The Importance of Travel Insurance

You’ve finally saved enough to go on that dream vacation you’ve been planning. Now you’re 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 won’t 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. It’s 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. I’ve 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 homeowner’s 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. Don’t 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.

(c)2004 Karen Zastudil

Why Choose a “Cheap” Hotel When Travelling to Seattle?

There are many advantages associated with choosing cheap hotels when traveling to Seattle. Seattle is a location that draws well over nine million visitors on an annual basis. Named as one of the “Top 10 Favorite Cities to Visit” of two well known magazines – Travel + Leisure and Conde Nest Traveler – Seattle offers many different unique experiences for the individual that enjoys traveling. Seattle is often referred to as a “Metro-natural” region. This means that it has all the characteristics that are associated with a metropolis that is considered to be “world-class”, while surrounded by geographically beautiful surroundings. If you plan on traveling to this region, you will discover many expensive hotel accommodations. In this guide, you will learn that there are many benefits associated with choosing inexpensive hotels in Seattle.

Safety- One of the first benefits associated with cheap hotels in Seattle is the fact that they are typically quite safe. It is often challenging to find inexpensive accommodations that are located in the midst of the hustle and bustle of downtown Seattle. In areas where higher costing hotel accommodations are located, it is common for crime rates to be quite high. Downtown Seattle is close to great attractions like Pike Place Market and the Space Needle. In regions of Seattle where the hotels are cheaper, there are typically fewer people which means that are smaller crime rates. If you are traveling to Seattle for the first time, or have been several times and are not familiar with the area, it is often best to choose among the cheap hotels because they are typically much safer.

One of a Kind Customer Service -In a Metronatural location such as Seattle, it is often challenging to receive one of a kind customer service. This is especially true when it comes to large chain, expensive hotels. These hotels are typically so crowded and busy that it is often challenging to individuals that work at these businesses to provide individualized customer service that makes for a memorable travel experience. If you stay at one of the Seattle cheap hotels, you are sure to find that the individuals that work within these businesses are friendlier and have the capability to provide one on one individualized customer service that will assist in making your trip to the City of Seattle memorable. The city of Seattle is a tourist mecca, and because of this hotels are used to providing top customer service!

Services- It is common for large chain, expensive hotels to provide many different services such as laundry services, maid services, room service, wake up calls, exercise facilities, swimming pools, and various other types of services. However, you must understand that you typically pay for these services in the total amount that you pay for your travel accommodations. By choosing one of the Seattle cheap hotels, you will find that there are services that are offered, but at a higher discount. Many inexpensive chains combine services in order to assist guests in saving money. When you travel to Seattle, it is important to consider what services that you truly need and want. You will often discover that those that are associated with cheaper hotels are quite sufficient. If you want to save money, or even have more money to spend on your trip to the City of Seattle, it is best to opt for one of the many inexpensive hotels in and around the city.