For Consultants

Travel is a fact of life for most consultants. Many spend 45 weeks on the road every year, and some say they wouldn’t want it any other way.

We know one married couple where both are traveling consultants. They often joke that they should write a book called “Marriage on Three Days a Week” because they only see each other from Thursday night to Sunday night most weeks. Of course, they take great vacations with all the frequent flier miles and hotel points, and neither one is left at home to manage the household while the other dines in restaurants every night and comes home expecting all the chores to be done.

Like many others, they have learned how to be comfortable on the road so that their travel schedules are a source of new experiences and great stories instead of a hardship. If you learn how to be comfortable in your environment, you’ll do better work and last longer in this demanding field.

There are two types of consulting roles, from a travel schedule perspective. One type of consultant is the real Road Warrior who is in a different city each week, often visiting two or three different clients and staying only a couple of days each place. The other type travels to the same destination every week to work on a long-term engagement over several months. Which type of travel schedule you end up with depends as much on your personality as on your skill set.

No matter which type of travel schedule you have, there are some seemingly small things you can do to make yourself significantly more comfortable on the road.

Enroll in every frequent flier and hotel points program you can. The biggest perks in business travel come when you get a free family vacation later. All those trips to Pittsburgh might buy you a trip to Honolulu or Prague or wherever your heart leads you.

Whenever possible, use the same airline and hotel chain for every city. This helps you rack up the points faster, and it also establishes a level of comfort and familiarity for you from the moment you arrive in the city. Not every Marriott is exactly like every other Marriott, but there are enough similarities between them that you will begin to feel at home quickly.

Packing for Travel

Develop a routine for packing. Make a checklist that includes everything that you know you’ll need for any trip, including items like toothbrush and cell-phone charger. Go over the checklist every single time you pack a suitcase.

If you don’t follow this advice, you will eventually end up spending $200 on a “charge everything” device and using a hotel toothbrush that will rip your gums out.

  1. Always assume you will have to carry your luggage yourself. If you aren’t sure you will need it, don’t take it. You can always buy one there. (Don’t accept engagements in locations that don’t have stores.)
  2. Pack something comfortable to wear in your hotel room and clothes you can wear to work out.
  3. Plan to sleep in something you don’t mind being seen wearing in public. In the event of a fire, hotels will evacuate two floors above and two floors below, even if it’s just a small fire in a trash basket. That’s what that loudspeaker above the bed is for.
  4. All luggage looks alike. Make your bag easy to spot on the carousel and less likely to be stolen with a few strategically placed strips of duct tape or a big pink bow.
  5. The military knows that rolled clothing does not wrinkle. Don’t fold it, roll it. Turn jackets inside out, fold the collar up and press one shoulder inside the other.
  6. Think about what you pack from the perspective of Customs and Airport Security. For example, many airlines will not allow you to carry steel-tipped darts in your carry-on luggage. (Yes, one of us learned this the hard way. Not the one you think.) Carry all medication in the original packages, particularly prescription medication.
  7. Purchase two of everything you use daily, like cosmetics, razors, toothbrush, etc. Leave one set at home. Pack toiletries once and leave them packed. This way, you don’t have to worry that you forgot something essential and will not notice until the middle of the night in a strange hotel room. When you run out of something on the road, replace it. (This is easier if you use common brands that are sold nationally.)

After only a few weeks of travel, you’ll know exactly what you need to pack and what you don’t.

Hotel Living

If you are traveling to the same city every week, pick a hotel that you are comfortable in and make friends with the people at the front desk and in Housekeeping. If you can commit to a certain number of weeks, they might even give you a break on the room rate, which is also good for your customer.

Once you’ve tried two or three different rooms in different parts of the hotel, you’ll begin to identify specific things you like or dislike. Within a few weeks, you’ll probably have a favorite room. Don’t be afraid to ask for it every week. Staying in the same room every week can increase your sense of comfort and it’s easier to remember what room you are in. Every one of us has been frustrated at least once by trying to open a hotel room door, only to realize that the key doesn’t work because this is the room we were in last week, and we have no idea what room we have been assigned this week.

If you followed our instructions for packing and bought duplicates of all your toiletries and travel needs, you can check a suitcase with the bellman over the weekend instead of carrying it home with you. Leave your laundry with a dry cleaner over the weekend and come back on Monday to a fresh wardrobe without carrying a bag with you to the airport. That’s freedom!

Make friends with the people who have control of the food. If you are eating all your meals off the Room Service menu, you will soon get bored with the choices. Encourage the person who answers the Room Service line to give you suggestions.

When Christine was working in one city where it wasn’t considered safe to leave the hotel and wander around at night, she called the Room Service number one night and said, in the most pitiful voice she could muster, “I’m hungry and nothing on the menu looks good tonight. Help me!”

The Room Service voice laughed and said, “Miss Lambden, don’t you worry. After all these months, I know what you like. Let me surprise you.”

In addition to the best steak and the freshest salad ever served by Room Service, the waiter brought a glass of red wine and said, “The chef said to tell you that he knows you don’t like red wine, but this is special. Try it with the steak. Alternate one bite of steak with one sip of wine.”

She still talks about that steak. After that night, she never had to look at the Room Service menu again. When she called, she would say, “Maybe a fish tonight?” or “I’m in the mood for something chocolate.”

Remember, if you are tired of the hotel menu, just imagine how the chef feels.

Since you can’t eat all the time, here are some other ways to fill an evening in a hotel room:

  1. Call your mother.
  2. Read.
  3. Go to a movie.
  4. College libraries are often open late. Learn something.
  5. Work out. Remember the Freshman Fifteen in college? The life of a consultant includes too many meals in restaurants and too few long walks in the park.

If you exercise at home, try to exercise the same way when you are traveling. Find out if it’s safe to walk/run outside near the hotel. This is also a great way to find the neighborhood restaurants and pubs that the travel books don’t know about.

If you exercise in a gym at home, stay in a hotel with a gym and use it. If there is no gym available in the hotel, remember that many national chains have memberships that allow you to work out in any city. Like national hotel and restaurant chains, gyms are a great way to find familiar surroundings in an unfamiliar place.

Exploring new cities is a great way to get exercise and enjoy your time on the road. See the sights. Shop. Ask the people at the hotel and at work what you should be sure to see while you are in town.

We know one consultant who managed, in one year, to see Niagara Falls (working in Buffalo), the Arch in St. Louis, the Napa Valley wine country, six shows on Broadway, and Fort Lauderdale during Spring Break.

Did you know that Kansas City is the City of Fountains? In the winter, the city slowly freezes some of the fountains so you see frozen ice where water flows in the summer. Just beautiful.

Did you know that you can visit the Budweiser Clydesdales at Grant’s Farm in St. Louis? If you think they are fun to watch on Super Bowl commercials, just imagine how magnificent they are up close.

These opportunities may not present themselves again. Don’t spend every evening in your hotel room.

Every city has something unique to offer and the people who live there will be happy to help you discover what is wonderful about their hometown.

Single Life on the Road

The constant-travel lifestyle is often more appealing to single people who do not have a family at home waiting for them each week. For these consultants, the only challenge is finding a way to maintain a home when you aren’t there during the week.

Here are some tips:

  1. Ask a friend or neighbor to pick up your mail once or twice during the week.
  2. Install automatic light timers in your house. Install motion sensor lights outside. This makes it look like someone is home and protects your stuff. (It also makes bats and possums find another yard to live in, but that might just be an Austin thing.)
  3. Hide valuables. Burglars know all about looking in the freezer for your jewelry, but would they think to look in that bag of potting soil in the garage? Hint: Tell someone you trust where you hid them…you’ll remember all the great spots you considered, and you’ll forget the one you picked.
  4. Splurge a little with all that money you are making as a consultant and hire a maid service to come in and clean your house while you are gone. If you have a lawn, hire a yard service, too. The last thing you are going to feel like doing when you finally get home is housework, and you’ll be happier in this job if you don’t feel that you are neglecting chores.
  5. If possible, have a trusted house-sitter stay in your house. Then you won’t have to worry at all.

In addition to maintaining your house, a single person on the road has to maintain a social life. When you are out of town all week, it’s easy to find yourself excluded from your friends’ conversations about plans for the weekend. You have to work harder to maintain those friendships at home, especially if you are also forming new friendships in the city where you are working.

It’s not totally unheard of for consultants assigned to the same client week after week to form friendships, or even romantic attachments, in the city where they work. Having bonds with people all over the country can be a huge advantage professionally because your network is expanded to include all of their colleagues, as well.

Don’t date someone in the client company. This can get messy. (Yeah, we know. Your situation is different. You’ll handle it like grownups. We’d like to believe this, but in our experience it rarely works out that way. Even so, this is still good advice for everyone else.)

Married With Children

Life on the road is harder for those who have a family at home. You miss them and you feel guilty about leaving them behind, and even more guilty when you’re having fun without them.

The same tourist attractions that enliven a single person’s travel can make you miss your family even more. You find yourself thinking, “The kids would love this,” or “Niagara Falls by myself? I don’t think so!”

Here are some tips for making travel easier when you miss your family:

  1. Write long letters saying all the stuff you would have said if you were at home. Buy a fax machine for the house so you can send them before you go to bed and the family can read them with breakfast. (We know. Email works just as well. Except it doesn’t. Handwritten letters mean more. They just do.)
  2. Give the hotel’s fax number to your family or set up a personal e-fax number. Encourage letters from home. Also drawings and report cards and anything else that will make you feel closer. Almost all children could benefit from the occasional writing exercise, and most of them already know how to operate a computer.
  3. Buy a small digital camera or use your cell phone to take pictures and make a “Day in the Life” slide show for the kids. Take pictures of your day from the time you wake up to the time you prepare for bed – pictures of your hotel room, your breakfast plate, your cubicle and co-workers, the bookstore you stop at after work, the restaurants you like – everything! (Trust us, they’ll love it.)

Driving in Strange (translation: “New To You”) Places

Weather conditions and driver courtesy rules vary from city to city. In some cities, driving is a brutal competition, and it’s considered rude or suicidal to slow down for a yellow light. Someone will honk at you or run into you. In others, you’ll get dirty looks if you don’t yield and let a waiting car merge in front of you. On most country roads, failure to wave at passing drivers marks you as an outsider.

No matter where you are, these tips will help lessen the impact of driving during your travels:

  1. Get a map when you arrive. If you know where you are going, you are much less likely to end up in the wrong place.
  2. If you rear-end a car on the freeway, your first move should be to hang up the phone. Better yet, go hands-free when you are driving. Best of all, hang up and drive.
  3. Rent your car from the same agency every week and be extra nice. Usually, the same agents are on duty every Monday morning, so eventually they’ll know you and may offer you the cool convertible or the Jag for a week at no extra charge.
  4. Not every state or city has a “right on red” law. Check with the car rental agency or look for a “No right on red” sign before you assume it’s legal in any intersection where you are.
  5. If you are stopped for speeding, running a red light, driving the wrong way, or, worst of all, hitting something, be very polite to everyone involved. Of course, this is true when you aren’t traveling, too, but you have a better chance of making your meeting or flight if you deal with the situation nicely.

In New York or Boston (or London or Beijing), take a cab or public transportation. Some warnings say “Don’t try this at home.” With regard to driving in these places, the rule is “Don’t try this on the road.” In other words, ask someone at your destination or consult a travel guide to find out whether it’s advisable to drive yourself around.

If you are facing your first winter in a snowy climate, ask someone to teach you how to drive in icy conditions before the first blizzard. You may feel foolish, and they will definitely laugh at you, but the first time you feel your car start to slide, you’ll be glad you did.

For us, just saying “I’m from Texas” is often enough to have our clients offer free driving lessons, icy conditions or not.

Air

Since 9/11, keeping track of the rules for air travel and getting through Security checkpoints has become more of a challenge, but the airlines have made a sincere effort to help.

Every airline and airport website has information about security requirements and how much time will be required to get to your gate. Experienced travelers quickly learn to avoid the busiest times of the day and week. In fact, we don’t know a single traveling consulting who would consider flying on the day before Thanksgiving under any circumstances.

Airport websites will also give you information about other amenities that are available in the terminals. For instance, did you know that the Hong Kong airport has showers and rooms where you can take a nap? After a long flight across the Pacific ocean, a shower is a wonderful way to spend your three-hour layover between connecting flights.

The airport in Portland, Oregon, has a great mall. You can get all your Christmas shopping done between flights and have the items you bought shipped home. Oh, and did we mention that Oregon doesn’t have sales tax?

The San Francisco airport has twenty different museum galleries that rotate art, culture and science exhibitions on a regular schedule. At SFO, you can’t avoid being entertained and educated while you travel.

Here are some other tips for making air travel easier:

  1. When you make your reservations, ask for a seat near the front of the plane. Airlines assign seats back-to-front and families traveling with children tend to plan further ahead than business travelers, so the shrieking three year-olds are usually in the back of the plane.
  2. Always request the Exit Row. Children aren’t permitted, and you get more legroom.
  3. Wear earplugs or invest in some good noise-canceling headphones if you plan to sleep. People talk louder on airplanes.
  4. Planes have only 3% humidity, so you get dehydrated quickly. Carry a bottle of water on board. (This will also keep your feet from swelling.) To keep costs and carryon weight low, carry an empty bottle and ask the flight attendant to fill it for you. On international flights, there is usually a water fountain available for passengers to serve themselves.
  5. When they say, “Limit two carry-on bags,” assume they really mean it and be prepared to check everything but your purse, briefcase and laptop. A good alternative if you are in a hurry is to “gate check” your bags. Especially with smaller commuter flights, this means you get your bags immediately when you get off the plane with no stop at baggage claim.
  6. Pay attention to the safety speech every once in a while. Like washing your car to make it rain, it’s just good karma. We’ve asked, and yes, most flight attendants feel just as silly giving the speech as you do listening to it, but the fact that no one is listening just makes their job harder.
  7. To prevent a stiff neck from sleeping on a plane, ask the flight attendant for a blanket, roll it up and wrap it around your neck before you fall asleep. Your head won’t roll from side-to-side, you won’t snore and you won’t look nearly as ridiculous as those people drooling on their neighbor’s shoulder. They make C-shaped pillows that do this, but that’s just one more thing to carry with you. We prefer to travel light.

While you are traveling, do everything you can to make your life easier. When you are enjoying yourself, you are better prepared to perform at work, and you’ll be more successful.

Cubicles and conference rooms are the same everywhere. The work won’t change, but taking the time to make friends with the people around you, at work and at the hotel, will make all the difference in the world to how well you do it.

Don’t Risk It, Get the Protection and Security You Need With

Let’s face it, getting can be a very overwhelming and tedious process, making it easy to put off and even forget entirely. But before you head off on your international adventure, you might want to consider getting coverage through some , just to be on the safe side.

With some luck, you’ll be glad it’s something you have and won’t need to use. But we all know that in life things happen, so it’s a good idea to find a policy that fits your individual needs, travel agenda, and budget. Many travel agents and private companies offer , and they have a wide variety of types and options to choice from.

What does cover?

Basic coverage of includes some financial losses while traveling, as well as limited medical expenses, including medical evacuation. The most common type of is trip cancellation or trip delay insurance. This type of policy covers you and your travel companions in case you need to cancel, interrupt or delay your trip. However, the acceptable reasons for canceling or interrupting your trip will depend on the insurance policy, but most likely you’ll be covered for the following reasons:

o Sudden business conflicts
o Change of mind
o Delay in processing your visa or passport
o Illness or injury
o Weather related issues

In case your flight is canceled or delayed, companies may provide additional coverage such as expenses that the airlines won’t cover, like taxi fares to the hotel or meals during your wait at the airport.

It’s also a good idea to have a plan with medical coverage of up to $1,000,000 in the case you become ill, need medical assistance, or have a flight accident occur. It’s also good to review the amount deductible by your insurance plan (this is the amount you’ll need to come up with before the insurance company picks of the rest). Make sure it covers repatriation (evacuation to your home country, rather than the nearest regional medical facility); make sure that does not mean you will be sent to the country where you purchased your plan either, but your home country. If you’re planning a visit to multiple countries, make sure all the countries are included in the region covered by your insurance policy.

To learn more about these types of coverage and more specialized coverage, read The Basics of .

To invest or not? How to make work for me.

Purchasing is great for insuring your money, should any unforeseen events pop-up, especially if you invest large sums of money on extravagant travel packages. To determine whether you want to invest in your not, ask yourself these questions:

o Did you invest a lot of money into your travel plans?
o Are you traveling overseas?
o Which regions or countries are you visiting and for how long?
o Are you planning on participating in any extreme sports?
o Can you afford the cost of your trip back home if any emergency arises?
o Will you be able to afford medical care if you or someone you are with gets sick and needs immediate medical attention?
o How old are you and how is your overall health?
o Do you have any pre-existing conditions that need regular, special attention?

You can purchase your for a single trip, multi-trip, or with an annual policy, all depending on how frequently you travel and the length of your trip. Comprehensive can cost anywhere from 4% to 8% of the cost of your trip, depending on type of coverage, the length of the trip, the destination, and the age of the travelers. It is best to purchase your between 7 to 21 days of purchasing your travel itinerary. Usually the maximum coverage period for insurance providers is for one year abroad.

Go through the fine print on your policy and check whether you will have to pay on the spot and redeem the money later for any medical expenses, or will the insurance company pay providers directly. If you have to claim it later on, you will want to hang on to all documents.

If you have a pre-existing medical condition, get an insurance policy that will specifically cover it. Also examine which adventure sports and activities the plan does and does not cover (rarely does it include scuba diving and hang gliding). Lastly, for your benefit, a policy that is flexible and can be extended while you’re already away is recommended. You never know whom you’ll meet, and you just might want to extend your trip.

Another good tip would be to get in touch with your credit card issuer before investing in . At http://www.creditcards.com/, a credit card information site, suggests calling your credit card issuer to see if you have any free travel benefits that you may not be aware of, for example, insurance on lost or damaged luggage. However, according to USTIA, canceling a trip at the last minute and being reimbursed by your credit card company is the most common misconceptions among travelers. And sometimes credit card companies have limitations on only cover up to 3 months of travel. It’s worth investigating.

Lastly, if you have existing health coverage, it would be wise to get in touch with them before hand, especially if you will need vaccinations and other medicine for your trip. Depending on your health insurance plan, ask for a ‘travel packet’ and they will send you important information regarding your coverage, if any, while abroad. It might turn out you might already be covered for somethings, but not for others.

Where can I purchase ?

There are many sites and companies offering online. Among them are leading companies such as World Nomads, Travel Guard, and InsureMyTrip, just to name a few. A new online resource called Squaremouth, helps travelers easily and instantly compare all the major plans at one site. You’ll be able to get immediate quotes from several major, reputable providers and compare policies and their prices. It’s a good starting point and one that you can trust.

Helpful Tips for once you’ve purchased your :

o Scan your insurance policy electronically and save it somewhere securely online
o Make one copy for yourself to bring on your trip
o Make another copy for a trusted family member to keep at home
o Have the emergency hotline number accessible during your trip, but make sure you try it out before leaving home to ensure its operating and correct
o List out any medications you are taking (including vaccinations for your trip), and a list of allergies you have; keep this with your insurance emergency number
o Keep all receipts at home
o Review all the fine print in your insurance policy and determine which adventures you will be taking and which risks might not be worth it

Finally, get ready for a trip of a lifetime! Hopefully you’ll avoid ever using your insurance plan, but it will give you and your loved ones more security knowing you’re protected.

Phuket : Party Like a Rock Star! And Other Phuket

When it comes to visiting Thailand’s largest and ever-popular island of Phuket, you are almost guaranteed a time full of thrill, excitement and adventure at nearly every corner. With vibrant streets exuding fun times and great memories to be had, your upcoming trip to Phuket will be nothing short of extraordinary and unforgettable. If you are trying to figure out what to fill your days with while there, consider taking part in the following Phuket while exploring the beautiful area…

1. Visit the Beaches

With just one step onto the golden sands of any of the Phuket beaches, you will quickly learn as to why so many people make their way there each year. Depending on the type of beaches you typically enjoy, there is truly one to suit any and all preferences. For a party scene close to all the craziness of the city, spend a day amongst the large crowds at Patong Beach. For those in search of something a bit more peaceful but within close distance to Patong or Phuket Town, try Kata Noi, Freedom Beach or Karon Beach. Of all the Phuket , this is one of the best. Soak up the sun, dig your toes in the sand and take in the beauty that surrounds each one of them.

2. Marvel at the Temples

Thailand as a whole is filled with some of the most spectacular and magnificent Buddhist temples. No matter what religion – if any – you are a part of, simply standing in front or exploring within the walls of these incredible temples is absolutely awe inspiring. The two that are not to be missed while scanning our Phuket : Big Buddha and Wat Chalong. If and when you do visit both of these, come prepared with appropriate clothes and a respectful attitude towards the many orange-robed monks you are very likely to meet while there.

3. Find Treasures at Markets

If it is one thing that the Thai people know how to do well – though there are dozens – it is the way they put on a market. If you are hoping to bring home little Thai trinkets and treasures, the markets will have all of that and so much more. Wander through either the Weekend Market, Indy Market or Sunday Night Market and get ready to be blown away by all of the magnificent and incredibly cheap finds that you are sure to fill up your suitcases and backpacks with. Not only are the handicrafts, clothes and jewelry at the markets fantastic, the food alone is to die for. Head there on an empty stomach and ready and willing to try anything remotely tasty looking that comes your way. Don’t eat get too full, or you may miss out on the other Phuket !

4. Explore the Waters by Boat

If you find that lying on the beach is simply lacking that thrill you were hoping would take place during your time in Phuket, then head out on a fun and exciting boat tour to explore the beautiful waters just off shore. Whether you want to hop on a catamaran, a classic Thai longtail boat, a double capacity sail boat for you and your loved one, a decked out yacht or a zippy speed boat, the options are far from few and guaranteed to have you loving every single minute on board. For all those water lovers, this may be your favorite of all Phuket While out at sea, you will get the chance to take part in some fun activities such as snorkeling, scuba diving, island exploring and of course some excellent sun bathing. This is one experience you will undoubtedly not want to miss out on while in Phuket.

5. Enjoy the Vibrant Nightlife

Phuket knows exactly what they are doing when it comes to creating some fantastic places to enjoy a night out on the town. This is especially true if you are staying in or near Patong as the area is home to the famous Bangla Road. Make your way there to see a plethora of extremely interesting, unique and lively bars and clubs that will absolutely have you walking away with some crazy stories to tell for those back home. If you are into a more laid back scene (and not enjoying the other Phuket ), head to a beach bar along the shores to sip on your favorite cocktail while breathing in that salty ocean air and as always, taking the time to soak up all of the magnificent beauty that Phuket has to offer each one of its guests.

All of the Phuket should not be ignored. Just remember to pack your suit and suncscreen… and oh yea, make sure you are well rested before the party starts!

What Type of Is Best for Canadians?

Among the first questions the majority Canadians ask when buying packages is “What type of do I need?

It’s a good query, as there are a number of types in existence, and selecting among the them all can seem a bit tricky to start with.

Listed in this article, we describe the primary types of plans in Canada, and what types of insurance are best for Canadians.

Single Trip

A single trip policy is suitable for your requirements if you’re intending to travel once inside of a given year. This variety of plan is the most widespread type of plan. Single trip policies only cover individuals for an individual journey away from home.

Multi Trip

If you travel repeatedly each year, it may be worthwhile to buy a multi-trip policy. A multi-trip coverage offers insurance for numerous trips in a year. Multi-trip plans often have limits around the time period of trips you are able to make. 15 day or one month trip limits are common, however, some firms let you take as many as sixty days on every trip.

If you want multi-trip coverage, look into the plan perks that are offered by credit card issuers. One of the charge cards you have in your purse could quite possibly maybe even offer protection!

Coverage may include the cardholder’s husband or wife and little ones and can be a great strategy to reduce plan costs. Make sure you study the insurance policy and coverage cautiously, so you know exactly what you’re actually getting.

All Inclusive

An all inclusive plan may well be effective for you if you want to have complete coverage. All inclusive insurance policies usually cover emergency medical protection, trip cancellation and trip interruption, baggage insurance plans and health evacuation insurance. Numerous all inclusive insurance policies offer high limits for emergency medical coverage.

The key downside of most inclusive policies is money. You’ll often pay greater than double the total cost of a single trip plan for all inclusive plan. If you happen to be paying attention to how much you want to spend, contemplate getting a simple single trip plan, and choosing a supplementary trip cancellation plan. This can help you save a ton of money.

Tip! Make a brief telephone call to your house insurance company to check out if they offer some baggage or personal belongings insurance plan.

Trip Cancellation and Interruption

Trip cancellation and interruption insurance is effective if you’re concerned about the expense to you personally in case your trip is cancelled or rescheduled. These kinds of packages are especially a good choice for trips that are high priced.

Trip cancellation and interruption insurance plans are also a decent option if you are travelling with multiple people, or if you happen to be travelling along with children. Would you want to take your infant on a long voyage if they’ve only developed a serious stomach virus? It happens all the time.Trip cancellation and interruption insurance will let you cancel your trip for pre-specified reasons like illness of yourself or a travelling companion, or work loss.

Always get in touch with your insurance provider to obtain their permission prior to cancelling a holiday. It’s very normal to believe a reason for cancelling is covered under an insurance policy, only to discover out that in fact there’s an exclusion within the plan. You can buy cancel for any reason plans, which will let you cancel a holiday for various reasons. These policies generally are somewhat higher priced, but nonetheless they do give you peace of mind.

Top Up Insurance for Canadians

Top up is an effective option in the event you already have insurance, but don’t have coverage for the entire time period that in fact you’re away. This type of plan is definitely worthwhile in case you have work or charge card insurance which can only cover you for the beginning part of your trip.

Using your primary insurance plans for your 1st part of your journey, and acquiring a top up plan for the rest, might be greatly less costly than investing in a brand-new policy for the entire time period.

Baggage

Baggage insurance protects you and your loved ones in case your luggage is lost, stolen, or rescheduled. The benefit you can get from baggage insurance ranges from about $500 to $2000 per consumer, relying on your plan.

Your home insurance coverage quite often gives you some protection for your assets while you are traveling, but they in all likelihood will likely not cover baggage delays.

Medical Evacuation

Emergency medical evacuation insurance is especially necessary if you’re going on a cruise or if you happen to be paying a visit to a remote location. If you fall ill aboard a cruise, an emergency medical evacuation by way of a helicopter can easily cost $150,000.

Emergency health evacuation insurance can pay for transportation to the closest medical facility or alternatively back to your point of departure. Having said that, all insurance policies call for pre-approval by way of qualified medical expert. While medical evacuation is covered in many medical policies, you can buy separate medical evacuation insurance cover plan.

Be mindful if you’re considering obtaining insurance plans coming from the cruise company. Many cruise companies do not include medical evacuation insurance cover plan inside their policies.

Pre-Existing Conditions

If you have a pre-existing health condition (including diabetes or alternatively heart issues), a policy that allows for coverage when it comes to pre-existing conditions is a must have. A pre-existing condition is a health problem you might already had when trip started, even if you didn’t have the problem at the time you obtained your insurance.

Insurance policies who will allow for pre-existing medical conditions are typically more costly, nonetheless, at the very least, you’ll be covered in the event you have a medical disaster associated with your pre-existing condition. Any condition that in fact appears from the time you acquire your insurance plan to the time period you begin your vacation can be considered to be a pre-existing condition, even if you didn’t know about it at the time you purchased your insurance plan.

Being pregnant will often be viewed as a pre-existing condition by many travel insurers.

Accidental Death and Dismemberment

Accidental death and dismemberment is a worthwhile type of , and is generally speaking (though not guaranteed to be) covered in emergency medical policies. This type of will take care of you for injuries you get while riding as a fare-paying passenger on an airplane, helicopter or common carrier (a bus, boat, or even train). There’s also a death benefit that is paid out (generally between 10,000 to 25,000) if you pass away on your voyage.

In keeping with its less than lovely title, an accidental death and dismemberment policy can pay you a set amount if you lose an arm or leg (or other part of your body) while on vacation.

Bottom Line

Whatever type of you decide on, read your policy attentively before you leave.