Don’t Risk It, Get the Protection and Security You Need With Travel Insurance

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:

o Sudden business conflicts
o Change of mind
o Delay in processing your visa or passport
o Illness or injury
o Weather related issues

In case your flight is canceled or delayed, travel insurance companies may provide additional coverage such as expenses that the airlines won’t cover, like taxi fares to the hotel or meals during your wait at the airport.

It’s also a good idea to have a plan with medical coverage of up to $1,000,000 in the case you become ill, need medical assistance, or have a flight accident occur. It’s also good to review the amount deductible by your insurance plan (this is the amount you’ll need to come up with before the insurance company picks of the rest). Make sure it covers repatriation (evacuation to your home country, rather than the nearest regional medical facility); make sure that does not mean you will be sent to the country where you purchased your travel insurance plan either, but your home country. If you’re planning a visit to multiple countries, make sure all the countries are included in the region covered by your insurance policy.

To learn more about these types of coverage and more specialized coverage, read The Basics of Travel Insurance.

To invest or not? How to make travel insurance work for me.

Purchasing travel insurance is great for insuring your money, should any unforeseen events pop-up, especially if you invest large sums of money on extravagant travel packages. To determine whether you want to invest in travel insurance your not, ask yourself these questions:

o Did you invest a lot of money into your travel plans?
o Are you traveling overseas?
o Which regions or countries are you visiting and for how long?
o Are you planning on participating in any extreme sports?
o Can you afford the cost of your trip back home if any emergency arises?
o Will you be able to afford medical care if you or someone you are with gets sick and needs immediate medical attention?
o How old are you and how is your overall health?
o Do you have any pre-existing conditions that need regular, special attention?

You can purchase your travel insurance for a single trip, multi-trip, or with an annual policy, all depending on how frequently you travel and the length of your trip. Comprehensive travel insurance can cost anywhere from 4% to 8% of the cost of your trip, depending on type of coverage, the length of the trip, the destination, and the age of the travelers. It is best to purchase your travel insurance between 7 to 21 days of purchasing your travel itinerary. Usually the maximum coverage period for insurance providers is for one year abroad.

Go through the fine print on your policy and check whether you will have to pay on the spot and redeem the money later for any medical expenses, or will the insurance company pay providers directly. If you have to claim it later on, you will want to hang on to all documents.

If you have a pre-existing medical condition, get an insurance policy that will specifically cover it. Also examine which adventure sports and activities the plan does and does not cover (rarely does it include scuba diving and hang gliding). Lastly, for your benefit, a policy that is flexible and can be extended while you’re already away is recommended. You never know whom you’ll meet, and you just might want to extend your trip.

Another good tip would be to get in touch with your credit card issuer before investing in travel insurance. At http://www.creditcards.com/, a credit card information site, suggests calling your credit card issuer to see if you have any free travel benefits that you may not be aware of, for example, insurance on lost or damaged luggage. However, according to USTIA, canceling a trip at the last minute and being reimbursed by your credit card company is the most common misconceptions among travelers. And sometimes credit card companies have limitations on only cover up to 3 months of travel. It’s worth investigating.

Lastly, if you have existing health coverage, it would be wise to get in touch with them before hand, especially if you will need vaccinations and other medicine for your trip. Depending on your health insurance plan, ask for a ‘travel packet’ and they will send you important information regarding your coverage, if any, while abroad. It might turn out you might already be covered for somethings, but not for others.

Where can I purchase Travel Insurance?

There are many sites and companies offering travel insurance online. Among them are leading companies such as World Nomads, Travel Guard, and InsureMyTrip, just to name a few. A new online resource called Squaremouth, helps travelers easily and instantly compare all the major travel insurance plans at one site. You’ll be able to get immediate quotes from several major, reputable travel insurance providers and compare policies and their prices. It’s a good starting point and one that you can trust.

Helpful Tips for once you’ve purchased your Travel Insurance:

o Scan your insurance policy electronically and save it somewhere securely online
o Make one copy for yourself to bring on your trip
o Make another copy for a trusted family member to keep at home
o Have the emergency hotline number accessible during your trip, but make sure you try it out before leaving home to ensure its operating and correct
o List out any medications you are taking (including vaccinations for your trip), and a list of allergies you have; keep this with your insurance emergency number
o Keep all receipts at home
o Review all the fine print in your insurance policy and determine which adventures you will be taking and which risks might not be worth it

Finally, get ready for a trip of a lifetime! Hopefully you’ll avoid ever using your insurance plan, but it will give you and your loved ones more security knowing you’re protected.

The Convenience of Applying Online – Travel Insured and Travelex Insurance

Both Travel Insured and Travelex Insurance companies offer a chance for travelers to get rates on travel insurance right online. You can pick your travel insurance package when it comes to both of these companies and cover yourself from loss when you are traveling. Planning a trip can be very expensive and most of the time, you have to pay for the trip up front. If something occurs, such as a storm or a hurricane, you will then be stuck with the bill but no trip. Both Travel Insured and Travelex Insurance help prevent this from happening.

Traveling to the Caribbean during Hurricane Season?

You can apply for Travel Insured travel insurance right online and get a quote. You can do the same for Travelex Insurance. The quote that you get will depend on where you are going, when you are going and the amount of money that the trip is costing you. Travelex Insurance will not provide a quote for island or cruise travel in the Caribbean during hurricane season. Travel Insured will provide a quote, but it is high. A traveler would have to wonder if it is worth it to insure the trip for an amount that rivals the cost of the trip.

Making the Right Choices for Travel Insurance

Applying for both Travel Insured travel insurance as well as Travelex Insurance is easy. You just have to fill out an online form and send in information regarding your travel itinerary. Once you have done this, you will get a quote on how much travel insurance will cost you. You can choose from several different travel insurance packages. There are those that insure you when it comes to medical coverage and accidents as well as those that will insure against lost bags, water damage or damage to your property when you are traveling.

You can get travel insurance from both Travelex Insurance and Travel Insured for a trip cancellation as well. This will give you a chance to recoup most of your losses if a trip is cancelled.

No travel insurance company will give you money for pain and suffering if your trip is cancelled. In other words, if you have plans for a honeymoon and have travel insurance and a freak storm wipes out the hotel before the honeymoon date, you cannot file a claim on the fact that this ruined your honeymoon and caused you pain and suffering. You can only get the money that you put down for the hotel reservations back to you.

Travel insurance is used when you pre-pay for a trip or a cruise and want to be sure that you do not lose money on the trip in case it is cancelled or if you have to cancel due to illness. Both Travel Insured and Travelex Insurance will cover you in these instances and charge you a low premium, based upon the risk that they are taking. When it comes to filing a claim, you can get the same service from Travelex Insurance as you can get from Travel Insured. You will have to provide them proof that you suffered a loss, send them a receipt of the loss and then collect the proceeds when they pay out.

Annual Travel Insurance Policies – The Best Choice For Frequent Traveler

Usually you purchase travel insurance only for the vacation package you are going to purchase at that time. When it comes to purchase an insurance for your home or auto, however, you purchase the insurance year-around. That’s because you need constant insurance cover. But if you’re a frequent traveler what is the best advice? Wouldn’t it be more costly to purchase a travel insurance policy every time you book a trip instead of purchasing year round cover just like your automobile or home? Of course, it would and for this reason almost any insurance company provides annual travel insurance policies.

It doesn’t matter if you are traveling for pleasure or business, you must have travel insurance in the event anything goes wrong. Frequent traveler shouldn’t purchase it every time they leave, it is wise to ask the current home or automobile insurance company if there are annual policies available.

Annual insurance plans are typically based on a maximum trip length one month and covers you for the whole year. It doesn’t matter how many times you travel during the year. The rate you have to pay is depending on individual situations and travel insurance cover taken. However, best of all is that if you can get your policy from your actual insurer, you are able to apply it to your actual account. It is even possible to have it debited at once from your account so that you are in a position to traveling with the peacefulness of knowing that you are permanently covert against losses caused by trip interruption and cancellation, medical expenses, baggage, trip and baggage delay.

First, you should get on the phone and call for your representative that manages your policy, if your actual car or home insurance company offers annual travel insurance plans. But have in mind, it is not advisable to go with the first bid you’ll get. Call around to as many insurers as you can do and ask for annual insurance quote.

While it would be really comfortable to have all of your policies with one insurance company and all on one account, you don’t like to spend more money than you have to. Whenever you find another company that provides annual insurance plans for a price cheaper than your actual insurer, you shouldn’t change just yet. Speak with your current insurance company. Chances are all of the time, they wouldn’t like to lose your business so they may lower their policy pricing to fit their competition that you are threatening to change to.

The point is to feel safe in case anything bad happens on business travels or on your vacation. Frequent traveler should opt for annual travel insurance so that they know they’ll be covered no matter what happens when traveling.

Ayurvedic Weight Loss Supplements To Reduce Excess Body Fat

Being overweight is like a curse as it raises several health problems. It is generally seen that some people eat a lot but do not gain weight while some gain weight even on eating less. Losing weight is a difficult task especially for those who suffer from mental problems as they find eating foods as the only way to satisfy themselves. There are some common reasons behind the increasing weight in body:

1. Weight gain depends on the metabolic rate of body. Slow metabolism in body is the main cause of not burning calories and increasing body weight.
2. Immunity becomes weak due to lack of iron, magnesium and vitamin D in regular diet and this alters metabolism of body.
3. People having stress, tension and depression mostly eat junk foods, take beverages and drink alcohol more just to distract themselves and thus weight increases in such people.
4. Increasing age slows down digestion and reduces metabolic rate. This results in weight gain.
5. Less production of testosterone in men and estrogen in women leads to increase in weight.
6. People having problem of thyroid disorder also gain weight in an unusual manner.

Some changes in lifestyle can help to lose excess weight at home:

1. The most important step for weight loss is to cut back on sugar and starch. This reduces insulin and also reduces hunger for calories.
2. Eating meals rich in protein source, fat source and low-carb vegetables also help to lose few calories. These kinds of foods reduce desire for snacking.
3. Lifting weights 3 times a week can burn a few calories which further prevents metabolism from slowing down.
4. Taking proper sleep is an important part of losing weight fast.
5. Eating foods slowly makes one feel full after eating even small meals and thus one does not overeat.

One can also use InstaSlim capsules to reduce excess body fat naturally. These are the best ayurvedic weight loss supplements as these supplements are made purely from herbs. These supplements help to combat every factor in body that results in increase in weight.

InstaSlim capsules provide the following benefits to overweight people:

1. These supplements suppress appetite and thus reduce cravings for sugary and junk foods.
2. Unique formula of these capsules promotes metabolic rate in body to increase utilization of body fat.
3. These ayurvedic weight loss supplements improve blood circulation to increase usage of fat stored in body for producing energy.
4. Promote fat metabolism to keep production of energy regular in body.
5. These supplements regularize bowel movements which in turn keep toxins out of body.
6. Nullify ill effects of thyroid disorders on metabolic rate.

InstaSlim capsules are loaded with Vaivading, Babool, Arjun, Pashanbhed, Chitrak, Jawasa, Bahera, Kali Mirch, Haritaki, Dikamari, Samudra Shosh, Chavya and Sounth. These herbs have the property to convert fat cells into energy. These herbs can effectively enhance functions of body organs that help in digestion and absorption of nutrients from foods. These herbs also keep bowel movements regular for healthy weight loss. To get long lasting and effective results, use these ayurvedic weight loss supplements on a regular basis. Taking InstaSlim capsules for 3 to 4 months can reduce excess body fat and give optimum health benefits.