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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Cheap travel insurance has a reputation of being quite a dull area to work in. While it does have its dull routine moments, just like any other job, these are made up for by the occasional inspired funny travel insurance stories you hear. It's hard to say how many of them are either exaggerated, hugely embellished or just plain made up, but I still found a few of these travel insurance stories made me laugh while I was researching this article, and that's good enough for me.

Here's 13 funny travel insurance stories. While 13 is traditionally an unlucky number, a fair few on this list will consider themselves very lucky to be covered by understanding travel insurance companies! The remaining ones who were turned down will no doubt have learned an invaluable life lesson!

Cheeky Monkeys Cause Havoc

According to this tale (tail?), a group of cheeky monkeys conspired to ruin a couple's romantic trip to Malaysia. Due to the heat, the couple left the window of their chalet open during the day while they went out, but regretted their decision when they returned to discover their clothes and belongings all over the surrounding resort and neighbouring rainforest. The couple's insurance company were thankfully understanding and ensured they did not need to keep re-wearing the same clothes for the remainder of their trip!

A LOT of Bombay Mix

You know Bombay Mix? The spicy Indian snack food. One traveller claimed to have lost £600 worth of the stuff on his way back from holiday, and tried to claim on his travel insurance. With Bombay Mix costing less than £1 per 250g bag, a conservative estimate is that the man would need to be carrying over 80 kilograms of the snack to have racked up £600 expenses! Quite hard to misplace, you'd have thought, and the travel insurance company agreed, refusing to pay the claim.

A sting in the tail

One traveller lost his wallet down a drain, while exploring Natanya in Israel. However, rather than filing a police report and contacting his travel insurance providers, the brave individual tried to fish his wallet out of the drain - only to be stung by a poisonous scorpion which had made the area its home! The man's treatment (and presumably his missing wallet) was covered by his travel insurance.

Geronimo!

Winning the dubious honour of the most unlucky on the list, this family's camping trip went awry when a parachutist from the nearby airbase missed his target and landed squarely on the family tent. The camping equipment was ruined, and to add insult to injury, they were not covered for accidental damage so had to foot the bill themselves.

The joke's on the burglar?

A fairly routine claim for a stolen cosmetics bag took an amusing twist when it was revealed that the victim had transferred her medical-strength haemorrhoid cream into an empty moisturiser tub earlier in the holiday. While French police remained on the lookout for a suspiciously smooth-faced thief, the woman's travel insurance company paid up for the missing make-up, perfume and lotions.

Wrong airport, wrong country!

A man who claimed for a holiday cancellation when he was refused entry to a flight was turned down, when it emerged his flight wasn't from Manchester in the North West of England, but Manchester, New Hampshire in the United States.

Some claims just aren't worth the excess!

Here's a tip for you - if you have an excess you need to pay on a claim of £50, make sure your stolen possessions are worth at the very least £50.01! One traveller who had his bag snatched on holiday had his claim turned down, when it was established the complete inventory of contents was: 1x bottle of water, 1 x newspaper and 1 x packet of mints. No wonder his cheap travel insurance claim was rejected.

Criminals aren't the only animals to ruin your trip

If you're holidaying in the Black Forest, you may want to make sure you lock up properly when you leave the house. One family came back to their chalet to discover their home had been invaded by one hungry goat, which had proceeded to much his way through their wallets, passports and sandwiches. Their claim for new passports and wallets were rejected on the grounds of negligence in leaving the chalet wide open.

Coconut Shy

If you're planning on relaxing under a tree in Sri Lanka, it's worth checking your spot carefully, as one traveller found after being concussed by a falling coconut. The injury knocked her out, which may sound unlikely until you consider that the average fresh coconut weights 2 kilograms, and their trees grow up to 30 metres high. A coconut travelling at 53 miles per hour is no joke, and it's unsurprising that the traveller was reimbursed the £400 medical bills.

Coconuts lost

On the other hand, others apparently cannot function without their coconuts: a couple returned from Mauritius to discover their local produce missing. Claiming for two lost coconuts may seem like a reasonable idea on paper, but with each one costing less than a pound to replace, and an initial excess on any claim made of £50, it's no wonder the travel insurance providers turned this one down.

A what!?

Occasionally you hear of a claim for something that's just completely baffling, and it was as such for Direct Line, who allegedly received a claim for a "guitar made out of a pumpkin".

A burning desire for a drink

At the ironically labelled 'Fire Bar' in Greece, one reveller paid the price for 'needing a drink' when she remained at the bar waiting to be served despite a loud buzzer and the rapid departure of others clamouring for a pint. Unsurprisingly, the buzzer turned out to be a fire alarm - a fact which she finally appreciated when the flames engulfed the area. She escaped the scene with third degree burns and £300 of medical expenses to pay - which her travel insurance company covered.

Someone's fibbing!

Finally more of a fact than a funny travel insurance story, but its believed that there have been more claims for stolen £1000 Rolex Oysters watches than have been manufactured. It seems some people have been creative with their travel insurance claims...

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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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Regardless of the size of your company or the nature of your practice, your professional services company is much healthier, if you give up an annual inspection. Take the time to step out of the trenches and see where you've been and where you go, what There is right and what went wrong and how close to the original plan, and change if you have what you are doing - or modify the plan.

One of the easiest ways to carry out an annual reportReview, is your year-end tax return, if the preparation of annual accounts link. You might want to do most work in a retreat, a day or a weekend away from the office, where you and key members of your staff can concentrate on the big picture. In the process, a look at these specific areas:

- Client Statistics. How many customers do you have? There was a gain or loss during the year? What are the services they need or want, and how does it compare with yourprofessional goals?

- Referral sources. Who sends you customers? And this group that sends more desirable and less desirable? How can sources of positive reference?

- Marketing efforts. What are you doing to attract new customers? What works and what does not? And how can we do better?

- Salary and employee benefit packages. What are your salary scale and incentive plans compare with other companies in your area? Benefits play an important role in creatingJob satisfaction and loyalty of employees, as employees are satisfied with what you offer? Could your advantage to organize resources to improve employee relations again?

- Insurance. A good insurance agent should initiate an annual review of all politicians, but if he or she should not be. Run a line-by line-acquisition and cost analysis in order to assess the cost of protection against risks related to the specific. Have you purchased new equipment that mustcoverage different? There are new insurance product that should be considered as a reference work?

- Security issues. Take a look at your system from a standpoint of safety. The exterior lighting adequate? Locks are stable? Measures are taken to far into the night and only to protect workers? Who has the keys? If you have had recent staff turnover, you should invest in changing locks - even if all keys are returned. Consider also, perhaps, the alarm isCodes and other codes that have access to confidential information.

- Office Furniture. Your work is designed for maximum efficiency and productivity? Lighting is adequate? Has a change in workload or style, requiring different states? If your computer has enough material, or if you upgrade?

- Office policies and procedures. Are your forms, brochures or signs should be updated? Office procedures can be simplifiedComputerized or outsourced for greater productivity? Do you have strategies to be implemented, the growth inhibition or a negative impact on morale?

- Professional relationships. Look at the people who rely on professional advice - your accountant, financial consultant, IT resources, other consultants, etc. - Confirm and that their knowledge and skills appropriate to your needs.

- Your professional status. Review all the requirements for training, make sure thatLicense (s) to renovate, pay contributions to professional organizations, and make sure your professional liability insurance is current and sufficient.

- Financial reports. Read the details of your bank contracts, commercial lending and leasing to ensure you receive the best terms available.

- Postal and courier services. The small package is extremely competitive, so you set for your company offered at least once a year. Make sure you do notThe purchase of a service than you really need to pay to do the next morning, when the following day. And the electronic transmission of documents related to supply and hard copy whenever possible.

- Vendors. Are your suppliers have stable resources, and you are always the best deal for your purchases? You may not buy raw materials such as factory work, but also as a buying office, cleaning supplies and paper, may have a direct impact on profitability.

- Maintenance and ServiceContracts. Perform a cost / benefit analysis of any service contract maintenance and before accepting the renewal.

- Mistakes and successes. Look what you did wrong and what you did well, and how you can benefit from the experiences learned in the course of next year.

Once the review is complete, to set goals and develop an action plan for the new year. The information that the review will be generated only help if you use it. Finally, make a list of people - the reference sources, consultants,Gentlemen, thank your employees, customers and especially - that have contributed to your success so far, and her.

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Everyday we get cross-sold and u-sold

Are you making the most of every up-sell and cross-sell opportunity to help you and your company navigate through these turbulent times?

The sixth member of our household, our dog Brody, was officially told off yesterday by a horse-rider who was spooked by Brody's barking and sudden appearance at the gate.

The poor rider came off the saddle and was thankfully unhurt. Time for a "Beware of the Dog" sign in case of further incidents, at least then we're warning of the potential danger.

Now Brody is a loveable beast but at almost a metre high on her hind legs, can be quite menacing to any person entering the premises. That evening I searched the internet for a suitable sign and came across a great company specialising in house signs of all designs, shapes and sizes.

I chose a classic "Beware of the Dog" sign and popped this in my shopping cart. Happy with my purchase and eager to get the job done so I could watch the rugby on the TV, although being an English supporter I wish I hadn't bothered.

Up popped a message "Buy another sign and get a £5 discount". I thought why not that's a good deal so I had a look at a similar sign which read "Beware of the Children" which I thought was hilarious.

About to click the "buy now" button and up popped another message. "For an additional £2.99 you can have this sign is polished brass". Mmm I thought that would look nice at the front gate.

It happens all the time. I'd been up-sold, then I'd been casually cross-sold. And I loved every minute of it as I hadn't the first idea about house signs - I'd never bought one in my life so I welcomed the advice they gave me.

Everyday we're bombarded with up-selling and cross-selling. Today it happened to me 3 more times

In Asda, I was wafted with a fresh baked bread smell as I walked past the bakers section. I picked up a fresh loaf. I'm sure they ooze smells into the atmosphere to boost the pungency. Clever supermarkets.

At Amazon, I was told that people who bought this book just like me, also bought this book and if you buy the two together, you can save £2.99. Bargain.

Even when I took my free membership of the Youth Hostel Association this morning on the phone, the guy encouraged me to process a Gift Aid application. Just so if I was to renew my membership next year, I'd get some valuable reliefs. Not only a brilliant up-sell but a great trial close as well. Top man.

Are you making the most of every up-sell and cross-sell opportunity to help you and your company navigate through these turbulent times?

How come up-selling and cross-selling works

Built into all human DNA is the need to make careful decisions and when we buy things, we are wary of making the right verdict. Some people take a long time to decide and weigh the options carefully first. And that's a good thing too.

I talk about a negotiation tactic called Nibbling, which involves getting to a final agreement on the negotiation, shaking hands and walking out the door...but just before you leave you ask for one further concession. Because the deal has been done, decisions made, people breathe a sigh of relief and will easily give into one more demand. It works too.

The same theory works when we cross-sell and up-sell. The big decision has been made. In other words, they like your company, you and the product and they want to buy so adding something else is not a huge extra decision to make.

After all, our job as salespeople, is to serve the customer. It comes from the Norwegian word Selje - to serve - so we should be proud to serve them. We know about our products and services and should be able to share our expertise with our customers.

By the way, everyone within an organisation who comes into contact with customers is a salesperson during turbulent times. That's a fact and one weapon to help you navigate through these turbulent times and keep your job at the same time.

What stops us cross-selling and up-selling?

Our mindset that's what prevents us. For years I've been observing customer service people, sales people and the one thing that prevents them cross-selling and up-selling is this fear that the customer might say no. This is highly understandable.

This is why websites are excellent at cross-selling and up-selling. A website doesn't have feelings you see.

A really effective way of getting around this mindset is to use affirmations. Write on separate pieces of card the following positive statements:

Serving customers is good and healthy
Customers want to hear about our products and services
Customers want my expertise
Customers are allowed to say no and that's OK by me
Place these cards somewhere where you can see them easily and look at them once every day for 21 days. 21 days is when habits form and mindsets change. Go on give it a go. It works.

Its 3 weeks later and I want to cross-sell and up-sell but what's the difference?

Not a lot really as it doesn't really matter but for the detailed people out there here's the difference.

Cross-selling is where you suggest additional products that complement the one the customer wants to buy, so my extra sign for a £5 discount is a cross-sell. Another example is where your customer is busy saving for their annual holiday using a monthly savings account and you suggest travel insurance. One complements the other.

Up-selling is fun. This is where you have a really good knowledge of your product or service and you suggest an upgrade to make the product better. Getting my sign in polished brass was an up-sell.

Another example happened to me the other day. Renewing my Private Medical Insurance with BUPA, the clever person on the phone suggest I upgrade to the better product because it covered up to 20 of the new fangled cancer drugs which I'd heard about in the press. Now, if anything dreadful happened to you Mr Archer, you would want access to these wouldn't you. Sucker punched me that did and a cute little "yes tag" at the end. I must say I was most impressed with BUPA on the phone - proud that their product is at the most expensive end of the market. Good training I imagine.

Ok I understand the difference but how do I do it?

This part needs a little bit of preparation. Firstly up-selling

You've simply got to know your product or service really well and especially what it can do for your customer. Think of their WIIFM - what's in it for me - so you can match each feature to a particular benefit for your customer. Then simply suggest the upgrade with a good reason why this would benefit them and wait for their reaction. Remember customers are allowed to say no and that's OK.

If you want to get clever you could ask them a question or two to find out a little more about their needs. McDonalds don't do this when they ask if you want to Supersize that burger purely because the drive-thru is not the best time to ask questions. But imagine if they asked "How hungry are you feeling today?" "Ravenous" you reply. "Wow so you'd like to supersize that wouldn't you?"

Now that would be smart.

Make a list of all the features of your product or service. Next to this list jot down the benefits to customers of adding these features, practise these links in front of the mirror so you can describe them clearly and just ask the next customer. Remember to go quiet after you've asked. And remember its OK for them to say no.

Next some cross selling ideas for you

Cross-selling requires a little bit more preparation which you can do on a large piece of paper and this is a really cool thing to do.

The trick to cross-selling is to know how each of your products link together, how they complement each other and the words you can use to create this association.

Take your large piece of paper and draw a grid

Each letter represents a product or service you have available. Go to product A first in the vertical column. Run along to the empty box where A meets B and write in this box how product B complements product A. For example if product A was a mortgage loan and product B was a life assurance plan you could write down links such as:

"Pays off your loan in the event of your untimely death"
"Helps you sleep at night knowing that your family can live in the home if you died without the mortgage hanging over their head"
"Costs very little to ensure your mortgage is repaid on your early death"

Then move onto where A meets C. Product C could be Permanent Health Insurance. Here your associations could be:

"Which makes sure you can keep up your monthly mortgage payments if you're off work for a long period through illness."
"Ideal to protect your mortgage payments which will stop you being re-possessed"

Go through the whole grid system and write down all the associations. Some won't link together and that's quite normal but most can and will. Practise the words you want to use. Say them confidently and enthusiastically and you'll be surprised how many customers will say yes. And remember they are allowed to say no - that's OK.

In most circumstances you have the opportunity to ask a few questions to find out the customer's needs before you launch into your link statements. However, we've found people who are new to cross-selling should do small things first, get confident and achieve some success, then move onto asking questions afterwards.

What are your next steps?

Sort out your beliefs when it comes to cross-selling. Set up some affirmations on card and look at them everyday for 21 days.
Familiarise yourself with the features of each product and the benefits customers have adding each feature.
Draw your product matrix on a large piece of paper and stick to your wall somewhere so you can glance at it when you want to.
Then just ask your customers to take the additional product or to upgrade what they've already purchased in their minds.
And remember customers are allowed to say no.

Just don't bug them continuously if they do say "no". Our job is to serve them and if they don't want it, then we should accept this as others will want to buy the additional feature or extra product.

And did I buy the "Beware of the Children" sign? No, Claire wouldn't let me, she thought it gave the wrong signal about our kids - shame that as you did get a £5 discount if you bought two together and for £2.99 extra that polished brass would look nice on the wall...and there was the free delivery...

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Successful "listening" in job interviews leads to offers. In order to evaluate such offers and to negotiate intelligently for adequate compensation, you should have certain basic information, which the interviewer may not offer voluntarily. A final decision to accept or reject a position maybe - or should be - influenced by the answers to some of the following questions

What are the specifications for this position? What are the specific duties and responsibilities? What is the extent of authority? Can the position description be altered? Upgraded?

How long has the position been in existence? Open? Who had the position until now? Why is he / she being replaced? How long was he / she in the it? Did he / she succeed? What led to his / her success / failure? How many predecessors were there? What happened to them? Why? How would you describe the ideal candidate for the position?

Who are the people with whom I will work? Who is my immediate supervisor? My staff? My associates in related departments? What is the title, history in the company, previous background, education, age, personality, and reputation of each?

Does the company have any long range plans for this department? Growth or consolidation? Does the department have its own budget? Who controls it? Has the department been successful? What is its reputation in the company? (In the opinion of the interviewer), is there sufficient staff to handle the workload? How is the morale of the staff? Is there anyone on the staff who expected to be promoted to this position but was by-passed?

Where does this position fit into the company's organizational plan? Are the reporting channels clear? Is there more than one "boss"?

Does the company have an induction programme for new employees? How do I become familiar with company policies, practices and "etiquette?" Does the company have an Executive Development Programme? Other training programmes? What are its facilities? What resource does it utilize? Does the company sponsor courses at universities? At management associations or industry conferences? Are suggestions welcome?

How long has the company been in existence? What is its corporate culture? Its mission? Does it have a strategic plan? Who owns it? Is it family dominated? How long has its present management been in control? What has been its gross sales and profit (or loss) pattern during the last ten years? Five years? Two years? Now? Does the company have a growth plan? (See annual report) What do the company's annual report and the D&B report show about its credit rating and financial history? If the company is 'public', what do recent stockbrokers' reports say about its management and its prospects|? How does the company and its products rate in its industry? What is the economic trend of the industry?

Where can I get information on housing, cost of living, religious and social organizations, shopping, schools, libraries, educational and recreational facilities? Does the company encourage employees to participate in community activities? Does the company dominate the community?

(While negotiating 'basic' salary or compensation): Does the company offer stock options or deferred payment plans? Bonus arrangements? What is the 'executive package at top levels? Does the company have an Employee Benefits Plan (medical insurance, retirement)? Does the company reimburse moving expenses? Losses incurred in selling one's house? Living and travel expenses while the employee is commuting and finding permanent housing for his / her family? Does the company arrange employment contracts? What is the company's policy regarding vacations and sick leave? When and how is salary usually paid? What is the company's policy regarding employment agency's fees? Does the company have a periodic employee appraisal or performance review? What are the prospects for salary increases? Promotion? Will there be opportunities for greater responsibility and broader experience?

What is expected to be accomplished during the first rating period? How is the position evaluated? At what frequency? How are performance and raises tied to performance criteria? What is the current salary range for the position?

Many of these questions are of a sensitive nature. An improper attitude or approach could antagonize your interviewers and make them think you are overly suspicious, too careful, or prying. The following suggestions will help you minimize the risk of offending your interviewers.

- Avoid self-serving questions that would tend to screen you out...be company-orientated in your thinking.
- Be positive in your approach.
- Remember you are not an 'inquisitor'.
- Plan the wording of the questions you want to ask.
- Maintain a friendly, open attitude.

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Anyone that travels a lot should consider travel insurance, but those that travel for business often overlook the importance of this protection. Business travel insurance is simply a good idea because it can provide you with the protection that you need whether you are traveling just a short or long distance away from home. You never know when you are going to need the protection that insurance can provide, so you should look into business travel insurance before you go on your next trip.

The great thing about business travel insurance is that the individual can purchase it or a company can purchase it. Many companies are choosing to purchase the insurance for all of their employees that travel. This is a very economical way to buy the coverage as many companies can offer bulk buy discounts. This can be a particularly good idea for companies that host a lot of conferences, meetings, team building events, training courses, product launches, and the like. Many businesses offer corporate hospitality outings and the like, and even on these fun getaways employees should be protected and business travel insurance is a great way to get that protection.

If you happen to be an employee that travels to a lot of business oriented annual general meetings, exhibitions, seminars, or conventions and you aren't provided with business travel insurance you can buy it yourself. The coverage is not at all expensive, and you may even be able to purchase the coverage at the same time that you plan an event or plan your travel, which will make it convenient to purchase. When you purchase this protection you can go on your business travels and not worry about what would happen if you were robbed, if your luggage was lost, or if you needed medical attention in an area where your usual medical or dental insurance was not valid.

Many of us think about travel insurance when we are going on vacation or visiting exotic vacations, but this is not the only time when you need the protection that this type of insurance can provide. Business travel insurance is just as important as the insurance that you would buy when flying across the world for an exotic vacation or honeymoon because there is just as much opportunity for you to encounter health problems or circumstances that you just did not plan for. Why should you be any less equipped to handle these problems on a business trip than you would be when you are on vacation? When you leave home you should feel safe, secure, and confident in your abilities to handle any situation and with business travel insurance you can do this.

If you don't travel often or you only travel once a year you can opt to purchase your business travel insurance for just one trip. All you have to do is disclose when you will be travelling, where you will be going, and when you will be returning. This is generally very affordable and will offer you the protection that you should have on your one trip. If you travel all the time for work you can choose to buy your business travel insurance for the whole year. While this is more expensive in the beginning, it is cheaper over the course of the year than it would be to purchase the coverage every time you go away on travel. Many times there are also different levels of coverage to choose from, so you can choose from very basic coverage to very extensive coverage, based on your needs. When you purchase the travel business insurance you may want to consider the areas that you travel to as well as what sort of coverage your other insurance coverage may provide as this information will help you determine what sort of coverage you need.

It used to be more difficult to buy travel insurance, and that is why many people simply opted not to do it. In many cases you had to go right to an insurance agent and you had to fill out a ton of paperwork, or you could go to a travel agent and do the same thing. Now, you can purchase your business travel insurance right along with your other travel needs such as but not limited to your event planning services, your car rental services, lodging, transportation, and airfare. This is very convenient and allows for those that didn't want to bother with the coverage before because of the hassle to purchase the benefits of travel insurance. Next time you receive notice that you have to travel for your job, why not look into travel business insurance and see what protection it can offer you? It's better to have the protection and not need it than need it and not have it!

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Don't let the huge amount of companies overwhelm you. Work little by little and you will find exactly what you are looking for. There is no need to rush while you are looking, rushing usually only leads to a less than perfect insurance policy. No matter how frustrated you become while looking, don't give up.

Know what you are looking for. Read about the different types of policies, and what they include. This will help you be able to decide what you want on your own policy. You need to carefully evaluate what you do and don't need in your policy.

Do not shy away from the cheaper insurance policies; you never know the quality of the policy until you look. These policies may contain exactly what you are looking for, and you have no need to pay for anything more expensive. These options are usually basic, but will cover things like loss of luggage, loss of passports, and maybe that is all you are looking for in your policy.

Buy in advance - It could save you money to think ahead, while this vacation may be in the summer, what if you go somewhere in the winter? Will my policy have winter sports coverage? Don't get caught in the trap of thinking only of the present, always keep one eye on the future. Take note of any travelling restrictions your annual holiday insurance could have, you do not want to buy a policy that does not even cover your vacation plans.

Companies usually offer a discount if you are buying a policy that covers more than one person. Buying your policy as a couple or a family could lessen the money coming out of your pocket. If you are travelling with a group of friends you can always buy your insurance together.

Buy online - I cannot stress enough how much you save by shopping online. It is a thousand times easier to shop online, and most companies will offer you a hefty discount for shopping online. Not to mention it is always nice to not have to leave the house to buy your travel insurance.

Buying annual holiday insurance takes time and effort, but it is well worth the benefits. Nothing is worse than having a wonderful vacation turn into a bureaucratic or financial nightmare. Save yourself from the heart ache and worry of travelling without insurance and get the best policy you can find.

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Many of us are already planning where we are taking our summer holiday this year. With the recession showing no signs of letting up, many British families have decided on other alternative methods of travelling.

Static caravans are a great way for the family to spend quality time together or for couples to get away from it all. With camping and caravanning becoming increasingly popular, many want to know of how else they can save money this year.

Static caravans are a popular choice because they are like going from home to home. Many have invested money into static caravans and want to ensure their property is save whilst they are back home. Of course, the question on many minds is; where can I find static caravan insurance online?

There are many different comparison sites advertised on television, allowing people the opportunity to save money on car, travel and home insurance. However, because of the niche market that caravanning comes under, many don't know of the specialist companies that provide online quotes at the click of the button.

There are various companies that make it easy for people to log on and request quotes in an instant. By putting in relevant details, people can request a quote that is unique to their requirements and their caravan.

Depending on the type of cover people want, they can ensure they are not paying where they don't have to. It also provides peace of mind when they are away from their van that should any incidences occur, they are fully covered to cope.

Of course, this doesn't just apply to static caravans. For those that like to take their home with them wherever they go, mobile and camper-van owners are eligible to get quotes for their vehicle also.

The options are endless and if you are looking at insuring your caravan, save some money at the same time by getting the best quote you can from online specialists.

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Do you know what to look for when it comes to trip travel insurance? There are some things you should look for before deciding if you even need insurance. More importantly, you should want to find the lowest cost insurance. It would be nice to know where to look. This article covers some of the travel insurance rates and perks. Know what to look for before you get caught paying too much.

1. Look for individual vs. group rates - There are many insurance companies that offer individual rates that are usually the cheapest. However if you need insurance for your whole family and there are more than three of you, then a group rate is definitely for you. individual rates run around $30-$50 depending on what your necessities are. IE. lost baggage, evacuation, medical, etc... The more things you add on to your package the more expensive your rate/cost will be. It can get higher than $50 but most people do not need the extra perks. Group rates run closer to $100 and upward. This is great if you have a family of 4 and don't want to get each person an individual rate. Side note: children will be covered under you in many plans.

2. Local Agents vs. Online Travel Agents - There is a big misconception that local agents are cheaper than travel agents. This can be true if you are going on a cruise or have hired a travel agency to take care of everything (including your insurance). Most of the time you can find great deals, print them out, and be set online. This makes it tough for local travel insurance companies to stay afloat. I would recommend if you have a few extra dollars, to go with the local travel agency and support your local business. Make sure they are local and not some front, for simply entering in your data online and taking some off the top.

3. You dont need insurance? - I have heard so many times, that travel insurance is a bunch of hogwash and that no one needs it. People say that until they need it, don't have it, and regret it. Travel Insurance is not for everyone and most often you can get by without it. (Especially if you are supported by global medical insurance) However, there are times when people should get it. Backpacking through Europe, Hiking Patagonia, scuba diving in Hawaii, are just a few to name, where travel insurance is a smart idea, in case something happens to you or your family.

4. Travel Insurance Cost - The cost of insurance rates varies. It depends on many factors that you can control. There are business plans, family plans, corporate perks, 4 individual plans, 4 business plans, etc... It is a good idea, to get a quote from multiple agents, and weigh your options when it comes to traveling and whether or not you need it. The best time to find travel insurance, is in the winter, when less people travel, as the cost seems to fluctuate in the summer months. Keep your eyes peeled for future deals, recurring promotions, and more. It can be a good idea, but it becomes a bad idea, when you pay too much and are not prepared before you travel

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Many discerning travelers now make several trips a year, even at very short notice. Multi Trip Travel Insurance is a flexible type of reporting, that reporting a traveler can leave at any time and for any purpose and maintain insurance. But flexibility has a price, and, like all insurance policies, accurate analysis of each policy is necessary before moving on.

Multi trip travel insurance is typically a>annual contract, allowing a full 12 months of coverage before the policy needs to be renewed. The cost is generally quite competitive compared to single trip travel insurance; it is not the same as simply multiplying one week's worth of coverage by 52 to arrive at the final full year's coverage. That would simply be cost prohibitive.

But the cheaper rates that are offered for multi trip insurance are often used to entice customers to the company, then changed during the course of the year. Somehow, insurance companies are able to manipulate contracts to the extent that would be considered illegal in any other type of business, but they have such a stranglehold on government, or are simply willing to pay massive settlements when needed, that they can get away with this kind of behaviour all the time.

When reviewing an annual contract it is important to make sure that the coverage is adequate for your purposes. Taking a number of golf vacations or business trips in the year does not require the same type of coverage as a jungle trek or scuba adventure. At the very least you want to be sure you are covered for basic medical aid wherever you are, and evacuation or repatriation costs so that if it is necessary to get you home for the right care, your flight is covered.

Depending on the type of travel you are planning to do, you may actually get better coverage and a better rate by taking several single trip insurance policies out. This is because annual insurance is not really for higher-risk travel, but more geared toward retirees and business people. Take a look at both options before settling on a policy. Again depending on your requirements, some insurance policies allow for multiple trips with breaks in between when you are home again, instead of a simple 12 month plan. This way you can extend your coverage beyond a basic time frame, and still be covered for a number of trips.

Another important consideration is the ease with which you can communicate with the insurance company. In case of an emergency, you want to be able to contact your company without too much trouble, particularly if you need to be hospitalized overseas. Reviewing a companies communications policies is important, since there are often smaller players who offer attractive rates but are not as well prepared for emergencies as some of the bigger companies.

Unfortunately, all this precaution means having to read a lot of fine print and wade through legalese. That is the nature of insurance policies. When it comes to multi trip travel insurance, you want to be sure to find a reputable company that can provide basic coverage for most situations, are easy to contact in case of emergency, and offer a competitive rate that won't end up costing so much you can't afford to take the trip anymore!

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Travelling while pregnant can be a bit of a gamble. "When should be your cut off date? What kinds of travel are worse than others for heavily pregnant mothers? Should you risk it if the destination isn't prepared for or can't or won't offer maternity care?" The last worry you would want on top of this is "how much will it cost?" We take a look at the world of travel and pregnancy and see how having travel insurance on holiday is very important when pregnant.

When can and should you travel?

Experts differ as to when you should stop all travel if you are pregnant. To an extent it depends on the type of transport you are taking. Driving isn't usually a problem, nor is walking unless you are trekking along very strenuous trails (though doing almost anything close to the due date may induce labour). Travelling by ship or train are, similarly, not huge problems. The main type of travel that is unsafe while pregnant is flying. The pressurised environment is arguably bad for the baby the closer to term a woman gets, and may cause complications and possible premature births.

Most airlines, for example British Airways, don't allow pregnant women past 28 weeks to travel. Others allow you to fly after that with a doctor's certificate up to 36 weeks and not at all after that, but that can be pushing the limit.

Will my usual travel insurance cover me?

Many companies offer travel insurance up until 28 weeks, depending on the company and the individual case. Most standard travel insurance policies don't cover pregnancy as a medical condition, and therefore it's best to check with your holiday insurance provider before you go. Many standard and cheap travel insurance companies will offer top-up pregnancy travel insurance policies, and it's best to invest in one of those even just for the peace of mind it will bring. It's also best to check the facilities of the country you are travelling to and what documentation you might need - better to be prepared than be caught short while abroad where there's little you can do.

Do I only need travel insurance if going by plane?

No. When pregnant you will want to have the extra travel insurance in place even if you are going by train, ship, car or any other transport. This is because the main point of travel insurance whilst you are pregnant is to literally ensure that you can be pregnant and give birth in another country if necessary. Most countries have no national health provision, and health care is paid for on insurance or billed to your account when your procedure is over. Some go as far as not treating you if you are unable to pay for the treatment there and then. The last thing that you want when going into labour is to have someone questioning your financial situation. To make sure that you are covered for any foreign medical expenses, always check that you have travel insurance before booking your holiday.

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Travel insurance is one of the key things you should never forget whenever you plan for a holiday trip outside the country or an inside the country vacation. It is one of the essential things needed if you want to be covered in medical and other financial expenses you may incur during your travel. Most of the time, travel insurance can be arranged with your travel agent, and it can cover you up until the trip is over and you return to your place of origin. Most of the time, travel agents offer insurance as part of their travel packages, but considering some important facts in procuring a travel insurance, it is more practical to do it on your own than have your travel agent include it in your travel package if you want to have a more comprehensive and better travel insurance coverage worth the money you paid.

There are several travel insurance coverage you can choose from, depending on the frequency of traveling you do annually, and you can choose to either opt for a single trip or multi trip insurance coverage. If your travel plan only includes one trip outside or within the country, you can choose the single trip travel insurance policy, but if you are planning to take several trips within the year, it is more practical as it is cheap obtaining multi trip insurance than having single trip insurance every time you travel. This can also save you time from repetitive insurance application every time you are having a trip.

A multi trip insurance coverage is more often referred to as annual insurance policy and having it can significantly save you money in the process. When you are making plans for acquiring travel insurance, you have to be very precise with regards to the provisions that are inclusive in the policy and the conditions that are excluded by the insurance provider. Although a full coverage sometimes can be the best and practical option for most coverage, you can actually choose the items covered which you want to be included in your policy if you want to have a cheaper travel insurance premium. Sometimes, a cheap policy does not necessarily mean that it doesn't have excellent coverage. You only have to have to determine the type of coverage you think you may need and this can significantly lighten the premiums you have to pay on your provider.

Typical services offered by travel insurance providers are, emergency repatriation and/or evacuation, medical expenses incurred while traveling, personal accident cover, travel cancellation and restriction, delay, theft, loss or damage of properties while on the trip, like personal baggage, coverage for missed connection for those taking connecting flights, and personal liability coverage.

Understanding the concept and the importance is in fact, relatively easy. You purchase insurance for an established provider and in return, they can provide you cover, should an event like accidents, loss of personal properties, or other unanticipated things happen while you are on a trip.

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So you're getting global travel insurance, and you're up to the pre-existing conditions section. You're probably wondering whether you should declare and play it safe, or whether your predisposition to the sniffles is something to be brought to their notice. Hopefully this article will go some way to explaining the point of pre-existing condition surveys in global travel insurance, as well as explaining why you need to make it clear, and what is worth mentioning...

What are pre existing conditions?

When a travel insurance company offers you a policy, they consider the likelihood of you needing to claim on it. If you're doing something potentially dangerous, like skiing say, then you'll need a more expensive policy than someone planning on just seeing the sights of a city, because they're more likely to make a loss on you. Then of course there's the risk involved in covering the person going - certain people are more likely to have accidents than others. This is where pre-existing conditions come in. The idea is that people with, say heart complications, are more likely to need medical attention abroad than those who are as fit as a fiddle. It's worth mentioning too that you need to declare these even if you are on medication that keeps them under control - you never know when something may go wrong, and you'll need your global travel insurance company to foot the bill if the worst happens.

What happens if I keep them quiet?

Probably nothing... IF you don't need to make a claim! If you do need to, and it comes out that you neglected to mention your condition, the travel insurance company are well within their rights to refuse to pay the expense. Make sure you have it in writing that your condition is covered too - take no risks, and you should be fine.

What conditions are likely to be worthy of mention?

Anything that you are taking medication for, or that you have a family history of suffering is worth covering - and if you're in doubt, ask! The last thing you want to find is that your cheap travel insurance was worthless because the benign disease you've carried all of your life suddenly flares up in the sun!

Obviously some illnesses are going to send your premiums up, and these tend to be the ones that put you at a real risk: heart conditions, asthma, diabetes and allergies should be drawn to the insurers' attention. There are certain conditions that many cheap travel insurance companies will flat out refuse to cover: serious kidney problems, strokes, cancer and HIV sufferers are unlikely to find cover, but are doing themselves no favours by buying travel insurance without declaring - because their claim will be turned down anyway, should they need medical attention while abroad. The rule is that global travel insurance is designed to cover unpredictable emergencies, and not the usual protection you'd get in the UK - if you need cover of that kind, then you need to pay that bit extra.

So the lesson of this is that it's worth highlighting any serious conditions you have when ordering your cheap travel insurance, because if anything bad happens relating to the illness, then the policy may not be worth the paper it's written on! It may cost you a little extra by way of premiums, but as of many things in life, here honesty really is the best policy!

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World wide travel insurance provides you with comprehensive and customised insurance package for any kind of emergency situation no matter what your age may be. Cheap travel insurance policies for a range of trip types and travel needs. Travel Insurance companies have a number of levels of travel insurance to suit the different insurance needs of our customers. Annual Multi Trip insurance policy offers cover for those who travel more than once a year, while Single Trip insurance policies can cover travel of up to 365 days.

Certain provisions are to be made in certain instances. In case you decide to extend your overseas stay, the holiday insurance should be able to adjust to your travel needs. Your policy should be flexible enough as well as accommodate for any value that you might add during your holidays while making purchases.

Such travel insurance offers single trip travel insurance cover for 1-12 months for people aged up to 99 years of age , get a quote online. Travel insurance protects you on medical emergencies, flight delay or cancellation, loss of baggage, trip cancellation insurance etc.

World wide Travel insurance can be used to cover the following:

Medical Insurance: covers all your medical and dental expenses. Look out for the procedures of reimbursement of the emergency expenses.

Flight Insurance: a life insurance that safeguards you from any plane crash, and keeps your dependents happy. Here's where you get the least value for your money after all how often do planes actually crash?

Comprehensive travel Insurance : covers your airfare, car rentals, tour etc. better deal for travelers with less of the trip prepaid because coverage is the same regardless of the premium paid.

Interruption insurance and trip cancellation insurance - it covers losses you encounter when you cancel a prepaid tour of flight for an acceptable reason. It covers a host of reasons for cancellation from family sickness to weather that doesn't a flight to occur. If you have an accident you'll be flown home.

Trip Cancellation insurance: when you cancel a ticket or miss your flight due to delay, you will incur a loss of your flight charges. It covers a host of reasons for cancellation from family sickness to weather that doesn't a flight to occur. If you have an accident you'll be flown home.

Baggage Insurance: Your baggage insurance insures items such as jewelry, eyewear, electronics and photographic equipments. If the airline checked your baggage, it is covered by the airline not your rider.

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Annual multi trip travel insurance policies are a cost effective option for those who are considering travel coverage. These policies are feasible for those who plan to travel frequently during the course of the year and each stay is a long one. The maximum duration of each stay can be sixty days.

You can get both individual and family coverage under annual multi trip travel insurance policy. The family policy will cover two adults and all children below eighteen years of age.

An annual policy offers you extensive coverage, which includes up to ten thousand dollars for medical and repatriation and other benefits like vacation abandonment, catastrophe, personal effects, hospital benefit, personal accident hijack and baggage, cancellation and curtailment, personal liability, personal money, missed departure, travel delay and legal expenses.

Travel has become a necessity for almost everyone. Reasons can be different though; some need to travel for work while others travel to run away from their routine. It therefore has become very important for all travel insurance companies to provide all travelers with good insurance coverage. This is the case with annual multi trip travel insurance providers. They need to provide customized and affordable insurance policies to frequent travelers.

If you plan to make frequent trips in the coming year, then it is advisable to purchase multi trip travel insurance coverage rather than a single trip insurance policy. The cost of single trip insurance coverage would cost much more than a multi trip policy. Annual insurance packages provide better coverage at an affordable price. However, before going out and getting multi trip insurance coverage, you first need to figure out your travel plans and then get a customized policy.

At the very least, getting an annual multi trip travel insurance policy makes sense when you plan to travel more than once a year. This ensures that you can save your money and spend it for the right reasons rather than buying insurance for each of your trips.

Annual insurance plans ensure that you get coverage for each and every trip you make during a year, including both short duration as well as long duration trips with stopovers. You can be rest assured that all eventualities that happen while you are traveling will be taken care of by the annual insurance policy that you have purchased.

Buying the right insurance policy for travel purposes is very important as it can be the deciding factor in making your trip a pleasant one. For frequent travelers, multi trip travel insurance can be an unbeatable option when we talk of insurance plans pertaining to travel.

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In any case, you must, even if you are not a frequent traveler or one that is simply going to travel for a short period of time, consider taking short term travel health insurance. You need to start your search for a suitable short term travel health insurance plan by first checking out various insurance companies that specialize in providing travel health insurance.

Having found a company providing travel health insurance you must then narrow your search to then look for the type of short term travel health insurance policies being offered. You can be sure that most companies will offer short insurance plans to suit different categories of travelers including business travelers, students, immigrants as well as worldwide travelers either as individuals or as groups.

You will also find that a company providing short term travel health insurance will offer separate plans for domestic travel and for international travel. A typical short term insurance plan will provide coverage from as few as five days of travel to as many as three hundred and sixty-five days.

Before choosing a particular insurance policy you must also be sure that the policy covers more than illnesses and should cover you for emergency treatment as well as for accidents and perhaps even for coverage for any onset of sudden and acute pre-existing health condition.

A short term travel health insurance is ideally suited for a basic traveler and is equally beneficial for domestic as well as international travel and of course, students are a category of travelers who will benefit the most from such travel health insurance policies. The benefits of having overseas travel insurance are many and whether you are going abroad for a romantic vacation or are planning to indulge in adventure sporting activities; having an insurance cover that protects you even when you are abroad is almost a necessity.

It is not a good idea to travel without having insurance cover for every eventuality; especially, when it concerns your health. Whether you travel once in a while or frequently a travel health insurance (short or long term) will give you peace of mind knowing that you are well protected and this will help make your travels more enjoyable and carefree.

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