Top 10 Reasons to Purchase Travel Insurance

There are hundreds of circumstances that could cause you to cancel your trip, return home early or force you to seek emergency medical treatment while traveling.
To demonstrate the importance of purchasing travel insurance, and emergency travel services, here are 10 common examples of what could go wrong.


  1. It's 10 p.m. and you and your immediate family arrive at the airport for a connecting flight, only to find that your flight has been cancelled. Who can assist you with finding new flights to get everyone home?
  2. Your bag was lost with your insulin inside. You need help to locate your bag as soon as possible and have your emergency prescription filled. Who do you call?
  3. Your first visit to Europe, and your passport and wallet are stolen. Where do you turn for assistance in obtaining emergency cash, and how will you get your passport replaced?
  4. You're involved in an accident and adequate medical treatment is not available. Who will help coordinate a medical evacuation?
  5. If your sister-in-law becomes seriously ill and you must cancel your trip, what happens to your non-refundable deposits or pre-payments?
  6. You arrive in Jamaica and your luggage doesn't. If it's lost, who will help you find it? If it's delayed who will reimburse you for covered necessities? If it's stolen, who will reimburse you for its contents?
  7. Your cruise-line, airline or tour operator goes bankrupt. Who will pay for your non-refundable expenses? Who is able to assist in getting you to your destination?
  8. You're walking down a street in Rio and twist your ankle. Who is able to assist you in finding an English-speaking physician?
  9. Three weeks before your scheduled arrival, a terrorist incident occurs in the city to which you are planning to visit. Who will reimburse you if you want to cancel your trip?
  10. You are at a beach resort in North Carolina, and you are forced to evacuate due to a hurricane which has made your resort uninhabitable. Who can assist you in being evacuated? Who will reimburse you for your lost vacation investment?



Source: http://goo.gl/r8kb7U

Why Travel Insurance is Important

Travel insurance is one of the most important things to consider if you are traveling overseas. While most of the tourists traveling overseas take adequate precaution and travel safely, in a few cases they find themselves in difficulties. Each year, thousands of cases are reported by tourists traveling overseas especially developing and underdeveloped nations. Medical emergency includes cases of hospitalization, death and in emergency evacuation to another location or home country for medical attention.

Medical treatment overseas is an expensive whether from injury or illness.  Daily hospitalizations cost in Southeast Asia could reach as high as USD 800. In cases where the individuals are not covered by travel insurance, personal tragedies could be compounded by a long term financial burden.

Same could happen with loss of luggage in transport or passport. You may miss flight due to confusion at airport terminals or there could be some terrorism related activity which forces you to cancel your travel plan. To cover all these unforeseen circumstances, travel insurance comes as a great respite and lifesaver.


Here is why travel insurance is important especially if you are traveling overseas for long  vacation. Click to Tweet

  • Your flight has been cancelled
  • Your baggage is lost in transit
  • You had your wallet stolen which had your passport and you need cash and replacement
  • You have a medical emergency and you need evacuation to another country because adequate medical facilities are not available
  • Sudden illness makes you cancel your trip
  • The cruise you were traveling in goes bankrupt and you need to get to your destination as well as the coverage of non-refundable expanses
  • An incidence of terrorism takes place in the city you were planning to travel to
Trip Cancellation
Insurance for trip cancellation or interruption is a must consider point if you are traveling long distance. These kind of policies cover cancellations due to weather, sudden illness, death and emergencies whilst at home or abroad For traveling to Delhi from Bangalore, it is not advisable to go for the insurance but if you are traveling from Delhi to Los Angeles on your dream trip or going for a cruise in Mediterranean, you should definitely go get yourself insured for trip cancellation and interruption. Do not buy this insurance from the individual travel provider because the chances are that if the company goes out of business so does their insurance.

Medical Emergency
Medical emergency is perhaps the single most important factor to consider proper travel insurance cover. Under this cover, you will get assistance if get sick or injured overseas. The policy covers your treatment cost, cost of medical advice from doctors, medical bills and even evacuation to your home country or nearest country where adequate medical facilities are available for your treatment.

Baggage Insurance
Baggage insurance is generally covered in trip cancellation and interruption policy but it is always advisable to go for larger policy if you are traveling overseas for a long vacation. Go for excess valuation which requires you to declare the contents of your luggage. And it’s well worth it if your carrier does lose your bags.
Other insurance policies which could come handy are Golf Travel Insurance, Adventure Sport Travel Insurance and the credit card coverage. Credit card coverage is available to if you have used your credit card to book your trip. You need to check with your credit card provider for more details on coverage.

Source: http://goo.gl/9XKR8M

Best Top 10 Value Destinations for 2016

Bagging a good deal on the road can be almost as thrilling as the trip itself, no matter what your travel budget.
Make your hard-earned cash go further with our essential annual hot-list of where to go for wallet-friendly wandering, whether you’re hunting for a bargain or in search of old-school cheapness. Splurgers, look elsewhere.

1. Estonia.

travel insurance

If you’ve just got off the ferry from Stockholm or Helsinki then Estonia can feel like the promised land. Why? That chunk of change in your pocket you’ve had since last leaving the eurozone will buy you a round of drinks. Upsizing from a hostel to hotel might seem like a good – and affordable – idea. Best of all, what you get in exchange for your hard-earned cash is experiencing a gloriously distinctive slice of Europe, where Eastern and Nordic influences mix together.

Beyond the irresistible capital of Tallinn there are little-known Baltic islands and the seashore and forest delights of Lahemaa National Park, which holds the distinction of being the first national park in the old Soviet Union.

2. Ho Chi Minh City and Hanoi, Vietnam


 Travel Insurance

The Price of Travel’s Index (priceoftravel.com), ranking 31 Asian cities by price, confirms what many travellers have known for a while – Vietnam’s cities are tops for budget options. Both Ho Chi Minh City and Hanoi (third and second in the list respectively) are in that most magical of price brackets for the budget traveller: US$20 per day or less for food, lodging and sights. Finding these prices will take you firmly into the territory of living like a local, which is another vote in favour of making a super-cheap city trip at some point this year.

3. East Africa



The outbreak of the Ebola virus in West Africa has, unfortunately for other areas of the continent, had a knock-on effect in terms of bookings for 2015. So listen up: London, Madrid and Paris are hundreds of miles closer to the outbreak in West Africa than East Africa’s tourism heartland. Africa is a massive continent (the United States would fit in the Sahara Desert) so you’ll be doing yourself and tourism in East Africa a favour if you take advantage of the cracking deals on offer to Kenya, Uganda, Tanzania and the rest of the region. And in the process experience some of the world’s great wonders, from gorilla encounters to Rift Valley scenery to squeaky-sanded beaches.


4. New Mexico


Looking for a beautiful, affordable, active, foodie corner of America’s southwest?  Look no further. New Mexico powers your budget further. Dry, sunny weather is a near constant. Albuquerque’s Breaking Bad sights can be explored for the price of a trolley ride and washed down with a cheap eat from a hole-in-the-wall taqueria. Elsewhere, the winter sports are good and cheap and the outdoors is outstanding (and free): hiking in Alpine forests, petroglyph sites to track down and free wild hot springs. Given the richness of attractions all found within one state, New Mexico offers value from a time as well as monetary perspective.



5. Bosnia and Hercegovina


All it takes to make Europe’s big hitters feel very pricey is for a few currency fluctuations to work against you. Thankfully there are still a few places where regardless of where you come from you’ll feel like you’re getting a good deal. Bosnia and Hercegovina is one of those. Inexpensive accommodation, meals and intercity transport combined with historic cities (Sarajevo and Mostar) and affordable adrenaline pursuits (rafting on the Una River and skiing) reward both the impecunious and those seeking a less well-travelled Europe.


6. Galicia, Spain


Spain. Mapped by travellers? Not completely. Galicia in the northwest of the country is arguably Spain’s last frontier. Once you get beyond Santiago de Compostela, this wild region fragments into rocky coastline met by spectacular rías (inlets) and an interior of countless unspoilt villages. The region’s value comes not only from the lower costs compared with more-visited parts of Spain, but also from the quality of seafood and meat found in abundance in tapas bars, meaning tasting the good stuff in small portions costs less. And if you’re keen to save while sleeping over, aim for self-catering properties around the region, especially outside the school holidays.


7. Québec City, Canada


What to do if you live in North America and want to visit Europe, but lack the time and funds? Consider Québec City. Yes, we know it’s not in Europe. But there’s enough of the exotic in this Francophone city to remind you of the Old Continent. In a few days you can tour the beautiful Unesco-listed old town, dine in old-school bistros and get thoroughly lost in the timeless cobblestone streets. With a little more time and your own wheels, Montmorency Forest (foretmontmorency.ca/en) and Jacques-Cartier National Park offer a wilder taste of the province and superb wildlife-viewing opportunities surprisingly close to the city.


8. Costa Rica’s Caribbean coast


Looking for a Costa Rica that’s more Tico than tourist, but with everything that makes the country such a big draw? Get to the country’s Caribbean coast and you’ll find a still-evolving destination that’s likely to become a big noise over the next few years. Here you’ll find nesting turtles at Tortuguero, rafting on the Río Pacuare and diving in the reefs of Manzanillo. Surfers and fans of laid-back black-sand beaches should aim for the southern coast. For now, this is a land mostly visited by independent travellers and those seeking out birdlife. Not sold? Two words: sloth sanctuary.


9. Timor-Leste


If you’re pondering a little-known and highly affordable destination then Timor-Leste (rather than East Timor, if you please) might just be the budget destination for you. Away from the pricey hotels of the internationally-influenced capital of Dili, you’ll find bargain beach shacks on the beaches of Atauro Island, and welcoming homestays in the misty hill country. Despite ongoing security concerns, travelling round Timor-Leste can be an old-fashioned adventure, complete with bumpy roads and packed local transport. As an added bonus, you will be able to stare down any travel bore with Asia’s newest country added to your roster.


10. Western Australia


Currency fluctuations mean that the Australian dollar is a better deal for overseas visitors than it has been for a few years, and that Aussies may scale back overseas plans. This puts the dream-like landscapes of Western Australia, out of reach of some travellers thanks to the mining boom of the last few years, firmly back on the map. Beyond cosmopolitan Perth, iconic natural sights abound here, from the rocky coast and winelands of the southwest to the outback treats of the Kimberley, Kununurra and the Pinnacles.



Source: http://www.lonelyplanet.com/travel-tips-and-articles/best-value-destinations-for-2016









Tips To Pick The Right Health Cover To Suit Your Needs

It takes an agent several days, even weeks, to convince a customer to buy health insurance. Yet, 10 minutes at the billing counter of a hospital were enough to persuade Avinash Sharma (see picture).

Insurance Pandit - Health Insurance Plans
When the Delhi-based professional visited a friend, who had undergone a minor surgery in a private hospital last month, he was shocked to see the bill at the time of discharge.

"A simple operation and one night's hospitalisation cost him Rs 1.4 lakh. The cover from his employer covered only Rs 50,000 of the cost," he says.

We are not surprised. Healthcare costs are rising at a fast clip. According to a survey by insurance consultancy firm, Towers Watson India, healthcare costs in India increased by 13.25% in 2011.

The rate of increase in 2012 is estimated to be roughly at the same level. The culprits: introduction of new medical technologies, over-prescription by doctors, and a general rise in medicine costs.

Says Antony Jacob, CEO of Apollo Munich Health Insurance: "The treatment protocol for angioplasty today is vastly different from that followed five years ago. Many of these advanced medical technologies and procedures cost more."



Sharma is now looking for a health insurance policy for his family. However, the vast array of choices before him is confusing.

There are individual policies and family floater plans, policies that restore the limit after the claim and plans that cover critical illnesses or offer cash benefits on hospitalisation. How does one pick a suitable plan from this clutter?

The answer is that your needs should define the type of policy you buy. Each type of health insurance policy fulfils a certain need (see graphic).

The choice depends on the buyer's age, family size and structure, and existing insurance cover.

Reference: http://goo.gl/Q000n4