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What Does Travel Insurance Cover For You?

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Many people in India underestimate travel insurance for no reason in particular. They are of the mindset that travel insurance is an unnecessary investment and can be avoided easily. If you also believe the same, then you are completely wrong!

Travel insurance is as important as health or any other kind of insurance. Travelling is a part of human life. There are hardly any people who do not travel to new places either for work purposes or for vacations. And when you travel, you obviously need safety, right? And safety comes from buying a travel insurance policy.

There are many insurance companies in the market that are providing with different kinds of travel insurance policies. You need to choose the best amongst them as per your priorities and budget. Try to strike a balance between these two aspects (affordability and requirements) as it will help you benefit more. Compromising on your needs or going way beyond the range of your budget will lead you in trouble at a later stage.

Travel Insurance policy provides you a sense of security whenever you are not at home. Apart from you, it also keeps your family members satisfied whenever you are not with them. In this way, you can enjoy your trip in a better manner with complete safety, be it financially or physically.

But before buying the policy, you should be aware with what it covers for you, right? Below mentioned are few points that will guide you regarding the same. Just have a look at them!

Travel insurance provides coverage against the following.

Trip cancellation:

A much awaited trip is what a person waits for to explore, relax and it provides a break from the hectic life, which is quite common these days. The major sadness strikes when the travel plans gets cancelled. Few reasons for the cancellation may be:

  • You may fall sick or face illness before the travel date.
  • You may face injury which restricts you from travelling.
  • Weather conditions are not good for travelling.
  • A terrorist attack may strike at your destination.
  • An emergency work or situation may rise which makes you cancel your travel plans.

Travelling requires a lot of preparation and planning in advance before you leave towards your destination. It involves pre-booking of hotels, flight, trains etc. and a fair amount of money is always spent on these things which can be non-refundable. If a situation arises in which a person has to cancel his or her trip with the money already paid as advance, then there is quite a chance that he or she will have to face these expenses without any reason.

To save you from facing such financial loss travel insurance comes into play.

Travel insurance cover provides reimbursement to these non-refundable costs incurred by you prior to your travel.

In order to purchase the trip cancellation cover one must insure some or all of your trip expenses.

Trip interruption:

In addition to the trip cancellation policy one gets a benefit named as trip interruption cover.

A situation may arise when you are required to travel back home in between your trip. But it is obvious that you must have made the arrangements in advance for the whole trip.

Trip interruption plays the role of refunding you the amount of all the unused expenses. These unutilized expenses can be the amount paid for hotel bookings, travel etc.

Trip interruption protects a person from facing unnecessary expense.

Health emergencies:

No one is immune to health problems and diseases and they can strike you anytime and anywhere without any notice. You don’t want them to ruin your travel plans but it is not in your hand.

In the situation of these medical emergencies the patient requires proper treatment on time. Treatment in many countries can be a costly affair and no one will want to think and worry about the costs at this situation.

People believe that domestic health coverages will work in abroad too. But this is completely wrong as one needs to purchase a separate health insurance cover while travelling abroad.

Travel insurance cover will reimburse you with all the expenses incurred by the insured for the complete treatment. These expenses may include the consultancy charges, ambulance charges, treatment cost and so on.

Medical evacuation:

Medical evacuation isalso known as medevac cover and it goes along with the medical emergency cover.

In case medical emergency strikes at the time of travel this cover provides you with ambulance facility to the nearest hospital and can bring you home if hospital determines that it is necessary in your situation.

You may also choose the hospital which suits you. Along with Sthis the cover provides you with on vehicle medical assistance till the time you reach the hospital.

Lost baggage or passport cover:

Travel insurance cover also deals with lost baggage or important documents like Visa or Passport.

This type of cover is helpful in securing your belongings at the time of travel. One may face a situation like theft or damage which may lead to loss of any important possession. In this situation, this insurance cover will pay you for the loss of your belongings.

You must be aware of the fact that passport is one of the most important document a person requires to travel as no country will allow you to enter without it. If a person loses the passport due to any reason then the travel insurance company will make arrangements for a temporary passport so that the insured does not face any problem and stays tension free.

In case there is baggage delay the insurance company pays you for the basic amenities like clothes and toiletry kit. This is done so that you have required things till the delayed baggage arrives.

Delayed flights:

Flights only take off when the situations are suitable. With situations we mean weather conditions or mechanical welfare.

Under unsuitable conditions the flights can be delayed or even cancelled.

Delays and cancellations are common in air travel as good conditions required to take off are not in the hand of people. For example: there is a fault in airplanes turbine or stormy weather.

This delay or cancellation may lead to financial loss to the travelers as they might have made pre-bookings at their destination and have paid them already.

Along with paying for the medical expenses or loss of luggage they also provide reimbursement for the loss incurred by the insured person due to delay or cancellation of flight.

It is often heard that he or she missed the flight as he or she didn’t arrive at the airport on time. There can be many reasons behind this like traffic, weather conditions etc. Whatever the reason is, the airline company will not return your money in such a case, which will eventually lead to your loss.

For this purpose missed connection benefit comes as a savior for travelers who are delayed, and incur additional costs to catch up to their trip.

The actual reason for the delay should be mentioned in your policy in order to receive the benefits from this cover.

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Emergency evacuation:

Everyone thinks of having a good time while they are travelling. But one should know that uncertainties may arise at any moment without any notice.

Situations like natural calamity, serious health problem or a terrorist attack may be the reasons for emergency evacuations. No person will want to be stuck in such a situation in order to be safe and sound.

If you get stuck in this situation in order to reach a safe place or hospital you will have to pay a large amount of money in transportation. Benefits of purchasing this coverage is that it will pay for all the evacuation expenses like airlift, transportation cost to reach hospital.

Worldwide phone assistance:

This cover can be really very beneficial for you at the time of medical emergency, loss of luggage or passport or cancelled flights. It provides you with worldwide coverage and phone assistance so that you can make a call if you face these types of situations.

Along with this they also offer you 24/7 travel assistance service. This cover will provide you with both medical and non-medical benefits like:

  • Provide transportation to the hospital.
  • Provides proper treatment.
  • Free choice to choose your hospital.
  • Assistance in case of lost passport or documents.
  • Help in locating lost luggage.

Travelling without purchasing a good travel insurance cover in not an option one should prefer. Looking at the possibilities of facing any major or minor uncertainty one must surely purchase a travel insurance cover before travelling abroad as no one knows when it may come to use.

Cole is one half of New Zealand's leading adventure travel blogging couple who have been wearing out their jandals around the world since 2009. He loves any adventure activities and anything to do with the water whether it is Surfing, Diving, Swimming, Snorkeling or just lounging nearby on the beach. You can follow Cole on Google+. Or consider following us via RSS Feed, Twitter, Facebook and subscribe to our Newsletter.

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Travel Tips

Get Peace of Mind When You Pre-Book Transportation

Avatar of Warrren Hamels

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Traveling is extremely fun, right? It helps you go to different destinations and enables you to have exposure to new people, cultures, and ideas. Many people travel with others so they can genuinely get a taste of life and share their experiences in real time with other people.

Remember that life is all about the experiences that you have and the memories that you make as these provide you with a life that is well lived.

Indeed, remember that your travel experiences, and other memories that you make are essential aspects of life because it gives your life a bit more flavor. You can feel a certain thrill when you are transferring from one airport to the other. It can give you joy because you are moving and being more free instead of being confined to one location.

Now, when it comes to a life well-lived, it certainly takes some effort. Most individuals find that they must be intentional about what they are trying to do to have the most opportunities in life.

This is certainly true for the traveler. The best travelers know that traveling is far from easy if you do not have the right amount of preparation.

Remember that it takes quite a bit of work to have a wonderful trip. It can be fun to have surprises, but it is best to have pleasant surprises. Here is what you need to know to have a pleasant trip.

Pre-Book a Transfer From Any Spanish Airport

If you find yourself in Spain, then you would want to make sure that you utilize the right modes of transportation to make sure that you get to your destination with ease. Thankfully, the beautiful country has great service providers that will make your travel life easier in this regard.

Remember that effective service providers will provide a taxi or a minibus. These service options are useful because they can cater to your various needs. For instance, if you have a large party, a minibus would be wonderful. If you have a small group of people, then a simple taxi would suffice.

These different options enable you to meet your needs regardless of the size of your overall party.

More Benefits in Pre-Booking Your Transfers

There are other benefits to pre-booking your airport transfers. Whether you are going to Barcelona City or to Madrid City, it is important to note the various benefits of working with the right transportation firm.

Now that you are aware of the options that you can choose with preeminent services, other benefits include locking in a price, minimizing wait times at the airport, and having a pleasant experience with a wonderful driver.

Instead of having to worry about the price and about cancellation options, or if someone will show up on time, working with a wonderful firm like Solhop enables you to have total peace of mind when it comes to your transfers.

You can also ensure that you will drive in style with the options available to you from the different cars on offer.

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Have Fun On Your Trip

Now that you have your transportation squared away, remember that you are on a trip and remember to have fun. Whether you are traveling from the United States of America or from other places in Europe, you can be sure to have a bit of fun in Spain!

 

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Europe

Travel Tip: Train to Pisa from Florence

Whether you spend a half-day or full day in Pisa, we recommend that you Train to Pisa from Florence. It’s the fastest and cheapest way to get there.

Avatar of Cole Burmester

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Traveling by train is one of the best ways to see the beautiful countryside of Italy. The train from Florence to Pisa takes about an hour, and the journey is stunning. The route takes you past vineyards and medieval villages, through tunnels and over bridges, with breathtaking views of the Tuscan hillsides. You can even see the Leaning Tower of Pisa as the train approaches the station.

Woman traveling by train looking out of window

Upon arrival in Pisa, you can explore the historic center and visit the famous cathedral, before enjoying a leisurely lunch overlooking the River Arno. With its stunning scenery and convenient location, a train trip from Florence to Pisa is a great way to spend a day in Italy.

Leaning tower of Pisa, HDR, Italy

How to get to Pisa from Florence

You have a couple of different options for your own half-day trip to Pisa from Florence depending on how you like to travel. But if you are like us and enjoy travelling around Italy by public transport, then you will definitely want to train to Pisa from Florence.

Train to Pisa from Florence

Florence and Pisa are less than 100 km apart and the easiest way is to train to Pisa from Florence. The entire trip one-way takes approximately an hour depending on your route with no transfers.

Trains leave from Florence S.M.Novella for Pisa Centrale a few times every hour. The closest train station to the leaning tower of Pisa is Pisa San Rossore, but it’s not worth the extra time or transfer required. Pisa itself is small and it takes less than 30 minutes to walk to the leaning tower from Pisa Centrale.

Plus you get to explore more of the city such as the River Arno lined with beautiful stately homes.

Pisa River, train from pisa to florence

If you want to book online then a one-way ticket by train to Pisa from Florence will cost from €7.80 (US$10.40) in 2nd class. It is important to make sure that when you are searching online via the Italian train booking site, Trenitalia, you search for “Firenze” rather than Florence.

The train schedules are very easy to understand so we recommend booking your ticket from the self-service machines on the train platform. The return journey is just as easy in reverse. Just watch that you don’t miss the last train around 10pm most days and carry cash with you for the ticket.

Finally, validate your ticket before boarding the train. We forgot a couple of times but used the typical “I’m a stupid tourist” line to get out of any fines.

Bus to Pisa from Florence

Another option is to catch the bus to Pisa from Florence.

There are two main bus companies, Terravision and Autostradale, run regular buses to and from Pisa Airport and Florence Airport into the Florence city centre, they don’t actually go into Pisa itself. The train to Pisa from Florence is so reliable, fast, and cheap, that you may not want to consider this option.

However, there are some advantages to taking the bus. You will see a lot more scenery from the window of the bus, and it’s definitely cheaper; sometimes you can find fares as low as 4 Euros, especially on Fridays.

Travel Guide to visiting Pisa from Florence

Driving to Pisa from Florence

If you have hired a car or scooter in Tuscany then you might look at driving to Pisa from Florence. However, even though the distance is less than 100km, the trip will still take approximately 1 hour.

Aside from the fact that the train to Pisa from Florence typically takes less time than driving, you also have to avoid the crazy Italian drivers. Not to mention trying to find a carpark in two of the most popular cities in Italy. Impossible.

Travel to Pisa from Florence by train, Leaning tower of Pisa HDR

Guided Tour to Pisa from Florence

If you have been enjoying the sunset in Florence and all the city has to offer then you might want to take in a guided tour to Pisa from Florence. Not only do you get a great guide to learn all about the history of the area, you also don’t have to worry about getting to Pisa from Florence.

You might want to check out this guided tour around Pisa or get a little bit more adventurous and try out a segway tour in Pisa. Perfect for the family and it will keep the kids entertained between stops.

If you have a whole day, and haven’t managed to fit in a hike around Cinque Terre, then we recommend looking into the Pisa and Cinque Terre day tour. Lasting roughly 12 hours, you will travel from Florence to Cinque Terre, with a 2 hour stop in Pisa to see all the main sights.

We also reckon guides help you get the best photos, as they have seen all the poses.

Adela funny jumping Pisa

Tell us below if you have taken any funny photos in Pisa!

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Travel Tips

Everything You Need To Know Before Buying A Yacht

Avatar of Warrren Hamels

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Spending time on a yacht is a great way to relax. You can cruise, do water sports, try your luck in fishing, or you can even entertain guests on your yacht. However, a yacht is still a significant investment, so you must learn as much as possible before buying one.

If you are pondering buying a yacht, there are several things that you need to know. You should ask yourself what type of yacht you want to buy and what type best suits your needs.

Aside from this, you also need to determine your budget for purchasing a yacht. Boating safety courses and trial runs are also essential to ensure your safety while on your chosen yacht.

What Do You Want In A Yacht?

 

When buying a yacht, you must ask yourself, “What do I want in a yacht?” Do you want the yacht to be big? Do you want to use the yacht for fishing?

Answering the questions about the yacht you want can help you determine your priorities in buying a yacht. Take, for example, if you want to utilize your yacht for watersports. Certain types of yachts cater to watersports, like wakeboarding and wake surfing.

Another popular way to spend time on your yacht is an overnight cruise. If you want to do this, you should consider the size of the yacht you want to buy. Can it accommodate passengers sleeping onboard?

Questions like these can help determine if you need different amenities in a yacht, like cabins, cooktops, and relaxation areas.

How Much is Your Budget?

Now that you have determined what you seek in a yacht, it is crucial to set a comfortable price for your pockets. When buying a yacht, you can get carried away by all the types and models available.

It might be tempting to go above your budget when buying a yacht, especially when so many options are available. However, it is vital to research yacht prices on manufacturer websites, as well as sites of brokers and dealers.

After all, it is necessary to keep the costs of maintaining a yacht in mind. Some costs of owning a yacht include insurance, repairs, fuel, and general upkeep.

Determining your budget for the yacht and sticking to it can make the most out of your yacht purchase.

Where Do You Buy A Yacht?

Since a yacht is a significant investment, going to a trusted and reliable dealer is your best bet. You can visit websites or written material to gather information about a prospective dealer.

Seasoned dealers need to know your lifestyle to determine what type of yacht suits you best. They can ask questions about your boating preferences, whom you boat with, and other similar queries. They use this information to match you to the yacht that best fulfills your needs at the right price.

Should You Try the Yacht Before You Buy It?

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Try and test the yacht that piques your interest as much as possible. If you know a yacht owner with a model you are interested in, you could ask to check the yacht out. Doing this helps you assess the amenities and features of the yacht before you make the big purchase.

Boat shows, if available, are also good ways to see and assess the yacht of your choice. Well-known brands do these shows, allowing you to see and experience the yacht.

What About Your Safety?

Some places require a recreational boat license for you to sail on your yacht. However, you can easily avail classes to sharpen your boating skills. These can help you learn how to sail on a boat and some basic safety measures while on your yacht.

You can look for information on the official website of your local or national maritime safety authority.

How Do You Buy A Yacht?

Buying a yacht might seem like a long, detailed process, but it is pretty straightforward. First, you need to find out what you want in a yacht. In other words, determine your purpose for buying a yacht.

The next step is to set a clear budget and the amenities and size of the yacht you want to buy.

Conclusion

Sailing on a yacht is not a simple task, so acquire all the necessary documents to operate a yacht. The necessary paperwork can include a boating license, boating safety courses, and other relevant documents.

Test the yacht before you commit to it, and make sure that you are comfortable with it before purchasing it. You can attend boat shows and dealer demos or ask someone with a similar yacht to let you assess their yacht.

Lastly, find a yacht dealer that wants the best for you. Finding the best dealer can make your yacht buying process much more manageable. Reliable dealers will keep your budget and goals in mind while matching you to the yacht of your dreams!

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Meet Cole and Adela

Cole and AdelaWe have been wearing out our jandals (Kiwi for flip-flops) on our travel adventures around the world since 2009. We think our blog is thought provoking and a little witty. But we have been proven wrong before. Find out more about us here...

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