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Archive for July, 2009

Tue
28
Jul '09

Travel Insurance: Travel Far and Feel Safe




To travel is the nature of human being and it takes heart, mind and money to make a plan to travel. These days so many companies are offering various attractive traveling schemes and packages for splendid destinations all over the world. Now people are traveling around the world in less money and time. But certain small incidents may result in inconvenience while you are on a trip. You can use travel insurance to avoid such inconveniences so that you can enjoy your trip in full.

Generally saying, travel insurance is the insurance to cover problems associated with traveling, generally including trip cancellation due to some illness, lost luggage, baggage delay and other such incidents. The facility is committed to protect all aspects of your any trip and you can feel free from any kind of travel related worry.

You can choose several types of travel insurance according to your need depending on the type of trip and length of stay. The most common is type may be trip cancellation or Interruption coverage. These policies cover trip cancellations due to weather, sudden illness or death, emergency military duty, and bankruptcy of airline or cruise line prior to departure. Many also include terrorism insurance that reimburses your expenses in the event when your country issues a travel warning advising not to travel within a given country for a period of time.

Another common type of travel insurance is for medical emergencies which is useful for individuals with a chronic illness that might require medical help at some point during the trip. These policies will reimburse you for the cost of doctor visits or medication. Apart from these two you also can be covered in the event of unforeseeable trip related expenses such as lost, stolen or damaged baggage or travel documents and baggage delay.

So, next time if plan a tour make sure that you opt for travel insurance. This is beneficial for you, your family and the overall trip.


Sat
25
Jul '09

Cheap Air Travel Tips




The era of airline travel has allowed us to travel the world and connect in ways that have never existed before. We can visit family overseas and travel anywhere in the world within 24 hours. Isn’t that amazing?



With all this ability to travel, we are also faced with the expense of such travel.

For the many who would like to find cheap air travel, we’ve put together the follwing tips.

The first thing you need to know is that you never need to pay ‘list price’. Airlines have many tiers of pricing, and the same seat can sell for prices differing in the hundreds of dollars, depending on where, when and how it is purchased. Ask the Professionals: Your first step would be to ask your travel agent for advice on when to purchase airline tickets. He or she will be able to give you some guidance as to which airlines offer discounts and when. For instance, some airlines offer ‘earlybird’ pricing, and some also drop their prices as the trip date gets closer if no one has purchased the seat. Get a Promotion: If a scheduled flight is full to capacity or overbooked, some airlines will offer complimentary upgrades in seat class to selected passengers. Although this is less common than it used to be, it still happens occasionally. Your best shot at being selected for such an upgrade is to arrive for your flight dressed in a clean-cut, professional manner, and to be polite. You can even try asking at the check-in counter if there is any chance you can get an upgrade – they may offer it to you if such a perk is available, or may offer it at a lesser price than you would have paid when booking. Success will depend on many factors, such as the mood and authority level of the ticket attendant and the way you ask for it. Note that they may also need to move passengers around for weight-and-balance purposes and can offer a better seat to assist in this process – you never get anything if you don’t at least ask! Also, you can sometimes get a free or discounted flight by being on an ‘overbooked’ flight and being willing to wait until the next one can be arranged for you, but this is not something you have any control over. Flexibility: Are you flexible in your travel times or dates? By going ’standby’ on an airline, you can hang out and wait until a seat becomes free or someone cancels, and can often get cheaper last-minute tickets. ‘Pre-owned’ Tickets: For an array of reasons, people buy tickets and their plans change. When those tickets are non-refundable, they may try and sell them to receive at least some of their money back. This is good news for you, as you can take advantage of some discounted prices (remember, if they don’t sell their tickets they get nothing, so anything they can recover is of help to them). On-sale airline tickets can be found many places, such as your local classifieds, craigslist, kijiji or backpage or other online classifieds, and auctions such as ebay. Try google as well to search.



For even more money-saving travel tips, be sure to get your copy of the Travel industry Secrets guide found at Travel-like-a-pro.com — the guide can save you money on ALL your travel expenses from now on!


Mon
20
Jul '09

Insurance Companies- Health Insurance & Travel Insurance in India




Every Individual cares for saving money while yearning for alternatives in investing. In Some investment forms, tax-saving doesn’t compliment with Investment. The purpose of investment is to extract profits in due course of time. The mindset of any small time or big investor is always making handsome profits in short span of time. However there are others who think that long term investments can benefit them financially and mentally by giving them peace of mind so they are always open to suggestive options. One of such suggestive investment option is putting money in Insurance. There are basically two types of insurance; Life Insurance and General Insurance.

General Insurance in developing countries has huge potential because population at large needs to be covered. So we can now find several companies entering insurance arena to fulfill the requirements of masses. The major hindrance in this is creating market awareness about the product and its customized benefits to the individual or family.

India is one of the fastest developing countries in terms of Insurance services. There are numerous companies in India that provides Insurance products some of them are ICICI Lombard, Bajaj Allianz ,Tata Aig, Reliance General and others.

Some of the popular Insurance products that are available in the market are: Health Guard Health Insurance , Travel Companion, Health advantage Plus, Family floater plans, Student Companion,  Reliance health wise policy, Travel care policy, Tata Aig Maharaksha.

For non-tangible assets we can find few MNC’s as well as PSU that provide such type of insurance some of them are LIC, ICICI Prudential, Bharti Axa and others.

Of all the above products health insurance is the most sought after product due to sky rocketing expenses for health related treatments. Again while considering health insurance we should be aware of the company that provides right kind of policy with minimum premium. There is a catch and that being some companies promote their products without highlighting the riders which people may not know while buying policy.  So it is better to visit the official website of such companies rather than depending on multi-insurance provider agencies.


Sun
19
Jul '09

Cruising Tips To Keep You Healthy




Here are some ideas related to your health for you to consider before you take your cruise.

Some areas of the world are still prone to illnesses that we haven’t seen in years. Check with your cruise line to see if you will require any specific vaccinations prior to your cruise. Make an appointment to see your personal physician if you need any.

Make sure that you have plenty of your prescription medications with you. It is recommended that you take a few extra pills over the number you will need for the duration of your cruise. It is also recommended that you get a letter from your physician on his or her letterhead stating the medications that are prescribed for you. This may help you go more quickly through customs. Ask you physician for a recommendation for seasickness remedies, just in case.

When you make reservations with your cruise line tell them if you are in need of any type of specific diet. They can generally accommodate most requests.

Even though most of your needs can be purchased on the cruise boat, it’s easier, and cheaper, to pack some of your own. Pack aspirin, antacids and anti-diarrhea medications. Don’t forget your daily vitamins or any other daily supplement you may take. Make yourself a first aid kit with band aids and antibiotic cream in case of cuts.

Make sure you have sunscreen with you with an SPF of at least 30. Once you get the first hints of a tan you can lower your SPF protection. The last thing you want to do is ruin your precious vacation with a bad sunburn. Remember to put on your sunscreen heavily, and at least 15 minutes before you go into the sun. If you spend time in the pool make sure that you re-apply it according to the manufacturers instructions.

Pack a hat to help further protect yourself from the sun, which you will find much stronger the farther south you cruise. Also, don’t forget your sunglasses with a strong UV protection. You need to protect your eyes too


Sat
18
Jul '09

Top Ten Travel Tips




Have you ever experienced a serious disaster whilst on holiday? If not, it’s merely a matter of time. It has been said there are two kinds of travellers, those that have experienced a problem holiday and those that are still going to.

Tasked with identifying the top ten travel tips immediately got my mind going but an idea soon took shape. Why not use the experiences of the professionals, ask them to identify the more common causes of problems when travelling. Unbeknown to me this certainly dropped the cat amongst the pigeons, largely because limiting this to only ten became a problem, thank you so much to all those who were a part of the panel.

One of the most common problems and a unanimous choice of the panel were problems surrounding logistical arrangements. Largely related to reservations; dates and ticketing, these can be problematic despite the ease and simplicity of the internet. It is imperative when planning any holiday to any destination that all bookings are made well in advance, followed up either by e-mail or telephone a few days before your departure and still in time to rectify problems if discovered. After this has been done, prevent further problems by ensuring you have proof in the form of copies of any relevant document or reference number, this could be a receipt confirmation of a deposit paid or any item depending on your personal arrangements. This is one of those suggestions where prevention is definitely far better than cure.

Our second tip is all encompassing and covers the packing of essential items. Obviously these items might vary according to your personal plans but would perhaps include items such as passports and ID documents; applicable drivers licences; money – credit cards, wallets and other financial needs; mobile phones and camera’s, (get with it, preferably digital) are essential items nowadays, together with supporting items such as chargers and memory cards. On my personal list are always sunglasses, activity equipment, a few books, a pack of cards, a multi-purpose pocket knife and other smaller items or games which always come in handy.

How are we doing so far, the bottom line is that with tip numbers one and two you can go almost anywhere in the world and if you have forgotten anything else you can purchase them en route.

Tip number three is so absolutely boring you might well stop reading at this point but it remains one of the most common causes of holidays being cancelled. Before you leave home ensure that all domestic matters are resolved and tucked in to bed. These will again vary but will certainly surround adequate locking up and security issues; paying all accounts, in particular municipal services; cancelling any deliveries; ensuring access is available to a trusted friend or relative in the event of a fire or emergency; ensuring pets are adequately cared for and that someone responsible is able to contact you in the case of emergency during your holiday. Yes…boring….but oh so often the cause of having to either come back early or returning to face a smelly deep freeze or worse.

The basics are covered and now we can move onto the fun part, tip number four surrounds choosing the right holiday for your needs and enjoyment. To haul three children under ten years old to a game reserve for ten days will stretch your patience and theirs, you might enjoy spending half an hour looking at a bird or waiting for an Elephant to come to a waterhole while sipping a Chardonnay, they certainly wouldn’t. If you have had a really stressful year and are going on holiday for a time out, a few days in London followed by a few in Rome and a low cost flight via Moscow to save a few cents would mean lots of flights; too many airports and complicated transit arrangements. Our panel suggests taking a few extra minutes to analyse the real needs of all travelling partners before selecting your holiday destination.

You have analysed your own needs and decided on let’s say a scuba diving holiday as an example. Tip number five stays with destination choice and is all about research. That’s easy I hear you saying, once you’ve decided what type of holiday you want. However, you could also end up on a scuba diving holiday in monsoon season, perhaps to a great destination at most times of the year but in the month you have chosen, it’s infested with mosquito’s and a temperature of 45 degrees, is that what you wanted.

Perhaps you might be looking for a quiet and romantic getaway and choose a week in a Spanish seaside village only to find out it clashes with a local political election and the local school holidays. Time researching local conditions is well spent, beware particularly of special offers or discounts, these are usually offered for a reason and often due to seasonality or other sub-optimal characteristics of the destination at the time the offer applies. This same principle applies to discounted flights and packages, it’s important to be fully aware of which items and costs are included and not included in the price.

How far have we gone so far, in summary we have the logistics and essential equipment under control, chosen a stunning destination to ensure our needs are covered and we have selected the dates to suit the destination characteristics.

Tip number six is about the modern day wonder of the travellers’ world. You guessed it, the internet. This modern tool enables you to ensure you are fully au fait with all and any information you might need. From disco’s to dive centres, museums to mausoleums, cathedrals to camping grounds, the information is easily available to you from the comfort of your home; office or failing which, an internet café. Referring back to our Spanish village, if you want to know the history, what to see and do while you’re there, the internet provides this service. Even once you’re there, if you want to send pics and news to someone at home, the internet has really made this simple. I read recently that in excess of 70% of all travel arrangements are now made on-line, wow, that is an awesome number and it is no doubt climbing, not without reason.

A list of top ten tips would definitely be incomplete without a reference to the importance of adequate packing. Notice we say adequate as it does vary according to destination and travel method. A car trip to Port Alfred with a trailer and roof rack is a far different scenario than a flight to London. Tip number seven is to pack early; to pack correctly and most of all to pack according to a well prepared list. One often makes the mistake of packing too much, leaving little room for error and no space to include a few souvenirs or that tee-shirt that looked so good in the market. On a personal note our family has a rule, what you pack you carry; this has a fantastic effect of ensuring no one packs without a plan.

The boring battle of the budget. We all have dream destinations we hope to get to one day; this is unfortunately not a reality for most of us. Tip number eight is to ensure you remain within your personal limits of expenditure. Interest rates are high and could get higher; credit offered by banks can be easily obtained by utilising the credit card options so often available. You don’t want to spend the year after your holiday stressed out about how you’re going to pay it back during the rest of the year. Plan adequately before and during your holiday. Whilst it’s certainly fun to spoil yourselves during a holiday, we suggest you allocate a daily allowance to each person and to the whole group; this will certainly help control costs, particularly in an international destination when one is not fully conversant, it can come back and bite quite hard.

The members of our panel are all seasoned travellers, local and overseas. In conversation we certainly learned that all had on occasion bumped their heads or made often silly mistakes. Our unanimous tip number nine is to enjoy South Africa. As residents of this beautiful country we are all absolutely blessed to live within a reasonable distance from either a beach; lake; mountain; game reserve or whatever it might be that appeals to your family. Too often we feel the need to travel far and wide when it’s all on our doorstep. We might travel to an exotic dive destination but haven’t yet experienced Aliwal Shoal; sit on a Mauritian Beach when our coast offers some of the most beautiful beaches in the world, perhaps even camping in France when you’ve never been to the Drakensberg or Clarens.

It might be a cliché but we really do have it all in one country. We certainly hope that our leaders will take every action to ensure that it stays that way. We in turn need to appreciate it and invest in local tourism and the job creation it offers. Our panel felt that we need to market ourselves as a destination a little better than we do, encouraging local travellers that Cairo is perhaps not always better than Cape Town. Local is lekker, it has its place alongside braaivleis, biltong, sunny skies and all the rest.

This might be our last tip of the ten we were confined to but it is the simplest and most important – have fun! You’ve worked hard, you deserve your holiday, please don’t forget to enjoy it. In most cases when on holiday, one is surrounded by those your love the most, those dearest and closest.

What an absolute blessing to be able to spend quality time in a holiday destination with those you love.