There are a lot of misconceptions related to travel insurance, and understandably most people arent as well versed in the fine details of travel insurance as I am I cant say that I blame them! However, many misconceptions put people at risk of spending unnecessary amounts of money on areas that could and should be covered by their travel insurance policy.So, Ive compiled this mini travel insurance FAQ to assist those who have doubts, worries or questions about travel insurance.Q: What should I do before going abroad?A: Make sure you have adequate travel insurance and that you have checked the FCO Travel Advice for the countries you are visiting. Check you have sufficient money and that your passport is up-to-date. Take a photocopy of your passport details and keep in a safe place. Check what inoculations and visas are required. Note down the numbers and addresses of the UK embassy and consulate in the country youre traveling to.Q: Should I take out travel insurance before my holiday?A: I may be a little biased on this one, but yes! It is extremely important that you take out adequate travel insurance even for short trips or visits to Europe, and absolutely imperative in countries outside the EU where different conditions make illness more likely and affordable medical cover that bit more difficult to get hold of. It also covers for cancellation as soon as you book your trip.If you travel to a country, or part of a country, against FCO advice, it is unlikely that your insurer would meet any claim, however. Should the FCO advice change after you have booked a holiday, check the position with your tour operator and travel insurance company.Q: Should I be looking at single trip or annual multi trip travel insurance?A: Only you can answer that really although single trip insurance is (generally) cheaper, it does exactly what it says and covers you for just the one trip. By contrast, "annual multi trip travel insurance" will cover you for the whole year on various breaks, making it the choice if you think youre likely to travel that much. You may find that just taking two trips a year would make annual multi trip travel insurance cheaper than the single trip variety!Q: What sort of reason for cancellation is valid to ensure cover from travel insurance?A: As long as your reason is within the scope of cover provided by your insurance, then you should be entitled to claim in most cases. Legitimate reasons for canceling your trip could include an illness or death in the family (as defined by your policy), freak weather conditions suspending travel for 24 hours, burglary or damage to your home, being a victim of criminal assault resulting in you being medically unable to travel, being called up for emergency military service or jury duty (subject to the specific terms and conditions of the policy). Likewise, if the hotel or resort (for independent travelers) youre due to visit suffers from a terrorist attack in the days leading up to your travel, you will generally be able to claim.Q: Who pays if I need to be hospitalized overseas or flown back to the UK?A: If you have proper travel insurance, the insurance company should pay such fees. If not, the cost will fall to you or your relatives and friends.Q: Is a European Health Insurance Card (EHIC) the same as health insurance?A: No. The free European Health Insurance Card (EHIC) shows that the holder is entitled to reduced or free emergency care only within the EU. You will still need travel insurance to ensure you will be covered fully in the event of illness or injury. The EHIC card will help though, by reducing your initial outlay before you can be reimbursed by your travel insurance company.Q: Is my pre existing medical condition a big issue?A: Generally, yes. Check the wording of your policy to ensure it covers pre-existing medical conditions. Often theyre not covered unless you pay an extra premium, and if you fail to declare your condition when you buy the travel insurance, youll be unable to claim on it. As always the key advice here is to check the policy wording with a fine tooth comb.Q: How can I find out whether it is safe to travel to a particular country?A: It is strongly advised that you check the FCO Travel Advice section of their website (fto.gov.uk). This information is regularly updated and should give you solid advice on where is and is not safe to travel (remember, areas officially outlined as unsafe will seldom be covered by travel insurance policies).Q: Is it safe to travel after a terrorist attack overseas?A: Unfortunately, there is no such thing as risk-free travel, and the absence of advice against travel to a particular country or area does not imply that the FCO guarantees safety in that country or area.I hope this travel insurance FAQ has proved useful its only really scratching the service and each policy is different, but with this advice you should be in a better position to shop around, next time you need to purchase travel insurance.
Cheap vacations aim at optimizing the cost without compromising on the quality and variety. It requires some smart planning to have a memorable cheap vacation. Some of the points one has to bear in mind are discussed here.Most of us are obsessed with putting up in costly lodgings without realizing the fact that during a vacation in a foreign place you tend to spend more time in outdoors enjoying the nature and the heritage points . A moderate economy accommodation would be sufficient for the purpose. The next point to be borne in mind should you plan for a cheap vacation is the food and the restaurant. One is well advised to take into confidence the locals to have a first hand feed back of the cheap and best hotels in the locality and make use of the facility. planning the travel well in advance and taking advantage of the off season or the early bird offers is best suited for a cheap vacation planning .One another consideration should be seeking any un availed time share accommodation of friends or relatives or even offered at cheaper rates on classifieds. Cheap vacations are best made as all inclusive vacations right from Flight tickets, conducted tours, lodging, and other reservations would be covered by the tour operators in such a package, and one has just to choose the suitable one for his taste and desire.Cheap vacations are made wonderful by home exchange which is not something really new. In exchanging the houses for vacations you are not only having a wonderful vacation at low cost but also make many friends over a period of time. The homely atmosphere and the complete briefing by your counter part makes the holiday easy and relaxed.
Dubai is a celebrated, rich and famous land. So is Burj Al Arab, the world's tallest and most lavish hotel on its soil. Both are unparalleled leaders in their own spheres. If Dubai is the monarch of free-trade and infrastructure in the new millennium, then so is Burj Al Arab the lord of hotel industry. They both are unconquered celebrities. One provides the entire world an opportunity to be successful. While the other, one of the best architectural wonders of all times, displays its grandeur and artistry at the Gulf sea coast.Measuring 321 m above the seabed, where it was constructed on a small man-made island, the hotel is arguably a very mammoth structure. The bellowing-sail that it looks like as was the brainchild of the UK based construction giant, WS Atkins, who are well known for taking up similar feats elsewhere in the world. They have been actively providing planning, designing, engineering, project management and consulting services since 1938, when Sir William Atkins had laid their foundation. Burj Al Arab is one of the most ambitious projects they have undertaken until now.If you look from the hotel management viewpoint, running Burj Al Arab is a daunting task. Substantial manpower and planning are required to look after the lavishly built 202 lavish hotel rooms on 60 floors. These are no ordinary dwellings anyway. They are a part of one of the best hotel accommodations made available ever. If you were to fly in from a western location such as the USA, it won't be a pleasing experience at first, stepping out in the heat of Dubai. However, driving across the sandy landscape and looking at the magnificence of Burj Al Arab from your Rolls Royce is enhancing. The romance of traveling starts making beats from hereon.Inside the hotel, you will experience an unbound colourfulness overwhelming you. There is so much of gold splattered all around, that you might begin believing Dubai was the sole owner of all the gold artifacts on earth. They have a caring staff looking after each of your needs from the moment you have checked in there, which indicates the high standards of service they are looking forward to offer. There are separate check-in counters on each of those 60 lavish floors, thus providing their customers with unparalleled freedom.And these living spaces are not just like what you will find at any other five or even six star hotels. The smallest one occupies an area of 169 square metres (1,819 square feet), and the largest one covers 780 square metres (8,396 square feet). The cost of staying in these heavenly suits is equally staggering. You will need to cough out anything from $1K to over $15K per night. Still more expensive are the Royal Suites, which cost you 28K per night. The total expense in making of the hotel was never made public by the owners. It has remained a guarded secret until this date.Burj Al Arab is without doubt the lord of the Arabian skies, and one of the best attraction in this part of the world for the travellers to experience. It also symbolizes Dubai's quest for more wealth and advancement. The quest that the outside world would love to be part of. Also hidden beneath is Dubai's desire of being an admired host. A host who could be seen draped in ethnic Arabian values and western influences, both at the same time. From commoners to celebrities, all have experienced this great fusion of cultural diversities. Hope you also get to have a glimpse of the same in the very near future.
If you are planning to travel to Tuscany, Italy, on holiday then you will have a very pleasant vacation experience ahead of you. This is a popular destination in Europe with plenty in terms of natural beauty as well as attractions and entertainment, and the ideal way to make the most of your time in Tuscany is by opting for one of the holiday villas in Tuscany, which are available in the various parts of the region. Tuscany vacation rentals are a popular choice amongst those visiting this area, as they offer affordable luxury that is ideal for a family vacation. Tuscany villas rental costs can vary depending on the type of villa you opt for, and there is plenty of choice when it comes to finding your holiday home in Tuscany. You can get your Tuscany villa in one of many areas in the region, so you can enjoy being conveniently located close to the areas you want to enjoy. With a luxury villa in Tuscany you can relax in style and comfort, with the ideal base from which to explore the area and enjoy all the beauty, attractions, and entertainment that is on offer. Holiday villas in Tuscany offer a range of facilities and amenitiesWhen you opt for one of the holiday villas in Tuscany you will find a range of amenities and facilities on offer, which can vary depending on your budget. This can include everything from a private swimming pool to staff services, so you can enjoy the ultimate in luxury with some of these villas. A vacation in Tuscany is one that you will be thrilled with thanks to the beauty, history, and culture that can be found in this area, and being able to relax in your own villa will make your time here even more special and memorable. You will enjoy the benefits of plenty of space with your own villa, so you and your loved ones can relax without having to put up with other visitors and tourists as you would in a hotel. Having your villa in Tuscany also means that you can enjoy complete privacy yet enjoy being close to all the areas of interest.Choose a holiday home in a range of areas in TuscanyThere are many beautiful and fascinating areas in Tuscany, some of which include Siena, Pisa, and Florence, as well as the Chianti wine region, Maremma, and others. You can enjoy a choice of villas in and around these areas, putting you within easy reach of the attractions and sites and enabling you to enjoy affordable luxury in convenient and beautiful surroundings. You will be surprised at just how affordable a villa in Tuscany can be, even with the more luxurious villas. This is particularly true if you are travelling as part of a larger group or family as it means you wont have to pay for separate rooms and can enjoy plenty of space and luxury for everyone.
Now, lets talk about a great vacation for an adventure lover. Anyone who loves to have a good time in the great outdoors would really love to raft the New River in Fayetteville, West Virginia. There are many other activities like rock climbing, bungee jumping, camping, hiking, and more in and around the area, but whitewater rafting is one of the most popular.The New and Gauley Rivers really are big and powerful, sometimes more powerful than others, and each have their own benefits and drawbacks for rafters. There are certain times of the year when the rivers are calmer than others and other times when the rafting is downright dangerous. Knowing when these seasons are and your rafting skill level is important to determine when to schedule your vacation. Also, the age of all rafters should be taken into consideration as well. There are rafting experiences that are mild, exciting, world class, and extreme. The minimum age for the mild rafting is six years, 12 years for the exciting, 16 years for the world class, and 18 years for the extreme rafting.There is rafting all year round, but clothing requirements are very different depending on the weather. In the winter wetsuits should be worn, the summer a t-shirt or bathing suit is fine, and the spring and fall you should wear synthetic fabrics and wool socks to keep your feet warm. Dont wear cotton if its cold because it will make you colder. Remember that no matter whether it is raining or the sun is shining rafting will go on. You will get wet anyway so it doesnt matter! Never take anything with you rafting that cant get wet, because it will for sure!Prices for rafting the New and Gauley Rivers depends on when you raft. Weekday prices are cheaper than weekends and certain seasons, as well as rivers, are more expensive than others. Rafting trips come with all necessary gear, although your clothes, shoes, sunglasses, sunscreen, and hats are your own responsibility. Package trips that include showers, cabins, camping, and breakfast may also be purchased.The best time to go if you dont like being cold is during the summer months. Of course, if you really like a challenge then you might like the fall or spring when the rapids are bigger and faster and provide a more challenging trip. It really is up to you! One thing is for sure and that is when you raft the New or Gauley Rivers, or both, you will have an experience of a lifetime.There is a website that has great information on USA Vacations and Unique Travel Spots Listed State By State and Season, the website is called: Seasonal Vacation Spots, and can be found at this url:http://www.seasonalvacationspots.comBy Robert W. BenjaminCopyright 2007 You may publish this article in your ezine, newsletter, or on your web site as long as it is reprinted in its entirety and without modification except for formatting needs or grammar corrections.