The prospect of travelling abroad on holiday is an exciting one. We all look forward to a trip overseas, to experiencing new cultures, new food, new sights and talking to people loudly but slowly, while gesturing wildly as we try to find our way to the nearest public loo. But its not all fun and games, there are some serious aspects that have to be considered before we leave for that holiday of a lifetime. One of the most important questions is whether or not we should buy travel insurance and the answer to that is a resounding yes. To not buy travel insurance would be like a fire-fighter walking into a burning building without his or her fireproof overall, hat and oxygen, in other words, not well prepared. The question that naturally follows on the first is: what kind of travel insurance should I get? That answer is not as simple as the first and depends on where you’re going, what you will be doing and your general health.
There are some things that your travel insurance will not cover. It is important that you ask a lot of questions of the people from whom you are buying your insurance and that you read the fine print. Remember that you do not have to buy your travel insurance from your travel agent; no matter how much pressure they put on you. You can shop around until you find someone who provides you with a service that meets your needs.
Some of the things that you won’t be covered for include:
1) bad weather, just because your holiday was ruined due to rain or heavy winds or dust storms does not mean that you are entitled to an insurance pay out. Weather constitutes one of the risks that you take when you choose the dates and destination of your holiday.
2) If you change your mind insurance companies don’t reimburse you either. Insurance companies don’t feel that being fickle natured is a sufficient reason for them to make a payment.
3) War, although apparently some policies have an “Acts of Terrorism” clause, which will reimburse you if you miss or are delayed in getting to your origination or destination due to acts of terrorism. Isn’t that comforting, “Sorry you were held up at gunpoint for 5 days and nearly blown up by a nuclear bomb, don’t worry, we’ll fully reimburse you for your late flight.” At least some people still care, right?
4) You won’t be covered for nervous or psychological disorders such as depression, anxiety, neurosis, psychosis etc. They never cover the crazy people, if you’re nuts you’re on your own. Except that in the case of travel insurance they also don’t cover
5) Pre-existing medical conditions, unless you have been symptom free for an unspecified period of time. These are known as the cons of travel insurance, they are not good things. The act of terrorism thing pretty much summed it up.
The pros of travel insurance, and there are several of those in case you were starting to get depressed about the whole issue include:
1) being covered for lost or delayed luggage. This means that if they lose your luggage, which is a bummer and sucks because you probably packed all your favourite things and even bought new things for the trip, they will reimburse you and you can go out and buy a lot of new stuff to replace everything that you lost. It’s a brand new wardrobe.
2) You are covered for lost and stolen belongings, although there may be some limits on cash and individual item, this is where it pays to read your fine print.
3) In the case of unforeseen medical emergencies you’ll be covered for hospital and medical treatment, which, when that emergency occurs, will be a huge relief.
4) Holiday cancellation for valid reasons such as you being too sick to travel or a family death. No fickle mind changing. Cover for delays on departure, usually only if they’re more than 12 hours, and usually not for delays en route. Read your fine print.
5) If you have to cut your holiday short due to an unforeseen medical emergency or something similar, some policies may pay out.
6) If you are going to be taking part in dangerous activities like skiing or diving then you should take out specialist coverage in order to be covered and then there should be no problem if you need to be paid out.
7) Most insurance policies have a 24-hour help line that provides legal and medical assistance.
If you’re unsure of which company to go with or which policy to go for, ask yourself the following questions:
1) what’s the level of cover for the different types of claims?
2) What’s the policy excess for different types of claims?
3) What’re the policy exclusions?
4) Are you covered for hazardous pursuits?
5) Are you covered if you cancel your holiday and under what circumstances?
6) Does the medical cover include the costs of transporting you back to your home country?
7) In the US, medical bills are higher, is the level of medical cover sufficient for travelling there?
What’re your personal possessions and cash covered up to? Do you need to cover expensive items like video cameras separately?
9) Do they have a 24-hour help line?
Travel insurance is vital if you’re going to travel anywhere abroad. Anything could happen at any time and it is always better to be prepared for any emergency than to be caught short. Include travel insurance as part of your travel budget and don’t begrudge it. It could just save your life.
By: Sandy Cosser
Posts Tagged ‘Holiday Of A Lifetime’
The Pros And Cons Of Travel Insurance
March 22nd, 2010All-Inclusive International Travel to Rome
February 28th, 2010
When you think of all-inclusive travel to Rome, what do you think of? Do you think of the history, the Forum, the Coliseum and the great Gods of Rome? Do you think of the religion, the Christians that were once sacrificed to the lions, but who now lead the world from The Vatican City: the smallest independent country in the world? Do you think of the Eternal City, the city to which all roads are said to lead, a term that harks back to the Roman Empire when that was a fact?
In fact you should be thinking of all of these and more. Rome is all of these but also a modern cosmopolitan city with everything that a great city has to offer the tourist and the adventurer. Rome is one of the best known cities in the world, yet also one of the least known. If you visit Rome, what do you want from it: do you want to see only what the tourists see or do you want to see it all – or as much as you can pack into the time available to you?
All inclusive international travel to Rome offers you the history of Rome, the Vatican and the Cistine Chapel, painted by the Italian genius Michelangelo, and other rooms with works displaying the works of the grand masters of painting and sculpture. If art is your thing you should visit the Galleria Borghese, with works by Rubens, Caravaggio and Bernini. Or visit the piazzas and fountains, including the most famous of them all, the Fountain of Trevi. Then why not do as the Romans do, and shop for clothes in the wonderful boutiques, eat in the very best Italian restaurants and then just stroll around the city.
Only a vacation package offering all-inclusive international travel to Rome could provide you with all of this, making sure that you miss nothing. Let’s face it, you don’t visit Rome every year, so when you do, you want to get the best flavor of the city: not just the touristy historical venues, but also the real Rome – the Rome of the Romans. But there is more than just that which you want in a dream holiday of a lifetime.
Your air travel should be at least business class, offering you the opportunity to stretch out when you need to and receive the best service on board. If you want to use your own air miles for your vacation to Rome you should be able to do so and get that taken from the price: a land only price should be available.
Your accommodation should be good while not necessarily luxurious, since many vacation destinations have no luxury hotels – in fact no hotels at all! However, Rome has many, and all-inclusive international travel to Rome should include hotels that have been hand-picked for their comfort and tradition. You don’t want a plastic hotel with no Mediterranean charm, but neither do you want sub-standard accommodation and service. You want the best that Real Rome can offer.
Any all-inclusive deal should include your meals, and you should expect good food to suit a wide variety of tastes, but that also reflects the character of Rome. Roman cuisine is amongst the best in the entire world, and is more than just pasta and pizzas, Michelin standard included!
Rome is a wonderful city, but you need the services of a top-class guide to enable you to make the most of your visit. Without that you would likely see the sights without understanding their history or understand how the architecture of Rome has changed as the city expanded both before and after the end of the Roman Empire, at one time the largest Empire taken and controlled by military force in the whole of the world’s history.
If you are considering a vacation that includes all-inclusive international travel to Rome, you should take each of these factors into consideration, and carefully check out what is being offered in your vacation. You should have a look at the trips and tours included in the various packages, and what degree of flexibility there is, not only in travel dates, but also in excursion times and dates, and in meal times.
You might want to skip a meal or an organized trip in order to do something else, such as have an afternoon in the pool or visit one of the ancient ruins outside Rome. You should be able to do so without missing out. You should also make sure that train travel is First Class where available, and that you get free time to roam around the city by yourself.
So, if you are considering all-inclusive international travel to Rome, make sure you have list of your needs ready when you book, and also of a ‘good to have’ list; make sure that you get all of your ‘musts’ and as many of your ‘good to haves’ as possible. That way you will find your ideal luxury international travel company for Rome or any other destination in the world.
By: Michael Donner
