The Steps to Acquiring Cheap Holiday Insurance

There are quite a number of websites promoting cheap holiday insurance. Have you given any consideration to acquiring such a policy?

Cheap Holiday Insurance
Cheap Holiday InsuranceNia [So let’s go!] / Foter.com / CC BY-NC-ND

In life, to be deliberate and thorough is virtuous. Those that take the appropriate steps to preplan their vacations to the point of minimizing the impact of anything unexpected or problematic deserve accolades. Among the most responsible actions a person could take prior to venturing on a trip would be to purchase cheap holiday insurance policies. The reason for this is unexpected calamities have the potential to occur. Why not have a policy in place that protects you from any losses deriving from the unexpected?

More than likely, you have thought of such a thing but wish to know how to go about the process in the best and most responsible manner. Essentially, you need to follow a few reliable steps to help you acquire the best cheap holiday insurance for your individual requirements. The travel insurance compare process is not all that difficult but you will need to follow a few basic insights into how it works best.
First, you do need to take time out to determine what exactly you require in a cheap holiday insurance policy. Different travelers will have different needs. If the traveler has not taken the time out to determine would be the most important components to have in the policy then the policy will eventually be lacking. This would be an unnecessary outcome as a simple brainstorming session would reveal all the items you would want in a policy.

Of course, you would then have to match what you are seeking in a policy with a provider that offers such coverage. This could take a little time which is why the travel insurance compare approach cannot be rushed. That said, the time investment will be worth it if it leads to acquiring the best possible policy which eliminates any worries. Granted, it might not eliminate all your worries but it can do a great deal towards reducing them from what would be the case without a policy.

There is another issue that needs to be taken into consideration if you are seeking medical cheap holiday insurance. You are advised to double check with your primary insurance provider to eliminate the potential of double coverage. In other words, you do not want to acquire travel insurance on coverage that your current main health insurance provider offers. You would only want to pay for insurance that fills in the proverbial gaps in your current, existing health policy. So, your travel insurance compare steps should not just be about comparing different travel insurance policies. It should also entail making comparisons of any current medical coverage you subscribe to.

Here is some additional advice – never overlook the basics when seeking a solid policy.

Eventually, there will come a time when you need to actually fill out the online application for your policy. However, you need to be diligent in this process or else you run the risk of rushing through things and creating errors of omission. That will not help the cause of procuring the best possible policy. So, take a little time out to be as diligent as you can. This way, you don’t make any errors with the application and can feel more confident everything is filled out correctly. The end result of such an approach would be gaining a desirable policy that delivers what you expect of it.

How to Fix Hotel Problems

Hotel Problems
Hotel Problems

If something seems too good to be true, it probably is – and that definitely the case when you’re traveling. If you see an amazing hotel deal, chances are there’s a good reason the rooms are so cheap! All experienced travelers had had at least one bad hotel stay. Maybe the pictures on their website look nothing like the dump you find in real life. Maybe the service is horrible. Maybe the site is under construction.

Whatever the problem, if you show up and the hotel isn’t what you expect, there are some things you can do to fix it – and without spending any extra money to upgrade to a nicer room or find a new hotel at the last minute.

Problem #1: The room is dirty.

If it looks like your room hasn’t been cleaned in ages, sometimes all you need to do is complain to get the problem fixed. Maids at cheaper hotels and motels aren’t paid very high wages, and in order to get their work done more quickly, they might cut corners. Before you even set down your bad, go back to the front desk – in person – and voice your concern. Many will give you a discount on the spot and send a cleaning crew to redo the room.

Problem #2: Your room is loud.

Construction, traffic, and other problems can all account for your room being too loud, and often it is out of the hotel’s control. Simply ask to be switched to another room. Most are happy to accommodate you if they possibly can. To avoid this kind of problem, check into your room as early as possible. Most hotels give out the “bad” rooms (i.e., the ones that are louder) last.

Problem #3: The room isn’t as nice as the picture.

If you paid a really low price…well, unfortunately, there might not be much you can do! Before you leave, print out your hotel conformation information, along with a picture of the room you expect to get. Sometimes, if there’s a big difference in the picture versus what you’re actually given that you can point out, the hotel will upgrade you to a suite or refund some of your money. You can also look into reporting them to the Better Business Bureau if you think they’re being dishonest.

Problem #4: The hotel was overbooked.

As long as you paid for your room, it shouldn’t be a problem – even if a hotel is overbooked, they have a duty to give you a place to stay. You might find yourself driving to another hotel, but this minor inconvenience could actually work out in your favor. If you keep your cool and are polite, sometimes they’ll bump you to a suite, offer free meals, or give you other perks – all you have to do is ask!

Problem #5: The staff is rude, non-existent, or otherwise unsatisfactory.

Write down the names of the people who bothered you (along with a description if the hotel is larger) and ask to speak to a manager. If the manager is the problem, call their corporate office – from your actual hotel room. If it is late at night or early in the morning, wait until business hours. Managers working the day shift often have more power or even own the hotel, so they’re better equipped to help you.

Still nervous about hotel problems? Purchase a travel insurance policy before you leave. That way, if you get there and things are horrible, all you have to do is call your insurance company and they’ll help you find new accommodations that better fit your needs.

This guest post is from Allison, who works with www.TravelInsurance.org.

 

Going on holiday? Don’t skip the insurance!

travel insurance
travel insurance

When booking an – often costly – holiday with an agent on or offline, understandably many people decide to not shell out for the additional cost of travel insurance, assuming that everything will go to plan whilst away on their vacation. Unfortunately, this is not always the case and should you suffer an accident resulting in injury whilst away, the financial repercussions can be devastating.

Should you trip and crack your hip bone during a trip to America, you’ll be forced to shell out over £22,000 in health care costs, whilst a heart attack could cost you £35,000 in Spain. A broken lower leg in the USA? $4600. Even a simple wrist injury can set you back up to £3000! Although it is true that 50+ countries have reciprocal health care arrangements with the UK (in which health care is free on the Nation Health Service), UK residents could still face a significant fee, since some elements – such as an ambulance ride – are not covered by this arrangement.

Since the majority of people on holiday do not have to take up the precautions offered by their insurance policy, protecting yourself can work out to be incredibly cheap (the dynamic of the industry is based the minority ever making a claim), especially when compared to these gargantuan health costs. Paying £25 (approx) per week away now could serve you incredibly well should the unexpected occur! If you are a regular traveller, you might wish to take out an annual insurance deal as this will save you even more money.

Those who take out travel insurance are covered for more than just hospital visits however.

Losing any part of your personal baggage at the airport or due to theft once you have arrived in your country of choice can be devastating and can completely ruin your holiday. Although a monetary payout will not completely qualm the inconvenience that such a loss can cause, knowing that the cost of replacing the contents of your bag or suitcase will be covered by your insurance company (under their personal baggage clause) will help a little.

Sometimes, holidays just have to be cancelled at the last minute due to unforeseen circumstances. This is not only disappointing for those involved but this situation can see one losing out on holding fees and/or deposits for accommodation as well as flight costs. Cancellation cover is often included under the umbrella of travel insurance which will protect you from such losses.

The inclusion of personal accident insurance ensures that compensation is paid to those suffering an accident which leads to a distressing event of a death or the permanent loss of a limb (around £15,000 and £25,000 respectively), beyond the initial costs of receiving care in a foreign hospital.

Public liability insurance is also often included to protect travellers against being sued whilst on vacation abroad (usually up to £1 million in legal fees but be sure to enquire) which could happen should your hired chalet become damaged during your stay (just one example).

When taking out a travel insurance policy, honesty is the right way to go. If you lie about any previous health issues or something else that could affect your claim, then your policy will be void and you will not be entitled to any monetary compensation. Never assume that you are protected by every element mentioned in this clause either – policies can vary wildly so be sure to heavily probe your agent so you know exactly what cover you are paying for.

Kat Cole has seen many incidences of failed holiday accident claims from CompensationClaims.net in the wake of the client’s failure to take out insurance. When Kat is not working in the realm of compensation claims, she enjoys live music performances and using a plethora of different social networking websites.

Image by by kadep90

When Travel Disasters Strike, Will You Be Ready?

Travel Disaster
Travel Disaster

None of us wants to think about the many potential disasters awaiting an unsuspecting traveler these days.  And yet, if you don’t consider the possibility, you could end up a victim when you’re far away from home and everything you know.  For this reason, it is important to have a plan in place to cover just about any unfortunate situation you may encounter while traveling, from airport delays to acts of criminal violence.  If you have kids with you, this is even more essential.  So whether you’re going on vacation, jetting off for work, or some combination of the two, here are a few ways to stay safe, prepare for the worst, and hopefully avoid complete disaster.

The first and most important step in your preparation for travel is information gathering and dissemination.  There are things you need to know about the place you’re traveling to, especially if it involves visiting a foreign country.  You don’t have to learn the language, but you should at least purchase a book of common phrases and learn some of those that you may need, such as, “Where is the (insert your country) embassy?” and “Where is the nearest public restroom?”  You should also look online for local customs so that you don’t accidentally try to shake someone’s hand in a country where they wipe with their hands after using the restroom, for example.  And of course, you’ll want to have some idea of how to contact authorities in case of accident, injury, or attack.

But beyond gathering information, you’ll also need to leave some.  Make sure to tell friends or family members your travel specs, including where you’re going, dates of travel, and airline and hotel info.  In short, you should leave an itinerary with someone you trust.  Then be sure to check in frequently throughout your trip so that they know everything is going according to plan.  Unfortunately, it’s not uncommon for travelers to become the victim of mugging, kidnapping, or even an injury that leaves them temporarily unable to communicate.  If someone back home is immediately aware that you’ve gone off-course, at least you know they’ll be looking for you.

You should also take proper precautions with your valuables.  Tourists tend to be an easy target for theft, so make sure to keep only what you need on your person (identification, form of payment) and leave the rest in a hotel safe.  Use a money belt and carry travelers checks that can be easily replaced so that if you do get mugged or misplace your wallet you won’t be out the cash or have to worry about someone racking up charges on your credit card.

And when it comes to your kids, be sure they have proper identification and they know the basic rules if they should become lost.  Give them ID bracelets with your phone number and instruct them to look for a person in authority should the get separated from you in a crowded airport or an unknown city.  In addition, you should have current photos on hand in case a search is called for.  Preparing for possible catastrophe doesn’t necessarily mean you can avoid it, but it will leave you ready to handle any situation you might find yourself in and immediately take steps to get back on track.

Sarah Danielson writes for Charming Puglia where you can find the best in Lecce hotels and Puglia hotels for your luxury vacation.

Travel Insurance for Beginners

Travel Insurance
Image: renjith krishnan

If you’re not a regular traveler, you need to know how to manage your travel insurance if an incident occurs. It is extremely important that you know what to do in an emergency. The quicker you’re able to get things moving, the better. Travel insurers can usually deal with issues pretty quickly, so the time factor can work in your favor.

What to do when you’ve got a problem

The best travel insurers have a 24/7 claims an emergency service. You can access the service online, ask questions and get help when you need it.

Make sure to check out an insurer’s arrangements for managing claims before taking out a policy.

These are the services you should expect to see for your travel insurance:

  • Provisions for payment of medical bills
  • Provisions for return home after major illness or accident
  • The option to reschedule your travel plans after disruption
  • Replacement of tickets and important personal documents including ID
  • Family contact provisions and facilities
  • Assistance for other members of the travel group, like children
  • Provision for interpreter services in hospitals

You can see how important these things are. You don’t want to be guessing about your cover in an emergency.

You also need to know:

  • What is not covered by a travel insurance policy. In practice, travel insurers do make every effort to provide comprehensive cover, but not all policies are equal. Some are much better than others, and some travel insurance policies will be much better suited to your needs than others.
  • Timeframes. Your insurer should be able to tell you the basic timeframes for dealing with covered situations. These are actually standard procedures for the insurers, and unless there are major complications, they should be able to tell you how long will it take to get something done when you need it.
  • Special issues. People having existing medical conditions, older people, and others with special needs may need specific types of coverage. If you or a member of your party has any issues like this, it’s advisable to explore with the insurer what can be done to deal with all possibilities if an incident occurs.
  • Reporting requirements. Many incidents covered by travel insurance have specific reporting requirements, which may include things like notification of lost baggage to carriers and reporting lost property to police. It is extremely important to make sure that you understand those reporting requirements. Your claim may be invalidated if you don’t make those reports. Check with your travel insurer regarding reporting requirements.

Now the good news

As a matter of fact, taking out travel insurance is pretty simple and cheap, provided you know the basics. You can get good cheap travel insurance online which will do most of the things you want it to do. All this type of insurance requires are some minor modifications to cover any specific areas of concern, and you’ve got everything you need.

Just make absolutely sure you understand these very fundamental issues. Check your coverage, talk to your insurer and you won’t have any problems.