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Educational Travel Planning
Planning your own educational trip
If it's just for school, for your kids or for the neighborhood
kids, it's nice to have a purposeful educational trip that will
surely be enjoyed by the children as well as teach them. Of
course there is the...
First Class Airfare: How the Rich Travel
First Class Airfare: How the Rich Travel Have you ever wondered what all entails first class airfare, but never knew where to look? First class airfare can cost up to 15 times more than the regular fares for the same trip. So what do travelers...
Travel and Scenic Photography 101
When you're driving through the mountains somewhere, and you notice a car parked half off the road and some guy leaning to the left to avoid a branch with his Rebel 2000 camera in the act of focusing, you've met me. I do this because, to me, a trip...
Travel Germany: Oktoberfest
Travel Germany: Oktoberfest Travelers to Germany during late September and early October are in for an Oktoberfest treat: two solid weeks of beer drinking, revelry and entertainment. For a glimpse into the festivities, as well as some of the...
What you need to know about – Business travel
Business trips or official trips are those that take you away from your place of work for a significant duration of time. In terms of IRS you travel away from your ‘tax home’ (the place where you are currently working) to a different place for a...
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Insuring Your Travel on a Shoe String
Cheap travel insurance isn't necessarily about who's asking the lowest premium. Cheap travel insurance is about knowing your choices, perusing all the options and discarding the coverage you don't need. If you end up with cheap travel insurance that doesn't help you out of an overseas medical or evacuation jam, you haven't gotten a bargain. However, if you're a U.S. resident traveling within the United States you aren't going to need travel insurance that offers medical evacuation coverage. If you're touring the country by car you don't need lost luggage protection.
Travel insurance can offer much more than medical care while you're traveling. Some of the other features of some travel insurance plans are translation services, travel assistance, lost luggage, trip interruption, replacement of lost or damaged eyeglasses, repair of damaged or stolen rental vehicle, emergency medical evacuation coverage, flight cancellation due to bankruptcy of the airline, flight accident and terrorism.
For purposes of comparison there are four levels of travel insurance coverage - the most all-encompassing being total trip coverage. Some of these plans have a coverage ceiling as high as $500,000. Along with the above-mentioned travel catastrophes these plans also provide payment for return of traveler's remains to home in the event of death, as well as emergency dental coverage and reimbursement for financial default of your travel agency or any other
provider of your trip, such as cruise company.
The next level down, comprehensive, can provide up to $1 million in coverage with some carriers. The range of coverage incidents and the ceilings are often a little lower than total trip coverage, however.
When it comes to cheap travel insurance there are two options. You can choose the economy level of trip coverage or, if you travel extensively, you may do better paying an annual premium. You can also end up with cheap travel insurance if you mix and match your various issues, choosing only the coverage you need. You can, for instance, choose to purchase only flight ticket protection (in case of trip interruption, for reimbursement of your non-refundable ticket). Perhaps you might want to purchase AD&D (accidental death and dismemberment) coverage in case of airline accident. Or you might want to add, or purchase alone, some cheap travel insurance for medical care, and/or medical evacuation. You may choose to add reimbursement protection for lost or delayed baggage.
Cheap travel insurance is about making good choices and buying only what you need as you need it. It's also about comparison shopping.
About the Author
Steve Cogger is an avid traveler offering a wealth of travel information. For more information on travel insurance visit thehttp://www.1-Happy-Traveller.com" target="_blank">1 Happy Traveller website.
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