So just a fantastic trip to Europe, Mexico or the Caribbean have planned. You think you have done everything, but you did remember to get travel insurance? Many mistakenly believe that this is an additional element, something that you really need. But this belief will change immediately when an emergency occurs. Unfortunately, at this stage, it is often too late to purchase a plan and is locked in a difficult situation, or youcompletely lost the money invested in your vacation. Here you can find out why the insurance is not only a good thing, but it is absolutely necessary to enjoy your trip.

Imagine having your baggage and if you are a destination for the suitcase and its contents arrive damaged, or worse still have their luggage is missing altogether. With travel insurance you have checked that these items will be replaced. All problems that occur due to weather ormissed connection would also be covered. Suppose you have a car and get into an accident. With insurance, you are responsible to be protected in order to cover expenses. Even in the most extreme emergency evacuation, you know that you care and supplies or shelter is needed.

When buying travel insurance, the cost is an inhibitor to many, but there are a wide range of plans and prices to suitwithin a budget. Anything could have happened during the journey and share a damper on your plans. Lost luggage, unforeseen expenses due to an emergency or sudden illness, you can make your dream vacation into a nightmare. With the help of medical and financial support during the leave, you will reduce stress. Even if you have an emergency situation and the need to cancel or change your travel with the purchase of insurance which has lost only one, and also save money in the end, you do notThing.

The good thing about having travel insurance is that if you purchased is not available, it is never too late to start. Perhaps you have been lucky so far, but the chances are rather than have previously benefited from an insurance company during a holiday, and you have not noticed. At least going forward, we will know better for your next vacation. Using preventive measures to make sure that your next vacation will be trouble-free, or at least CANworry less problems. And even when there are emergencies, be treated and all that remains is a holiday experience.

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For business trips, a corporate insurance plan is necessary for those needing something more than standard cover whilst retaining the benefits of a standard travel insurance policy - cancellation, medical, luggage etc

Business travel cover will insure your laptop, mobile phone, palm & other related business equipment & include the hiring of replacement items. This also includes the recreation of business documents lost, damaged or stolen during travel.

3 Key Advantages of Business Travel Insurance

Corporate Travel Cover should add 3 key advantages to the plethora of benefits offered by a standard holiday insurance plan:

Business Equipment Cover
Hire Business Equipment Cover
Recreate Commercial Documents
That is the insurer should pay for accidental loss, theft or damage of equipment (Computer & accessories, other commercial related equipment and business documents).

The insurer should also pay you for the hiring of alternative business equipment in the event of accidental loss, theft or damage to business equipment, including misdirection or delay in transit of said equipment.

With regards to work related documents, the insurer should pay for the re-creation of business documents, plans & presentations if they are lost stolen or damaged.

Question: What if I am going on a combined holiday & work trip? Will a business insurance policy cover me?

Answer: It should. However if you travel regularly throughout the year, you may be interested in purchasing a multi trip insurance plan.

Business Travel Insurance vs Regular Travel Insurance

Remember, with work related travel, lots of wildcard scenario's can occur.

The other company can cancel the meeting at the last minute. This often leaves the travelling company to foot the bill, however this would be covered by standard trip cancellation.

Other incidents can befall a business traveler: general illness, business critical equipment can be stolen, lost or damaged. These factors are all things to consider when booking a business trip.

With regards to the value of your equipment, business trip insurance will provide far more cover than a regular travel insurance policy.

While a regular holiday insurance policy will provide coverage for lost, stolen or damaged luggage, this is not the same as the specific cover for business related equipment.

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More and more older people are travelling these days and taking longer holidays as they use up their children's inheritance. Seniors are running into issues when it comes to coverage for medical condtions when they are overseas.

Travel insurance has been traditionally tough to get if you are over the age of 65 but this situation is now changing for the better. More and more travel insurance suppliers are opening up their policies to people right up to the age of 99 and in some cases there is no upper age limit whatsover!

One company that has done this is Columbus Direct.

Columbus understand the problems facing senior citizens when buying travel insurance and offer the same high quality cover to everyone. Plus they have NO UPPER AGE LIMIT on their single trip policies and Annual multi trip insurance is available to travellers aged up to 74. Single trips start from £11.53 for a week in Europe and Annual cover starts from £81.99.

Here are just some of the benefits you'll receive

Scheduled airline failure cover up to £5,000





European and Worldwide cover





Up to £10 million emergency medical expenses





High levels of cancellation and baggage cover





Cover for a range of sports and activities

They also provide cover for many pre-existing medical conditions, which is often another area of concern for the over 65s. Their online medical screening process is quick and easy, allowing you to get a quote tailored to you.

There are many other companies that cover in the UK too for older people. See the references below for more details.

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Nature has designed humans to travel on foot. Since nature has also designed more complex brains, human beings had the urge for speed which led them to use various means to move faster - on horseback, bicycles, motorcycles, cars, boats and ships and even airplanes and spacecrafts. The most used transport is road and many patrons used cars and automobiles. As these vehicles involves human lives and cost a fortune, it becomes essential to drive safely and maintain them well, as they are not easily replaceable. You can ensure better security and recovery mechanism by using car insurance. Read along to learn more about the tips for getting an inexpensive car insurance.
There are many insurance companies in the business. The advantage of this open market with many players is that there are many good options to choose from. You need to get as many quotes as possible before deciding for a particular coverage plan.
Be sure that you get the quotes for similar terms to make the comparison easier and effective. The factors are the car, its features such as availability of anti-theft mechanisms, child locks, etc. Some companies offer discounts in the annual premiums for these factors.
If you fall in certain categories, you can ask for discounts. A few of these categories are non-smoker discounts, combination of car-home policy discounts etc.
Try and remove your teens from the policy if they are staying away in hostel and visit home occasionally and take the car out rarely. This again will reduce the premium expenses.
Raise the deductible component to enjoy more in terms of the premium pay cut.
The most important thing after choosing the particular insurance plan is to review it annually.

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The chance of becoming ill or having an accidental injury while on holiday is not always something a traveller thinks about when planning an overseas trip. They assume they are fit and healthy. However, no one can predict what will happen from one day to the next, especially when away from home. All Australians need to buy travel insurance before they take a trip, especially if they are going abroad.

Most Aussies have a fantastic time when they travel overseas. Few of them realize that each day of the year, the Australian consulate must deal with the tragic death, injury, or hospitalisation of their fellow Australians who are abroad. More than 20,000 separate cases are handled that include more than 700 hospitalisations, over 600 deaths, and over 100 evacuations of Australians who must be moved to another location for their medical needs. Most of these people do not have any form of travel insurance, and therefore they must deal with a personal tragedy, as well as a large bill they did not expect to have.

It can be very expensive for an Aussie in another country to stay in hospital or be medically evacuated. For example, in Southeast Asia, it is typical for just one day in hospital to be more than $800, and the return of someone's remains from Europe can cost more than $10,000. A medical evacuation from the United States can run anywhere from $75,000 to $95,000. Depending on where the patient's home is, and what needs to be done for the patient on the way, the cost can go up to $300,000. However, distance isn't always a sign that the evacuation will be cheaper. There have been medical evacuations from our nearby "neighbour", Bali, which the consulate has dealt with that cost more than $60,000!

What's really sad is that most of these cases involved people who did not have travel insurance. Travellers who don't have insurance coverage are responsible for paying their medical bills as well as all costs associated with them. People have had to sell their family home or their superannuation in order to transport their loved ones back home to Australia so they can get treatment.

The message we are trying to pass along to travellers in Australia is that you can keep yourself from becoming one of these grim statistics. Since illness and accidents are impossible to avoid totally, you definitely need travel insurance! A good insurance policy also protects you against theft and the loss of your personal belongings while travelling. The Department of Foreign Affairs and Trade says that " if you can't afford travel insurance, you can't afford to travel."

When you choose a travel insurance policy, be sure to check whether or not the insurance will cover claims that are made in the countries that the Department of Foreign Affairs and Trade have recommended that no one travel to. You can always get up-to-date travel advice from consulting and keeping watch on their website.

Here are some examples of the cases that The Department of Foreign Affairs and Trade has handled.

* An Aussie who was on holiday in Bangkok was hit by a car while he was enjoying a motorcycle ride. He fractured his leg really badly, and he was taken to and admitted to the nearest local hospital. His wife was on the trip along with him. This man did not have any kind of travel insurance, so he did not have any choice as to what hospital he was taken to, or the kind of treatment he received. The hospital did not have doctors on staff who knew how to do anything for this man except clean out the wound. Three weeks went by. The man's wife asked the Embassy for assistance for her husband. Areas of his shin bone had actually died, and the fractured ends were not healing. The Embassy helped them out by having the man medically evacuated to Australia for admission to hospital. All of this cost his family a considerable amount of money.

* Five Australians had a mini-van accident in Bali, and all were injured. The only thing that the Consulate had to do to assist them was to offer support and take care of the usual routine contact with next-of-kin. All of the Australians involved had travel insurance. The travel insurance company paid their medical bills in Bali and arranged for their medical evacuation back home to Australia.

* A young Australian had been working in an American ski resort for about four months. He then left the resort to travel around and see the USA. He knowingly let his travel insurance policy that he had taken out for a 12 month period expire just a few days before he was to leave to go back home. He somehow managed to get hit by a car while crossing a road. The young man had serious head injuries, and was unconscious when placed in intensive care. He had to have quite a bit of specialized care until he was able to be flown back to Australia. He had not regained consciousness and went home on a stretcher. It cost his family $80,000 just for the medical evacuation. They were forced to get a second mortgage on their home in order to get this much money.

* A young man from Australia went to the United States for an amateur surfing competition. He was an experienced surfer, but misjudged a wave during a practice session. The wave tossed him onto a reef and he was seriously injured. He was airlifted to a local hospital, when he immediately had two major operations. The young Aussie's hospital bill came to $290,000. It was a stroke of good fortune that the young man's parents had insisted he purchase travel insurance before he left Australia. The insurance company covered the huge bill, and his family were able to spend time helping the young man with recovery instead of worrying about how to pay the hospital bill.

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As travel insurance companies continue to get more and more competitive, some policies are starting to offer inclusive cover of hazardous activities as standard. Whilst it is always worth double checking the fine print to be sure that the specific activities you might be trying are covered, I thought I would combine a selection of extreme sports and leisure, that once may have seemed for adrenaline junkies only, but are now becoming as much an obligatory part of a holiday as a novelty keychain.

White water rafting is a key example of a sport that contains many inherent risks by nature, but has enjoyed massive growth in support since its birth. Despite the fact that rafts are essentially one of man's oldest forms of transportation, white water rafting as a recreational sport has only really been around since its inclusion in the Munich Olympic Games in 1972. Today, entire families (supervised of course) can pile into a rubber boat and set off down the Colorado River for kicks.

Interestingly, whilst abseiling has now been considered safe enough to be covered inclusively on some insurance policies, I have yet to see rock climbing included too. This seems strange, not only due to the marginally similar degree of risk from hanging around on a cliff face by a rope - I suppose it must be a case of statistics and the greater percentage of folks climbing up rocks compared to the smaller number of those climbing back down again.

Snowboarding was born in the 1970s, but only became regarded as a sport worthy of Olympic status in 1998. Subsequently, it is expected that anybody going on a winter holiday today will have a go at the sport without a second thought; which is very impressive for a sport that bears so many similarities to skateboarding (which, incidentally, is also becoming included in insurance policies as standard). It seems that it may well be the popularity of snowboarding that is the biggest incentive for insurance companies to include it, as in 2008 5.1 million took part in the sport.

Water skiing has long been a holiday activity that some have not considered as hazardous enough to check whether it is covered by their insurance. Also, it has been one of those sports that people don't realize they want to do it until they have reached their destination and no longer thinking about insurance at all. It would seem lucky, and considerate on the part of the insurance companies, that it is now becoming covered inclusively as standard.

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Every PPO Plan has an annual deductible, but few people understand exactly how it works.

The annual deductible is one of the basic details of a PPO policy and you may even know what the dollar amount of the annual deductible of your policy is. But, often the language used to outline the policy coverages is wordy and confusing and the majority of people are taken by surprise when they have to pay more for their health care costs than they first thought.

So, just what is the Annual Deductible?

The annual deductible of a policy is the amount you must pay each plan year before the insurance company will help you pay for your health care costs.

There can be an exception to this rule with some policies. There types of policies have a set co-pay amount for specific services and these co-pay amounts are lower than you would pay without the coverage. Understand though that these co-pays do not count towards your annual deductible. The most common services that this applies to are office visits, generic drugs and preventative care.

An Example of How the Annual Deductible Works:

If your annual deductible is $1,000, you would be responsible for paying for $1,000 worth of health care expenses (excluding co-pays as mentioned above) for the year. After you have paid that $1,000 the insurance company would contribute to your costs as outlined by your policy. With most PPO plans, this usually means that you will be responsible for a percentage of the fee negotiated by the insurance company with the service provider and the insurance company will pay the balance. Note that most policies include a capped annual out of pocket maximum.

There are two basic types of annual deductibles, individual and family. Individual deductibles apply separately to each covered person. With an individual deductible, each member must meet the annual deductible before the insurance company contributes to the costs of that individual.

Family deductibles apply to all covered members of a family. Depending on the guidelines, meeting the deductible can be shared by two or more family members.

This leads us to one of the most common family deductible formats, the two member max.

The Two Member Max Clause:

If you have a policy that covers more than one person, your policy may have a footnote on the annual deductible that says "2 member max". This means that two of the people covered on the policy must each meet the deductible before the insurance company will help pay for your health care costs.

If just one person meets the deductible, the insurance company will contribute to that person's health care costs. Note that this person's future expenses do not count towards any other member's deductible. The second person must meet their own deductible before the insurance company will contribute to their health care expenses.

If there are more than two people covered under the policy, once two of the members have reached the deductible, the insurance company will contribute to all members' health care costs.

Don't let your annual deductible take you by surprise. Know what it is and how it is structured.

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