Top 5 For Canada

Canada is a great vacation destination and has many things to offer to its visitors like the majestic mountains, beautiful winding roads, lush green forests, wildlife and the multicultural cities. I traveled to Canada last year in December using my air Canada miles, my trip was simply awesome. Here I want to share with you my five best for Canada.

First Tip – Purchase A Good Travel Guide:

When you are traveling to some foreign country, it’s always a god idea to carry a travel guide. Canada is also a no exception, if you don’t want to buy a travel guide there are always many good and guides present online which you can print.

You can find some good travel guides for Canada on top web pages like Fodor’s, Lonely Planet or Rough guides. A good thing about travel guides is that it provides you with an insight about the destination, like where to go, what to eat and drink, things to do and see, where to shop etc. Investing in a travel guide is not bad and it only helps you in knowing the place better.

Second Tip – Always Consider The Climate:

Before you pack your bags for Canada, don’t forget to consider the season you are traveling in. If you are heading for the Maritime Provinces then you must know that they tend to be more humid than the other provinces in the west. In Nova Scotia, Halifax, you can expect to experience weather that is temperate in summers and freezing in winters.

If you are staying in the mountainous areas of Canada, then you can expect to see a lot of diversion in the climate. Keep yourself layered up if you are staying in this region. On the other hand, areas like Victoria and Vancouver are more temperate and don’t usually see too much freezing temperature.

Third Tip – Plan To Cross The Border:

Traveling to Canada is not that easy anymore like it once used to be. The new restrictions have made it difficult to cross the borders, the documents needed for traveling to Canada are always changing from time to time. So it’s best that you check the documents and verify that you don’t need anything extra before you head for Canada.

Fourth Tip – Know The Currency:

Another important tip for traveling to Canada is that you should know the importance of comprehending the currency before you leave. Canada uses Canadian dollars, though you can also use US dollars. It is always wise to carry a traveler’s check in Canadian currency since they can be accepted anywhere.

Fifth Tip – Tips On Tipping:

Also remember when you are giving tip in Canada you need to know how the Canadians take gratitude. Tips are not included in the restaurant bills and a standard tip for good service is $12 to $15.

The Basics of

Life is full of unexpected events- this is the basic principle which drives the insurance industry. One doesn’t really know what will happen next year, next month even tomorrow. Life is especially more riskier for people who frequently travel, and a can really be a good thing to have. It will at least leave something for oneself, one’s family and loved ones in the case of unfortunate events during traveling.

One might be skeptical in getting simply because he thinks that it is a waste of money which can be used for something more urgent or important. However, we can never really say what will happen and it’s good to be insured. In the events such as accidents, trip cancellations and lost luggage, policies can really be handy. Getting is the first step that should be taken when planning a trip.

Types of Policies

is availed by people who are concerned about the events that may unfold during a trip. It’s not a sign of paranoia, it’s a mere sign that one faces the reality that he doesn’t control his life and the events that may happen.

-Package

packages are usually designed to cover single trips. This type of insurance policy is very ideal for tours, cruises, air trips, renting vacation homes, whether they are for business or personal traveling in foreign or domestic areas.

These packages are usually pre-bundled by the insurance companies and they provide travel coverage such as: cancellation of trips, interruption of flights, delays of travel, lost of baggage and personal effects, delay of baggage, emergency evacuation, assistance for travelers and medical expenses. One can also avail optional policies which will cover accidental deaths.

These packages are usually rated against three factors: one’s age during application, the cost of one’s trip and the duration of the trip.

-Medical

plans can also be designed to cover one’s medical expenses if needed during the trip. There are also group health insurance plans which can be availed by a group. However, most of the insurance plans available today will only cover medical expenses in trips which are done inside the “coverage areas.” It’s best to be able to ask the insurance provider regarding these things before availing a medical policy.

-Accidental death during flight

Many insurance providers give accidental flight death insurance as a part of their insurance policies. Sometimes, they give it as an option.

Listed below are some tips on how one can go about availing quality and suitable policies for his trips.

1. Before getting a new policy, one should double check his existing insurance policies. There might be some coverage with regards to traveling in the existing policies that one possess and it would be a waste of money to pay for something that has already been covered.

2. Know what’s the best type of insurance is best for the trip. Getting a is really dependent on the situation of the destination and the other factors that come into play such as one’s age and health conditions.

3. Know the policy. One should know whether things like international coverage, emergency evacuation, accidental death, remains repatriation and family are covered by the policy..

These are some tips on how to avail . The point is- life is unpredictable and it’s better to have insurance especially for travel purposes. is a real must when traveling.

Overseas Plans – Costs Less and Offers More

Everyone craves for vacations to enjoy some quality time with their loved ones and Indians are no exception. The outbound travel sector of India saw a robust growth this year because international travel destinations are highly sought-after among Indians in 2015. Obstacles like inflation, skyrocketing ticket price and depreciation of rupee couldn’t deter the wandering spirit of Indian travelers to travel around the world. Over 60% of Indians remain unmoved by the depreciating rupee and are raring to go to travel. However, the rate of availing to safeguard the trip is still dismal among Indian travelers.

Young generations prefer to travel to international destinations once a year at least. According to a survey, 90% of these travelers make use of their own savings for overseas trips and don’t consider travel cover. Quite surprisingly, this is the mindset of young internet savvy generation as ICICI Lombard conducted the survey in the age group of 25-35 among 1049 people across six metro cities in India who had international trips in the previous year.

The survey further reveals that Singapore is the most preferred travel destination among young Indian travelers; the second and third places are held by US and UK.

Let’s take a look at the travel plans available and their prices for those who favor these destinations. Let’s start with Singapore.

plans available for Singapore trips

The following list of top 5 policy quotes in terms of lowest premium are for one 30 years old person looking for a single trip to Singapore. The trip duration is 10 days and the chosen sum insured is US$ 500000.

  1. Universal Sompo – Premium of Rs. 942
  2. HDFC Ergo – Premium of Rs. 1015
  3. Reliance – Premium of Rs. 1129
  4. TATA AIG – Premium of Rs. 1234
  5. Religare – Premium of Rs.1666

The lowest premium is Rs. 942 for a plan for a 10 days trip to any Asian country such as Singapore, Thailand. This means one has to pay less than Rs. 100 per day to make his trip safe and secured. Indian travelers must know that travel plans are not only inexpensive but they also provide coverage for loss of baggage, passport, hijack and even emergency treatment.

plans available for UK trips

The following list of top 5 policy quotes in terms of lowest premium are for 1 person looking for a single trip to UK. The trip duration is 10 days and the chosen sum insured is US$ 500000.

  1. Universal Sompo – Premium of Rs. 942
  2. Bajaj Allianz – Premium of Rs.991
  3. HDFC Ergo – Premium of Rs. 1015
  4. Reliance – Premium of Rs. 1129
  5. Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1139

Universal Sompo provides the lowest premium. The premium of plan is also Rs. 942 for a 10 days trip To UK.

policies for US trips

The following list of top 7 policy quotes in terms of lowest premium are for 1 person looking for a single trip to US. The trip duration is 10 days and the chosen sum insured is US$ 500000.

  1. Universal Sompo – Premium of Rs. 1344
  2. HDFC Ergo – Premium of Rs. 1438
  3. Bajaj Allianz – Premium of Rs.1441
  4. IFFCO-TOKIO – Premium of Rs.1456
  5. Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1658
  6. TATA AIG – Premium of Rs. 1694
  7. Reliance – Premium of Rs. 1783

The lowest premium is Rs. 1344 for a plan for a 10 days trip to US. Just imagine, you are getting all types of risks covered just by paying less than Rs. 140 for each day of your trip.

Best plans in India in terms of baggage and medical coverage

The survey also made clear that 79% people buy travel plan to cover medical emergencies. Safety of baggage is the second most vital reason as 60% people behind purchasing policy. So let’s find out best plans in terms of medical emergency and luggage safety.

From the above list of travel policies for US, two plans by Reliance and Bajaj Allianz look best in terms of baggage cover.

Reliance Travel care platinum provides US$1500 for the loss of checked baggage for a premium of Rs.1783.

The Travel Elite Premium plan by Bajaj Allianz provides US$ 1000 for a premium of Rs. 1658 for the loss of checked baggage.

To get the best coverage for medical emergencies, the Titanium plan by HDFC ERGO is the best. It primarily covers:

  1. Emergency Medical Expenses
  2. Permanent Disablement/accidental death
  3. Hospital Cash
  4. Loss of Personal Documents
  5. Accidental Death
  6. Loss of Baggage
  7. Financial Emergency Assistance
  8. Personal Liability

What is the cost of international travel policy for a couple?

According to the survey, 52% of travelers prefer to have trips with spouses. So, if these people can avail a travel plan for visiting US or UK or Singapore, how much do they have to pay?

Let’s start with US trip for 10 days for a sum insured of US$ 100000 covering 2 people who are 30 and 28 years old.

Religare offers the best plan which comes at a premium of Rs. 2407.

If you compare travel plans available for couples who wish to visit UK, keeping the same criteria for trip duration, sum insured and age of the traveler, Religare provides the best plan. The premium of the plan is Rs. 1537.

For a trip in countries like Singapore, Thailand within Asia which has been the top travel destination of 2015, a couple has to spend even less for a policy. If you compare plans that cover Asia, you will get the lowest premium of Rs. 1218 from Explore Asia plan provided by Religare.

The positive part of the survey is the increased awareness among Indian travelers. More than 90% of young generation is aware of the which is a significant rise from last year’s 80%. One of the major provider of plans in India; ICICI Lombard underwritten a total premium of Rs 100 previous year, one can expect the premium to increase by 5-10% in this year. The problem is not with the awareness; it is the lack of understanding about the benefits associated with these travel covers.

27% of the total respondents in the survey choose not to avail a plan simply because they were under the wrong conception that such plans cover only accidents, loss of baggage and theft but don’t provide medical coverage. This is far from being the truth as the complete break-up of Titanium plan by HDFC ERGO shows extensive coverage for medical emergencies.

25% surveyed people didn’t buy any travel plan because they thought such plans are costly but it is not so. The price of all plans for person mentioned here are about less than Rs. 100 to less than Rs. 140 for each day of a 10 days trip. policies for couples are even cheaper as they cost in the range of less than Rs. 65 per day per person to less than Rs. 125 per day per person for destinations like US, UK and all countries in Asia including popular destinations like Singapore, Thailand.

Indians love to spend their holidays in international destinations. An international plan doesn’t cost much and offers a lot in return. If you are also a travel freak, you should insure the total duration of the trip so that you can enjoy your holiday with complete peace of mind.

Safe For Young People

Traveling abroad, student travel, safety and road trip planning

It is no secret that when young people vacation with their friends, alcohol consumption is high and partying is the primary past-time. However, with the unfortunate tragedy of Natalee Holloway’s death while on vacation in Aruba, it is important for young people to keep safe while traveling. Irresponsible drinking is not the only issue involved with unsafe travel; there are several safe that need to be kept in mind while vacationing to ensure your safety.

Whether you’re traveling abroad to Paris, spending spring break on South Padre Island, Texas or taking a summer road trip to Las Vegas, Nevada, it is important to keep safe and aware of your surroundings at all times. By following just a few, small and keeping a few things in mind, you can ensure that your vacation goes smoothly and that you have a great time.

Basic safe :
Knowing your limits

Hangovers are not the only thing you need to worry about when partying; binge drinking can lead to black-outs, alcohol poisoning and even worse – death. Most importantly though, alcohol clouds your judgment severely and makes bad situations and decisions look alright. Try to monitor your alcohol consumption and the alcohol consumption of those traveling with you. This leads me to the second rule: the Buddy System.

Buddy System

Remember those afternoon buddy checks at the local swimming pool? The buddy system, it is tried and true and it works. Wherever you go with your friends whether it’s the bar, a club, the beach or a party, keep tabs on each other. Try to stay together at all times. Realistically this doesn’t always happen and people get separated. If you do get separated or you decide to go your own ways, which is not recommended, try to check in with each other at least every hour or so. Also, plan ahead a meeting place if you cannot locate each other. It is important to remain with your friends or close by them at all times. For guys, if you find yourself in a fight, you have your buddies there to help you out. For gals, if you’re receiving unwanted sexual advances, your ladies are there to help you out of an unwanted situation.

Don’t take candy from strangers

When young people vacation, they are out mingling, partying and meeting new people. You need be careful of strangers though and shouldn’t completely trust anyone. Be careful of what they’re offering you; there are a lot of scam artists out there. For women, if a man buys you a drink you need to be aware of the fact that he may try to drug you or if he buys you an excessive amount of drinks that he may be trying to get you drunk and take advantage of you. Not to sound like EVERYBODY is out to get you, but you need to be aware of the possibilities and be wary of trusting people you have just met. Most importantly though, never leave alone with someone you have just met and never give them the number to your hotel room.

Think of the consequences

To take risk of sounding like my mother, you really do need to think of the consequences of your actions. They need to be kept in mind, especially when traveling abroad.

Traveling abroad and student Know the rules, customs and laws

Each year more than 2,500 Americans are arrested abroad and more than one-third of those arrests are drug related and student travel related. Simply because it’s legal to smoke marijuana in Amsterdam, doesn’t mean that it is legal to take it with you to Germany. When you’re traveling abroad it is vital to be completely aware of the rules, custom and laws that are associated with the countries you are visiting. Young people and students are commonly arrested for being intoxicated in public areas and for drunk driving; this is common for not only people traveling abroad, but also for student vacationing in the United States. If you do get in trouble while traveling abroad, contact the local US embassy.

Dress to unimpress

Theft is another common vacation mishap. Leave the bling at home, don’t carry excessive amounts of cash and don’t bring with you unneeded credit cards. Dressing nicely, wearing a Rolex and flashing your cash screams steal from me. In case items do get stolen, you should make two copies of your passport identification page before leaving. This will help expediate the time spent getting your passport replaced if it is lost or stolen. Leave one copy in your hotel room and the other back home with someone easily contacted.

Road Trip Tips:Plan ahead

Before embarking on your trip, you need to plan ahead, and come up with a travel itinerary that should include what roads you will be traveling on and where you will be staying. The travel itinerary should be given to someone who is not going with on the trip so they can know where you are at all times in case something does go wrong.

Check it out

It only seems logical to have your car tuned up before heading out on the road; however, this is a step that is often overlooked. Before leaving on a road trip take your car to a local car shop and have them check it over, change the oil and have the tire pressure checked. It is also recommended that you have access to AAA or some other emergency roadside service in case something does go wrong.

And last don’t pick up hitchhikers. It is not 1960 anymore and it is not safe.Vacations are supposed to be fun and by keeping these few safe in mind, you can make sure that they remain that way.