Travel Insurance For Long Distance Traveling

Currently, many insurance products offered to the public to provide tranquility for a customer when he was on the move. Whether on a business trip, vacation, or just a regular trip. Now, almost all insurance companies have and offer this travel insurance product. Despite the different name, it still has same goal, which is to protect yourself and your family, when we travel far.

Travel insurance is an insurance product offered to the public who often travel long distances, in both Indonesia and the world, for business purposes (business), tourism or just a regular trip.

In order to travel, we must deal with a number of risks. It could be you or a member of the family suddenly ill or suffered severe injuries in an accident. For that, it is advisable for us, before a long trip, we should prepare ourselves with insurance products such as travel insurance. Spend a little more to buy insurance products when travel far is more beneficial than not buying at all. The reason is, anything can happen. Protecting yourself with travel insurance will provide security to the families left behind.

Variety of travel insurance products offered by insurance companies offer different benefits. Therefore, premiums and collateral offered is also different. There are insurance companies that provide security for travel around the world, but a few insurance companies cover Indonesia area only. There is also an insurance product specifically for aviation (air) alone, between ports (sea) only, between terminals or between stations (land) and some of them covering the whole journey. Similarly, there are also insurance company that cover for a period of time, there are only between airports, meaning that customers are insurance protected only when he departed from the airport to the airport A to B. However, there is also a guaranteed per week, per month or per year.

Guarantees given by them are different, depending on the premium paid. The greater the premium paid and the longer the policy agreement, then the greater the assurance obtained. For example, there is no guarantee that only for the accident and death alone, and there are also other collateral in the form of health insurance, luggage, motor vehicles (if it travels by private vehicle) to the repatriation corpse.

There’s even a travel insurance that can provide security when something bad happens to her policy holders of robbery in the middle of the road before reaching the destination country. The more coverage provided, the better for policyholders.

With the diversity of benefits offered, it will be more complete, if the home, family and possessions we leave behind is also equipped with insurance products, such as robbery insurance, earthquake, life, health and others. With this entire insurance guarantee, wherever we go, peace is always with us.

Travel insurance products, not only provide security or protection for its customers in terms of personal accident. There is also covering all losses incurred during the trip progresses, such as personal accident, medical expenses (medical care, including treatment) and third-party insurance coverage law.

Travel insurance provides comfort and reassurance when you are out.

Online Travel Guides Having a Heyday

As Online Travel has caught the fancy of the internet savvy travelers the online travel market is booming. No wonder that the online Travel is one of the fastest growing markets worldwide. India is also not left behind in this race as according to industry Pundits, Online Travel Market in India would be worth around US $ 6 Billion.

As a logical extension to such buoyancy, Travel Guides have shown a steady rising to move online and in the process fulfilling the needs of the niche readers. Both traditional print brands as well as purely cyber entities are slogging it out to grab the attention of this niche segment. The publishers of print brands after their initial reluctance have also started embracing the web and publish all their content online.
Travel Guides

Let’s take a look at what the Travel Guides offer. Travel guides have become a necessary tool for anyone who is thinking of vacation. A Travel Guide is full of helpful advice, precise information, good ideas etc besides being well-written, well laid out as well as well indexed.

These City centric guides provide information on all aspects of travel. You can get good information on How to Reach, Attractions, Excursions, festivals, History along with the various kinds of accommodations available like lodges, hotels, resorts and the bed-and-breakfasts. Convenient maps make it easy for the newcomers to exactly pinpoint any destination.

An ideal Travel guide should also briefly outline the recreational activities coupled with more mundane activities of life that can be done in a particular city. Another important aspect that is generally missed out is the public transport of the cities where a traveler lands up. A genuine Travel Guide is also supposed to give precise information of the state of public transport highlighting bus routes, Cabs and Auto fares.

Another important aspect of a City Guide is to have a semblance of balanced information. This is important because travel can be both for as well as business.

Pros and cons of Online Travel Guides

More and more people are into researching the internet as a result the Online Travel Guides have become quite popular as compared to their print counterparts. However both the two brands have their own set of advantages and limitations.

Online Destination Guides are successful in tapping user-generated reviews and provide the added advantage of E- Commerce options. So surf the web pages of the guide and book flights, hotels and other arrangements at one go directly through the site. Another great feature of the Online Guides is that there is ample scope for value addition. For example Indian railway has planned a new train to connect Amritsar to Kasargod. This information can be easily updated in the Guide for the travelers to see.

As Hotels and rental agencies change their rates according to season and local competition, online travel guides also offer a dynamic lot of packages based on such variances. However coming to the flip side of it is very difficult to find Online Travel guides bereft of commercial influences. It is not uncommon to see many sites that are setup to merely attract the potential customers to a particular establishment, or sites giving reviews by travelers may not be wholly independent.

To conclude Online Travel Guides have become a very good way to gather information about smaller cities of India that has an immense tourism potential but often neglected. For example the whole of North east, Northern Kerala neglected as a tourist spot over the years have seen good tourist influx thanks to the ubiquitous travel guides.

Can I Afford Travel Insurance?

“Do I need travel insurance?” shouldn’t be the million dollar question you should be asking yourself when you are planning a trip or holiday – whether its seven days away in the country you live in, or three and a half months away travelling around the world.

Rather, “Can I afford travel insurance?” is the question you should instead be asking yourself. If your answer to “Can I afford travel insurance?” is “no”, then quite simply you can’t afford to go on a trip or holiday.

You wouldn’t own a house without having home and contents insurance, and you wouldn’t own a car without having car insurance. Likewise, you wouldn’t travel without travel insurance.

It’s not only a case of your luggage getting lost. What if you fell off an elephant in Chiang Mai? Medical treatment costs abroad are very high, and you are personally responsible for paying for the costs.

Unfortunate incidents can happen without warning at any time, and at any place where ever you happen to be in the world. Taking out a travel insurance policy is priceless. It gives you peace of mind.

Possible needs for travel insurance include:

• Travel Services Provider Insolvency
• Medical and Dental Expenses
• Additional Accommodation and Transportation Expenses
• Amendment or Cancellation Costs
• Luggage and Travel Documents
• Delayed Luggage Allowance
• Money
• Rental Car Insurance Excess
• Travel Delay
• Resumption of Journey
• Hospital Incidentals
• Hijacking
• Loss of Income
• Disability
• Accidental Death
• Legal Expenses
• Personal Liablity

Just with any other insurance contract, you must look at the schedule of benefits before committing to any travel insurance contract. This is because you need to understand precisely what you are covered for.

So ask yourself,”Can I afford travel insurance?” Or ask yourself in another way, “Can I afford not to have travel insurance?”

The cost of travel insurance is a small price to pay, compared to your total budget of your trip or holiday.

And if you take out travel insurance before you go away, and some unforeseen event does eventuate, it’s also a small price to pay. Imagine coming home with a $1,000,000 lawsuit against you.

There’s a wide spectrum of travel insurance products on the market. When asking yourself,”Can I afford travel insurance?” determine which option suits you best. Some of the options include: international single trip or annual multi-trip; domestic single trip or annual multi-trip; business travel insurance; winter sports insurance; backpackers insurance; cruise line insurance; and family insurance.

So there is no excuse to leave home without it. If you do forget something, just don’t let it be travel insurance.