Traveling To Europe? Here Are Essential Tips For Travel Insurance – Credit Cards And Cash

If you’re traveling in Europe, make sure you have the right insurance and health cover, and have access to money.Travel InsuranceIt is advisable to purchase vacation travel insurance before you leave, because you are particularly vulnerable when you travel internationally. First check that your credit or charge card provides cover automatically – usually when you purchase a return air ticket with the card – or if your home contents insurance takes care of some of your possessions under ‘all-risks’ or similar cover. But be aware that ‘free’ insurance is unlikely to give you all the cover you’ll need, so read the small print carefully or seek advice.Have a clear idea of what and who you need covered, and consider what you’re planning to do on your vacation – any extreme sports, for example. Look at the policy exclusions and make sure you declare any medical conditions you have. People suffering from asthma, for example, may be unable to claim if they do not declare the problem beforehand.Consider annual travel cover if you go away two or three times a year; otherwise just get cover for the duration of your trip. Insurance bought through a travel agent is usually very expensive. It’s best avoided, particularly if you have time to buy cover on the internet (we recommend you look at the Essential Travel Insurance website) or from a broker or bank.Take your policy documents with you so you know exactly what to do if you need to make a claim. Some people lose out because, for instance, they do not report details of a theft to the local police within a day of the crime.Health coverIf you’re traveling within the EU (European Union) and you’re an EU citizen, make sure you have the documentation that entitles you to medical treatment when visiting any other EU country, under the same terms as citizens of that country. In practice, this means either free or at reduced cost. In the UK, this is called the EHIC (European Health Insurance Card), but each EC country uses its own name. Further information can be found at [http://ec.europa.eu/employment_social/healthcard/index_en.htm]However, you should remember that the card is not a substitute for proper travel health insurance – you may want cover that includes repatriation to your home or a hospital in your own country, so you should talk to your travel or health insurer.Credit Cards and CashTake a mixture of cash, credit cards and other plastic. You can easily withdraw money from cash machines in most of the frequently-visited locations. But be sure to use safe boxes, where provided, to keep your money and expensive items safe.Most Visa and Mastercard schemes offer consumer protection under their own country’s own consumer credit laws, no matter where in the world the purchase has been made. You normally need to spend between £100 and £30,000 (or equivalent in the currency of your card’s country of origin) for each purchase. You should check with your card issuer about consumer protection before you travel, however.Tell your credit-card issuer if you are going abroad. Otherwise, the firms’ anti-fraud teams may spot transactions that seem out of your usual pattern (buying a gourmet meal in Paris, perhaps, or a painting in Spain) and you may not be able to use your card. Be careful when using cards abroad, as unfamiliar procedures may leave you open to fraud.Don’t get too concerned with things that can go wrong and ruin your trip, though. With a little careful preparation before you leave and keeping your wits about you when dealing with credit card transactions, you’ll have a great vacation wherever you go in Europe.

Why Travel Medical Insurance Is So Important

Travel medical insurance is an insurance package that offers certain medical coverage while traveling. These plans are similar to that of normal health insurance policies, but are associated with traveling. Travel medical plans consist mainly of one of two types of policies, namely temporary travel medical plan and permanent travel insurance program.To acquire travel insurance, an individual needs to pay a monthly premium to the insurance company through a travel agent. The company then pays for all medical care required by the customer while traveling.International travelers, who travel frequently, mainly require this type of insurance. There are various choices to be made amongst travel health insurers, which offer help to numerous traveling people. If travelers develop some medical troubles outside their country, these travel programs provide them with all the necessary medical assistance and protection.These travel health insurance scheme provides hospital security benefit of $100 or more per night, for travelers going outside the US. They also provide $15,000 and more to cover suitable medical expenses for previous health conditions. These are the most attractive feature of these travel plans.Reasons To Get Travel Insurance:Is travel medical insurance necessary or waste of money? This is a common question arising in the minds of many people, when they think of a travel insurance program. There are certain reasons that show how important travel health coverage can be to a traveler.While seeking an affordable travel package, people need to pay attention to its price structure. Most of the available travel medical plans are of low cost. The traveler is ready to spend the vacation money for fun, but chances of medical complications can add extra money. To avoid this, it is very necessary to buy a cheap travel health insurance package.Most medical policies provide health care assurance all around the world. However, they do not offer full amount as per the coverage. For instance, if a person is traveling on a cruise ship, the basic health insurance plan will cover only 50 percent of the doctor’s visits on the ship.However, the medical travel package covers the full amount and sometimes more. Therefore, travel insurance programs are the best choice for international travelers to protect themselves while relaxing.Many travel medical insurers offer policies, without a medical or health examination. The package takes care of all the medical expenses associated with any medical crisis, while traveling.Final Advice:Travel medical insurance provides peace of mind, during your entire trip. To make the vacation more enjoyable without any hassles, it is very important to have travel medical insurance. For those travelers, who have previous medical history this is even more important.Travelers with previous history have a high risk of medical complications during traveling and there is no chance of extra expense, if they already have travel coverage. You really don’t want to take the risk of not having it.A travel agent generally offers the travel health insurance when making bookings, and a large number of travel agents, who provides these policies, are available online. To conclude, travel health coverage provides an extra level of comfort and deals with all the medical complications get a quote below.

How To Make The Most Out Of Your Travel

Make sure your house does not look vacant while you are away. Coming home to find that you have been robbed would be a nightmare. If you intend to be gone for a considerable length of time, consider redirecting or having a friend pick up your mail for you.Eliminate the middle man when purchasing travel tickets. When you book direct with an airline or train line, 90% of the time you will get a better deal than if you use a booking agency. Many booking agencies are now reducing their fees, but if you have time to book direct, nine times out of ten you will save money.Keep your wallet in your front pocket, and wrap a rubber band around it. Both of these tactics will allow you to feel if someone is attempting to steal your wallet. Keeping it in your front pocket is a big deterrence anyway, because it is more difficult for you to be distracted.When traveling, even in developed nations, always assume your hands are contaminated. Don’t put your fingers in your mouth and avoid eating with your hands. Chances are good you’ve come into contact with hundreds of people and thousands of surfaces, any one of which could be carrying a disease that you aren’t prepared for.Research the type of travel insurance you are considering before making the investment. Make sure that it covers things like, baggage loss or delay and emergency medical expenses, so you can recover some of the cost of your trip if your vacation plans are cut short or cancelled due to these things happening.Making the necessary preparations will make a big difference before a trip. These preparations range from ensuring that one has packed everything that is needed to using the bathroom before leaving the house. Having everything prepared and in place before traveling will give one more time to relax and enjoy themselves.Only pack the clothes you will need. In some instances, it does not pay to be over-prepared. Many people pack far too many clothes when they travel. This is a problem. It is especially a problem when they inadvertently lose the bags that contained them. Try packing multipurpose clothes that you can re-wear.Many people are born, raised, live their entire lives and die in the same place. If one of afforded and allowed the opportunity to travel and explore the world outside of their hometown, then the advantage should be taken. Learning about new people, places and things allows one to grow and learn about different lifestyles, ways of living, ways of viewing the world, etc.When you are traveling, be careful not to skip meals. If you are out sightseeing or participating in other touristic activities, you are going to need the energy. Plus, stopping and having a meal is a great way to meet locals, sample some local cuisine, and experience elements of the culture you might have otherwise missed out on.When traveling internationally with disabilities it is best to check which countries best accommodate disabled citizens. Many countries are well equipped to offer travelers with wheel chair ramps, scooter ramps and have hotels that are equipped to deal with disabilities. Unfortunately, every country is not so well equipped to support travelers with disabilities.When traveling with a baby, use the hotel’s coffee machine to sterilize your bottles. Wash all the different parts to the bottles using soap and hot water. Plug up the sink and place all the bottle items in it. Allow the coffee machine to fill with water and then turn it on. Wait for the water to heat up and then pour the hot water over the bottles, nipples and rings. Repeat as necessary, completely covering the items with the water. Let them soak for at least five minutes, and your baby will have a sanitary bottle to drink from.Everyone knows that airplane food is not exactly gourmet. A good tip is to take along your favorite spice or hot sauce, and dress up your rather bland meal. It will add that extra kick to your food, and will help it go down a little bit easier.When traveling in foreign countries, beware of police officers who ask for your ID. Make sure you ask them for their ID to prove they’re actually a cop. Instead of showing them your real passport, show them a photocopy instead. You don’t want to risk a thief running off with your passport.When traveling, never take an item from someone to transport it for them. No matter their situation or how nice they may seem, this is almost always a trap to convince an unwary tourist to transport drugs or other contraband into secure areas. Even “gifts” can fall into this category.Find out which vaccinations are needed in order to go to the country in which you are traveling to. Without these vaccinations, you may not be allowed to enter. Also, try to get these vaccinations far in advance of your trip, just in case you happen to have a reaction to it.After you decide where you would like to go on your travels, book your hotel rooms and flights directly with the companies themselves. Although there are many booking engines online that offer reduced or eliminated transaction fees, you will often get a better deal if you speak directly with the hotel or airline. You will also receive better customer service.HotelIf you’re far away from home and find that you’ve left your phone charger at home, call the front desk of your castle hotel and explain the situation. Most hotels save the abandoned or forgotten chargers that are left in hotel rooms; if your phone is a fairly common model, it might save you from paying fifty dollars for a charger that you only use for one or two days.If you are staying at a hotel while traveling, be sure to figure out where all of the emergency exits are located. You never know when there might be a fire drill or even a fire. Your map reading skills aren’t going to be at their best when you are woken by the alarm at 4 AM, so it’s better to know in advance.As you make your travel arrangements, consider using the bidding features that are available on several websites to secure your hotel accommodations. You can bid on hotel rooms at drastically reduced prices, but you don’t know which hotel you are staying at until they charge your credit card. You can often get at least 50 percent off the regular rate of the room using this method.While many luxury hotels offer free wireless internet service, a few out there charge exorbitant rates for hourly access. Find out which businesses are in the area directly around your hotel; more and more restaurants, coffee houses, and even car dealerships offer free wireless internet service. Book a room on the ground floor of your hotel; chances are you will be able to access the internet through a local business rather than paying for service through your hotel. You can also find castle wedding venues where you can celebrate your big wedding day in royal palace.Show your loyalty. Even if you are only planning to stay one night, if your hotel has a loyalty program, it can be worth it to join. In addition to additional amenities, such as garment pressing or free meals, a guest who is perceived as a loyal customer is less likely to be chosen if the hotel is overbooked and needs to cancel a reservation or needs to substitute a lower quality room.If you travel with a lot of electronic devices, be sure to pack an outlet strip in your bag. Many hotel rooms have a limited number of outlets, and they are often behind furniture or in inconvenient places. By using your own outlet strip, you will have plenty of room to plug in all of your various chargers.Try and get as much knowledge of the destination you’re going to travel to before you arrive there. You want to have an idea of the things you want to do rather than finally getting to the hotel and feeling lost and bored. You can also ask hotel employees and locals where good places to check out are.When booking a hotel stay, be sure to ask when the hotel was last built or renovated. A low-cost motel that’s brand new might be a better option than an older building attached to a good name. Stay away from lower-end and mid-range hotels that haven’t been renovated in more than five or six years.Watch prices even after you book. Some airline and hotel companies offer you a refund if the price of your reservation drops after you book it, so keep an eye on the price. Alternatively, set-up an account with a price watcher site. After you enter the reservations you made and the price you paid, it will alert you when the price has dropped by the minimum amount required for a refund.Avoid locking yourself into a rigid schedule when traveling with the kids for a theme park vacation. Keep in mind that the real point is to have fun “” not endure a marathon as you race from one ride or attraction to the next. Go over the itinerary with the kids the week before the trip and let each pick one or two specific activities they really want to do. Focus your day on making those dreams come true and integrate other activities as time allows. A mid-day break with a return to your hotel for rest and a swim in the pool can provide an opportunity for some enjoyable family downtime.All of these things are great in preparing yourself to go traveling to that exciting new country that you’ve always wanted to visit. Making sure you are prepared can take out all of the uncertainty that might make you nervous about being in a whole new place and leaves you to simply enjoy your trip to the fullest.