 Reasons Why You Need It http://www.artwoo.com/article/ski-travel-insurance-5-reasons-why-you-need-it http://www.artwoo.com/article/ski-travel-insurance-5-reasons-why-you-need-it#comments Wed, 30 Jul 2008 04:22:23 +0000 ski travel insurancee111 cardbad weatherfive good reasonsskiing holidayski lodgesprivate clinic http://www.artwoo.com/article/ski-travel-insurance-5-reasons-why-you-need-it ski travel insurance there are still many who travel without full cover. There are plenty of things that go wrong on a , ranging from injury and equipment loss to and cancellation costs, and while it's easy to say "it won't happen to me", you can face enormous costs if run into trouble without insurance. Here are why you should invest in some decent ski travel insurance before your next trip abroad.

You have to cancel your holiday...

Your flights are booked, your accommodation is sorted, and you are ready to go -- but something forces you to cancel the trip. It could be an illness or death in the family, a sudden patch of bad weather at your destination that renders travel impossible, or one of a dozen other reasons. If this happens, you'd better have good insurance; a skiing holiday can be an expensive event to cancel at the last minute, but ski travel insurance will cover your cancellation costs.

You are injured...

The danger of skiing is part of the thrill for many, but it could be a costly thrill if you don't have insurance. If you are in Europe, your will only provide you with a discount on healthcare, and often medical treatment will take place at the ski lodge's , where the E111 will not help at all. If you are in Canada or America, your medical bills could be enormous -- an uninsured skier can expect to pay up to £25,000 to treat a broken leg in the USA. Even cheap ski travel insurance will provide you with significant cover for medical costs, and it is well worth paying for.

The slopes are closed by bad weather...

Nothing is more frustrating than being kept off the slopes by bad weather while on a skiing holiday, but insurance can at least help lessen the damage to your wallet. Most ski travel insurance will reimburse your costs if you can't ski for two or more days due to bad weather, covering the cost of lift passes, ski school fees, and any other expenses you suffer.

You lose your equipment...

There is always the chance that you will misplace some of your equipment while on a skiing holiday, through loss, damage or even theft. Good quality skiing equipment can cost plenty to replace, so make sure that your ski travel insurance will fully cover the value of anything that you take.

You need to be rescued...

Whether it is through injury, bad weather, broken equipment or an off-piste adventure gone wrong, there's always the danger that you'll find yourself stuck on the slopes. This happens more often than you'd think -- over 50,000 skiers a year are rescued from the French Alps alone. With the total cost of a helicopter rescue running at around £4000, if it happens and you aren't covered, you'll wish that you'd invested in some cheap ski travel insurance!Patrick Chong is the Managing Director of Journey's Travel. Their commercial travel insurance website, Insuremore, offers single trip and annual cheap ski travel insurance with a quick and easy online claims feature.]]> Am I Covered? Travel Insurance and Acts of God http://www.artwoo.com/article/am-i-covered-travel-insurance-and-acts-of-god http://www.artwoo.com/article/am-i-covered-travel-insurance-and-acts-of-god#comments Wed, 13 Aug 2008 17:29:21 +0000 hurricane katrina hit new orleansannual travel insurancetravel insurance companiescheap travel insurancetravel insurance policyseven plaguescheap annual travel insurance http://www.artwoo.com/article/am-i-covered-travel-insurance-and-acts-of-god annual travel insurance is hugely popular amongst UK holiday goers, allowing them to travel when and where they wish without having to worry about booking travel insurance for every single trip. Many people assume that their will cover them against every eventuality, but this isn't the case. There are plenty of exclusions in the average travel insurance document, and one of the most well known but least understood of these is the "acts of God" exclusion. What do mean by an act of God? And what might not be covered by your annual travel insurance?

What are "Acts of God"?

Traditionally, "acts of God" was a standard exclusion clause that featured in many different kinds of insurance; travel, housing, property and so on. Essentially, it refers to "a sudden and violent act of nature that could not have been foreseen or prevented", typically meaning natural disasters such as:

• Hurricanes and tempests

• Lightening storms

• Floods

• Earthquakes and volcanic eruptions

Mass outbreaks of infectious diseases are also often classed as "acts of God" (perhaps in some kind of biblical reference to the of ancient Egypt!). Essentially, the exclusion clause means that if an event is classed as an act of God, any costs that you incur as a result of it may not be covered by your travel insurance, and you will not be entitled to any compensation from your insurance company.

Nowadays, an actual "acts of God" exclusion isn't always in a , but most insurers still have similar exclusions in place under different names, such as "natural disasters". It may seem like a chore, but you really do need to read your travel insurance policy carefully before you go -- if you think you are covered for something and you aren't, you could end up paying a small fortune in medical and transport costs. When and Florida, hundreds of holiday goers found themselves caught out, unable to claim compensation for the costs incurred or the cancellation of their trips.

If you are travelling to a place that has a risk of natural disasters, make sure you talk to your travel insurance company to make sure your insurance will protect you.

What about Acts of War and Acts of Terrorism?

While acts of God is one of the most well known exclusion clauses, in today's international climate, terrorism is also a common exclusion. Much like natural disasters, if you incur costs or your holiday is cancelled because of terrorism, your travel insurance may well be invalid. If terrorism is a potential hazard for your destination of choice, check that your worldwide travel insurance will cover you against acts of terrorism -- some insurers do provide this kind of protection, but many do not.

Most travel insurance policies will be invalidated by serious civil unrest or if war breaks out in a country while you are travelling there -- the Foreign Office website is the best place to visit to check up on the political stability of your holiday destination, as it provides up to date and accurate information about the potential hazards of every country in the world.Patrick Chong is the Managing Director of Journey's Travel. Their commercial travel insurance website, Insuremore, offers for families, couples and singles with a quick and easy online claims feature.]]> Travel Insurance FAQ http://www.artwoo.com/article/travel-insurance-faq http://www.artwoo.com/article/travel-insurance-faq#comments Mon, 10 Sep 2007 07:25:08 +0000 trip travel insurancetravel insurance protectionbuy travel insurancemedical care coverageunfortunate eventmedical facilitytravelers http://www.artwoo.com/article/travel-insurance-faq travelers usually have heard about travel insurance, but might not know the specific reasons why they need travel insurance. This is an important article about frequently asked questions for travel insurance. This article also provides a link for further reading about travel insurance.

What is ?

Travel insurance is a type of insurance that covers you financial for any losses or illness that may unfortunate occur while you is on your trip. Travel insurance can be bought for international or national (within your country) trips.

Why should I ?

Since travel insurance protects you while traveling, this will help and provide the necessary protection you will need in the occurrence of a . Any individual traveling anywhere without travel insurance will be in a dangerous situation if an accident occur.

What is the coverage for travel insurance?

Travel insurance should provide coverage for medical cost, transportation to a , and reimburse you for certain or some nonrefundable costs due to a interrupted trip, and financial loss of funds.

How much does travel insurance cost?

How much the cost of your travel insurance will be depends on your insurance company provider and their policy. The cost of travel insurance usually will range up to 12 percent of the cost of your vacation/trip.

Is travel insurance really important and how many people actually get paid for their claims? Travel insurance is highly recommended, there are usually about 10% of people who file claims. Sometimes some travelers make have taken a overly expensive trip that they would have to pay out of their own money if they have not bought travel insurance.

What is the ?

When there is a case of illness or serious injury, medical transportation to an appropriate medical facility, and medical treatment will be covered. You should also have coverage for if it is deem necessary to bring you back home.

Does travel insurance cover business trips?

This will depend on the insurance company. Most insurance companies will provide travel insurance for a business trip, but the coverage may be separate from the standard coverage.

How long will travel insurance provide coverage for me?

You can often buy travel insurance starting from as little as two weeks, up to a year. Different insurance companies may vary with their service of coverage.

When is the best time to buy travel insurance coverage?

The best time to buy travel insurance is as soon as possible before you go on your trip or vacation. You want your travel insurance active during your whole trip.

What will happen if my money is lost or stolen?

If you can not receive traveler checks replacements many insurance companies provide a service where a travel agent can arrange a money transfer or traveler check for you to receive. You will have to ask more about this to your travel insurance provider. Recently updated articles can be seen at http://www.afinanceblog.com/ ]]> Annual Travel Insurance: Do You Need It? http://www.artwoo.com/article/annual-travel-insurance-do-you-need-it http://www.artwoo.com/article/annual-travel-insurance-do-you-need-it#comments Fri, 17 Oct 2008 07:15:25 +0000 annual travel insurancetravel insurance planssingle trip insuranceinsurance premiumsannual insurancefamily holidaystown friends http://www.artwoo.com/article/annual-travel-insurance-do-you-need-it travel insurance plans are created equally. There are different types of travel insurance and you need to be sure that you are making the purchase that best meets your needs.

One type of travel insurance is called . It's not for everybody, but it can save you a lot of money if it meets your needs. Annual travel insurance is just like all other types of travel insurance except that it covers all of your travels for an entire year instead of only covering one trip. This type of insurance is perfect for people who travel several times throughout the year.

There are many benefits that come along with annual travel insurance. For starters, the premium for is much lower than that of several single-trip insurance plans. There is also less hassle. You only have to purchase one plan instead of purchasing a plan each time you travel. All in all, annual travel insurance is a great deal if you do quite a bit of travelling.

There aren't many drawbacks associated with annual travel insurance, but there can be if you use it incorrectly. are non-refundable, so you need to be sure that you will be travelling extensively throughout the year before you purchase an annual plan. Remember; annual insurance costs more than a single-trip plan. If you only plan to travel one or two times, it might be more economical to purchase single trip plans rather than take out an annual policy.

So, is annual travel insurance for you? Answer the following questions. If you answer yes to any of the questions, you should look into obtaining annual travel insurance.

• Do you take several, short throughout the year instead of one long holiday?

• Do you travel extensively with your job?

• Do you visit out-of- and family often?

• Do you own a holiday home that you plan to spend a lot of time at?

• Do you have ageing or ill family members that might not be able to complete a short trip?

If you answered yes to any of the above questions, you should investigate annual travel insurance further. An annual policy may end up saving you money, but only if you spend a lot of time on the road. If you travel more than a handful of times each year, you should probably purchase annual insurance rather than trip insurance. However, if you only travel two to three times per year, you might want to compare prices before you make your final decision.

Travel insurance is a necessity, but you shouldn't have to pay a king's ransom to get it. Always purchase the best coverage you can get at the best possible price. Beware of cheap, skimpy policies. Always make sure that you know exactly what coverage you're getting for the price.Steven Clarke - Marketing Manager for www.mytravelinsurance.org.uk. We offer a travel insurance service which compares all the UK's travel insurance deals to find you the cheapest insurance quote.]]> Travel Insurance For Peace Of Mind During Your Travels http://www.artwoo.com/article/travel-insurance-for-peace-of-mind-during-your-travels http://www.artwoo.com/article/travel-insurance-for-peace-of-mind-during-your-travels#comments Thu, 21 Dec 2006 00:27:09 +0000 travel insurance policycomprehensive travel insurancetravel insurance coveragetravel insurance companylost luggagepassportstravel medical insurance http://www.artwoo.com/article/travel-insurance-for-peace-of-mind-during-your-travels
Just try to imagine the gravity of an emergency situation where you have to deal with an emergency medical situation due to an illness or an accident or injury. Any of these situations can throw you into a panic if you are not adequately prepared. And this preparedness comes from having travel insurance.

So next time you start planning for your next vacation, also include the cost of the into your budget. Remember, without travel insurance your planning remains grossly incomplete. Even if you consider yourself in a perfect state of health, you cannot predict when accidents or sickness may befall you. Travel health insurance helps you to be on the safe side, so that you do not get hit with a huge medical bill.

Here is some basic information about travel insurance that will help you be well prepared for anything unexpected during your travels:

* Travel insurance in general does not just cover your medical expenses abroad, but also extends coverage to and other personal belongings including and money. Repatriation costs are also included in the coverage and the costs incurred due to cancelled or delayed flights are also covered by the travel insurance. If you happen to damage items belonging to a third party, you get liability coverage from your . If you want all these expenses covered by your , you should purchase a comprehensive .

* Most travel insurances generally cover trip cancellation, trip delays, medical and dental expenses, emergency medical transportation, lost luggage, missed connection, itinerary changes, accidental death, any kind of default on the part of airlines, cruise lines and tour operators.

* It is recommended that you buy your travel insurance policy directly from the insurance company, rather than having it as an add-on to your travel package from your travel agent. This will give you considerable savings on the cost of the travel insurance and you will be able to buy a policy with more comprehensive features.

* Do not judge a policy on the basis of its price alone. A cheap policy does not necessarily mean it is a bad policy. On the other hand the more expensive policies may lack some of the more important features. So shop around on the internet, compare the travel insurance quotes and find a travel insurance product that caters to all your needs while traveling abroad.

* Last of all, do not take any travel insurance policy for granted; go through it in detail, take note of the disclaimer and make sure that you do not get cheated on the important provisions of your coverage. Before your next vacation make sure to purchase a Travel Insurance at http://www.affordabletravelinsurance.info and http://www.affordabletravelinsurance.info/travel-and-medical-insurance.php. For more articles on Travel Insurance go to http://www.mynicheblog.info. ]]> Free Tips On Finding The Best Travel Deals http://www.artwoo.com/article/free-tips-on-finding-the-best-travel-deals http://www.artwoo.com/article/free-tips-on-finding-the-best-travel-deals#comments Tue, 25 Jul 2006 00:27:10 +0000 travel dealspeople traveltravel shopperstravel consumersdiscount travelfinding traveltravel agent http://www.artwoo.com/article/free-tips-on-finding-the-best-travel-deals travel deals were only available through select agents and companies who promised to offer the lowest prices. However, individuals can now often obtain the same rates themselves as if they were to use a . Not only that, but consumers have the convenience of handling all of their own arrangements while still enjoying the benefits of the best travel deals anywhere.

Regardless of whether you are planning a business trip or a much anticipated family vacation, the cost of travel can be significant. From the transportation to the accommodations, traveling is not cheap. If you learn how to find the best travel deals, then you can put some extra bucks back into your wallet where they belong.

When it comes to travel deals, most shoppers turn to the internet for the best prices on their hotel and transportation. The reason is because online discount are often tempted with special internet-only rates, discounts for early reservation and the ability to receive and print and instant confirmation.

There are no huge secrets to deals, but rather some facts that will help you to find the best deal possible. One such recommendation is that, if feasible, you should plan to travel on a weekday. In general, rates for both transportation and hotels are more expensive on the weekend simply because that is when most . If arrangements are made on a weekday, the costs can be significantly less. The same is true of holidays, which is when a large number of people travel in order to spend time with their family. The costs during this time can add up quickly, so traveling a little earlier or later than everyone else could save you a bundle on .

Consumers should always make their hotel and transportation reservations as early as possible. This includes airfare, train tickets or even car rentals. The earlier the reservation is made, the better selection the consumer will have. The same is true of hotels and accommodations, which often book up early if they feature additional amenities, including a kitchenette, view, suite, etc.

Travelers who opt for making their travel deals online are in for a treat. Finding themselves with an array of choices, photos and detailed information are just a few of the benefits linked to snagging online travel deals. One of the most important things to remember when it comes to discount travel is that special rates are often non-refundable. For this reason, it's recommended that travelers review the company's cancellation policy and understand how any special pricing may relate to that policy. Learn more about travel deals - visit our website at http://www.traveldealsguide.info for travel deals articles and reviews. ]]> 5 Reasons to Get Business Travel Insurance http://www.artwoo.com/article/5-reasons-to-get-business-travel-insurance http://www.artwoo.com/article/5-reasons-to-get-business-travel-insurance#comments Sat, 20 Sep 2008 21:29:34 +0000 travel insurance packageswork colleagueimportant companiescourier deliverybusiness tripsbusiness equipmentlong trip http://www.artwoo.com/article/5-reasons-to-get-business-travel-insurance long trip abroad, to visit critical clients and other are a vital part of keeping any business running successfully; and for every trip, you'll need some kind of business travel insurance. If you only have to travel every once in a while, single trip cover may be sufficient, but if you travel many times each year you'll want to invest in some annual business travel insurance. Either way, there's no excuse to scrimp: here are five situations when the small cost of insurance could save you a lot of hassle...

The other company cancels the meeting at the last minute...

An ordinary holiday can be cancelled for all kinds of reasons, but for a business trip there are even more factors that can lead to a meeting being cancelled or rescheduled, leaving you or your company to foot a significant cancellation bill. Business travel insurance will cover cancellation as standard, so even if things change at the last minute, your costs will be covered.

You fall on or before the trip...

If you fall ill on or just before a crucial business trip and there is no-one to replace you, the consequences for your company could be catastrophic. Most good business will cover the cost of replacing you with a (including their flights and accommodation) so that the trip can be concluded successfully in your absence.

Some vital equipment is lost or stolen...

Whether it is a PDA filled with important information on it or an expensive laptop with a crucial presentation, most business trips can revolve around a vital piece of equipment -- if it is lost or stolen, it can hurt your wallet and ruin the business trip. Annual business travel insurance will provide you with year round cover for that is lost or stolen while you are away (and in most cases, they will pay for a of the new item.) Of course, the data may be irreplaceable, so make sure that you back up any critical information on a USB stick.

Business travel is excluded from your existing insurance...

Many people assume that they have cover for business in the annual travel insurance they already have, but this often isn't the case. Many travel insurance policies are for holidays only and have exclusions for business travel. Read the small print carefully, and make sure you get full travel insurance for business trips if you aren't covered.

You need to be hospitalised after an accident...

Whether it is just a cracked rib or something much more serious, medical care abroad while you are uninsured is no laughing matter. With so many business trips to America (which can have medical costs running into thousands of pounds) it really pays to have some decent business travel insurance. As outlined above, many standard travel insurance policies exclude business trips, so make sure you get the right kind of cover and avoid the threat of massive medical costs.Patrick Chong is the Managing Director of Journey's Travel. Their commercial travel insurance website, Insuremore, offers cheap annual business travel insurance and offer a quick and easy online claims feature.]]> Annual Travel Insurance Vs Single Trip Travel Insurance: Which Is Better? http://www.artwoo.com/article/annual-travel-insurance-vs-single-trip-travel-insurance-which-is-better http://www.artwoo.com/article/annual-travel-insurance-vs-single-trip-travel-insurance-which-is-better#comments Thu, 09 Oct 2008 21:50:21 +0000 trip travel insuranceannual travel insurancetrip policiesunforeseen circumstancescouple of times a yearpolicy studentstime fee http://www.artwoo.com/article/annual-travel-insurance-vs-single-trip-travel-insurance-which-is-better unforeseen circumstances that may befall you on a trip. Travel insurance can help cover expenses if you become ill or injured, lose your luggage, have a car accident or have to change your plans due to weather or illness.

There are two basic types of travel insurance: and single . Annual travel insurance is purchased annually and covers all of your travels for the entire year. Single trip travel insurance is purchased at the beginning of each trip and is only good for that trip.

There are benefits and drawbacks associated with each type of travel insurance. The following two sections will address the pros and cons of each.

Pros and Cons of Annual Travel Insurance

When you purchase annual travel insurance, you pay a one-. This fee covers the cost of the insurance for the whole year. If you travel a lot, this price is almost always less than you would pay for multiple single-. But the price for annual travel insurance is also more than you would pay for one or two single-trip policies. So you need to have a clear idea of how often you will use the insurance before you spend the money for it.

Annual travel insurance is ideal for people who travel a lot. Business professionals, people with family living abroad, and families with holiday homes usually benefit the most from such a policy. Students who have to travel back and forth from school may also benefit from this type of policy.

Pros and Cons of Single Trip Travel Insurance

Single trip travel insurance is the most cost effective way to purchase travel insurance if you only have need of it a . It is spontaneous. You can purchase travel insurance prior to any trip even if it is spur of the moment. It is also inexpensive. Single trip travel insurance normally costs about four to seven percent of the entire cost of any prepaid trip.

If you make a lot of spontaneous trips, however, you could end up spending more than you bargained for if you purchase a separate policy each time you leave town.

Both annual and single trip travel insurances offer the same coverage. The only real discrepancy between them is cost. Therefore, you need to choose the most cost effective way to purchase the insurance that best meets your needs. If you have any doubts, talk to a travel agent. They will be able to help you compare prices and coverage options. The most important thing is that you always travel while insured. You need to be prepared for everything that may happen.Steven Clarke - Marketing Manager for www.mytravelinsurance.org.uk. We offer a travel insurance service which compares all the UK's travel insurance deals to find you the cheapest insurance quote.]]> Travel Pet Insurance http://www.artwoo.com/article/travel-pet-insurance http://www.artwoo.com/article/travel-pet-insurance#comments Sat, 27 May 2006 12:32:05 +0000 travel pettravel insurance policiespet travelinsurance traveltravel policyhuman travellocal travel http://www.artwoo.com/article/travel-pet-insurance local travel agent and book tickets for the whole family to that exotic seaside tropical location you have always wanted to visit but have to put off because everyone else at home didn't want to leave Fido in the kennel, you might want to consider getting you and your family some travel insurance -- including that all important insurance.

A number of leading pet insurance providers now offer pet owners travel pet insurance to give pet owners the comfort of knowing whether they are far away in exotic places enjoying the sun and sea or closer to home enjoying the cultural delights of Europe, their pet will be insured against any illness or mishap that may unfortunately befall them.

Typically, included in the travel pet insurance is:

- x-rays - injections - lab tests - prescriptions - costs while they stay at the vet and recuperate

Keep in mind, however, that as with other types of insurance, travel pet insurance usually comes with what is known as an excess. In short, what this means is that you -- as the owner if the pet -- will be required to pay a certain amount until a threshold amount is reached. Thereafter you can claim for a reimbursement against the insurance provider. However, unlike humans, travel pet insurance premiums are usually calculated on the type of animal you have and the age of the animal. As such, it is possible to leave arranging the travel pet insurance policy until the last minute, then purchasing this online once you have decided that you will definitely be taking your family pet away with you on your family holidays!

Moreover, as with human , insurance can be purchased either as annual policy or as a one-off . If you get an annual pet travel policy, this means you can take your pet with you whenever you travel one of the 25+ countries outside of the UK which the UK government currently has arrangements for the 'passport for pets' scheme, or any of the European Union countries (which are all part of the 'passport for pets' scheme already). Alternatively, with one-off pet travel insurance policies you need to name the country you are going to visit and the dates you'll be there and the policy will only cover you for the duration and place stated. Joe Kenny writes for the finance sites http://www.cardguide.co.uk and also http://www.ukpersonalloanstore.co.uk ]]> Travel Insurance -- Read the Small Print! http://www.artwoo.com/article/travel-insurance-read-the-small-print http://www.artwoo.com/article/travel-insurance-read-the-small-print#comments Thu, 31 Jul 2008 11:36:30 +0000 cheap travel insurancediscount travel insurancetravel insurance policytravel insurance policiesrisk activitiesstandard insurancemassive costs http://www.artwoo.com/article/travel-insurance-read-the-small-print cheap travel insurance available more widely than ever before, the vast majority of travellers will buy some kind of insurance policy before they go away. But how many people actually know what they are buying? Very few people read through their policy thoroughly enough, leaving themselves vulnerable to and missed claims. Here are a few of the things you need to check for when looking through your .

Hazardous Sports and Activities

Worldwide travel insurance may cover you in every country, but it won't cover you for every activity! You need to check the small print of your policy carefully -- basic and cheap travel insurance usually won't cover more dangerous sports and activities like rock climbing, snow boarding and bungee jumping. Of course, these more high are much more likely to result in injury, leading to some seriously expensive medical costs if your travel insurance isn't comprehensive.

Pre-existing medical conditions

This is relatively well known, but it still catches people out when they are buying . will NOT cover you if you have a pre-existing medical condition, including asthma and diabetes -- you will have to get specialist insurance with higher premiums in order to be fully covered.

Death in the family

If you have to return home in a hurry due to an illness or death in the family, even cheap travel insurance usually has some kind of cover for your travel costs in the 'Curtailment' part of the policy. But be aware -- there are a number of terms and conditions you need to be aware of. It won't cover you if your close relative is suffering from a pre-existing medical condition or long term illness that you are already aware of. are also very specific about who counts as a close relative; usually you'll only be able to claim if the relative in question is a parent, grandparent, partner, child or sibling.

Travellers Over 65

Fortunately, most travel insurance companies make this restriction fairly explicit, but not all! If you are over 65, you will need to get specialist travel insurance, and the price is likely to go up significantly since older travellers are considered to be higher risk.

Reckless behaviour

Many people think that once they have their worldwide travel insurance that they have a free rein to do whatever they like and their insurance company will bail them out. Not so -- most travel insurance companies (reasonably enough) won't cover you for what is deemed to be reckless behaviour, especially if you are under the influence of alcohol or drugs at the time.

Theft, Receipts and Police reports

If you've been the victim of theft, make sure that you report it to the local authorities. They may do little more than give you a reference number, but without this reference a travel insurance company is not likely to process your claim. Keep the receipts for any valuables you take with you as well -- if you can't prove ownership of a valuable item in the first place, you'll struggle to make a successful claim if it is taken.Patrick Chong is the Managing Director of Journey's Travel. Their commercial travel insurance website, Insuremore, offers cheap travel insurance for families, singles, children and skiers with free cover against acts of terrorism and a quick and easy online claims feature.]]> Travel Insurance and the New Equality Bill http://www.artwoo.com/article/travel-insurance-and-the-new-equality-bill http://www.artwoo.com/article/travel-insurance-and-the-new-equality-bill#comments Thu, 14 Aug 2008 14:36:17 +0000 travel insurance companiescheap travel insurancetravel insurance industryworldwide travel insuranceequality billpositive discriminationrisk clients http://www.artwoo.com/article/travel-insurance-and-the-new-equality-bill cheap travel insurance when they holiday abroad. With available for only a few pounds for a single trip and companies offering fast booking online, getting insured has never been easier or cheaper. However, new government legislation, which may come into effect by the end of the year, could change the way the operates.

What is the ?

At the end of June 2008, the government announced a new Equality Bill that will be debated in the House of Commons in August. The bill covers a variety of equality issues, but its main aims are to close the gender divide on pay, allow a degree of towards minorities in the recruitment process, and to eliminate age discrimination in a variety of areas. If the legislation comes into force, many businesses (including ) will no longer be able to charge those who are over the age of 65 more for their services, and will not be allowed to refuse older customers products or services because of their age.

Why does travel insurance cost more for over 65s?

Over 65s can find insurance for their holidays abroad, but it usually isn't cheap; travel insurance for older travellers usually has to be purchased through specialist providers, and typically costs significantly more than standard insurance policies.

Travel insurance companies charge over 65s higher insurance premiums because they are regarded as higher . Statistics show that, while over 65s are not significantly more likely to claim on their travel insurance while on holiday, when they do claim it costs travel insurance companies on average 10 times more than usual, usually due to the longer period of time older clients spend in hospital.

What will change in the future?

The new legislation is of obvious benefit to older travellers who struggle to find comprehensive and cheap travel insurance. However, there is a danger that insurance premiums will rise for all customers. Travel insurance companies have been able to provide good cover at low prices precisely because they have been able to adapt their prices to the estimated level of risk of the client. The increased cost of insuring older travellers may end up being passed on to everyone who buys travel insurance.

One possible solution that has been suggested is that potentially higher risk insurance customers (such as the over 65s) should be individually assessed to see if they should be charged higher premiums. However, while this may help to provide a fairer way of assessing customers for their insurance costs, it could spell the end to quick and simple online booking. With the volume of clients clamouring for travel insurance assessing individual customers may be a logistical nightmare -- and a costly one as well!

It remains to be seen how the travel insurance industry will be affected if the new Equality Bill comes into effect. Whether prices go up, assessment becomes the standard or online booking becomes the exception rather than the rule, it looks like things are going to change -- and the days of cheap travel insurance could well be numbered!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.]]> 5 Most Common Travel Insurance Claims http://www.artwoo.com/article/5-most-common-travel-insurance-claims http://www.artwoo.com/article/5-most-common-travel-insurance-claims#comments Sat, 20 Sep 2008 23:01:32 +0000 worldwide travel insurancecheap travel insuranceminor inconvenienceshelicopter evacuationfrequent travelinsurance claiminsurance claims http://www.artwoo.com/article/5-most-common-travel-insurance-claims cheap travel insurance, there is no good reason to risk travelling uninsured. There are plenty of accidents that can befall the unlucky traveller abroad, and if you have insurance, these accidents will likely be -- if you don't, they could turn into expensive disasters.

Almost two million travel s are made every year by people from the UK, ranging from refunds on cancelled flights to the payment of costly medical bills abroad. While a great variety of claims are made, some are much more common than others. Here are the five that you are most likely to make while on holiday abroad...

1. Medical Costs

With almost a third of recorded claims involving medical bills, this is by far the most common travel insurance claim. It is also the most expensive, at an average of almost £500 per claim, with insurance in America, Canada and Europe being especially expensive. Medical bills abroad can range from a few hundred pounds for basic treatment and medication to tens of thousands of pounds for or emergency repatriation. With prices that high, it is well worth investing in some to cover you wherever you go!

2. Lost Baggage

After the disaster at Heathrow's Terminal 5 on its opening day (where thousands of pieces of luggage were misplaced), people are now much more aware of the risk of lost baggage. It is a common problem for holiday goers; indeed, it is the second most common travel insurance claim. The loss of personal items can be a frustrating inconvenience, but your travel insurance will cover the cost of replacing your lost possessions.

3. Cancellation of Flights

Many people buy their insurance at the last minute, but the threat of cancellation is an important reason to book up your worldwide travel insurance as early as possible -- this is the third most insurance claim. Whether it is because you have to cancel the holiday yourself due to a family or personal emergency, or because the airline cancels the flight, having cover for this is essential -- the average cost of cancellation is just under £400.

4. Travel Delay

If your journey is delayed it can lead to plenty of unforeseen costs, including last minute accommodation and paying for alternate transport, and it is fourth on the list of common travel insurance claims. Worldwide travel insurance can help to cover the costs associated, so next time you are sitting in an airport waiting for a delayed flight, at least you'll know that your insurance is there to ease the cost!

5. Lost or Stolen Money

Cash is all too easy to misplace while on holiday, and is also the main target for pickpockets, casual thieves and conmen. Unsurprisingly, it is the fifth most common travel insurance claim made by UK travellers. A worldwide travel insurance policy typically features cover for the loss of money, so that if your wallet is stolen or misplaced you'll have your cash replaced.Patrick Chong is the Managing Director of Journey's Travel. Their commercial travel insurance website, Insuremore, offers cheap worldwide travel insurance and offer a quick and easy online claims feature.]]> The Importance Of Travel Health Insurance http://www.artwoo.com/article/the-importance-of-travel-health-insurance http://www.artwoo.com/article/the-importance-of-travel-health-insurance#comments Fri, 06 Oct 2006 20:27:08 +0000 travel health caretravel insurance policytravel companionsrate travelhealth care packagetravel agenthealth care insurance http://www.artwoo.com/article/the-importance-of-travel-health-insurance
You never know when misfortune strikes, heart attacks, missed flights, natural disasters may all be covered under a . Although it won't prevent the crisis, it would considerably improve the situation after the fact.

There are many types of travel insurance. You can purchase basic insurance that helps you in the event that you are moved off a flight or you missed your cruise to types that cover issues such as loss, health issues or theft. There are policies that are purchased before the trip or during the trip. For example if you broke your leg just before a walking tour of England, your insurance would cover deposits or pre-paid costs likewise if you were on your trip and your leg was broken, then you can have it attended to without worrying about the exclusion or inclusion of various treatments on your current policy.

The travel insurance can be purchased from an insurance agent or a . The policy may vary in duration. It can be set, for example for two weeks, or be bought on a day to day basis, or for the package holiday, you may have a flat rate.

insurance is very useful. You may get coverage for things you don't consider when traveling, such as injury or death to yourself, family members or ; accidents and the like that end up in hospital; ambulance costs; medi-copter; urgent dental care; and things like transportation back to the US, and evacuation. Many comprehensive insurance policies in the US may not protect you from occurrences abroad.

When planning a trip, go through your current and review exactly what you are covered under to figure out what you might need if you travel abroad. Don't hesitate to contact your provider if you are unsure about any part of your agreement. Make sure you understand what documents you need to carry and if you are traveling with others find out whether you need to purchase individual insurance coverage or whether you can get a group policy. This would reduce the costs involved in buying duplicate coverage.

Travel health insurance can be a lifesaver but it may not be needed at all. Whether it is needed or not depends on you and how much risk you want to take. It also depends on the nature of your trip. A trip like white water rafting or going to Africa may be more risky than a train tour. It also depends on what you can afford. Figure out how much the expenses are and the risk and the price of peace of mind before you get your policy. Geoff Spencer is a staff writer at http://www.insurance-gazette.com and is an occasional contributor to several other websites, including http://www.onlinebusinessgazette.com. ]]> Do You Need Travel Health Insurance? http://www.artwoo.com/article/do-you-need-travel-health-insurance http://www.artwoo.com/article/do-you-need-travel-health-insurance#comments Mon, 07 May 2007 22:19:58 +0000 health insurance policytravel health insurancehealth insurance coveragetrip cancellation insurancetravel insurance companytravel insurance plansayurvedic treatment http://www.artwoo.com/article/do-you-need-travel-health-insurance health insurance policy.

A policy is a type of cover that provides the insurance holder, during traveling, especially in a foreign country. Here, the insured is required to pay an amount known as the premium stipulated by the to avail benefits.

Usually, the coverage provides compensation for medical costs incurred by the insured during travel. In some special cases, the insurance policy also covers for medical evacuation.

A travel health insurance policy comes in combination with the following expenses coverage.

a) b)Trip interruption insurance c)Travel accident insurance d)Travel baggage loss insurance e)Travel emergency evacuation insurance f)Travel medical expenses insurance

Usually the premium for travel health insurance amounts to $200 on an annual basis. However, the premium you pay towards your travel health insurance policy also depends a lot on your age, the distance of trip, any preexisting health conditions, cost of trip and the nation to which trip is being made. Some special also cover accidental deaths and flight accidental death.

The travel health insurance plans that cover the medical costs of your trip will include cost of treatment, medical expenses, cost of medicines and dental expenses. These covers are available with many conditions. For instance, if you take medicines from unconventional medical sources such as or acupuncturists, the health travel insurance company will not reimburse the money to you.

In case, you are already covered by a health insurance policy, it would be wise to check whether it covers outside the United States or whether it offers benefits only in case of emergencies.

Also check out whether your travel health insurance company provides you the benefit of medical evacuation cover. It is very important especially if you are planning to travel outside the country. Usually, a travel health insurance policy provides medical evacuation facility to nearest qualified medical health facility. Here, you would not be evaluated to the United States. You would be transferred to the nearest medical health facility. Hence, if you are traveling in an under developed country, you may have to settle for medical treatment at a health facility decided by the travel health insurance company and not by you.

Another cover provided by travel health insurance policy is the repatriation of mortal remains. In the event of death of the insurance holder, the travel health insurance company will bear the cost of returning the mortal remains of the insured. You should also carefully study some other conditions prior to deciding on for a particular travel health insurance policy. These conditions include the following:

a)Co-insurance b)Deductibles c)Exclusions d)Benefit period e)Pre-existing conditions.

Don't ignore travel health insurance. It will play a vital role in providing you peace of mind while traveling to a foreign country. You don't need to worry about medical expenses, hospital treatment and sudden illness expenditure while traveling.

You can save a lot of money on your medical expenses when traveling via a travel insurance policy. It is like hiring a qualified caretaker to see your safety while you travel. For more information on health insurance, try visiting http://www.healthinsurancedecision.com - a website that specializes in providing health insurance related tips, advice and resources to include information on travel health insurance. ]]> Going On Holiday? Three Rules To Ensure You Are Properly Covered http://www.artwoo.com/article/going-on-holiday-three-rules-to-ensure-you-are-properly-covered http://www.artwoo.com/article/going-on-holiday-three-rules-to-ensure-you-are-properly-covered#comments Thu, 03 Aug 2006 10:27:16 +0000 travel coverstreet traveltravel companyuk travel insurancetravel agentsbuy travel insurancefsa http://www.artwoo.com/article/going-on-holiday-three-rules-to-ensure-you-are-properly-covered
The second rule is to shop around for it. Many people buy their travel insurance as part of their holiday package, not realising that they can probably get a cheaper policy -- with the same or even better level of cover -- elsewhere.

You are not obliged to from your -- there are many online specialist sites (such as www.protection-insurance.com or www.uk-travel-insurance-online.co.uk) that have quick and easy access to online quotes and can save you up to 50% on premiums!

Holidaymakers should also be aware that you are not fully protected by the Financial Services Authority () when buying standalone travel insurance cover from High agents such as Thomas Cook and Thomson. Therefore, using one of the many FSA registered online facilities will give you peace of mind that the policy is valid.

The third and final rule of buying travel insurance is to understand different levels of that are available -- for example, gold, silver and bronze. When comparing the cost of travel insurance, it is imperative you compare like with like to ensure you get the right level of cover at the right price.

....And if you are still not sure of the importance of travel insurance .. then read on...

Bernie P (40), an avid skier from London never really valued the importance of travel insurance, seeing it as a 'formality' when arranging holidays. However, a near fatal skiing accident in March last year brought it home to him, with hospital and repatriation bills totalling over £45,000.

His travel insurance policy covered all the medical and transportation costs both in Austria (which included being airlifted off the Alps, two weeks spent in a coma in hospital and treatment for 10 broken ribs, a ruptured spleen, a collapsed lung and a smashed hip joint). The policy also continued paying for further operations once he was back in the UK, including a hip re-build operation.

Over a year on, Bernie is 99% fit and has just returned from a skiing holiday. He says: "Without the travel insurance policy, I wouldn't be as fit and well as I am today. I got the best in medical treatment without the worry of paying the bills".

Polar Loans is a marketing and a trading style of Speedie Consultants Limited. In conjunction with our partners, we have created a Loans broking service which not only provides you with great rates and exceptional customer service but also gives back to the environment. Polar Loans - http://www.polarloans.co.uk ]]> Taking A Vacation Without Being Taken In By A Travel Agent http://www.artwoo.com/article/taking-a-vacation-without-being-taken-in-by-a-travel-agent http://www.artwoo.com/article/taking-a-vacation-without-being-taken-in-by-a-travel-agent#comments Sat, 12 May 2007 00:25:02 +0000 coastal vacationscoastal vacationtravel agentagent commissionstravel agentstime consumershotels http://www.artwoo.com/article/taking-a-vacation-without-being-taken-in-by-a-travel-agent Travel agents earn a large amount of this money by receiving commissions on flights, , cruises and even rental cars from s. Consumers pay these travel through hidden fees or other costs for their coastal vacation.

The high costs of travel ground many people who dream of taking a coastal vacation to forget their troubles and everyday life.

Eliminating the commission paid to a travel agent can make a vacation more affordable and attractive to almost anyone. A consumer can save 10 to 25 percent on a coastal vacation if they do not use a travel agent.

Most major airlines eliminated travel agent commissions in recent years. Many travel agencies now make money by charging for their advice for coastal vacations. This "advice" costs anywhere from $60 to $80 an hour.

Yet most consumers still choose this costly option when planning a coastal vacation. According to the American Society for , travel agents book:

* 87 percent of cruises * 81 percent of tours * 51 percent of airline tickets * 47 percent of hotels

Consumers seeking coastal vacations can find an affordable option on their own, without using a travel agent. With money and time, consumers beat travel agents at their own game and enjoy a great coastal vacation!

1. Good research equals good coastal vacations. The adage, "Location, location" rings true when traveling. A room with an Oceanside view means different things at different hotels and travel agents know this. A travel agent knows the best hotels for travelers seeking coastal vacations.

The consumer who looks out his or her window with a clear view of beautiful beach during his or her coastal vacation will return to the hotel annually.

If litter, nudist, dirty water or other unsightly views cloud the vision from the hotel, the consumer remembers this about their coastal vacation (and not too fondly) and will tell the travel agent. Travel agents do not want to hear this kind of news.

Consumers can research their destinations for their coastal vacation and their hotels without paying a travel agent. Online travel sites provide detailed information about destinations, hotels and attractions and these sites do not charge consumers. Consumers act as their own travel agents for their coastal vacations save money.

2. Money means everything! Unfortunately, most people lack the resources to take the coastal vacation they really want and should not give any of their money to a travel agent. Many airlines, hotels and online travel sites list great deals on vacations around the world on their websites. Anyone can take advantage of these coastal vacation deals without calling a travel agent.

3. Travel agents do not know consumers as well as consumers know themselves. Would a conservative Christian want to visit a nudist beach for his or her coastal vacation?

Would an avid angler prefer a beach where that prohibits fishing? Travel agents often make crucial mistakes when booking coastal vacations for consumers because they do not know their clients.

4. Consumers can take advantage of travel agent business opportunities. Consumers with a home-based travel agent business receive discounts they pass on to friends and family.

This gives the consumer the opportunity to take a dream coastal vacation and explore a new career. A home-based travel agent business gives a consumer financial and personal freedom to take as many coastal vacations as they like. Ben Jordan an x-Fortune 500 executive turned travel agent business mentor. His love is helping people fire there bosses forever by using the revolutionary coastal vacations sales center business model. For a FREE 3day/2night hotel voucher please visit http://www.coastalvacationexperiences.com ]]> The Importance Of International Travel Medical Insurance http://www.artwoo.com/article/the-importance-of-international-travel-medical-insurance http://www.artwoo.com/article/the-importance-of-international-travel-medical-insurance#comments Sat, 18 Nov 2006 04:27:04 +0000 travel medical insuranceinternational travelmedical insurancesinsurance companytravel costsemergency evacuationflight tickets http://www.artwoo.com/article/the-importance-of-international-travel-medical-insurance travel medical insurance is essential every single time you take a trip abroad.

Where And How To Obtain Medical Insurance

Usually, when you book your vacation, your travel agent is responsible for letting you know about international travel medical insurance as well as its coverage and cost. All airlines expect you to have one as a requirement in order to be able to fly out of the country.

If you are booking your online, then you will probably be prompted to purchase international travel medical insurance as well; the insurance itself is not very expensive depending on the regulation of the country you are about to visit as each country applies different laws and regulations.

What Does International Travel Medical Insurance Cover?

International travel usually covers any accidents that may happen when you are traveling; and sometimes even refunds of ; this feature usually differs from one to the other. Take a moment and read the medical insurance you are about to buy for even if you may never expect to have any such emergencies you never know what may happen next and you will need to fall back on the medical insurance you just purchased.

Helpful Tip

International travel medical insurance is a precautionary matter that most travelers need to carry even if they have other medical insurances as well; they cover international laws and regulations and, therefore, apply only when you leave the country.

International travel medical insurances differ vastly depending on the country you are about to visit, therefore, ask all relative questions before you are in an emergency situation and realize that you don't even know how to get in touch with your insurance company or what types of accidents they cover.

Accidents happen everyday and even if it is the last thing that will ever cross your mind when planning a vacation or trip abroad, being careful and prepared can only keep you safe in case you should ever need international travel medical insurance. Darlene Berkel, of http://www.every1loves2travel.com, writes on a variety of travel and insurance related subjects. ]]>