Travel Health Insurance: It’s Easy to Get and Cheaper Than You Think

Of the concerns people have when the topic of world travel rears its exciting head, few feel as serious as the concern of getting sick or hurt in a foreign country without any form of health insurance to take care of the problem. Compared with the fear of running into serious health problems abroad, the concern of not knowing where to travel, or the worry about getting scammed, or insecurities surrounding your ability to make the money necessary to travel all seem trivial. None of those fears can kill you- getting sick or hurt abroad without any form of health insurance can.

Most forms of health insurance are nationally based, they are domestic, which means the insurance you use at home isn’t going to do much of anything for you abroad. Thankfully, getting health insurance while you’re travelling, or getting insurance that will cover you as you travel, is a lot easier than you think and it doesn’t need to cost an arm and a leg.

An Important Question

Before we get into the nitty gritty of how to acquire health insurance that will keep you secure and feeling good during your travels you need to ask yourself a single important question- do you plan on travelling to one country or multiple destinations?

The answer to this question will determine what sort of insurance you will need. If you’re travelling all over the place than you need a more comprehensive, far-reaching insurance. If you’re travelling to a single city or country and setting down roots for a few weeks or a couple months then you only need to get health insurance valid within that country.

Even though you should avoid overly-detailed travel planning to figure out the answer to this question before you leave home, it is a good idea to plan your health insurance needs.

Single-Country Insurance Strategies

As far as insurance goes, if you’re travelling to a single city or country you have it easy– though it’s important you act fast for peace of mind and safety’s sake. You should purchase local insurance the first day you arrive.

Doing this not only makes sure you’re protected no matter what happens, resolving to buy insurance your first day in a new country is also the best way to be sure you actually get it done. It’s easy to put off chores and busy work, the less sexy elements of travel, when you’re excited to be in a new country and itching to start exploring. Getting all the boring stuff out-of-the-way as soon as possible protects you against the dangers of procrastination- dangers that are potentially lethal when it comes to medical coverage.

But how, exactly, can you find local insurance?

Well, you have two options.

    • You can spend hours trying to research local medical coverage plans online, often browsing through poorly translated websites in an attempt to compare one plan with all the others. Or,
  • You can take the easy route and just ask an employee at your hostel or your hotel what local health insurance they have and what insurance they think you should sign up for. Then find out if their insurance coverage is available to visitors. Hospitality workers are there to help you out, and the more personally owned and operated your lodgings the better the chances of receiving some good advice from them.

Multi-Country Insurance StrategiesOwning local insurance in addition to global insurance is almost always a good idea. After all, it’s a safe bet local hospitals will accept your local insurance card but there’s no guarantee local hospitals will accept your international coverage. That being said, if you’re travelling to a large number of different locations, you don’t really have much of a choice. You need to get the most comprehensive global health insurance you can afford.

When it comes to global health insurance you have a couple options at your disposal.

1) First, you can take a look at your existing domestic health insurance and determine whether it provides any sort of worldwide coverage at all. The bigger the insurance carrier the more likely it will provide something for you when you’re out crisscrossing the globe. If you don’t know where to look and you’re unsure about your current coverage you should get on the phone with a representative and start asking questions.

If your current coverage won’t help you overseas you need to ask whether there’s any plan provided by your carrier that will help you out as you travel. If there’s an upgrade to your insurance available and if the upgrade will cover you abroad you’d be wise to pay a little extra to make sure you’re secure. Acquiring traveler’s insurance isn’t really difficult but ultimately it’s a lot easier to stick with the carrier you already have than to unnecessarily jump ship.

2) If your current carrier does not provide travel coverage while you’re travelling and if they do not offer any sort of upgrade, add-on or package that will cover you abroad, then you need to locate a new carrier.

You can either switch over to a large carrier who provides a wide range of insurance options, or you can just sign on with a carrier who specializes in traveller’s insurance.

3) Travel Health Insurance is a LOT more common and a LOT cheaper than you’d think. Don’t be surprised if you find travel health insurance that is considerably less expensive than what you’re paying for your existing domestic coverage. Not only that, but travel health insurance tends to be extremely flexible. You can purchase insurance for a single trip, you can purchase insurance for trips of varying lengths (such as 30, 60 or 90 days) and you can purchase insurance for those times you’re going to travel indefinitely.

So how cheap can travel health insurance be? How does less than $1,000 dollars a year sound to you? Compared with the normal $300-$500/month you’d pay for your own health insurance, if it’s not covered by your employer’s travel insurance, this represents a really, really good deal.

What Types of Travel Insurance Do You Need?

When you start researching travel insurance you’ll soon realize there are many types of travel insurance out there, all covering a different corner of the traveller’s experience.

    • The average traveller simply needs to purchase the most comprehensive Travel Health Insurance they can find. But if you’re travelling to snowboard the alps or something else that may be considered risky, then Hazardous Sports Insurance might also be worthwhile.
    • Evacuation Insurance might make sense to help get out of countries if political or environmental situations turn ugly, but only if you are in a country where you could reasonably assume you could be evacuated by helicopter.
    • You can purchase Identity Theft Protection in case someone swipes your passport and credit cards.
  • You can purchase Cancellation Insurance to make sure you end up at your destination even if your airline starts messing with your reservations or some other unforeseen problem arises.

Whether you purchase these different forms of insurance or not depends a lot on where you’re going and what you plan on doing there.

But after you settle the issue of travel insurance, what’s keeping you from finally taking that trip you’ve always dreamed of?

Allen Routledge is a backpacking travel veteran with extensive experience ‘on the road’ in Europe, Australasia, and the Americas. Read other articles about his personal experiences and practical travel information at http://omnitraveller.com.

Article Source: http://EzineArticles.com/expert/Allen_Routledge/1400664

10 Tips to Buy the Smartest Travel Insurance Policy

Why invest in travel insurance?

Travel insurance is the backbone of your travel plan as you can not only be at peace but also can ask for compensation in case of any uncertain event occurring during your vacation. There are many benefits of investing in a suitable travel coverage plan. The frequency of uncertainties has increased these days. Terrorist attacks, thefts and robbery are some of the commonly happening events. You never know how bad you will be affected by such uncertain events while you are out in an unknown destination for a vacation. Insurance is a tool that helps you stay protected throughout your trip and offers you good amount of compensation in case of any emergency or an uncertain event. Nowadays, buying suitable travel coverage tops the list of any travel plan. The tourism industry in India is doing a great job by offering attractive travel packages to the residents. Buying a suitable travel insurance plan to match your vacation package has never been so easy before.

Buying travel insurance online

It takes just a few clicks online to search for available travel plans and compare them with their features and coverage details. Comparing available travel coverage plans through online quotes is the smartest way to search for the most suitable ones. As premium is the primary factor to consider, you can calculate the premiums associated with different plans by using the online calculators and invest in the smartest one.

Tips to buy online travel insurance

Here are some effective tips to buy travel insurance policy that suits your requirements:

• Before searching for the travel coverage policy, firstly decide about the place where you would like to spend your vacation at. After you finalize the travel destination, search for reputed travel companies online and ask for the variety of plans that they offer.

• For aged people, it is a must to opt for a plan that covers emergency charges and medical expenses along with ambulance and hospitalization fees.

• If you are a regular traveler, you can easily locate a discounted travel coverage policy.

• Your coverage elements would differ as per the place where you are planning to visit. For an adventure trip that includes activities like sea diving, mountain climbing and rafting, make sure that the policy covers compensation for loss of luggage and personal injury.

• There are different insurance policies for business travelers that usually cover compensation for loss of business related accessories and uncertain expenses.

• Students travel policies would cover uncertain events during their abroad visits for education.

• Family travel policies would offer compensation to your entire family against events like delay in flights, loss of checked baggage and interruptions due to hijack.

• Avail assurance from the insurance company that they would refund the tourism amount in case of cancellation of trip due to uncertain events.

• Be ready with your coverage checklist before applying for any travel coverage plan.

• Some insurance companies also offer pet insurance policies to travelers who want to take along their pets for the trip.

For a safe and peaceful journey, buying a suitable travel insurance policy is a must.

Travel insurance policy is an essential part of travelling abroad and those who are travelling abroad for the first time should ensure that they buy a comprehensive travel insurance policy which covers all aspects of their trip abroad.

Article Source: http://EzineArticles.com/expert/Anusha_Kothari_Jain/1176203

 

The Joys (and Sorrows) of Travelling Alone

There is no one “right” way to travel, especially when it comes to the number of partners you choose to travel with as you explore the world. Yes, if you travel with others, you should only travel with those whose presence you enjoy. And yes, I’d argue you’ll have a lot more fun by travelling with some close and adventurous friends rather than travelling through a foreign destination with a group of tourists who barely want to leave the hotel. But, assuming you make a few wise choices regarding the company you keep, there are unique benefits hidden within travelling with one person, with three people, or with a dozen people.

Not that you actually need to travel with anyone else. In fact, the intensity of travelling alone often outclasses anything you’ll experience travelling with others- intense in its highs and its lows. Intense in its connections and its loneliness. Intense in its opportunities for building confidence, and intense in its opportunities for dealing with doubt and fear. And it’s this intensity of often-conflicting experience that makes travelling alone for an extended period of time an absolute necessity for each and every one of us.

Travel is About Growth

A quick aside.

Some people may be put off by the ideal of intensity I’ve used to drum up travelling alone. I understand this. An intense experience can be uncomfortable to think about. But in reality, an intense experience is often more uncomfortable to think about than it is to actually live through. But our discomfort surrounding intensity lies at the heart of every growth opportunity we ever encounter. We grow the most when we feel most alive and when we push through vague anxieties to expand our sphere of comfortable action.

In other words you shouldn’t avoid the intense experiences and the discomfort they temporarily produce- you should run towards them. Sometimes travelling is about just enjoying yourself, but at its heart travelling the world is about running towards intensity, embracing discomfort, and expanding the world you inhabit.

So yes, the thought of travelling alone can sometimes feel scary. That’s sort of the point. Don’t use this fear as an excuse to live in a smaller world than you need to.

Others

When you travel alone your experiences will swing wildly back and forth between being deeply social and deeply lonesome. Often the tone of your experiences changes overnight. One night you meet some new friends you spend hours and hours with as you talk, as you explore, as you bare your souls- as you get drunk together and dance together and as you wander foreign streets late at night together, invincible in the moment. The next day they leave and so does the last person you know in your current location and you’re alone again. In that moment you can be active and reach out and meet others, but you’ll feel shocked how often, in that moment, you’d rather spend your time totally alone.

Through expat bars and hostels and alternative tours, travelling provides you with a never-ending opportunity to meet new people. When you travel by yourself you’ll only ever be as alone as you want to be. You’ll be able to meet others without preconceptions, without strings attached, without checking in to see if everything’s cool with your friends and without worry what others will think about the relationships you build and leave behind. When it comes down to it travelling by yourself provides you with social freedom you could never experience back home or travelling with others.

And that includes the freedom to truly be by yourself. The relief of occasionally spending a day on your own when you’re back home does not, and cannot, compare with the depth of the solitude you will experience when you are alone for hours, days, or weeks at a time in cities, countries and cultures far from your everyday experience. These silent, lonely moments will make you feel so many things, they will give you the time to process and to question and to answer, it’s in those moments of total separation from everything and everyone related to home that you can gain the most perspective on your life and make the hard decisions about who you are, what you want, and how you’re going to get there- decisions you just can’t make when you’re grasping on to even the slightest thread of connection to the life you used to know.

Yourself

I hope I don’t sound like I’m bearing down negatively on others. So many of your opportunities for some semblance of enlightenment will come to you in the company of others. We are intensely, and intrinsically, social creatures. As E.E. Cummings said, “We are for each other,” and every nugget of insight you learn as you travel by yourself exists for the sole purpose of helping you better serve the world and the others who live in it. I’m merely suggesting there are benefits and insights out there in the wild you can only gain when you disconnect completely in the way you only can when you vacate normal life and search for something else on your own.

If you need any greater indication that humans are truly social in nature consider the powerful feelings of doubt and fear you’ll feel when you cut yourself off from others. Even thinking about travelling alone you’re probably thinking that it isn’t something you could ever do. When you leave home on your own you will feel incredibly scared of what you’ll find way out there and whether you’ll be able to handle it. Travelling alone you will repeatedly question pretty much everything about yourself and whether you can even survive, in a basic mental and emotional sense, without continuous close contact with others.

And moving through these cycles of fear and doubt you will learn something- that you can handle it. You cannot only survive but you can thrive. You learn how tough you really are, how little you really need, and with that knowledge of your own inherent indestructibility and with that understanding that life can be great even if you lose everything, you will gain the confidence and courage to actually act on the dangerous insights you accumulate while you travel. Travelling alone not only lets you see what difficult choices you need to make when you return back home, travelling alone lets you know you’re strong enough to risk it all and act on them. Travelling alone makes you both a wiser and a stronger person in a way travelling with others never, ever could.

Yes, travelling alone is more difficult than travelling with others, but at times, especially during those times when you don’t know what to do with yourself or your life, travelling alone becomes absolutely necessary.

Allen Routledge is a travel veteran with extensive backpacking experience ‘on the road’ in Europe, Australasia, and the Americas. Read other articles about his travel experiences plus practical travel information at http://omnitraveller.com

Article Source: http://EzineArticles.com/expert/Allen_Routledge/1400664

 

Why You Should Travel Young

“One’s destination is never a place, but a new way of seeing things.”

-Henry Miller

Traveling is simply a brutality of humanity, it is when we travel that we see things for what they truly are and not how we imagined them to be. Traveling also lets our imagination run wild without expectations, it lets us see things from a new perspective, without the alleged prejudice of the world. And while all of this seems to be an adequate reason to travel, many are still naïve to the idea of traveling.

But just as many are left in the dark to wonder and wander, some are out there exploring and enjoying what the world has to offer them, for it is in that brief moment of youth that we can truly experience life, as we know it.

Now the question of many remains, “Why Should I Travel Young”? Personally, I can give you a hundred, even a thousand reasons why you should travel when you’re young but if you’re desire to see the world begins and ends with your “Wish to See the World” then I’m afraid no amount of reasoning would suffice to convince you to go after what you want.

You see, traveling as much as it is a form of recreation is also a commitment, a vocation for some, but ultimately, it is a responsibility. A responsibility you should be willing to take onto yourself. Many people say that the young are lucky to have the health and the wealth to see the world but what they do not realize is that the young are often distracted, deceived and sometimes, deluded.

So if you’re one of the young’uns who wish to unearth the world’s greatest places and learn life’s most valuable lessons, but are afraid to make it happen, read along, maybe I can convince you to travel while you still have the gift of youth.

  1. Traveling teaches you a sense of adventure- Don’t quote me on this one but based on my experience, traveling allows you to have as much as fun as you want without having to worry of what other people will say about you. You don’t have your peers or parents to warn you and judge you, so you can be young, wild and free. Life is an adventure and traveling lets you experience that.
  2. Traveling teaches you to be compassionate- Other than the photos, the souvenir and the life-long memory that traveling gives you, it also edifies you of the real situation and teaches you to care for other people, sometimes not of your own kind.
  3. Traveling allows you to be culturally diverse- If you think traveling is all about sight-seeing and marveling at the wonders each country has, then you’re right. But there’s also something more important that traveling teaches us, it allows us to be culturally diverse. Whenever we travel, it is important that we follow the local practices of the country/destination we are going to. As the old saying goes, “Respect begets Respect” If we learn to respect and even appreciate the culture of other nationalities then we become more aware of our own. That’s the mutual benefit we get from traveling.
  4. Traveling makes you more attractive as a person- they say that the most attractive people in the world are those that have seen it. Do you agree? I do. It is because of the invaluable and immeasurable life experiences we have with our travels that make us a better person, and when you feel you’re better, you become more attractive.
  5. When you travel young, you travel more- let’s face it, we’re all bound to grow old and lose our health. But while we’re young and at the peak of everything, it’s best to take advantage of it and start traveling, after all, you’re only allowed until your 30s to hike a mountain or ride the rapids of the river.
  6. Traveling makes it easy to make friends- if back at your hometown you tend to cling to the same group of people bound by a circle of friendship, then maybe you should travel more often. Traveling has been proven as one of the best ways to gain friends and build bonds, after all, you are all strangers to one another at one point but because of your common interest to see the world, you are bound by it as well. And get this; wouldn’t it be nice to have friends in all parts of the world? That would be way cool, way cooler than your friends back home.
  7. Traveling makes you a better storyteller- You might not get this now but when you have kids or grandchildren, you will. Those who travel young have more opportunities to experience everything there is to traveling. With the many countries that you’ve visited and you’ll be traveling to is a story waiting to be told. Traveling gives you things to share over breakfast, lunch or dinner. When you travel, you will never have a hard time thinking of a topic to talk about; not to mention you’ll keep everyone with your story.

Now if for some strange reason, after citing all these reasons why you should travel young and you’re still not convinced; it’s pretty obvious that you have a fear inside you that you’re just trying to hide so everyone won’t think you’re a coward who can’t face it. Is it fear of heights? Fear of the unknown? Fear of being independent? Whatever it is, know that traveling, especially alone, will help you address that fear. You just have to take the big leap of faith and make the first step to make your traveling dreams a reality. You only live once; and you’re only young for a short period of time, if you don’t travel now, when?

Julius Mariano (aka Jules Mariano) is a freelance web article writer and social media marketer. He also provides SEO services and reputation management work.

He regularly blogs at The Brown Mestizo where he documents most of his daily Philippine travel experiences and things concerning about his work and personal life. If you need similar work done, please e-mail him at julesmariano@gmail.com.

Article Source: http://EzineArticles.com/expert/J_Mariano/1391276

 

Corporate Travel – Is It Time to Centralize Your Program Again?

Corporate travel has undergone a ton of changes in recent years, the most important being the advent of easy access to airfare via the internet. As more travelers found value in better control over their schedules by using the internet, many organizations loosened their travel policies to allow for travelers to book on their own online. This perceived benefit to travelers has actually cost businesses quite a bit in terms of lost productivity, lack of control over unused tickets, and lack of access to airline programs that can save the company significantly in all areas of travel.

Can we agree that online travel booking, while advantageous in some ways, has not been all we had hoped it would be from the outset? I hear stories from travelers every day about how difficult online booking can be, and how even when using the internet, travelers simply cannot be sure they are getting the best fare. This uncertainty gnaws at travelers and coordinators, and for good reason. It is difficult to be certain of what you are getting online because there is no track record of success, and no level of trust between the organization and the travel provider.

Collaboration between your organization and your chosen travel management provider is critical. This collaboration will reap benefits for your company in terms of a better working relationship and an anticipation of your current and future needs as they relate to the constantly changing corporate travel environment.

Centralized travel needs to make a comeback for the sake of the corporate travel program, and the sanity of travelers and travel coordinators. Because all distribution channels have access to the same fares and rates, there are fewer reasons today to continue with a decentralized travel policy. Executive level buy-in is critical, and it is easy to allow travelers to keep the level of control they like while still requiring travel booking through the preferred corporate channel. Most brick and mortar agencies now offer online booking solutions that can be customized to meet the needs of the unique corporate travel policy.

The benefits of centralizing travel again are many. Here is a comprehensive, but certainly not an exhaustive, list of reasons to regain control of this important but under-scrutinized budget. It will certainly have a positive impact on your company and its ability to serve your customers and improve traveler morale.

  • Access to airline and hotel discount programs through agency and provider contracts
  • Centralized booking allows travelers to be more organized and efficient
  • Unused tickets can be tracked and hotel cancellation policies can be managed
  • Centralized billing of hotels and car rentals
  • More efficient booking processes
  • Effective customer service for the inevitable changes and issues that come up with business travel
  • Customized and centralized financial and accounting reports

Many corporations find that the best solution is a combination of booking options, with most using an online booking portal provided by their agency partner, along with real live agent help when travelers are pressed for time or have more complex travel itineraries. The key in my opinion is to re-examine the travel program from every angle. There are more airline programs that are available to businesses than ever before. New opportunities to save money and streamline processes are out there for you. United Airlines recently began offering a discount off of every fare for corporate partners. That includes cheapest coach class seats, which even many Fortune 500 companies do not have access to. This is just one example of under-publicized opportunities for your company that can be had through the old-fashioned agency relationship.

It’s time we took another pass at the corporate travel program to see where efficiencies can be found and savings opportunities can be uncovered. Your travelers and coordinators may even be able to get back to what they’re actually paid to do. Take care of your customers and propel your business forward.

Steve Baker
Baker Travel Corporate Group
Lake Forest, CA
949-458-1818
steveb@bakertravel.com
http://www.bakertravel.com

Article Source: http://EzineArticles.com/expert/Stephen_N_Baker/421621

 

Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.