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Travel Insurance: Sun, Sand and Sickness

Travel Insurance: Sun, Sand and Sickness

Travel insurance is probably one of the most confusing types of insurance around. Numerous clauses, sub-clauses and a myriad of little stipulations make for a very complicated policy, which nevertheless is very important for any holiday-maker.

People going on holiday tend to adopt an ‘it won’t happen to me’ attitude and, hopefully, it won’t. But nobody is immune to ill-health or robbery, and baggage loss can happen to the best of us. So, for sheer peace of mind, it’s worth looking into travel insurance when booking your trip.

The medical aspect of a travel insurance policy is probably the most important and the most needed. Far more people fall ill abroad than you’d think, and the cost of OTC medication can be extortionate abroad as well as at home. Even contracting a simple stomach bug can cost you dearly. And if you need to be hospitalised in a foreign country, you could find yourself deeply out of pocket – most countries don’t have an equivalent to the NHS.

It’s important to remember that most travel insurance policies won’t cover you for any problems related to pre-existing conditions such as diabetes, heart disease or cancer, especially if you haven’t mentioned these to your insurer when taking out the policy. Like any other type of insurance, omitting details on application can result in claims being refused, so make sure you tell them everything. This also goes for any dependents who are travelling with you; their medical history needs to be disclosed, but if the holiday is cut short because of a pre-existing condition it’s unlikely you’ll be reimbursed. Pregnancy, although technically a pre-existing condition, will normally be covered as long as you will be less than 28 weeks pregnant by the end of your trip (24 weeks for a multiple pregnancy). This restriction can vary between insurers, so always check your policy.

If you lose your possessions on holiday, your insurer will normally only pay out if you had taken reasonable care of them; if you had left them unattended you will be seen as negligent and claims will normally be refused. Likewise, if you leave any valuables unattended in your hotel room, vehicle or mobile home, and they are stolen, you may not be able to claim. If possible, keep your valuables in a room or hotel safe, or keep them on your person.

If your holiday has to be cancelled, there are some situations you will not be covered for. If you cancel simply because you decide not to go, for example because of a relationship break-up, you won’t be refunded. If your holiday is cancelled by the hotel, or if you have an accident or unforeseen emergency at home, most insurers will refund the costs you have paid so far, plus any cancellation fees due. Again, check your policy first to see what is and isn’t covered.

When you look for a travel insurance policy, don’t just go on price alone. Annual travel insurance may work out cheaper, but …

Usa Tours – Sun, Sand & Disneyland!

Usa Tours – Sun, Sand & Disneyland!

USA is a complete travel destination with something for everyone. If you thought USA was only about skyscrapers, industries and a fast and modern lifestyle, think again. In addition to these attractions, USA tours also involve nature, wildlife, fun and frolic. The capital of USA is Washington D.C. It is a vital part of many cheap USA tours. Also, the rise of low cost airlines has also made it possible for people to enjoy cheap USA tours and cheap New York packages.

New York is very popular among tourists for its urban culture. It also has the distinction of being USA’s largest city and one of the fashion capitals of the world and is quite and expensive place according to most world travel guide. This is the reason people opt for cheap New York packages. Among New York’s prime attractions are Central Park, Statue of Liberty, Times Square, Empire State Building, and the Metropolitan Museum of Art, to name a few.

USA tours are incomplete without a visit to Florida – one of America’s most loved tourist destinations. Florida is home to fabulous beaches and also cities like Miami and Orlando. Miami international flights are conducted by several airlines of the world. The airport serving the city is known as Miami International Airport. It is here that all Miami international flights land. Apart from Sun and sand, there is also Disneyland to enjoy in Florida. The original Disneyland is in California. The one in Orlando is known as Disney World, which houses theme parks, water parks, resorts and restaurants. Indeed, it is the dream of many, especially children to visit this land of limitless fun!

Many world travel guides also recommend USA tours for movie buffs. Hollywood in Los Angeles, USA, is where all the incredible Hollywood films are made. A large number of premiers and ward shows like the upcoming Academy Awards 2008, are held in Hollywood each year. Like every year, the Academy Awards 2008 will be held in the Kodak Theatre of Hollywood. Apart from Hollywood, LA plays host to the rich and famous and is known for its luxurious residences. Some of the places to watch out for while in Hollywood include Grauman’s Chinese Theater, Ripley’s Believe it or Not, Hollywood Wax Museum, Walk of Fame, and the like.

San Francisco is another attraction in California and several tourists come here to see the Golden Gate Bridge. This photogenic city has lots more to discover like Palace of Fine Arts, Coit Tower, Treasure Island, San Francisco Zoo, Golden Gate Park, Alcatraz Island, Alamo Square Park, and Fisherman’s Wharf, to name a few. Another city not to be missed while enjoying USA tours include Las Vegas in the state of Nevada. Many world travel guides regard it as the entertainment capital of the world. And indeed, it is. There are lots to places to gamble at and several shows with interesting themes to watch out for. Casinos are as common as water in Las Vegas. The Bellagio …