|
|
| Diet Information |
|
|
|
|
The Importance of Travel InsuranceKaren Zastudil Youve finally saved enough to go on that dream vacation youve been planning. Now youre wondering if you should buy travel insurance. Do I really need to go to the extra expense All I can lose is my luggage, right Guess again! Anything can go wrong while you are traveling, and I strongly favor buying a policy. Most travel insurance policies are designed for a variety of travel needs but, I emphatically advise reading the fine print of any policy you purchase regarding any deductibles and health situations. You many find your policy wont cover pre-existing conditions that may cause a problem, or that the medical coverage is only for an injury or an illness -- not both. For emergency aid, travel insurance polices are generally dependable and affordable, but there are still a myriad of gaps in the coverage provided. You can find polices designed for almost any type of trip you may be planning, such as a single trip for hunting, backpacking, cruises, house rentals, and a host of others. But, the specific types and amounts of coverage you get depend on the policy you choose. Its important to remember that you will only be covered for what is specifically stated in your policy and for nothing else. Most policies cover trip cancellation, lost baggage, medical, dental, and accidental death coverage. Other policies include emergency evacuation, 24 hour travel assistance, and trip or baggage delay. You may even find policies that include options for collision or damage to rented cars and business conflicts. There are many options that can be covered, but you will have to ask. The premiums for the policies are generally 5% to 7% the cost of your trip, but fees will vary depending on the your medical history and passengers ages. Many companies offer policies that will include coverage for children at no extra charge. It is best not to buy your travel insurance from your tour operator. Ive listed a few reasons why it may be better to purchase through an insurance company separately. Most travel insurance policies offered by the operator are less flexible to your individual needs; Provide a lower amount of coverage; May only cover a portion of the trip; Your coverage may be secondary and the insurance will only pay for what you own private health or homeowners insurance does not cover; May duplicate coverage you already have; In the event the tour operator liquidates and goes belly up, you would lose not only your trip, but also your premium. Many travel agents are not fully knowledgeable when it comes to understanding the details of various travel insurance policies and may overlook something that could be important to you or your family and few offer suggestions. Buying travel insurance may be less expensive purchasing through your tour operator or cruise line, but for the reasons listed above, you should really check around. If you do choose to buy your policy from your tour operator, be sure to use a credit card. Depending on the policy of the credit card issuer, you may be provided with protection against potential default of the operator. When buying your policy from an insurance company: Always get quotes from several companies Ask if the plan is pre-packaged or if you can custom design your own Can you waive the pre-existing condition exclusion Ask if you are covered for cancellation due to a terrorist incident. Dont count of the company to provide information Ask any question you can dream up and Do ask for suggestions A good site to reference for multiple travel insurance quotes is InsureMyTrip.com. I am not affiliated with this site in any way. I just like the site! Enjoy your next trip and I hope the odds are with you and that you will never have to file a claim on your travel insurance policy. c2004 Karen Zastudil
|
|
|
|
RELATED ARTICLES
Thirty Things You Can Do To Avoid Cancer 1. Make sure you have a pure source of foodstuffs. Obtain fresh, organic produce regularly by joining a vegetable box scheme Its Not Your Fault Well, worry no more. Its not your fault. The latest research of the most advanced information on the human brain and its effects on our success uncovers truly revolutionary insight. Holiday Intentions Over the course of the last 2,000 or so years, weve managed to cram our three biggest holidays into the space of about six weeks. We dont spread them out so that we can savor each event. Instead, we choose a time of year in which the weather is likely to be lousy at least in the Northern Hemisphere, and cram parties, travel, feasts, and loads of stress all into a short period of time. No wonder the holiday season exhausts our pocketbooks, our patience, our diets, our will power, and ourselves. Finding Delicious Cookie Recipes Many of us have an inner baker inside us that loves to find new cookie recipes to try. But, where do you find new, tried and true, cookie recipes that your family will love People are always looking for the newest versions of their favorite recipes to broaden their dinner choices. New crockpot recipes, new chicken recipes, even new fondue recipes are all searched for by those needing something a little different. Lets face it, we all want something different from time to time, right There are many places to find free recipes for any of your needs. Going to the local library and obtaining a membership most of the time this is free as well is one way to do some research. Relaxation - The key to healthy life Physical exercise complemented by a healthy diet may still leave you bereft of a truly fit body if you dont relax enough. Relaxation releases feel good hormones in our body. They help us reduce free radical effect, which means it slows down the ageing process, reducing the PMS syndrome, speeds up recovery of post-operative healing, increases our lung power... the list is endless. Spanish Food - The Perfect Paella Looking for a traditional Spanish recipe Without doubt, the best-known is going to be the prodigious paella ... that tasty, adaptable, gregarious dish famed throughout Spain and the World. Quit Smoking Consider this: The Best Way to Use Low-Carb Control The benefits of low-carb dieting are easy to see and make clear why so many are choosing a low-carb way of life. For example, there isnt any counting of calories or measuring portions. In addition you do not have to cut out all the food you enjoy. You can continue eating burgers, cheese, and bacon. Putting yourself on an eating plan for most people is generally complicated and yet the low-carb diet plan is simple enough for anyone. Cut your carbs down and watch the pounds fall. Multivitamins Help Reduce Risk Of Infection In Diabetes NC—While many people take multivitamins to promote good health and to help reduce the risk of chronic diseases like heart disease and cancer, new research shows that a daily multivitamin supplement may also help to optimize the health of people with type 2 diabetes. Does It Matter If You Are Overweight Everywhere we look in the western world we are inundated with pictures, images, icons and inferences of the perfect female shape! The truth is that many of these images are altered or enhanced in some way and do not depict the typical female form. The pressure to lose weight is immense when we are bombarded every day with media selling products based on slimness, sex appeal and fashion. The constant message is that slimness will make you desireable. How I Did It - An Average Persons Account of Weight Loss For most of my life, or at least as long as I can remember, I have been overweight. No let me rephrase. I have been fat. Yes, fat. Not just a little overweight, not big boned, not plus sized or comfortably large. Not weight challenged or in need of loosing a few pounds. I was fat. Fat, fat, fat. Fat to the point of being teased and of having problems finding cloths that fit. Fat to the point of just being miserable. It was amazing how one aspect of my life could so completely take control of my life. 10 Quick Debt-Busting Tips Are you really frustrated Take The "Die" out Of Dieting - Tips For Stress Free Weight Loss Not so resolved on that "New Years Resolution" to be in shape this year Not quite in the body that you wanted to spend this summer in Are you sick of counting carb grams and worrying about all of the foods that you "cant eat" If You are tired of losing the same weight over and over, and feeling like a failure because your last "diet" didnt work, try these tips to not only lose weight, but lose it for good. I have watched hundreds of clients over the years and almost without exception, those that lose their weight once and for all have mastered these tips and made their weight loss Stress Free The New Age Movement New Age - A Paradigm Shift to Divine Consciousness & a Universal Philosophy Life Is Not Always Fair I once heard the story of a grown bear that lived in a cage and traveled with a circus ever since he was a small cub. The bear spent everyday of his life pacing back and forth in his cage while countless spectators looked on. When the bear’s keepers were not looking some of the spectators would poke the bear with sharp sticks or would throw pieces of food filled with broken glass into the cage. When the great bear would eat what he thought was a wonderful treat, the broken glass would cut the inside of his throat and stomach. Beyond Macronutrients and the Importance of Vitamin Supplements Most healthy eaters are familiar with the three macronutrients that garner the most media attention within the diet world: proteins, carbohydrates, and fats. Indeed, some highly regarded eating programs, such as the Isometric Diet®, are designed to deliver an optimal balance of these three macronutrients. On a Diet During The Holidays Okay, Knock It Off! While surfing the net submitting my articles, reading, shopping etc. I stumped in to many articles title how not gain weight during the holiday’s, low fat holiday recipes, holiday Diet, blah, blah, blah.. Cancer Diet: Feasting on the Four Food Groups - A Mesothelioma Patients Guide to Nutrition At some point during our childhood we have all been told to eat our vegetables. Forcing down tasteless green beans and brussels sprouts were supposed to make us taller and stronger. Well, so it is for mesothelioma patients. Diet is often an overlooked subject for cancer patients, but eating the right nutritional foods for strength and energy is just as important as taking the proper medication. Low Carb Dieting Tips: When You Reach Your Plateaus We all get to that place in out weight loss plan where we seem to be getting less results if any. Many of us may feel like it is hopeless and that we have gone as far as we can. A plateau refers to an extended period of time during our weight loss efforts where there is no weight loss according to the scale AND no loss of inches according to the tape measure. This can happen even if you are sticking to your low-carb diet plan. If this seems to be your case chances are that you aren’t as stuck as you may think. There are a few things you can do to keep your body in check: Skin Care Tips For Your Type Of Skin With all the skin care tips and information today, you might think its very confusing! All you want is what is best for your skin. It may be overwhelming for you to try to keep up with the constantly evolving technology.
|
| home | site map |
| © 2005 |