Timing is Everything — Especially With

Few things in life are as satisfying as a trip abroad, and most of us can hardly wait until we leave on our great adventure. Anticipation of things to come merely heightens our delight. Planning our trips is part of the enjoyment. Running around, buying our tickets, luggage, clothes and other items that we plan to take with us don’t even seem like chores. It’s not even painful to pay for these things because we know that soon we’ll be exploring places we’ve never been before. However, there is one “fly in this ointment”, one more expense that we’d rather not have because even though it costs us money, we receive no tangible benefit. What am I talking about? Why, , of course!!!

Is Buying at the Last Moment Okay?

I don’t know about you, but as far as I’m concerned, paying for is not exactly my favorite way of spending money. Could it be because travel health insurance is not exactly sexy? Or is it because it just adds to the cost of an already expensive trip? Whatever the reason, I’d rather not spend the bucks on travel medical insurance. However, because I know that it really is a necessity, I buy it. Nevertheless, I tend to put off the purchase as long as possible because it still feels like an “extra”. Am doing myself a favor or not?

Are You A Gambler?

Is keeping my money in my pocket for as long as possible helping me or hurting me? By delaying my purchase until the day I leave, I’m actually hurting myself. This is because I’m actually gambling that nothing will happen to me before I buy my insurance. I’m betting that I or someone in my family won’t fall ill or get injured prior to departure. Also, if I haven’t bought it and something bad does happen, I won’t have any insurance coverage and I’ll be out of luck. Wouldn’t I be smarter to get my ASAP in order to minimize my risk and maximize my potential benefits?

Don’t Lose Your Pre-Existing Condition Coverage

There is another reason to buy without delay. Sometimes we make our travel arrangements in stages and don’t book our flights at the same time. We travelers are eligible for pre-existing medical condition exclusion waivers provided we buy our from 7 to 21 days (depending on the policy) of making our arrangements. If we wait longer, we may not be eligible for those benefits, especially if a previously unknown health condition should materialize.

Don’t Wait To Finalize Everything Before Buying

Whenever I have traveled, I have known in advance what my plane tickets were going to cost, but what about you? Maybe you’ve made travel plans but have not yet bought your plane tickets. I suggest that it’s a good idea to buy your even if you haven’t bought your tickets because doing so will ensure that you will qualify for the pre-existing condition exclusion waiver. If you don’t know what your flight will cost, estimate the cost and include this figure in the total cost of your trip. Later, when you have purchased your flight tickets, you can advise the insurance company. That way you will not risk being ineligible for coverage for a medical conditions that crops up prior to departure.

What If You’ve Already Left on Your Trip?

I happen to be one of the world’s greatest procrastinators. My motto is, “Never do today what you can put off until tomorrow because you might get lucky and not have to do it at all!” Maybe you, too, are a Great Procrastinator and you avoid buying before you leave on your trip. What happens if you have delayed buying your or expatriate insurance until AFTER your departure? Are you out of luck? Are you ineligible for insurance because you didn’t buy it before you left home?

Fortunately, the good news is that, even if you decide to buy after departure, you are still eligible for insurance. If you can get access to the internet, both and expatriate insurance can be found and purchased online, even after you’ve left on your trip or taken up residence abroad. As the old saying goes, “Better late than never,” especially in this case!

Can You Get Insurance for Someone Else Who Has Already Left?

Here’s another scenario. What if there is an emergency and a family member (including minors) or a friend or employee has not bought but has already left on their trip? Do they have to travel uninsured? The answer is no, they don’t have to go without . You, or someone else they designate, can go online and purchase on their behalf. It’s good to know that when friends, family or employees are too busy to get their own , they don’t have to go without it.

In this case, all you need to do is fill out an online application and make the required online payment. You’ll get instant confirmation and can even print out a copy of the policy. There is one cautionary note though. If you’re purchasing on behalf of a minor, you’ll first have to register as an adult in order to get the insurance. It is also important to note that they will not be eligible for coverage for pre-existing medical conditions that occur during the trip after departure and prior to purchasing their insurance. This is merely another reason why purchasing should not be delayed.

In the World of , Timing Definitely Is Everything

Timing is everything, they say. Purchasing travel or expatriate insurance was probably not on the mind of whoever coined that phrase. Nevertheless, those words apply as much to buying as they do to anything else. Given the potential for financial ruin if you’re not insured, the time to buy yours is before you need it because buying it after you need it is impossible and much too late. Learn from the “Great Procrastinator” and get the insurance you need before you need it.

4 for Couples Traveling Abroad – Part 2

A romantic getaway is an exciting way to fan the flame of romance in any relationship. Before you can stroll hand-in-hand in the moonlight, you need to properly prepare for your trip. In this article, I’ll share four to get your vacation started on the right track to ensure your romantic getaway is smooth sailing.

Tip #1: Be sure to make copies of your important documents. If you’re using traveler’s checks make sure you keep the copies with the serial numbers separate from the originals. It also wouldn’t hurt to email the serial numbers, credit card numbers and your passport number to yourself. That way you can access the documents easily via the internet should your luggage or purse be lost or stolen. You can access the internet in almost every country. You can also leave a copy in your safety deposit box or with a trusted relative.

Tip #2: Check for travel alerts for your destination country. These are usually posted and updated by your country’s foreign travel department. It’s important to be aware of travel alerts to see if there are any health-related medical outbreaks or local political uprisings you need to be aware of. Sometimes these alerts can delay your vacation. I had to visit the airport health department office before I boarded my plane to leave Jamaica. At the time, they had a cautionary health alert.

Tip #3: Read up on the customs in the country of your destination. It also is good to know how to say good morning, please and thank you in the language of the country you are visiting. Learn how to properly greet someone. We tend to informal in the United States. In other countries, it is downright rude to address a stranger informally. If you respect the people in the country you’re visiting by learning a few of their customs, you’ll find that their response to you will be warm, friendly and helpful.

Tip #4: Leave a copy of your itinerary with someone you trust at home. Be sure to let them know of any changes. In case of an emergency on their end or your end, you want someone to be able to contact the authorities. They should know where you are or at least where you are supposed to be.

Keep your romantic getaway safe and fun by using these when booking your vacation. Don’t wait until the last-minute. Procrastination cost time, money and unnecessary stress. Advance preparation makes for a smooth trip and a fun vacation for you both.

How to Compare Quotes

Most travellers understand the importance of . Whether you are travelling domestically or internationally, having this type of insurance will protect you from unforeseen circumstances such as cancelled flights, lost baggage, and medical treatment.

Can you imagine getting into an accident abroad, with limited money and with no friend to turn to for help? It can be quite difficult but having proper insurance will help you get back on your feet without even putting a dent on your finances.

Now before you purchase a policy, it’s important that you compare packages from various insurance companies. Whilst people are made to believe that all insurance policies are the same, the truth is, they’re not. You need to check certain factors before making a decision, and it is also worth your while to compare so you will be able to find the best one for your needs.

Types of

Before you make a decision to purchase insurance policy, one of the first things you need to look into is the type of insurance you will get. Of course, you need to get one that’s suited for your particular travel in terms of destination, duration, number of people travelling, and age. You can choose European only, worldwide, annual multi-trip, single trip, backpackers, business travel, winter sports, adventure travel, and long stay. You also need to decide whether you’re getting individual, couple or family insurance for people below or over 65, as well as people below or over 75.

Rates

The next thing for you to consider is how much you are willing to pay for your policy. Insurance rates vary; you can get a policy for less than £2 and you can also get one for as much as £100, and it really depends on what type of insurance you’re getting as well as the coverage. To help you find the best , it’s always recommended that you compare quotes online. Doing so is easy, and you can get plenty of insurance quotes with just a few clicks.

Check the Insurance Company’s Reputation

Sometimes people are enticed to purchase the cheapest policy available without really bothering to check the reputation of the insurance company offering it. Don’t make that mistake. You may save money on your policy but how helpful will it be in case you lose your luggage or your flight home gets cancelled? You are better off purchasing insurance from a well established and trusted insurance company even if it will cost you a bit more. At the very least, getting from them will give you the peace of mind you need so you can enjoy your trip completely.

Safe For Seniors

It’s important to consider travel safety tips for seniors before setting out on an excursion. Seniors who need to travel alone or with companions need to consider general safety measures and .

This article will give some safety tips to seniors. It will help them appreciate bother free trips, whether they are going on a weekend trip, or if they choose to take an experience abroad.

Vital Travel Safety Tips for Seniors

Specialist Checkup – The most vital step for seniors who need to stay safe on a trip is to get a physical checkup from their doctor. It’s vital for your specialist to discover that you don’t have any prior sickness that may keep you from making a tough outing. Your specialist may likewise refer you to a few specialists in the nation or region that you plan to visit.

Immunizations – You may require a few vaccinations before you go. A considerable measure will rely on upon the zone of the world where you expect to travel. Vaccinations against hepatitis, cholera and yellow fever may be proposed or even needed.

Likewise, verify that you are furnished with a worldwide immunization card, so you understand what antibodies you have been given, and in instances of yellow fever, some travel operators may confirm that you have been given a vaccination. Without it, you may not enter or leave a few nations.

Keep away from unclear transportation – In some nations, some transportation can be greatly hazardous. Case in point, in Thailand and Indonesia, a few transport drivers travel at a high speed and mischances are normal. Various African nations and Russia have poor carrier safety norms. Staying away from some of these circumstances could avert mishaps.

Seniors should additionally travel by recognized organizations. If you are drawn nearer by outsiders and advised that they can take you to your destination at a less expensive cost than a known organization, you ought to be watchful as they could loot you.

You ought to additionally search for transportation that gives safety belts because you never know when a mishap can happen, and seat belts can spare your life.

Tell Family and Companions of Your Whereabouts – You may need to leave a schedule with family and companions, so they know where you are. You can likewise keep them updated each couple of days on the Web. Facebook and Twitter are extraordinary approaches to give moment reports on your area. You can likewise keep individuals redesigned by email.

Register with the Consulate – If you want to visit a nation for an increased span of time, or if you want to live there, you must tell them and give them your location. This helps them contact you if a crisis happens in your family, and your family can’t contact you, or if something else happens.

Safety in Numbers – You are more secure when you go in little groups. If you walk around alone, you are an easy focus for burglars and different criminals.

If you like to walk alone, ask trusted neighborhood natives where the most secure parts of town are, and verify you walk around amid the day hours and not during the evening.

Use simple Clothing In the city – A last safety tip for seniors is to do whatever it takes not to stand out. You would prefer not to wear some extravagant garments with a costly watch, or have two cameras and a video recorder dangling from your neck. In traveler areas, this could spell inconvenience for you.

Try not to convey much cash on you, and dependably keep additional fifteen or twenty dollars in a simple to get places, just to use if you are looted. It’s ideal to have some cash when you are ransacked than not to have any.

Conclusion

A bit practical decision skill goes far. If you consider how you stay safe where you live, you must utilize some precautionary measures when you travel. Continuously consider safety in the first place, and you can evade numerous issues when you travel.