MAd Town 2009 – Find The Info About hotel and travel

by billyqiu

Is Travel Insurance Really Necessary?

Travel is already expensive enough, isn’t it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough.  I don’t know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible.   Is travel insurance a necessity or a luxury?  Why not cut a few corners here and there. Why buy something if it’s not really needed?

My personal answer is, of course, that I am not independently wealthy and can’t withstand the potential financial losses if I require medical care while I’m traveling.  Not being independently wealthy also means that I’m in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance.  If you’re still not sure about that, consider the following.

Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased travel insurance.  In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance.

This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.

Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won’t break your budget.  You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card.  If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of travel insurance. However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the travel insurance coverage you need.

How Much Can You Expect To Pay?

When I bought my first plane ticket to China a few years ago it cost around 00 round-trip, and my travel insurance cost me over 0 because I didn’t shop around for cheap travel insurance online.   

A few years later, a little bit older and wiser, and my travel insurance for another trip to China cost me much less–about 0 for roughly the same coverage. The difference? Before buying my travel insurance for the second trip, I shopped around online and got the coverage I needed, at the right price.  If I’d have purchased my travel insurance for this latest trip from my travel agent, it would’ve cost me about 0 for the trip, and my plane tickets only cost ,500!  Not exactly the smart way to go.

So how much will it cost you? Not as much money as it will cost you if you get sick or injured abroad and you don’t have any travel insurance coverage! That’s the obvious answer to the question.

In fact, how much travel insurance costs will depend on your age and the type of coverage you choose. Basic policies cost as little as .50 USD per 00 of coverage. On the other hand, you can expect a full coverage policy to cost you from 7 to 10% of the cost of your trip, depending on your age. The older you are, the more you will pay. No matter what the cost of the policy, however, it’s sure to be much less than the cost of medical evacuation!

The good news is that you can easily, conveniently and quickly research and locate excellent but cheap online travel insurance and reduce the costs while making an informed purchase.  This is much better than taking what you are offered at the travel agency because you can choose from hundreds of travel insurance companies and polices and save yourself a lot of money in the process.  One place you can start your search is at Travel Insurance Central, http://www.travel-insurance-central.com

What You Should Consider When Buying Travel Insurance

To assist you in your research, here are some suggestions to help you make an informed purchase.

1.  Consider the worst-case scenario. If you can financially withstand the worst-case scenario then maybe you don’t need travel insurance or maybe you don’t need a comprehensive policy.

2.  Make sure the policy you are considering provides adequate medical/dental coverage, including medical evacuation coverage just in case you need medical care in a place where the best treatment available is below the standards you are accustomed to in your country.  This can happen if you fall ill in a developing country or even on a cruise ship.

3.  Check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.

4.  If you are a frequent traveler, you should consider annual or year-round travel insurance policies. Sometimes they are called multi-trip travel insurance policies. Whatever the name, these policies can be relatively cheap when compared to single-trip travel insurance policies.

5.  Know what you are buying, so read the fine print. Make sure that you understand what the company considers to be a legitimate reason for cancellation or interruption.  If the list is too restrictive, maybe you should consider another policy.

6.  Don’t restrict yourself to buying only from your travel agent. He/She will probably only have one company’s product(s) available, and it’s there for your convenience, but that convenience can be quite costly!

7.  Ask lots of questions about the coverage. Play the “what if” game. Ask for clear explanations of terminology.  Make sure that you and the travel insurance company are speaking the same language.

8.  Don’t buy the insurance through your transportation provider. If the airline goes bankrupt, how adequate will your insurance coverage be?

Once You’ve Bought Your Travel Insurance

Remember that your travel insurance policy covers you between certain specific dates, so don’t start your trip early or extend your trip without first changing the dates of coverage on your travel insurance policy. Of course, this might cost you extra, but that’s cheaper than finding yourself without coverage when you need it the most.

Also, it almost goes without saying that you should bring your travel insurance policy with you when you go abroad.  You can’t consult the policy if it’s sitting on your desk at home.  You should also carry your travel insurance company’s toll-free assistance phone number and other contact information with you wherever you go.  It does you no good if you get ill or hurt and the necessary policy information is sitting in your hotel room.  It’s also a good idea to bring your regular medical coverage cards and info with you.

I hope these tips will help you by the best travel insurance for you.  Then take your trip with the peace of mind that comes from knowing that you are insured by the right travel insurance policy at the right price.  Bon voyage!

by LucaDeravignone.com

Guide to Lanzarote Holidays

Location Of Island

Travel west from the coast of Africa (the Iberian Penninsula to be exact) – about 125 kilometers west – and if you started in the right spot, you might just find yourself on the Island of Lanzarote. This island is the northeastern most of the Canary Islands, and is the fourth largest of the islands of the chain, which is owned by Spain.

How To Get There

You can get to the Island of Lanzarote through the Arrecife International Airport, which saw over five and a half million passengers in a single year (2006) alone. Aside from agriculture, the tourism industry is almost the only industry on the island, and is a booming one, having been primary in the island for about 40 years.

Lanzarote Weather

If you are planning a holiday to Lanzarote Island, no need to worry overmuch about a jacket. Night time in the winter can drop as low as 14 degrees centigrade, but it rarely dips so low, and almost never below that, making it a nice, warm climate, especially in the summertime when temperatures can rise as high as 32 degrees centigrade (though rarely higher than that). The cooling trade winds of the North Atlantic create this temperate climate, keeping it from rising as high as the nearby Sahara, and keeping the climate pleasant and beautiful.

Island Landscape

Relatively recent eruptions (in the 18th and 19th Centuries), have left parts of the Lanzarote landscape looking alien or lunar, and the lack of erosion because of the low precipitation rate means that these incredible landscapes look much like they did just after the eruptions. The area is beautiful and unique, and movie fans will love the fact that parts of Planet of the Apes was shot on the island.

Attractions & Surroundings

Except for the Grand Hotel in Arrecife, local regulations on development mean that there are no high rise buildings on the island, and there are no billboards, either. The island is beautiful and unspoiled, though it is undoubtedly settled. Pay a visit to the island to see attractions like Jameos del Agua, a cave complex with a natural concert hall, a restaurant and museum, and an underground lagoon. There are man-made attractions as well, both historical and modern. You can pay a visit to the Wine Museum of Lanzarote, or check out the Castillo de San Gabriel in Arrecife, which is a 16th Century fortress overlooking the Arricife Harbor. No matter what your tastes, you are sure to find something pleasing in Lanzarote.

by chiaralily

Guide To Prague City Breaks

Knowing where to go in Prague while on a break either during traveling through or stopping and staying is to know something about the city itself. Prague is the Capital of the Czech Republic and a famous historical city as well. Prague is known for hosting events like the Film, Music, and Writers Festivals as well as Fashion Shows. There is more money going through Prague than most places in all of Czech.

Prague Hotels & Sights

Prague has a wide range of hotels offering luxury and budgeted stay. The famous hotels of Prague are Corinthia Panorama, Corinthia Towers and Hotel Hilton Prague. Not to mention Prague has some of the most inspiring architecture around, one such is the St Martin Rotunda with its beautiful rounded design and historical significance. What about the grand Prague Castle and the glorious St Vitus’s Cathedral with its many spires and stained glass windows. Both of these will inspire even the most hardened of hearts and give you a memory you will never forget.

Prague City Break Attractions

There are other magnificent Churches you can visit while you are on your Prague city break, the Church of St Nicholas that brings the old world style and modern glamour in one. Then there is the view of the Wenceslas Square or the Prague Gardens such as the Petrin Park. The bridges in Prague are something else that should not be missed one fine example is the Charles Bridge.

The Neo Gothic towers of St Peters and St Paul, here you can see where myth and legend meet history are viewable by anyone and everyone as the first seat of Czech Princes and Princesses. You will also want to visit the Astronomical clock dial, which was made in 1410 by Mikulas of Kadan and Jan Ondrejuv called Sindel. There is also the National Museum to visit, the Rudolfinum or House of Artists and of course the many art galleries. You can find yourself basking in history or mixing it with the modern world.

Getting Around Prague

While on your Prague City Break you might find yourself wanting to spend more than a few hours wandering around and need a place to stay. Well with the new Ruzyne Airport only 20 km northwest getting there is easy, public transportation made up of trams and Buses or car rentals you can get around Prague easily and efficiently. There are many hotels in Prague to choose from Corinthia Panorama, Corinthia Towers and Hotel Hilton Prague to renting an apartment.