tag:blogger.com,1999:blog-73151933056832618012024-02-08T02:12:55.552-08:00Travel and Holiday Insurancervdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.comBlogger64125tag:blogger.com,1999:blog-7315193305683261801.post-51244463389058026582011-12-04T09:31:00.000-08:002011-12-04T09:33:54.596-08:00Top 10 travel insurance tipsTHE world of travel insurance can be difficult to navigate, with travellers often left in a nightmare situation when buying the wrong policy. <br />So, to make it easier for you, we've been in touch with travel industry experts and put together this top 10 list of things you might not know about travel insurance - and the things you need to avoid.<br /><br />1. Australians have no legal entitlement to financial assistance from the Government if something goes wrong while overseas<br /><br />Medical costs you may be hit with while overseas are not covered by Medicare and can end up being very expensive.<br /><br />"If you fall ill in countries like the US - with its sky-high health-costs - you will be hit up for huge medical expenses if you don't have adequate insurance cover," Doc Holiday said.<br /><br />While medical insurance should be a top priority, Government website Smarttraveller.com says you simply shouldn't travel without travel insurance of some kind.<br /><br />"Regardless of how well prepared, healthy and fit you are - if you cannot afford travel insurance, you cannot afford to travel," the Smarttraveller website states.<br /><br />2. You can insure your iPhone<br /><br />The growing cache of iPhones, laptops and other electronic devices carried by Australians has fuelled a surge in travellers seeking extra insurance cover.<br /><br />"These items not only posed a greater risk of theft, they could also take a traveller's total luggage value beyond the limits of their insurance," Travel Insurance Direct's (TID) Ian Jackson said.<br /><br />For example, TID's standard policies offer $12,000 luggage cover, including up to $4000 per item for cameras, laptops and hand-held computers, and up to $700 for other individual items.<br /><br />3. Be prepared to claim<br /><br />If you get robbed on your trip, notify the police within 24 hours and keep a copy of the police report - this will enable you to claim more quickly, according to travel.com.au's General Manager - Brand, Lisa Ferrari.<br /><br />Interestingly, you can't claim a personal item that an animal has stolen - so watch out for those monkeys.<br /><br />4. Medical condition loophole<br /><br />You can apply for cover for cancellations and additional expenses that arise due to an existing medical condition.<br /><br />While terms, conditions and an additional amount payable may apply based on your medical appraisal, it's definitely worth checking out and could save you heaps, Ms Ferrari said.<br /><br />5. Insure yourself in "safe" countries too<br /><br />A survey commissioned by Bupa Australia - which provides travel insurance under the brands MBF, HBA and Mutual Community - has found that 55 per cent of respondents purchase travel insurance based on their perception of a country's safety.<br /><br />But Bupa's Shane Williamson warns travellers not to tempt fate.<br /><br />"Some Australians believe they only need travel insurance if they're running with the bulls, or engaging in daredevil behaviour, which is simply not true," he said.<br /><br />"The reality is that we processed over 2500 travel insurance claims last year, and the majority of incidents occurred in destinations that were perceived as safe, with most claims related to common occurrences such as lost luggage, travel cancellations, or requiring medical treatment."<br /><br />6. Don't pay more just because you're old<br /><br />Some of Australia's most popular over-the-counter insurance policies are more than twice as expensive as online policies for travellers aged 60 and over.<br /><br />"Travellers are routinely being told they need to pay hundreds of dollars more than they should, simply because of their age," Mr Jackson said.<br /><br />"Others are being charged extra for pre-existing medical conditions that are relatively routine and should be covered for no additional cost."<br /><br />Advice? Look online at sites for travel insurance to avoid paying hundreds of dollars extra for age-based premiums, according to a leading insurer.<br /><br />7. Don't rely on your credit card company<br /><br />TID claims that thousands of Australians are unnecessarily exposing themselves to enormous risks by relying on travel insurance offered through their credit card providers. Many basic policies cannot be activated without producing a copy of your credit card and do not cover any business or sporting activities, such as rafting.<br /><br />TID also claims that it's not uncommon for insurance offered by credit card providers to only last three months, and once overseas, coverage cannot be extended.<br /><br />If you are planning to rely on the travel insurance provided by your credit card, you should, before travelling, obtain written confirmation that you are covered and of what exactly the insurance covers.<br /><br />8. Work out how the policy is calculated<br /><br />"The cost of travel insurance is usually based on the type of cover requested, the age of the insured, the travel destination and the duration of stay," Ms Ferrari said.<br /><br />It's important to figure out exactly what your package includes, and whether what's included is right for you. Always take time to purchase the right policy to suit your holiday - and if you're not sure, ask.<br /><br />9. Be prepared for some action<br /><br />Don't shy away from all those action sports and activities while you're away, just make sure you buy travel insurance before you leave.<br /><br />For example, "if you decide to go skiing in Austria, it could be very expensive to get insurance once on the ground, rather than in your overall policy prior to departure," Ms Moy advises.<br /><br />Check your policy cover before you go, and if you are going to participate in activities that aren't already covered (including skiing and many water sports), take out additional cover early to save you money.<br /><br />10. Shop around<br /><br />It's becoming a cliche, but shopping around for the best insurance policy can pay off. Look online, through travel agents, your credit card provider, and ask your friends what they've used in the past too.<br /><br />"Although it can be overwhelming sifting through the numerous insurance providers out there, it's important to shop around to find the best policy to suit your specific needs," Nicole Moy, managing director, Contiki Holidays, said.<br /><br />"A travel agent is a great place to start as they are already aware of what you need to suit your travel arrangements plus have access to a number of great deals."<br /><br />Make sure the cover provided suits your needs and is valid for the whole time you will be away – and be sure to read the fine print as well.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com11tag:blogger.com,1999:blog-7315193305683261801.post-24063414705885295272010-05-31T05:47:00.000-07:002010-05-31T05:50:09.890-07:00Travel Insurance - Common Traps When Claiming on Misplaced or Stolen Baggageby Jackson Taylor<br /><br />Do you know what to do if something goes wrong on your holiday? Plan ahead, take travel insurance, and review the tips below so that you will be prepared.<br /><br />Most of us will take out holiday insurance before going on vacation but do you know what to do when problems occur? Knowing upfront can save a lot of problems in the future. Review the following tips so that you can be ready.<br /><br /><span style="font-style:italic;">Proof of ownership</span><br /><br />Travel insurance companies will often refuse to pay for lost or stolen items unless that you can prove that they are yours. The best way is with the original receipt. Not everyone keeps all their receipts so this may not always be an option.<br /><br />Now, travel insurance companies are not all evil and will cover you for most things like clothes, toiletries, and baggage but without proof of price you'll often only get a part of the true replacement cost.<br /><br />It seems that these days everyone has a digital camera as they are so cheap. You should take a photograph of everthing you are packing. Get the brand and model where possible. Detail all this in a spreadsheet as well. Scan all receipts, manuals, warranty cards, or tags. You can claim when you get home but I’d recommend emailing all the photos, scans and spreadsheet to an online email account such as hotmail or gmail so you can claim while away if needed.<br /><br /><span style="font-style:italic;">Replacement value</span><br /><br />It has become common now for auto or home and contents insurance to offer new for old replacement. Travel insurance normall does not work like this. You'll typically be offered the price of your goods after depreciation. Usually you would be able to afford a second hand item with the amount offered. Some items hold their value really well and you actually won't be able to buy a replacement one for anywhere near the reimbursement the travel insurance company gives you. You should consider making a complaint with the company if this occurs. Provide proof of the true market value (e.g. from classifieds, second hand shops, or ebay). If the travel insurance company still refuses to cover the replacement cost then take it to the ombudsman.<br /><br /><span style="font-style:italic;">Stolen luggage and police reports</span><br /><br />Travel insurance companies will generally not just take your word for it when something is stolen. You will need to show them proof. Usually you can provide a police report but if it occured on an airplane or cruise ship then you'll need a statement from the company.<br /><br />Police reports can be difficult to get in certain countries. A fee may be required for this service. If the amount is small then pay it to avoid any extra hassle. For larger amounts you may want to confirm if this is normal. Consult your guidebook or search the internet. If not then your embassy or consulate should be able to help. There may be tourist police who are best to approach in this matter.<br /><br />If you cant speak the local language and the police can't understand you then you could try an online translation service (e.g. babelfish) or by finding a local or fellow traveller who speaks English and take them along (a tip is generally appreciated).<br /><br /><span style="font-style:italic;">Unattended baggage</span><br /><br />Typicall a travel insurance policy will not provide cover for when your luggage is left unattended. This may seem like it would never happen as you normally don't leave your bags in random places but unattended is usually described as being left in an unlocked place or with someone you don't know. Common scenarios are left luggage at hotels or hostels, with doormenFree Articles, or with tour companies.<br /><br />ABOUT THE AUTHOR<br />Jackson Taylor works as a specialist for Travel Insurance Reviews. Jackson has travelled the world extensively and likes providing insight about all the things he has learnt while adventuring. Read of his latest reviews for Australian Travel Insurance - 1Cover Travel Insurance review.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com6tag:blogger.com,1999:blog-7315193305683261801.post-58980489212897576662009-10-28T09:40:00.001-07:002009-10-28T09:47:03.568-07:00World Reviewer's Travel Tips: Travel InsuranceBefore You Take The Plunge: A Quick Aside<br /><br />Travel Insurance is a high stakes game. Some consider it a gamble, the sort that most of us have to do, placing a bet against our luck.<br /><br />How much money is wagered is really the game. The questions and criteria range from “How prone to accident or injury am I?” to “How lost or otherwise destroyed will my trip be if I have to do it without my luggage?” But these are only a few of the factors to take into account when figuring out the matter of travel insurance.<br /><br />Taking notes from the philosophies of certain twelve-step programs, the first step is admitting that there’s a problem – in this case that step means admitting that you need travel insurance – which can be a hard pill to swallow. Insurance is usually the last factor taken into account when planning a trip and for good reason - no one wants to think about what could go wrong on their vacation.<br /><br />Brass Tacks: The Basics for Travel Insurance<br /><br />These are most important questions to ask yourself when purchasing your travel insurance policy:<br /><br />* Am I covered for the entire duration of my trip?<br />* Am I covered for medical care in case I become injured or ill?<br />* Does my policy have 24-hour emergency service and assistance?<br />* Will I be covered if I damage property? How about if I am sued?<br />* Does my coverage extend to lost or stolen property?<br />* If I should fall ill or cannot otherwise finish my trip, can I decide to curtail or outright cancel my trip? If so, will I get my money back?<br />* What kind of extra risk will I put on myself on this trip? Will I be covered should the unthinkable occur?<br />* If the airline I booked my flight through goes bankrupt, will I be covered?<br /><br />Tips for choosing the right insurance<br /><br />* Read the fine print. The last thing an insurance company wants is to pay claims. Through murky language and exclusions, insurance companies limit their coverage and may leave you in the cold should a disaster strike – so clarify what you’re getting.<br /><br />* If you’re holidaying somewhere like the Amazon Rainforest purchase a policy that includes medical coverage appropriate to the danger level of a wild tropical climate – get covered for illness and injury.<br /><br />* Assume the best, but plan for the worst. If you take an uninsured ski vacation in Aspen, one rock on the ski run could be the difference between a cheap winter excursion and a small financial apocalypse when you’re removed from the slopes by air ambulance at your own expense.<br /><br />* You get what you pay for. Cheap insurance policies may seem thrifty, but there’s no point paying for insurance if it leaves you only partly covered.<br /><br />* Insurance you buy from travel suppliers can be less inclusive than policies purchased through insurance companies - read the fine print and make sure you’re getting the coverage you need. Travel companies make a profit selling insurance so buying it from an insurance company direct may even save you.<br /><br />* Take into account how much you travel each year. Frequent travellers, can save time and money by purchasing annual multi-trip insurance.<br /><br />* Even if you insure your luggage watch your possessions like a hawk. When it comes to lost or stolen luggage, the company is only legally obligated to pay you the amount you insure it for which could be less than the real value. If you’re taking jewellery or expensive camera equipment etc. on your journeyBusiness Management Articles, you may want to insure it separately. So much fraud occurs with “lost” or “stolen” camera equipment that some insurance companies will hesitate to honor your policy outright – especially if it’s professional equipment – but it can be easier if you have separate policies.<br /><br />* Make sure you’ve got your visa before you schedule a flight and buy insurance. Countries like China that require a visa can put a damper on your plans by refusing your application and many travel and insurance companies will not cover you in that event.<br /><br />ABOUT THE AUTHOR<br />World Reviewer will give you inspirational travel advice from a panel of experts who've been there and done that! Read more about tips for travel insurance and learn the top tips for credit crunch travel. Find exciting and new challenges and extreme sports for your next vacation.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com2tag:blogger.com,1999:blog-7315193305683261801.post-82029123941909192082009-09-11T04:24:00.000-07:002009-09-11T04:27:05.041-07:00Travel Insurance - It pays to check the small print!by Keith McGregor<br /><br />Whilst sometimes this is a totally justified call because miss-selling of travel insurance, though less frequent than in the past, still occurs, there is still a many people who take travel insurance out by simply ticking the box on the holiday booking form without as much as seeing what they are covered for. <br /><br />This is far from ideal when it comes to making a claim because pleading ignorance is never a strong position to come from. But you can help yourself if you follow a few simple rules: Always get a report from an official source within 24 hours if something goes wrong. A police report for theft, a tour operator’s reports for baggage delay and loss, an airline letter if you suffer travel delay and a Property Irregularity Report before you leave the airport if your luggage is lost or delayed. Without these, you will find that insurers will not readily settle your claim.<br /><br /># Know what valuables you are taking with you and take extra care of them. Valuables will be defined in your policy but generally includes all jewellery, mobile phones, computer games and equipment and cameras. Add to this list the personal money you take with you. By extra care, we mean you should lock them away in a safe in your room or carry them with you. They should never be left unattended and never in checked in baggage otherwise this will invalidate a claim.<br /><br /># Keep receipts. Not only will this help to substantiate your claim but you are more likely to get close to value of the lost items back, subject to wear and tear. If no receipt is provided then the maximum amount that will be paid back will be capped at a low level. If several unreceipted items are claimed then this will also raise suspicions that the claim is fraudulent and could be investigated.<br /><br /># Do call the Medical Assistance line if you have to go into hospital abroad or need medical treatment that could be costly. It is worthwhile doing this for anything that could be above £250. Once this is on record, you are generally well covered up to the agreed amounts.<br /><br /># And finally, whilst this guidance is for travel insurance policiesFind Article, many people will have a household policy in force that should cover ‘all risks’ up to a set value and this could also be used for a claims for personal belongings lost or stolen whilst on holiday but do check the small print again to see what exclusions apply.<br /><br />ABOUT THE AUTHOR<br />Keith McGregor is a partner of Strawberrysoup, a web design agency with offices in Chichester and Bournemouth. Strawberrysoup specialise in creative web design, content managed websites, search engine optimisation, search engine marketing and graphic designrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com2tag:blogger.com,1999:blog-7315193305683261801.post-53278240364034025362009-07-28T05:15:00.000-07:002009-07-28T05:16:42.018-07:00One way travelby Keith McGregor<br /><br />A common question asked in relation to travel is whether it is possible to buy travel insurance for one way travel. Yes, you can is the short answer but do look around as not every travel insurance policy provides this level of cover and you could be caught out.<br /><br />What do we mean by one way travel? This is taken to mean when someone has open ended travel plans and has not bought a return leg or, perhaps, if someone is emigrating and wants to have cover for the travel part of their itinerary. The advice here is to check the policy wording carefully. Some policies, mostly at the cheaper end of the market, will not have cover in place for one way travel and will require travellers to have purchased, or have proof of purchase, of a return ticket and insurers will ask to see this, if and when, a claim is made. Once you have found a travel insurance provider who will cover one way travel, you do need to remember that cover will only be provided for the period of their insurance or there could be a restriction on how long the cover is in place once you have arrived at your final destination. This could easily be overlooked. Likewise, don't assume that your annual multi-trip insurance policy will cover you for the period you spend away, as most of these policies do have trip limits. So if your annual policy allows you to take individual trips of, say, 31 days per trip, then if your one way travel exceeds this then you will definitely not be covered after that period. The same applies to single trip travel insurance policies. For instance, if you planning to take out a three week insurance policy to go backpacking in Europe this summer to attend Euro 2008, then don't exceed your insurance period and still assume you are covered. The lure of the open road, not restricted by an end dateArticle Search, has much to recommend it but don't let this search for complete travel freedom catch you out.<br /><br />ABOUT THE AUTHOR<br />Keith McGregor is a partner of Strawberrysoup, a web design agency with offices in Chichester and Bournemouth. Strawberrysoup specialise in creative web design, content managed websites, search engine optimisation, search engine marketing and graphic designrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-84403443117861124142009-06-02T01:34:00.001-07:002009-06-02T01:34:56.934-07:00Getting Covered all Over the World with World Nomads and TravelGuard Insuranceby Astrid Hermanssen<br /><br />When you are looking for travel insurance, you have more than one choice. There are many companies that offer travel insurance that includes insurance for the trip that you are taking in case of a hurricane or other type of disaster, insurance for lost bags, insurance for flight delays and insurance for illness when you are away. Two companies that offer packages on travel insurance include World Nomads and TravelGuard insurance.<br /><br /><span style="font-weight:bold;">Travel Insurance: Should you or Shouldn’t you?</span><br /><br />If you travel, you should consider getting travel insurance for your trip. The type of travel insurance that you get will depend on the type of travel you plan on doing. Obviously, if you plan on only traveling a short distance by car, you will not get travel insurance. If you are planning a world cruise, however, you are foolish not to get travel insurance.<br /><br />When you are planning your next trip, consider getting travel insurance. If something does go wrong on the trip, you can then recoup some of the money that you lost because of the mishap. The more expensive the travel plans are, the more you need travel insurance. This is especially true if you are planning on traveling out of the country and want to be sure that you are covered medically.<br /><br /><span style="font-weight:bold;">World Nomads v/s TravelGuard Insurance</span><br /><br />The type of package that you choose will determine the type of coverage that you get for your insurance. Many people who choose TravelGuard insurance, which is one of the top names in the travel insurance business, will choose a package that covers everything from lost bags to a missed flight connection.<br /><br />Both, World Nomads and TravelGuard Insurance offer packages that will cover just about anything when you are traveling domestically or out of the country.<br /><br />World Nomads is a relatively new travel insurance company that operates online. You can get a quote for World Nomads insurance right online and buy your policy. It is a travel insurance policy that is geared towards those going on cruises, although it covers accidents, lost luggage and illness as well. You have more than one option to choose from when you pick travel insurance with World Nomads. You will find that the rate for World Nomads is comparable to TravelGuard insurance.<br /><br />TravelGuard insurance has been around for a while and is one of the top names in the travel insurance business. As well as being offered to individuals who are planning their own trips, TravelGuard is also offered as a bonus for those who book their trips with travel agents. Many travel agents will recommend TravelGuard as the insurance carrier for someone going on a trip.<br />Both TravelGuard and World Nomads offer package deals that cover mishaps that can occur when you are traveling. World Nomads is a better package to get if you are going on a cruise as they have special cruise packages that are geared towards mishaps that can take place aboard a cruise, including illness. TravelGuard insurance is a more generalized form of travel insurance. The premiums for both of these types of insurance are comparableArticle Search, although you tend to get slightly more coverage by way of baggage value when it comes to World Nomads.<br /><br />ABOUT THE AUTHOR<br />No one likes to get sick abroad so go to TravelInsuranceReviewer.com and read up on user-provided World Nomads reviews and TravelGuard Insurance reviews to see if any of these providers answer your travel coverage needs.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-49956816299136329492009-05-18T07:04:00.001-07:002009-05-18T07:04:43.199-07:00Discover Benefits of Travel Accident Insuranceby Kirill Karpovich<br /><br />Nowadays people visit other county more often than early. You can buy a ticket and begin your travel to nice place in this world. But you should be sure to have some foundation for your tour. And this one will be travel accident insurance.<br /><br />Any experienced traveler can tell you that travel is full of uncertainties... But it is not possible to sit at home afraid of calamities.<br /><br />Travel accident insurance is one way of mitigating the financial risk of such unforeseen events or calamities.<br /><br />Man cannot stop traveling because of the unforeseen events. All these unforeseen events can be reduced by getting a good travel accident insurance policy. Travel insurance is most indispensable for the people who travel very frequently to different parts of world. The concept of travel accident insurance is very simple. The insured pays a premium; the company in turn pays any costs involved in case of accidents or other types of eventualities.<br /><br />There are a variety of travel accident insurance policies available today on the internet or the market. It is easy to get confused with so many offers. However most travel accident insurance policies have certain basic benefits which are common. They usually provide coverage for:<br /><br />Trip cancellation/interruptions. This can happen everywhere you trip. This due to a variety of reasons like terrorist activities or sudden illness, for instance.<br /><br />Medical costs.<br /><br />Costs incurred for doctor visits, medicines, treatment, surgery etc and some policies even provide coverage for costs of medical evacuation to nearest medical facility. Accidents.<br /><br />Accidents or calamities like earthquakes, tsunami, storms etc and the related costs. Some policies also provide vehicle accident costs. These are especially useful when going for a driving holiday to a foreign country. Most of your regular policies for auto insurance only provide insurance within the United States and do not provide for accidents out of the US. Baggage Loss.<br /><br />Costs incurred for loss of baggage and valuable is also covered by most travel insurance policies. These are especially useful when going out for a shopping holiday for antiques, valuables, jewelry or electronics. Whatever your main holiday concerns, travel accident insurance companies are sure to offer you comprehensive advice on what your greatest risks are, depending on your particular holiday location and the type of lifestyle and holiday pursuits you enjoy most. After all, if you can't swim and you're scared of heightsScience Articles, you're not likely to require anything more than the basic travel accident insurance package!<br /><br />ABOUT THE AUTHOR<br />Kirill Karpovich makes easy for understanding travel insurance. To read more about travel accident insurance visit http://www.my-travel-accident-insurance.blogspot.comrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com4tag:blogger.com,1999:blog-7315193305683261801.post-21582543154460706112009-04-30T05:04:00.000-07:002009-04-30T05:05:40.742-07:00Annual Travel Insurance Vs Single Trip Travel Insurance: Which Is Better?by Steven Clarke<br /><br />Travelling and taking holidays can be a lot of fun, but it can also be scary. If something goes wrong, you may find yourself in a foreign land amongst foreign people with no idea where to turn for help. Travel insurance prevents this from happening by helping you through all of the unforeseen circumstances that may befall you on a trip. Travel insurance can help cover expenses if you become ill or injured, lose your luggage, have a car accident or have to change your plans due to weather or illness.<br /><br />There are two basic types of travel insurance: annual travel insurance and single trip travel insurance. Annual travel insurance is purchased annually and covers all of your travels for the entire year. Single trip travel insurance is purchased at the beginning of each trip and is only good for that trip.<br /><br />There are benefits and drawbacks associated with each type of travel insurance. The following two sections will address the pros and cons of each.<br /><br />Pros and Cons of Annual Travel Insurance<br /><br />When you purchase annual travel insurance, you pay a one-time fee. This fee covers the cost of the insurance for the whole year. If you travel a lot, this price is almost always less than you would pay for multiple single-trip policies. But the price for annual travel insurance is also more than you would pay for one or two single-trip policies. So you need to have a clear idea of how often you will use the insurance before you spend the money for it.<br /><br />Annual travel insurance is ideal for people who travel a lot. Business professionals, people with family living abroad, and families with holiday homes usually benefit the most from such a policy. Students who have to travel back and forth from school may also benefit from this type of policy.<br /><br />Pros and Cons of Single Trip Travel Insurance<br /><br />Single trip travel insurance is the most cost effective way to purchase travel insurance if you only have need of it a couple of times a year. It is spontaneous. You can purchase travel insurance prior to any trip even if it is spur of the moment. It is also inexpensive. Single trip travel insurance normally costs about four to seven percent of the entire cost of any prepaid trip.<br /><br />If you make a lot of spontaneous trips, however, you could end up spending more than you bargained for if you purchase a separate policy each time you leave town.<br /><br />Both annual and single trip travel insurances offer the same coverage. The only real discrepancy between them is cost. Therefore, you need to choose the most cost effective way to purchase the insurance that best meets your needs. If you have any doubts, talk to a travel agent. They will be able to help you compare prices and coverage options. The most important thing is that you always travel while insured. You need to be prepared for everything that may happen.<br /><br />About Steven Clarke<br />Steven Clarke - Marketing Manager for www.mytravelinsurance.org.uk. We offer a travel insurance service which compares all the UK’s travel insurance deals to find you the cheapest insurance quote.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-2216859877874231932009-04-04T04:35:00.000-07:002009-04-04T04:37:40.687-07:00Travel Safety with Access America and Travelsafe Travel Insuranceby Astrid Hermanssen<br /><br />There are several different types of travel insurance that you can choose when you are looking to protect your travel investment. Two of the most well known travel insurance companies are Access America and Travelsafe Travel Insurance. If you are planning on traveling in the United States or abroad, it is a good idea to get travel insurance to cover the cost of your trip in case something goes wrong.<br /><br />Both Access America and Travelsafe Travel Insurance offer travel insurance for someone who is traveling in a variety of different methods - by air, sea or train. Access America is more geared towards domestic travel, although it is also used by those who are traveling out of the country. Many of the people who get Access America travel are getting it because they are going on a cruise.<br /><br /><span style="font-weight:bold;">Cruising along with Access America and Travelsafe Travel</span><br /><br />Cruises are the number one reason why people get travel insurance. Cruises are subject to many mishaps, especially when due to the weather. One of the best aspects about choosing Access America as your travel insurance is that they will insure a cruise. There are exclusions when it comes to insuring the cruise during hurricane season, but you can still get some type of insurance. This means that if your cruise is cancelled due to a hurricane or other act of nature, you can recoup some of your money.<br /><br /><span style="font-weight:bold;">Medical Coverage with Access America and Travelsafe Travel</span><br /><br />Travelsafe Travel Insurance is a good option when you are leaving the country and are worried about medical coverage. Medical coverage is something that many people are concerned about when they visit another country that may have foods that are different than what they are used to in the United States.<br /><br />Many people who are older also worry about medical coverage when they are out of the country. By getting a policy with Travelsafe Travel Insurance, these worries are alleviated. You can get the coverage that you need when you choose Travelsafe and chose one of their package deals.<br /><br /><span style="font-weight:bold;">Looking for Package Deals?</span><br /><br />Both Travelsafe Travel Insurance and Access America offer package deals for travel that you can get for yourself by going online. Both of these insurance companies also procure travel agents when it comes to selling the travel insurance. You can get the travel insurance through the agency itself when you are booking your own trip, or you can purchase the travel insurance when you book a trip through a travel agency.<br /><br />If you are looking for a good deal on cruise travel insurance, you may want to take a look at the packages that are available through Access America. They have reasonable cruise insurance packages that will even cover acts of nature.<br />If you are worried about getting sick when you travel outside of the country, you may want to check out Travelsafe Travel Insurance as a form of travel insurance. It is important to note that both of these travel insurance companies offer insurance for cruises, medical attention in other counties, lost baggage and other problems that may occur and cause you a loss when you are on vacation. If you are spending money on a tripFind Article, you will want to back it up by making sure that you have travel insurance.<br /><br />ABOUT THE AUTHOR<br />No one likes to get sick abroad so go to TravelInsuranceReviewer.com and read up on user-provided Access America reviews and Travelsafe Insurance reviews to see if any of these providers answer your travel coverage needs.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-37360004537757386602009-03-17T06:39:00.000-07:002009-03-17T06:40:18.530-07:00Travel Horror Stories – Six Tales That Will Make You Glad You’ve Got Travel Insuranceby Patrick Chong<br /><br />Tempted on skipping your travel insurance this year? Think again! With cheap holiday insurance widely available online and typically adding only a few pounds to the cost of your trip, there’s really no excuse not to buy it. If you’re still not sure, here are six stories that might help to change your mind – sometimes fate conspires against you in a particularly nasty way…<br /><br />Look Out Below!<br /><br />Here’s a story to make your skin crawl! A traveller in South Mexico had the misfortune to be the victim of a fly that lays its eggs in living flesh. The eggs hatched into four worms beneath the skin – three of them were removed easily by a doctor, but the last one was proving more problematic. The inventive doctor suggested leaving a piece of meat on the leg next to the wound – sure enough, six hours later the worm had been tempted half way out and could be removed entirely. Medical costs that are claimed on travel insurance usually aren’t as grisly as this!<br /><br />Scorpion Stowaway<br /><br />Despite the rigorous security at airports nowadays, occasionally something slips through. A penknife forgotten at the bottom of the bag, a tube of toothpaste that is over the regulation limits for liquids…or even a scorpion hiding in your backpack! On a flight from Miami to Toronto a tiny stowaway crawled out of someone’s backpack and stung another traveller. One can only hope that the unlucky traveller had holiday insurance to cover their medical bills and the likely delay to their flight!<br /><br />Legless at the Airport<br /><br />British Airways staff were left red faced after losing a New Zealand woman’s prosthetic leg…especially since she was travelling to compete in the world athletic championships for the disabled. That’s the kind of personal item that you really want your cheap holiday insurance to cover!<br /><br />Housetrained Police<br /><br />Sometimes threats to a traveller’s health, wallet, and sanity can come from the most unexpected sources - two police dogs at an airport in Thailand were suspended from duty for making “sexual advances” on passengers and then urinating on their luggage. It may sound like just a funny story, but without cheap holiday insurance the passengers would have to shell out for the replacement clothes and luggage themselves - or put up with some decidedly bad smelling underwear for the rest of their trip…<br /><br />A Victim of Intrepid Pickpockets or Just the Laws of Physics?<br /><br />A nervous traveller in Barcelona was warned that muggers and pickpockets were rampant along Las Ramblas, so before venturing out she filled her underwear with $1500 in Travellers Cheques. Naturally, before the day was out they had all disappeared, whether it was into the hands of especially adventurous pickpockets or simply down the legs of her trousers will never be known.<br /><br />The $150,000 Tick Bite<br /><br />You should never underestimate the cost of even the most minor holiday mishaps, as an unfortunate gap year traveller in America found out to his peril. Bitten by a moose tick, he then developed Lime’s Disease, a very dangerous condition that can lead to heart attacks and strokes. Several weeks in hospital meant that he missed his flight back home, but fortunately his travel insurance covered the cost of the medical bills and a replacement ticket – estimated to total over $150,000.<br /><br />About the Author<br />Patrick Chong is the Managing Director of Journey’s Travel. Their commercial travel insurance website, Insuremore, offers cheap holiday insurance and a quick and easy online claims feature.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com0tag:blogger.com,1999:blog-7315193305683261801.post-60148286791118560362009-01-29T06:18:00.000-08:002009-01-29T06:19:21.156-08:00Why You Should Not Buy Holiday Insurance From Your Travel Agentby Simon Christopher<br /><br />When you're planning a holiday or trip the last thing you want to consider is what could go wrong. This is no doubt the reason so many UK travelers take a holiday abroad without the protection of a travel insurance policy.<br /><br />For many of those that do protect themselves, it's often an afterthought with little attention paid to the quality of the cover or it's value for money. A large number of travelers who book their holiday through a travel agent, often choose the policy offered or suggested by the agent for convenience or because they assume the great deal they just got on their package holiday will be replicated with the travel insurance premiums. This is rarely the case as travel agents look to recoup some of the discounts they give on holidays from added extras they promote such as travel insurance.<br /><br />First of all, your travel agent is not an insurance expert. This means that they often know little or nothing about holiday insurance and how their policy compares to others on the market. They'll be able to give you the information that they've been told to give you, and they will have no problem selling it to you, but in most cases you won't get a choice of policies or providers so won't be able to guage if you are getting a good deal or not.<br /><br />Many travel agents are also agents of just one insurance company so you are restricting your choice to one or at most a hand full of providers chosen from a restricted panel. It might appear to be more trouble than it's worth shopping around for travel insurance and this is why many holiday makers prefer the simplicity of cover bought with their holiday at the travel agent. But as little as ten minutes on the internet at a price comparison website will open up the market and allow you to compare hundreds of policies by price and policy features. Armed with this research you can then consider the travel agent's cover from a position of strength and make an informed choice.<br /><br />Holiday insurance should be a vital part of your travel arrangements, particularly if you are traveling as a family. Thousands of people have their holiday dreams ambushed by cancellations, lost baggage and stolen possessions every year - to mention a few. That's why it's important to do your homework and if you are unsure, buy your cover from an expert. You wouldn't buy your holiday from an insurance broker so why buy your travel insurance from a holiday broker. As the saying goes, failing to plan is like planning to fail, and when your well earned holiday is at stake, a little effort now will be well worth the extra peace of mind.<br /><br />About the Author<br />Quickly find top rated, award winning cover from travel insurance companies like Marks and Spencer at http://www.uk-insurance-index.co.uk.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-39246819733004438932008-10-05T07:19:00.000-07:002008-10-05T07:20:26.325-07:00Travel Tours And Travel Insuranceby Jerry K. Blackburn<br /><br />If you are thinking of taking a vacation but you are not sure whether to take out travel insurance or not then this article is for you. Here you will find out the reasons why travel insurance is often an essential for every vacation that you take which will hopefully help you to understand whether or not you need it. <br /><br />The Advantages of Travel Insurance<br /><br />The warnings have been given plenty of times but so many people ignore the fact that no matter where you go in the world, travel insurance is often a necessity. So many things can go wrong whilst you are on holiday and whilst you may not think about it, if you are not covered by insurance then you could stand to lose a lot of money. Think about it – you spend a fortune on flights, accommodation, activities and clothes and so if you were to lose anything or become ill or injured and it had to end your vacation, it would not go down very well! <br /><br />Basically travel insurance is designed to protect you against a number of situations, though not all travel insurance plans are the same. Some will cover things such as theft whilst others will cover accident or illness. So it is important that you know exactly what your insurance covers if you do get it. <br /><br />One particular problem which could occur includes your flight or holiday being cancelled. Usually without insurance you would not get any money back but with insurance you could get a fund or at least a partial refund. This is particularly true in the case of terrorist attacks and these days there is a high chance of a terrorism attack happening throughout the world. You never really think of the things which could go wrong and so it is always better to be protected just in case.<br /><br />Another common occurrence within airports is your luggage could go missing. If this were to happen then you would be left with no clothes and potentially not a lot of anything. If you have insurance then you could claim anything that is lost or stolen so that is another advantage to having the right insurance for your vacation. No matter what vacation deals you are presented with, travel insurance should always come high in your list of priorities. In fact if you get good travel tours discounts then you would have more money left over to spend on the right insurance for you. <br /><br />Overall travel insurance can really help out in times of crisis whilst you are on vacation. Nobody wants to be caught unaware whilst on holiday but if you do not have any insurance then that is exactly what could happen.<br /><br />About the Author<br />Jerry Blackburn is writing primarily for http://www.alicante-spain.com , a web publication on spanish culture . His writings on Jobs in Spain are found on http://www.alicante-spain.com/spain-tips/jobs.htmlrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-40831287732661074002008-09-04T07:20:00.000-07:002008-09-04T07:21:04.209-07:00Check Your Homeowners Insurance For Travel Insuranceby Mike Trudeau<br /><br />In the past, travel insurance was often purchased through a travel agency or agent. This may still be the case in some circumstances, but travel insurance can be easily purchased via the internet these days. Travel insurance protects you against financial issues, or medical issues, that may arise while traveling. Most frequently it is purchased when traveling abroad. The reason being is that international travel is expensive, so it makes sense to hedge. It is often booked well in advance, so travel insurance can be comforting when it comes to making travel arrangements for that exotic trip.<br /><br />When it comes to selecting a travel insurance policy you should carefully evaluate the specifics. All travel insurance companies are not created equal. Some of the lesser-known travel insurance companies have loopholes in their service, so make sure to evaluate the fine print before purchasing. It is too easy to just take the travel agents word for it, do some evaluating.<br /><br />Before you go out and purchase a comprehensive travel insurance policy, it pays to take a look at your existing coverage. Take a look at your health insurance policy, it may or may not provide coverage for you when traveling internationally. This is critical, as extensive health coverage is often needed when visiting exotic locations. Also check with your homeowners insurance policy, as some of these homeowners insurance policies include travel insurance protection. Renters insurance, much like homeowners insurance may also provide protection. Booking your travel with a specific credit card may have its advantages. Some credit card companies offer minimal travel insurance protection, if the travel plans are booked with that specific credit card company. Make sure to book your travel with the most appropriate credit card.<br /><br />The most commonly purchased form of travel insurance is called trip cancellation insurance. Not only is trip cancellation/interruption insurance widely utilized, but it's cheap too. Trip cancellation travel insurance can be very useful when utilized on exotic trips, which are so often purchased well in advance. A lot can happen from the time you book your travel to the time of your travel. With the instability of energy costs, we don't know whether cruise companies or even airlines will be in business by the time we take our trip. Another example would be having to leave our trip early. We never know when we'll have a family or business emergency that will require immediate departure. Travel cancellation insurance provides this reassurance, and that's why it's so often recommended by experts.<br /><br />There are many other forms of travel insurance. You can purchase travel insurance that just focuses on your medical needs. This is important in areas that may not offer the best health care services. There is travel accident insurance, which is great when visiting that exotic location or traveling to extreme locales. This could provide airlift out of those hard to reach locations, which could not only save your life, but save your pocketbook as well. If you're interested in an all-inclusive travel insurance policy, you can purchase a policy that well include all of these benefits.<br /><br />If you decide to go with the travel insurance provider, make sure to do a little homework. If you have coverage that's pre-existing on your homeowners insurance or a credit card, it makes no sense for you to pay twice. Also, make sure that you are covered for what you expect to be covered for. It is not unusual for some of the less, not insurance companies to have loopholes in their fine print, which alleviates them from payment. When you need them most. This is why it's always a good idea to go with a well-known company.<br /><br />About the Author<br />If you would like more detail on how travel insurance works you can visit the site for more details. Moreover, you can find more on the importance of homeowners insurance and how it may affect your unique situation.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-40940965381265211812008-08-14T02:58:00.000-07:002008-08-14T02:59:13.594-07:00World Wide Travel Insurance: Travel Without Tensionsby Henry Bell<br /><br />Is your travel plan taking you out of Europe this holiday? Then, you definitely need a worldwide travel insurance policy for yourself and your family members. <br /><br />Many people are traveling out of their country or continent to far off places. Traveling worldwide is not a new phenomenon. With the fast growing up of speedy transportation facilities, people in large numbers are traveling to distant countries; the countries you are not familiar with. What if you fall ill there? What if your flight gets cancelled due to some or other reason? You might not have any idea of the costs of treatment in that country. It may be much higher than your home country. The solution to all these problems lies in purchasing worldwide travel insurance. <br /><br />Worldwide Travel insurance is of various types:<br /><br />Single Trip Travel insurance: Be it visiting Ibiza or the Caribbean islands, single trip world wide insurance is the best insurance to purchase if you are planning to travel for once a year. You can buy this policy for yourself individually or for all your family members.<br /><br />Multi-trip or annual travel insurance: This is the perfect policy if you and your family like to travel more than once a year.<br /><br />Adventurous travel insurance: Are you planning to go for tracking in the Great Himalayas of India, or go on a trip to the Sahara desert? Whatever may be the reason, if you like adventurous travel, buy adventurous worldwide travel now. <br /><br />Business travel insurance: If you have to travel frequently to different countries for your business, then business world wide travel insurance is the best policy for you.<br /><br />It is good if nothing happens to you during your world wide travel, but no one can envisage what is in store in their future. Any incident can happen; so it is better to purchase world wide travel insurance than be sorry. <br /><br />To search for the perfect quote you need to do a lot of research. You have to find out about the various companies that offer world wide insurance, and then you have to find out their rates, compare them, and finally purchase them. All of these require a lot of time and patience. But now with the internet facilities this work is made easier and less time consuming. Browse through the pages and purchase for yourself world wide travel insurance.<br /><br />About the Author<br />Henry Bell is proficient in the insurance world; he is an MBA from University of Oxford. Insuranceb endeavors to find the best possible deals for its customers. To find Car insurance,Worldwide Travel insurance,Home owner insurance,Van insurance,Motorcycle insurance vsit http://www.insuranceb.co.ukrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com0tag:blogger.com,1999:blog-7315193305683261801.post-342931983806105532008-07-28T05:40:00.000-07:002008-07-28T05:42:35.847-07:00New Type Of Travel Insurance For Independent Travellersby Christian Ward<br /><br />AXA launches new Independent Travellers insurance for growing market of 'go-it-alone' holiday makers.<br /><br />Despite the increasing economic gloom, the holiday season is approaching and millions of Brits will be preparing to travel abroad over the summer months. But AXA warns that increasing numbers of people arranging their own holidays may be leaving themselves exposed despite taking out travel insurance.<br /><br />Over the last few years the number of Independent Travellers has overtaken the number of Package Holiday Travellers. Internet access and low-cost airlines have helped escalate this trend in 2006 over 16 million Independent Travellers headed overseas for holidays between April and September*.<br /><br />However, insurance provision has not kept pace with the changing profile of the British holidaymaker and Independent Travellers can find that there are gaps in their insurance cover which AXA are addressing with their Independent Travellers cover, available with AXA travel insurance from www.axa.co.uk/travelinsurance.<br /><br />The new product is an optional extension which costs as little as an additional £10 for annual European cover. It covers travellers for a number of areas such as problems with flight cancellations or delays, missed connections or the customer being denied boarding.<br /><br />With a package holiday, the tour operator or travel agent is legally required to make suitable alternative arrangements for such eventualities, but the independent traveller must make and pay for their own arrangements.<br /><br />Edward Dutton, AXAs Personal Insurance Director said: We are aware from our own claims area that Independent Travellers have run into problems with their travel insurance and a recent report from Defaqto underlined the need for insurers to offer cover that helps customers when things go wrong the things that would normally be picked up by a tour operator or travel agent if it were a package holiday.<br /><br />We believe that the rise of the Independent Traveller is something that all insurers should be addressing as the Ombudsman pointed out in his latest report. There is clearly a mismatch in what insurers intend to offer and the cover that consumers believe they are buying.<br /><br />The additional cover offered by this optional extension includes:<br /><br />* delayed departure compensation for delays exceeding 5 hours occurring at the departure point of any connecting flights or booked public transportation on both the outbound and return journeys<br /><br />* cancellation costs if you cancel your trip, or additional expenses to reach your destination because your flight from the UK was cancelled, delayed for more than 5 hours or you were denied boarding due to the flight being overbooked<br /><br />* additional accommodation and travel expenses if you are delayed and miss any onward connecting flights or other public transport<br /><br />* irrecoverable unused accommodation costs or additional expenses if your trip is affected by insolvency of the providers, an outbreak of food poisoning or infectious disease or natural disasters such as fire, flood or earthquake<br /><br />* Travel Trends 2006: based on 69.5 million visits abroad in 2006, 65% of which were for holidays = 45 million. Of these 63% were taken between April and September = 28 million. Independent Travellers account for 58% of holidays = 16 million.<br /><br />About the Author<br />Christian is an author of several articles pertaining to Travel Insurance. He is known for his expertise on the subject and on other Business and Finance related articles.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-24009885568013783042008-07-14T06:14:00.000-07:002008-07-14T06:15:07.718-07:00Business Travel Insuranceby Jigsaw Conference Venues<br /><br />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 travelling 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.<br /><br />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.<br /><br />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.<br /><br />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.<br /><br />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.<br /><br />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!<br /><br /><br />ABOUT THE AUTHOR<br />Corporate travel for people who book business trips from all continents Tel: 08700 490002 or +44 (0)1780 484824 visit http://www.jigsawconferences.co.uk/ or http://www.jigsawconferences.co.uk/Travelrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-84254355993213999542008-07-05T05:51:00.001-07:002008-07-05T05:51:50.605-07:00Travel Insurance - Gap Year And Backpacker Travelby Jean Andrews<br /><br />There are many hazards and dangers that gappers can encounter if they don't do their homework and plenty of research before setting off. Many of us wish we could blaze a trail across new frontiers, but the reality is that someone has already been there, done that, and got the tee shirt. Nevertheless, it's a good idea to network with those who've gone before you and take advantage of their knowledge. <br /><br />Perhaps one of the most important tips is to thoroughly check out any company before paying money up front! Many of these companies may profess to be experts who can set up a complete overseas volunteering package for you. Some companies are legitimate, but others may not be. No matter how intrepid you think you are, you wouldn't really want to find yourself stuck in the jungle surrounded by malaria-ridden mosquitoes without a reliable lifeline or helping hand back to civilization. Would you?<br /><br />I've researched and written blogs and articles about this subject in the past and the bottom line seems to be 'get the facts and then double check them, and then check again.' For many young people it will be their first time away from home alone - so having reliable and solid support is vital. <br /><br />Gap Year travel has become the norm, and almost expected of any self-respecting student. However, it's not just students taking that year out these days. Many choose to take a gap year as a career-break, perhaps while switching careers mid life. Mature travellers have the time and money to set off on adventures and make up for what they missed out on when younger. No matter what age or what your plans are, the Internet is sure to play a big part in planning your gap year. It's a tremendous resource. <br /><br />Taking a gap year wasn't always an option unless you came from a very wealthy family. Going back a few centuries, the young upper classes went on the Grand Tour of Europe as a rite of passage and part of their education. They were the first gap year travellers, but they were the privileged few. Our handsome princes, William and Harry, did their gap year volunteering and weren't afraid to get their hands dirty. I think we'd all agree they have turned into terrific young men.<br /><br />A gap year could encompass volunteering in an overseas work program. Other options might include working in a ski resort or dude ranch, an exchange program, a language course or other course of study, or just taking off on a backpacking Odyssey. Whichever you choose, it's sure to be an eye-opening and character building look at other cultures. A large percentage of the volunteering opportunities will be in African countries, but there's a need for volunteers in many other parts of the world. Other popular destinations for gappers and backpackers include Peru, USA, Canada, Australia, Mexico, South America and Chile. <br /><br />Planning well ahead is essential, especially to ensure you get all the vaccinations you'll need for the countries you plan to visit. Make sure your passport has plenty of time left on it and apply for all the necessary visas. As you'll need to book long-haul flights in advance it's also important to purchase the right type of travel insurance - as well as coverage for any planned sporting activities.<br /><br />Using the internet social networking sites makes it easy for travellers to stay in touch with family and loved ones and share experiences and photos online. I know it's not as fast as shooting an email through cyberspace but, personally, I still think it's nice to receive postcards from foreign places with the colourful native stamps. People don't have time for snail mail these days. <br /><br />There doesn't seem to be a downside to taking a gap year. The best advice is to use the internet to research your destinations and arm yourself with as much knowledge as possible. Read the reviews and tips provided by other travellers - they could help you avoid bad experiences - as well as share in the good ones. You can network with other travellers, find good value hostels and places to stay, get in on the best restaurant deals, and pick up useful backpacking tips. <br /><br />I heard a good-natured gripe from a young woman who is off backpacking alone in Southeast Asia. She felt that she was just following the same route that thousands of others were on and her experiences were not worthwhile or special. Maybe she should stop worrying about being unique and just enjoy it and take advantage of the input and experiences of others. They learned their lessons the hard way so that she doesn't have to!<br /><br />About the Author<br />Jean Andrews is a freelance writer living in the UK. She regularly contributes articles for TIA Ltd who offer backpackers travel insurance.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com0tag:blogger.com,1999:blog-7315193305683261801.post-20878253631810059542008-07-03T04:45:00.001-07:002008-07-03T04:46:28.979-07:00Do I Really Need Travel Insurance In St. Thomas?by Justin Burch<br /><br />When planning your vacation to St. Thomas, you may want to consider whether or not travel insurance is a worthwhile investment. When making this decision, the most important aspect to consider is your personal level of risk. As part of a Caribbean vacation package, travel insurance would firstly protect your investment should any unforeseen events occur that prevent your travel, such as you or a family member are admitted to the hospital before your vacation, a car accident occurs en route to the airport, or a natural disaster takes place. However, there are several other aspects to take into account when considering travel insurance. Here are some travel tips to keep in mind when assembling your Caribbean vacation package.<br /><br />As mentioned, trip cancellation / interruption (TCI) insurance can be very helpful if you have to cancel your vacation to St. Thomas. When you arrange your vacation package, you'll be given a list of accepted reasons for canceling, usually including those mentioned above. Keep in mind that TCI insurance doesn't allow you to alter your vacation plans because you changed your mind or have concerns about travel.<br /><br />Travel insurance is probably a good idea if you are a senior or have a pre-existing medical condition, as special coverage options exist. Complicated itineraries, guided tours, multiple stops or cruises are also good candidates for insurance based on the possibility of missed connections or delays. Also, if you absolutely have to be in St. Thomas, insurance simply goes without question.<br /><br />Many travelers are protected for certain contingencies under their medical, auto or homeowner’s insurance policies or through the benefits offered by some credit card providers. However, some coverage may not extend outside the country and could include deductibles. Hence, you will need to check the fine print of your existing policies and benefits and compare the coverage with your overall travel risks.<br /><br />Two important types of insurance to consider for a vacation to St. Thomas, regardless of existing coverage, include supplier default insurance – to offset problems you might experience with tour operators or accommodations in St. Thomas – and emergency medical care / medical evacuation coverage.<br /><br />On the surface, many policies may sound great, but specific airlines, accommodations, cruise lines, car rental companies or tour operators may not be covered. In fact, several large domestic airlines companies were stricken from some travel insurance plans when bankruptcies were filed.<br /><br />Always remember, it is very important to read the fine print when shopping for travel insurance. Never make any assumptions about what your policy covers. Also, ask the agent questions about any scenario that may affect you to see if the coverage is what you need. If you are looking for specific contingencies in a travel insurance plan, many providers can sell add-ons to meet your needs. <br /><br />You should also try to avoid buying travel insurance through a tour operator or cruise line. In the event that the tour company goes out of business or bankrupt, your insurance and money may go with it. Instead, use a reputable insurance provider with offices located in St. Thomas and committed 24/7 customer service. If you can’t find a company, ask your travel agent for a recommendation.<br /><br />Avoid purchasing unnecessary travel insurance package perks, in many cases, additional coverage for luggage and rental cars is superfluous. Chances are your credit card provider or existing auto insurance policy offer at least collision coverage for auto rentals. Additionally, most airline companies offer up to $2,500 of luggage liability per passenger for lost or damaged items.<br /><br />As you will traveling outside of the United States, the necessity for some type of travel insurance is certainly more pressing than it may be for a domestic vacation. You will need to determine what your overall risk is when traveling to St. Thomas and weigh that risk against the cost of travel insurance. Generally speaking, more extensive insurance policies – protecting your airfare, accommodations, health and personal belongings – add about 5-10% onto the cost of your vacation. When abroad, 5-10% can be a small price to pay for security and piece of mind.<br /><br />About the Author<br />Justin writes select pieces about travel in Caribbean for the Frenchman's Reef & Morning Star Marriott Beach Resortrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com0tag:blogger.com,1999:blog-7315193305683261801.post-13108687573475003862008-06-30T04:01:00.000-07:002008-06-30T04:02:32.883-07:00How To Travel With Your Pet - What Travel Insurance Do You Need?by Jean Andrews<br /><br />As a race, we Brits are very attached to our pets. So much so that we can't even go on holiday without taking our best-friend and companion with us. Therefore, while it is essential to purchase a good travel insurance policy for yourself and your family, don't forget pet insurance - as well as pet travel insurance - for your beloved four-legged friend!<br /><br />Purchasing pet insurance to cover vet bills at home is essential, but what would happen if you took your pet on holiday to another country and it went missing or was stolen? Would your ordinary pet insurance policy cover the costs if your pet needed the emergency care of a vet while there? Just as for your own travel insurance, pet travel insurance can be purchased for single trips or annual policies and multiple trips.<br /><br />More and more people are choosing not to trust their best friend to pet-sitters, kennels and catteries, instead choosing to take their pets with them on holiday. Pet owners often prefer to take road-trips within the UK and there are websites, books and directories listing pet-friendly hotels which will welcome your pet. If you decide to go by car, don't forget to make sure that your Vehicle Breakdown insurance is up-to-date before you set off! You may think that all these insurance premiums are too much trouble and unnecessary, but they are a small price to pay for peace of mind - and a fraction of the price you'd pay if things should go wrong.<br /><br />Pet owners can take their pet abroad with them now without all the headaches of quarantine, thanks to PETS (the Pet Travel Scheme) set up by DEFRA (the Department for Environment, Food and Rural Affairs). The scheme makes pet travel (cats, dogs and ferrets) easier for everyone. The scheme applies to many European Union countries and some listed non-European countries.<br /><br />Your pet will need a pet passport - and photographs are optional (check on latest rules re ears up or down, tongue in or out, tail wagging in background, etc.). A pet passport is required to take any cat or dog (including assistance - seeing-eye and hearing dogs) out of the country. It is also necessary to have your pet micro-chipped. Then there will be the rabies vaccinations and blood tests in order to obtain the necessary PETS certificate. Lastly, will be treatment for tapeworms and ticks.<br /><br />Be realistic about whether your pet is healthy and fit enough to make the journey as travel can be stressful for them. You'll need to buy a suitable and approved travel container. It's a nice idea to get your pet used to the container prior to the journey and put their favourite toy, or perhaps an old piece of your clothing in it. Check with the company which will be transporting your pet to make sure you have complied with their rules and regulations.<br /><br />Those who choose not to take Rover or Diva on holiday with them are not off the hook either… Be warned that there are laws to protect your pet! The Animal Welfare Act came into effect in April 2007 in the UK, meaning that you have a legal responsibility to make sure your pet is cared for properly - even in your absence. Penalties for neglecting or abusing an animal could result in a fine or free room and board at one of Her Majesty's no-frills human boarding establishments.<br /><br />One additional advantage of having your own travel insurance policy is that it may contain a section pertaining to pet care and provide cover for kennel or cattery fees in the event you should be delayed in returning for any reason.<br /><br />Thinking about going on holiday and taking your pet with you is just the beginning of the journey - there is so much more information you need to research to ensure that the trip will be an enjoyable one for you, your family and your pet! Your travel insurance agent is a good place to start. They will be able to offer information and advice regarding all your travel insurance needs.<br /><br />About the Author<br />Jean Andrews is a freelance writer living in the UK. She regularly contributes articles for TIA Ltd who offer travel insurance for pets, children and even adults!rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-2748864462487769602008-06-27T03:31:00.000-07:002008-06-27T03:32:30.165-07:003 First Class Reasons For Buying Travel Medical Insuranceby Donald Saunders<br /><br />For most people travel insurance is merely seen as one of several extras that the travel agent tries to get us to add to our holiday package to help boost his profits and to make our holiday even more expensive than it already is. But, there are 3 very important reasons for ensuring that you do not leave home without your international travel medical insurance policy in your pocket.<br /><br />First, a travel insurance policy will protect you from losing all of your financial investment in your holiday should an emergency crop up and you are forced to cancel your trip. This is especially true when you are arranging your holiday well in advance because you never know what may happen in the weeks or months leading up to your trip. This said, by their very nature emergencies tend to appear at any time and without warning and so this is one form of protection that really should not be set against any timeframe.<br /><br />It is only natural to think that nothing is ever going to happen to us but a holiday trip can often involve a considerable up-front payment and the loss of this money could well mean that you are unable to re-arrange your trip later on.<br /><br />Second, a travel insurance policy permits you to pay for medical treatment both while you are traveling and at your destination and, if you are unlucky enough to have a serious illness or accident, will also pay for you and your family to return home if this proves necessary.<br /><br />Medical treatment could well be excellent abroad and it might even be considerably less expensive than it is at home. Nevertheless, a stay in hospital might still lead to a very large bill that will eat deeply into your spending money. You might also find that medical treatment abroad leaves a lot to be desired and you might well need to curtail your trip and head back home to get the treatment you require.<br /><br />Third, a travel insurance policy will protect the value of your possessions both while you are traveling and abroad so that you will receive compensation in the event of loss.<br /><br />If you have spent any time traveling then you will almost certainly have suffered the loss of your luggage at some time and will know only too well just how inconvenient and costly it is. I will never forget stopping for a meal on my way to the airport at the end of one particular holiday and very carefully securing my bag in the trunk of my hire car. When I returned about thirty minutes later I found that someone had picked the lock on the passenger door and folded the rear seat down to get into the boot and remove my case.<br /><br />I also remember only too well sitting at a road junction one hot and sunny day when a motorcycle pulled up alongside the car and a man reached in through the open passenger side window and snatched my mother's purse which was by her feet on the floor.<br /><br />Traveling overseas is expensive at the best of times but traveling without adequate insurance can land you with bills which you simply do not have the money to pay. So, if you are planning a trip remember to add travel insurance to your holiday list.<br /><br />ABOUT THE AUTHOR<br />MedicalHealthInsuranceToday.com provides a wealth of information on everything from finding low cost health care insurance to health insurance for a studentrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-14286331462315285682008-04-24T08:45:00.000-07:002008-04-24T08:46:10.411-07:00World Wide Travel Insurance: Travel Without Tensionsby Henry Bell<br /><br />Is your travel plan taking you out of Europe this holiday? Then, you definitely need a worldwide travel insurance policy for yourself and your family members. <br /><br />Many people are traveling out of their country or continent to far off places. Traveling worldwide is not a new phenomenon. With the fast growing up of speedy transportation facilities, people in large numbers are traveling to distant countries; the countries you are not familiar with. What if you fall ill there? What if your flight gets cancelled due to some or other reason? You might not have any idea of the costs of treatment in that country. It may be much higher than your home country. The solution to all these problems lies in purchasing worldwide travel insurance. <br /><br />Worldwide Travel insurance is of various types:<br /><br />Single Trip Travel insurance: Be it visiting Ibiza or the Caribbean islands, single trip world wide insurance is the best insurance to purchase if you are planning to travel for once a year. You can buy this policy for yourself individually or for all your family members.<br /><br />Multi-trip or annual travel insurance: This is the perfect policy if you and your family like to travel more than once a year.<br /><br />Adventurous travel insurance: Are you planning to go for tracking in the Great Himalayas of India, or go on a trip to the Sahara desert? Whatever may be the reason, if you like adventurous travel, buy adventurous worldwide travel now. <br /><br />Business travel insurance: If you have to travel frequently to different countries for your business, then business world wide travel insurance is the best policy for you.<br /><br />It is good if nothing happens to you during your world wide travel, but no one can envisage what is in store in their future. Any incident can happen; so it is better to purchase world wide travel insurance than be sorry. <br /><br />To search for the perfect quote you need to do a lot of research. You have to find out about the various companies that offer world wide insurance, and then you have to find out their rates, compare them, and finally purchase them. All of these require a lot of time and patience. But now with the internet facilities this work is made easier and less time consuming. Browse through the pages and purchase for yourself world wide travel insurance.<br /><br />About the Author<br />Henry Bell is proficient in the insurance world; he is an MBA from University of Oxford. Insuranceb endeavors to find the best possible deals for its customers. To find Car insurance,Worldwide Travel insurance,Home owner insurance,Van insurance,Motorcycle insurance vsit http://www.insuranceb.co.ukrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com0tag:blogger.com,1999:blog-7315193305683261801.post-78529674926530839302008-03-28T09:23:00.000-07:002008-03-28T09:24:33.982-07:00Cheap Annual Family Travel Insurance: Travel Without Tensions!by Henry Bell<br /><br />The growth of fast and speedy communication system has given a boom to traveling industry. Many people are traveling at regular intervals to different places, be it home or abroad. Earlier, people went for holidaying only once a year, because of the harassment and the price involved in traveling. But because of the presence of this speedy and cheap transportation system, families all over UK have started traveling more than once a year. However, emergencies may happen any time; you might need emergency medical treatments, flight cancellation. All these can empty your savings account to a great extent. Therefore you should definitely buy a cheap and affordable family travel insurance policy for you as well as your family. <br /><br />Who does not want their family to be safe and secured, either at home or when they are not at home? But, we are no God! Misfortunes do happen; instead of crying over what has happened, we can prevail over those misfortunes. A Cheap and affordable annual travel insurance will assist you in overcoming this. <br /><br />Many people in UK are not so much enthusiastic about buying a family travel insurance policy because they assume that a family travel insurance policy is only for the wealthy few. But, that was the case some years back; today with the coming up of many travel insurance companies, the cost of family travel insurance has also drastically come down. So before any misfortune strikes and you lose all your money, be secured with a cheap family travel insurance policy. <br /><br />Cheap annual family travel insurance will not only ensure the safety of your family when you are traveling with them, but also when they are traveling alone with some other groups. Say for instance you can get coverage for your child who is traveling in school trips, or your wife who is traveling with her friends. <br /><br />Wherever you are planning to go, it is advisable not to step out of your homes without a cheap family annual travel insurance. A thorough research of the market has to be undertaken, if you want a cheap family annual travel insurance. This study and research is now made much easier with the internet facilities. You can compare any number of companies that are offering you with cheap family travel insurance and purchase the best policy out of all those policies. So go get cheap family travel insurance now!<br /><br />About the Author:<br />Henry Bell is an author who can certainly identify the kind of insurance that you will need.To find Cheap annual family travel insurance , medical insurance, building insurance, business insurance, holiday insurance in the UK visit http://www.insuranceb.co.ukrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com0tag:blogger.com,1999:blog-7315193305683261801.post-4109140273693484812008-03-04T03:59:00.000-08:002008-03-04T04:00:26.467-08:00Travel Insurance: Minimize The Risks Of Travelby Henry Bell<br /><br />Are you planning for a trip in UK or abroad, but is afraid of the unforeseen and unpredicted events that may take place during the trip, like fight cancellation, sudden illness or natural catastrophes. A simple fracture or a simple injury can cost you a fortune. Apart from health problems, you may lose an expensive item or your baggage; there may even be flight cancellation. To shield your travel from all these problems and to make your trip more pleasant, you should certainly purchase travel insurance<br /><br />Travel insurance is an insurance purchased from a company to meet the expenses of a tour or tours taken by an individual either for the whole family or for him individually. Travel insurance covers the cost of personal accident, medical expenses, air ambulance, repatriation costs and all other expense that may arise as a result of loss, damage, injury, delay or inconvenience occurring to the client. This policy covers trip cancellation also.<br /><br />Travel insurance covers the travel insurance deals for:<br /><br />Single Trip Travel Insurance<br /><br />Annual travel insurance<br /><br />Ski/ winter sports Travel Insurance<br /><br />Backpackers Travel Insurance<br /><br />Adventure Travel Insurance<br /><br />Business Travel Insurance<br /><br />Single Trip Travel Insurance: It is basically for those who have plans to travel in UK or abroad for once in a year. It is totally flexible and easy to purchase.<br /><br />Annual Travel Insurance: This type of insurance is sponsored for unlimited trips for a whole year. The couple and the family policies cover all people individually even if they are not traveling together. <br /><br />Ski / Winter sports Travel Insurance: This type of insurance is provided for winter sports like skiing and snow boarding.<br /><br />Backpackers Travel Insurance: This type of insurance is perfect for students who are planning long trips abroad or within Europe. The students who are planning to take a gap year can enjoy the full benefits of this policy. Even elder people up to the age of 45 can avail this insurance. <br /><br />Business Travel Insurance: This is basically the insurance given while one is on a business trip. <br /><br />Adventurous Travel Insurance: If one needs more than sitting in the beach for hours, then go for an adventurous travel abroad. But before that insure yourself with adventurous travel insurance.<br /><br />There are certain pre-conditions that need to be fulfilled before your insurance company gives you travel insurance. To avail this insurance policy, one has to be a resident of UK, below the age of 70, should not be instructed by any doctor or medical supervisor not to travel in the next 12 months. <br /><br />It is a very important task on your part to check all the details of the insurance company before buying travel insurance. Almost all the insurance companies now have websites of their own. So it is easier to shop around for you to search for the right insurance plan.<br /><br />About the Author:<br />Henry Bell is an author who can certainly identify your kind of insurance.To find Car insurance, Travel insurance, Home insurance, Van insurance, Motorcycle insurance, Holiday insurance, Pet insurance in the UK visit http://www.insuranceb.co.uk/rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1tag:blogger.com,1999:blog-7315193305683261801.post-79054077966609213742008-02-16T04:59:00.000-08:002008-02-16T05:00:32.054-08:00Travel Medical Insurance: Insure Your Health During Your Travelby Henry Bell<br /><br />Getting injured or falling sick is the last thing that anyone has in mind when one is planning for a holiday. But you should keep in mind that traveling anywhere entails risk. Even in the safest of journey, there is the possibility of falling ill or getting injured. All these can cost you hundreds and thousands of pounds and you will be left with a very little money for your traveling plan. To avoid this you need to purchase a travel medical insurance and thus let your finances be taken care of by this policy.<br /><br />Simply put, medical treatments outside Europe can be costly and your normal travel or medical insurance might not give you an extensive coverage for all these treatments. Sometimes, even the cost of returning home at the time of illness can be very expensive. All these will be taken care of by travel medical insurance.<br /><br />There are different types of covers of travel medical insurance and they are:<br /><br />• The medical costs on your trips, cost of treatments and also the cost of medicine.<br /><br />• Travel medical insurance will also give you a coverage for medical evacuation to the nearest medical health facility.<br /><br />• In case of death of any of the members of your group, your travel medical insurance will bear the cost of returning of the death body to one’s home country. Many a times your travel medical insurance policy will also bear the cost of another person along with the dead body.<br /><br />But before buying any travel medical insurance, you need to read the policy document carefully. Many offers come attached with conditions. For example if you take unconventional medical treatments like ayurvedic and acupuncture, your travel medical insurance will not cover for the cost of these treatments.<br /><br />You are also required to undertake a thorough research of the insurance market. You should compare various travel medical insurance quotes from various companies and later, on full satisfaction, you should get a policy. Nowadays, almost all insurance companies have their own websites, where the information regarding various travel medical insurance plans are available. So you can search for a suitable travel medical insurance policy from these websites at an instant. Without a travel medical insurance policy, an illness or an injury could not only ruin your vacation but also might land you up in severe financial crisis. So why wait for long? Go and get a travel medical insurance policy now.<br /><br />About the Author:<br />Henry Bell is an author who can certainly identify the kind of insurance that you will need. To find travel medical insurance, medical insurance, building insurance, business insurance, holiday insurance in the UK visit http://www.insuranceb.co.ukrvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com4tag:blogger.com,1999:blog-7315193305683261801.post-59487204224885117502008-02-02T05:24:00.001-08:002008-02-02T05:24:59.581-08:00Selecting Travel Insurance Cover To Suit Youby Jonathan Hamber<br /><br />Seasoned travelers will be well aware that having travel insurance is one of the best ways to protect your holiday and business trips from the unexpected. This is the best way to guarantee that your dream vacation does not turn into your worst nightmare. As a general rule, travelers should read the policy wording or ask their insurer if in doubt as to what benefits are included before they buy travel insurance cover. The following are a few questions that are worth considering though to ensure that you end up with the most appropriate and cost effective cover.<br />What are you taking with you? Travel insurance cover often has maximum per item claim limits as well as maximum total claim limits for luggage so do a mental inventory of what you are taking with you and check whether the cover provided by the policy will be sufficient. Some insurers will allow you to buy additional travel cover if required. It is also good practice to keep a record of items and belongings that you are taking with you before you travel - with receipts if possible.<br /><br />Will you be driving a rental vehicle? If you are driving a rental vehicle it is advisable to ensure that rental excess cover is included before buying travel insurance. Keep in mind that you will be driving on roads you don't know, potentially on the 'wrong' side of the road, potentially with changed road rules, and potentially in conditions you are not used to.<br /><br />Are you covered for any existing medical conditions? Cover for existing medical conditions is generally not included when you buy travel insurance. This means that you may not be able to make any claims stemming from or related to existing medical conditions. [Some insurers do provide automatic cover for some medical conditions - travelers should check the policy wording for more information.] Generally it is necessary to apply for travel insurance cover for existing medical conditions - if accepted it will generally mean a loading amount is payable but you will get the extra cover.<br /><br />Are there limits to the cover? General exclusions are common and will be defined in the product disclosure statement and/or policy wording. These exclusions are generally fairly standard, but compare the travel insurance company you intend to purchase cover with against other insurers. Be aware of what you will be covered for and what you will not be covered for. Typical exclusions may include war, acts of terrorism, existing medical conditions and unattended luggage.<br /><br />Does it include features that you don't need? Unnecessary features will drive up the cost of travel insurance, so think about what you are want cover for and what you don't want cover for. By shopping around you should be able to find a level of insurance cover that suits you. It can also be worthwhile looking for travel insurance online and avoid the high commissions paid to travel agents that only drive up the cost of cover to you.<br /><br />About the Author<br />David Wright writes for Travel Insurance Cover, a premium provider of discount insurance cover for holiday and business travel.rvdhttp://www.blogger.com/profile/12646648610454358082noreply@blogger.com1