Ski Travel Insurance

Insuremore Warn Credit Crunched Skiers Not to Scrimp on Travel Insurance this Winter

With people accepting the UK is entering a full blown recession, many families will be looking to save wherever they can, but cheap travel insurance won't always cut it if you're taking a winter sports holiday soon. Insuremore offer cheap ski travel insurance that will cover you against the worst, without your wallet feeling the strain. For more information, visit http://insuremore.co.uk/?page_id=ski-travel-insurance

London, UK (PRWEB) December 17, 2008 -- With the belt tightening that comes with a recession many families will be wanting to ensure they save money wherever they can, but if you're planning on heading on a skiing holiday this winter you need to be sure you get the right travel insurance, Insure more have warned. The cheap travel insurance company know all about the small print that consumers can fall foul of, and know that high risk activity policies like skiing insurance are particularly specific.

"Most consumers will realize that getting their travel insurance from their holiday provider is rarely the cheapest, but there are many pitfalls holidaymakers can be tripped up by if not fully prepped," said Patrick Chong, the Managing Director of Insure more. "First of all, standard cheap travel insurance rarely covers risk activities like skiing, so make sure you're clear about what you need cover against when you're buying- it's too late when you get around to making a claim. Secondly, cheap ski travel insurance often cuts corners, and you may find that not everything you need is covered - for example you might find that your equipment won't be protected against loss or damage. Read the policy carefully and make sure all eventualities are covered - and if they're not, don't be afraid to ask for it to be included or to shop around for a better deal," he added.

Nation's Largest Travel Insurance Provider Suggests Tips and Strategies to Survive Holiday Travel

 Travel Smart: Protect Yourself During the Unpredictable Travel Season
STEVENS POINT, Wis., Dec 11, 2008 /PRNewswire via COMTEX/ --

Just in time for the holiday
season, Travel Guard  http://www.travelguard.com is offering useful tips to
help make your travel safe and less stressful.
"In a typical week during the winter holiday season, we can often get

15,000 to 20,000 calls from anxious travelers," said Dan McGinnity, Vice
President of Travel Guard. "Most are looking for confirmation that their
flights are on time; help to rebook flights that have been delayed or
cancelled; and assistance in tracking down lost luggage. We also help
travelers who lose their travel documents, have medical emergencies, or just
want a reservation for that 'hard to get into' restaurant while traveling.
Our job really is to make our customers travel as enjoyable and hassle-free as
possible."
Travel Guard's Holiday Travel Tips Include:

-- Ship Your Gifts. Travelers should not pack wrapped gifts or bring

wrapped gifts to the security checkpoint at the airport. The Transportation
Security Administration (TSA) may have to unwrap packages for security
reasons. Consider shipping holiday gifts to your destination ahead of time.
Travel Guard can help arrange for this.
-- Carry On Your Luggage. If you pack wisely and carry on your luggage,

you can save time checking in, avoid the check-bagged fees many airlines now
charge, and give yourself more flexibility for taking alternative flights if
yours is delayed or cancelled. Worried about all those holiday gifts you
planned to bring along? See tip 1 above!
-- Book Direct Flights Departing as Early as Possible. Many of the

headaches travelers experience during the holidays occur from missed
connections, the need to rebook flights, or getting stuck in a strange city.
Preserve your sanity by booking direct flights whenever possible, and book the
earliest departing flight you can.
-- Be Flexible with Your Travel Dates. The busiest (and most expensive)

days to travel by air are the day before and the day after a holiday. To
avoid the crowds and get a better price, consider leaving earlier and
returning a day or two later.
-- Get to The Airport Early. With airport delays and holiday crowds, plan

to arrive at the airports at least two hours before your departure time for
both outbound and inbound trips. Check out TSA's website, waittime.tsa.dhs.gov
to get information on waiting times for security checkpoints at all airports.
-- Bring Your Numbers. Bring the phone numbers of your travel agent and

the travel assistance hotline of your travel insurance plan provider. This can
be a real lifeline if you experience unpredictable situations such as flight
delays, cancellations and over-booked flights, etc.
-- If Your Flight Is Can celled: Immediately call your travel agency's 24/7

emergency travel service to get assistance in rebooking your flight. Travel
Guard is one of the few travel insurance plan providers that also offers this
service to its clients. You'll get rebooked a lot more quickly than if you
wait in line at the airline counter. Plus, you can get help with lodging and
ground transportation if the next available flight requires an overnight stay.
-- Don't Forget the Travel Insurance. "Things can and do happen that can

force you to either cancel or interrupt your trip," said McGinnity. "A travel
insurance plan can cover your holiday travel investment, and also provide you
with 24/7 assistance for virtually any situation you may encounter. It could
be the most useful item you pack for your holiday travels."
Travel Guard offers a number of comprehensive travel insurance plans that

provide reimbursement for trip cancellation, interruption, as well as delays
due to covered reasons, lost, stolen or delayed baggage, and emergency medical
expenses, including medical evacuation. Most of these plans also include a
full range of personal and travel assistance services that customers can
access before and during their trip.
The complete family of travel insurance and assistance service plans

available through Travel Guard can be purchased online at
http://www.travelguard.com, through Travel Guard's 24-hour World Service
Center (800-826-1300), or from one of the more than 12,000 travel agencies who
offer the travel insurance plans available through Travel Guard.
About Travel Guard

Travel Guard Group, Inc. ("Travel Guard") (http//: www.travelguard.com) is

one of America's leading providers of travel insurance plans for more than 6
million travelers each year. Travel insurance plans through Travel Guard are
distributed by more than 12,000 travel agents across the United States.
Travel insurance plans through Travel Guard may include coverage for trip

cancellation, travel interruptions and delays, emergency medical expenses,
medical evacuation expenses, and lost or delayed baggage. Most plans also
include 24-hour travel assistance services* for emergency medical assistance,
last-minute or emergency travel changes, lost luggage tracking, pre-trip
travel advice, and more.
The travel insurance offered through Travel Guard is underwritten by

National Union Fire Insurance Company of Pittsburgh, Pa., with its principal
place of business in New York, N.Y. The policy will contain reductions,
limitations, exclusions, and termination provisions. All coverages may not
available in all states.

Older Holidaymakers

Senior citizens are one of the most likely groups to holiday abroad,
but it is also this group that can have the most difficulty in getting
an affordable deal on travel insurance.
There are insurance companies that specialise in providing cover for
the over 65’s, as well as a number of non-specialist policies available
that cater for the older traveler.
However, some insurers no longer offer multi-trip annual travel insurance
cover to older holiday makers, meaning that the older generation are
often excluded from the cheapest travel insurance options available.
There are now a range of providers that offer cheap travel insurance
for the older holidaymaker, however some customers still find
themselves having to pay much higher premiums for the chance to go
abroad due to the increased risks associated with their age group.
Because of the higher cover prices for their age group, many are tempted to make the trips without taking out travel insurance in order to avoid paying a high price for cover which may exclude existing medical conditions.
The stereotypical view that older holidaymakers have an increased
risk of falling ill or having an accident whilst on holiday makes it
difficult for the older traveler to find an affordable travel
insurance deal.
In the event of complications happening whilst on holiday, treatment
can be expensive – not too mention the costs involved when booking an
earlier flight home.
However, with a wider variety of specialist providers now offering
affordable deals, older holidaymakers now have more options when it
comes to selecting travel insurance for overseas excursions.

Canadian Travel Insurance

If you are a Canadian with Canadian travel insurance then you want to read this. When your traveling abroad keep in mind it is the unexpected situations we encounter that throw a wrench in to things that cause our vacation travel or business travel to take a bad turn. getting sick or injured is never something we expect or take into consideration. I can't imagine anything worse than being stuck in a place other than home when sick or injured. Below is a story I ran into while doing some research on travel problems abroad.

Feeling tired, Andrew Malleson told his wife he wasn't up to attending the lecture on medical ethics. He told her to go alone; he would rest on the bed in their Prague hotel room until she returned.

When he awoke, the room was spinning. Dr. Malleson made it to the bathroom, where he vomited blood. Then he crawled to the bedroom telephone, grasped the receiver and called the front desk for an ambulance.

"For a while, I was lying on the floor, thinking 'It's strange dying in a hotel in Prague. I wouldn't have imagined that,' " said Dr. Malleson, 77, who is now recuperating at his Toronto home. "I was quite sure this was the end of me."

By the time his wife, Donna Stewart, returned to their room, her husband was unconscious and awash in blood. Two ambulances, including a resuscitation unit, arrived around the same time to take the retired psychiatrist to hospital. There, doctors searched for the source of his bleeding.

Being in the Czech Republic with a life-threatening illness was frightening enough. What greatly added to the burden of the Sept. 23 emergency, Dr. Stewart said, was the insurance carrier Sun Life Financial Inc. and its service provider Europ Assistance USA.

For three weeks, Dr. Stewart would be embroiled in e-mails and telephone calls about her husband's health, at times smuggling her BlackBerry into the intensive-care unit to communicate with the insurer.

globeandmail.com: Prague medical misadventure a lesson in the pitfalls of travellers' insurance

Travelers and Storms

Travelers and storms don't always mix, you must keep a close watch

If your a traveler and planning a fall vacation in the Southern United States or Caribbean and you must keep a eye out for storms or bad weather, All travel experts verify this.
Hurricane season is here and will be until November. The experts in the travel business caution anyone heading into a tropical country to keep up on weather maps and cancellation clauses in fine print, USA Today said.
Most all the resorts have various ways to make up for vacations interrupted by  weather.
Walt Disney World resorts permit rescheduling or cancellation of packages without penalty though Nov. 30 if the National Hurricane Center issues a warning for the Orlando area. Same goes if a hurricane warning is issued for a guest's home area within a week of arrival.
If Super Clubs guests can't arrive because of a hurricane, they can reschedule or come for fewer nights and get a future stay equal to nights missed. Should a hurricane strike, guests are repaid for disrupted nights and get that number free on a future stay.
Priceline has a "Sunshine Guaranteed" policy for certain fall packages bought by Sept. 12. The dozen Caribbean Sandals Resorts and four Beaches Resorts require special insurance.
Some resorts, including Eden Rock on St. Barts and Hermitage Bay on Antigua, are closed during this month or time.
So while your making your plans top travel especially in the lower Southern United States or Caribbean, please keep a diligent watch on the weather and those resorts,clubs, and cruises. also keep and read the fine print on all the travel insurance papers.

Technorati Tags: Cheapest travel insurance,travel,storms and travel,resotrs,hurricanes,super clubs,vacation

Travel Insurance

Some times here at cheapest travel insurance I run across an article I think is important enough to share. It doesn’t make any difference whether you live in the UK, America or any other part of the world, the guidelines should be all the same. The most important thing is you can enjoy yourself, have a safe trip and do these things at the best price you can possible get.

Hopefully the article below can save you some time and give you a guideline on taking out travel insurance.

Taking out travel insurance is an important part of planning a trip abroad and will protect you against the cost of any unforeseen events.

The benefit of cover
A good travel insurance policy will ensure that any unexpected medical bills are paid and that you can get home in an emergency. Even routine surgery such as an appendectomy costs around £7,500 in Europe, according to insurer esure, increasing to £25,000 in some parts of America.

It may also meet the cost of new baggage if your luggage is lost or stolen, and compensate you if your trip is canceled, your travel delayed or you miss your departure.

Medical costs
You should take a European Health Insurance Card (EHIC) with you, but this shouldn't be relied upon exclusively in the event that you fall ill or suffer an accident abroad.

This pays for free medical treatment in EU countries, as well as Iceland, Liechtenstein and Norway, but it will only fund you up to the level of free treatment given to locals. You could find this is significantly less comprehensive than the NHS, leaving you with a big bill - and it won't cover the cost of repatriation.

Cost of cover
It's now cheaper and easier than ever to get travel insurance, with some single trip policies only costing around a fiver. But remember that cheapest is not necessarily best, as the cover might be inadequate and the service a little thin.

Start with price comparison sites, which give you a range of quotes to choose from with varying levels of cover for your situation. Check out moneysupermarket.com, Confused.com and guardian.co.uk's compare and buy service.
Buy your cover directly from the insurer rather than from a tour operator or travel agent. It will be cheaper, and if anything goes wrong you will have recourse to the Financial Ombudsman Service to claim compensation.

Factsheet: Travel insurance | Money | guardian.co.uk

Airline-sold travel insurance: what's it worth? - Tips- msnbc.com

People who never before considered travel insurance might look back on this turbulent summer as the one that pushed them over the edge.
And if you’ve shopped around for an airline ticket lately, you can’t help but have noticed that somewhere in the process your airline has offered to sell you what looks to be a fairly cheap travel insurance policy, usually for $9, $12, $15 or a similarly affordable amount, per trip.

Should you bite? Not until you read the policy carefully, and Airfarewatchdog.com has found that seeing a copy of the policy before you buy requires quite a bit of mouse-clicking.

Such as the 'Trip Protector' sold by Northwest, have one serious flaw: They don’t cover cancellation of your trip because of the airline’s financial default. Also, most don’t cover pre-existing medical conditions under any circumstances.

Some may not even cover airline-caused delays in their trip-interruption clauses.In any case, travel insurance, whether bought from an airline or online travel agency, or the insurer directly, often is less protective than it sounds.

Trip interruption, for example, is very narrowly defined. Usually, it covers only an interruption after your trip has begun, so if you’ve put down a $1,000 deposit for a trip and a month before departure the airline “interrupts” your plans by announcing that it no longer serves your origin or destination cities, then you’re on your own.

It's the same thing for trip cancellation: You can cancel your trip for a limited number of covered reasons, but if the airline cancels your route, that's not covered. An interesting loophole in one policy we saw: If a family member (say, your son) gets injured in an amateur sporting event (say, a football game) you won't be covered if you decide to cancel your trip.

Spirit Airlines, for example, sells insurance for $12 per domestic flight, which seems very reasonable. There’s one major problem, however: You’re not covered if Spirit should go belly-up.

Policies bought directly from insurance companies

Compare that with a policy bought directly from a major travel insurance company.
AIG Travel Guard's 'Essential' plan costs about $24, depending on various factors, for a typical domestic trip by air, but as with Spirit’s insurance, there’s no coverage for default. For that, you’d need to upgrade to an Essential Expanded policy, and then to abide by a "14 Day Wait" clause, which means that the airline would have to default more than 14 days after the date you’re your coverage went into effect.

For full default coverage with fewer (but by no means no) loopholes, you need to buy AIG Travel Guard's more expensive standard and then add an upgrade that includes coverage not only for situations in which the airline might suddenly disappear, but also acts of terrorism and pre-existing medical conditions.

The bottom line is that, to be really protected, a better insurance policy covering a typical trip by air — just the air travel portion, not hotels or a cruise — might cost more than $40. That's a far cry from Spirit’s $12, but look at the differences in the two policies.

Spirit's policy can be called, politely, minimal. There's a flat $300 for cancellation or interruption — read on, you'll see this is absurdly low — $500 for travel delays (doled out at amounts of up to $100 per day), a $500 reimbursement for loss of baggage or travel documents, and a $100 pay-out for baggage delay.

AIG's 'My Travel Guard' policy, on the other hand, covers the entire quoted trip cost in case of cancellation or interruption; $1,000 in case of stranding for return air; $500 for unreasonable delays (but a maximum of $100 per day); $10,000 for medical expenses in the case of accident or sickness; $100,000 for emergency evacuation and — how grim! — the repatriation of remains; $500 compensation for loss of baggage; and $100 for baggage delay. It also provides options to purchase a plethora of upgrades.

Airline-sold travel insurance: what's it worth? - Tips- msnbc.com

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Cheap Student Travel Insurance

Cheap student travel insurance is not a bad deal and with a little time and hard work you can save money and have a piece of mind. Travel insurance is easy to find online. Try to look at different websites to find the best deals. Cheap student travel insurance is not always the best insurance because it is the cheapest, although most will opt for it. Always check to see if you're covered for all possible risks or accidents.

Consumers can comparison shop for almost anything on the Web--from gourmet foods to cheap student travel insurance. It’s smart to find a good price for any purchase, but not if it's the wrong solution for one's circumstances. . Many situations could lead to extra expenditure, which would ultimately eat into your budget.

The internet is the most sophisticated mode of doing research. When you research about cheap student travel insurance online you will come to know that almost all insurance companies have their own websites.

First, think about the reasons you want travel insurance. What travel risks are you concerned about? If you get sick or hurt while overseas does your current health insurance cover your medical expenses.

Medical evacuation costs could affect your savings. Usually a big-ticket item, these costs may not be covered under a typical health care policy.

Emergency Assistance Services are also an important part of what you are buying. When you get sick or hurt in another country, these 24/7 services can be invaluable.

Because no two travelers or trips are alike, there are various travel insurance plans. It is important to pick the right one. . Comparing the different rates helps you to pick out the best deals. If this step is well taken your work is fifty percent complete. Compare the prices as well as the benefits each policy has to offer.

Check with the Better Business Bureau regarding any claims that may have been filed against that particular business as well. Cheap student travel insurance is a necessity to counter the various unforeseen emergencies that could put a damper on your long awaited trip.

whether your young or older, check out the services on line before you buy your travel insurance.

Travel safe

Finding travel insurance for pensioners is "ageism" (16.06.08) | Age Concern England

Finding travel insurance for pensioners is "ageism" (16.06.08)The inability to find cheap travel insurance for pensioners has been called "ageism" by one newspaper columnist.Writing earlier this month in the Guardian, Jackie Ashley called on the government to tackle the problem of prejudice against the elderly.Ms Ashley cited the opinion of one Age Concern campaigner on the issue of travel insurance for pensioners, saying: "The effect of insurance companies refusing even to give a quote to elderly people is like walking along the high street and finding eight out of ten shops with a sign reading 'no old people here'."Rather than searching for travel insurance, another article in the Guardian has revealed that many British pensioners may soon be "exploiting a tax loophole" by transferring their retirement pots abroad.Retiring overseas rather than simply holidaying there could cost the UK taxpayer hundreds of millions of pounds as wealthy pensioners escape paying British tax rates.This news story was written by Adfero Ltd

Finding travel insurance for pensioners is "ageism" (16.06.08) | Age Concern England

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How to save money: Travel insurance | Money | The Guardian

* Patrick Collinson * The Guardian, * Friday June 20, 2008 * Article historySimple saverBuy car hire insurance in the UK before you leave. The alternative? You arrive at the airport and the car hire desk presses you to buy an additional policy, sometimes costing £10 a day. They say that if you have an accident, you're liable for (say) the first £1,000 of any damage unless you buy a "super-CDW" (that's Collision Damage Waiver) policy.But there is a much cheaper way of insuring your hire car. Buy an annual policy back in the UK - they cost around £50 for Europe, or £110 including North America - which covers your liability for the car hire excess, not just if the car is stolen but also for some damage. Find policies at insurance4carhire.com, worldwideinsure.com and dailyexcess.com.Advanced saving tips1. Avoid paying pointless travel insurance step 1Obtain a European Health Insurance Card from ehic.org.uk or at your local Post Office. This has replaced the old E111 forms and gives you reduced-cost or free medical treatment in EU countries plus Iceland, Liechtenstein, Norway and Switzerland.Step 2Check your home insurance policy. Many have clauses that already cover personal belongings (eg your suitcase) outside the home.Step 3Check your private medical insurance policy, if you have one. These frequently cover the cost of treatment incurred abroad. For most holidaymakers who travel to southern Europe once a year, the only real benefit that travel insurance brings is cancellation cover. Ask yourself if that is worth paying premiums which are often £100 or more for a family.2. Buy an annual policy If you are travelling outside the EU, it's essential that you buy insurance. Annual worldwide multi-trip policies always make sense if you go on more than one trip a year. Buy at one of the comparison sites, and aim to pay no more than £40 (individual) or £60 (family). That's about what many companies charge for insurance for a fortnight in Spain! But don't just opt for the cheapest policy - those tend to have a limit on baggage claims of £500 or even less, and are hardly worth buying. In a recent Which? test, the best buy was TravelPlanDirect's £23 Europe-only policy for an individual under 65 (£45 family), or £38 for worldwide cover (£59 family) from Travel Insurance Web - both deals are only available online.Single-trip policies are only worth buying if you are traveling just once or maybe twice a year, and not going to the US - although they can be better value for older travelers (see below).3. Don't buy insurance from a travel agent, or your bank estate agents' travel insurance offers are nearly always ludicrously expensive: you can do much better online. As regards banks, customers with "premium accounts" such as Lloyds TSB Platinum have travel insurance included in the cost - but this is an expensive way to buy it. Ditch the account (they can cost upwards of £300 a year) and, again, buy online instead.4. Check those definitions one of the more common complaints to Guardian Money is that an insurance company has refused to pay for a cancellation caused by the serious illness or death of a close relative. Many insurers exclude anyone but immediate family from the cover, and will also refuse to pay out if the holiday was booked when the person already knew that their relative had fallen ill.5. Older travelers, beware Travellers over 65 and with pre-existing medical conditions have the thorniest travel insurance issues. It's crucial to declare any information, such as a pre-existing illness, that an insurer might use to calculate your premium. One tip: don't assume that the businesses or charities which specialize in the over-50s market are always the cheapest. They rarely are. Prices for insurance start to rise once you hit 65, and become alarmingly expensive past 75, even if you are fit and healthy. Travelers making several trips a year should still aim for an annual policy - but the savings over several single-trip policies are marginal, particularly if you visit America.The Which? survey's best buy for the over-75s was from Intune (intunegroup.com), a wholly- owned subsidiary of the charity Help The Aged, and any profits go to support charitable activities. The Intune policy has no upper age limit, and will cover many pre-existing medical conditions. Companies recommended by Which? for single-trip insurance include Columbus Direct and Golfguard. Both companies have upper age limits of 79.6. And if you do have a medical condition ...Cover My Travels (cover my travels.co.uk) has been praised, but will only give you a good price if the condition has been stable for more than 12 months. Others worth trying are 24DrTravel (24drtravel.com), Freedom Insurance (freedom insure.co.uk) and Medici Travel (medicitravel.com). If you have recently been in hospital, try Bradford & Bingley at bradford-bingley.co.uk/insurance/travel.Of course, if you travel in Europe only, the free European Health Insurance Card (EHIC) is useful for anyone with a pre-existing condition (ehic.org.uk).Quick stats Recommended levels of cover you should take out on a typical travel insurance policy ...£2 million medical expenses£1 million personal liability£3,000Trip cancellation£1,500Baggage lost or damaged£250Stolen cash source: money supermarket.com planet saver Climate sure, the insurance arm of Climate Care, a carbon-offsetting company, offers travel cover which promises to cut your carbon footprint. It uses part of your payment to offset emissions created by your journey. Contact climate sure.co.uk.

How to save money: Travel insurance | Money | The Guardian

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Cheapest Travel Insurance

I created this blog to see if I could bring some attention to the cheapest travel insurance. In the past I have traveled to a few places and bought travel insurance and felt good that if something happened I would be covered and my family would be well taken care of. I am not so sure about those facts anymore.

I know you can find or purchase insurance on just about anything from Planes, Trains or Cruise ships.
You can buy travel insurance to cover your luggage and your life. But the key is which one is legit, and will pay off with out having to hire a lawyer and go to court..

Travelers are purchasing travel insurance policies through their agents, and some purchase on line. Now whether you purchase travel insurance on line, or from the travel agent is a matter of preference.
You could be paying a premium and getting less coverage.

I think most of us purchase travel insurance for the peace of mind and not always for the insurance coverage.
Remember, when selecting the best and cheapest travel insurance it is critical that you are covered for your trip. This will give you piece of mind.
I think that there are a number of ways to check and make sure your selection of a travel insurance company is the right one.
The following is a list of things to consider in purchasing cheap travel insurance on the web or any where else could save you a lot of time and trouble:
If you are using a local travel agent, pick up the phone and call the travel agent and ask what comp[any to use.
Ask your agent for any feed back on whom ever you chose, this could save a lot of heart ache. Positive feed back or negative, either way you are better off.
Even though you would like to purchase Insurance and save the money, the cheapest may not be the best choice, consider if that is the wisest choice.
Try and make your choice ahead of time, we tend to make mistakes by choosing when we are in a hurry.
Look at it this way; When you buy almost anything, you ask around for feed back. Just be sure and ask the right people.
I know the cheapest travel insurance is a free one, check it out first. You might be glad you did
So the cheapest travel insurance is just a matter of what you pay for
Remember there is no better person that will watch out for you better than yourself.
Good luck and good traveling.
John