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<title>Travel Insurance Blog</title><link>http://www.holidayguard.com/index.php</link><description>Travel Insurance Blog&#x2c; News and Travel Tips from HolidayGuard.</description><dc:language>en</dc:language><dc:creator>HolidayGuard</dc:creator><dc:rights>Copyright HolidayGuard</dc:rights><dc:date>2012-04-22T11:40:05+04:00</dc:date><admin:generatorAgent rdf:resource="http://www.realmacsoftware.com/" />
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<lastBuildDate>Thu, 21 Jul 2011 14:04:03 +0400</lastBuildDate><item><title>The Pros &#x26; cons Of Buying Annual Travel Insurance</title><dc:creator>HolidayGuard</dc:creator><category>annual travel insurance</category><dc:date>2012-04-22T11:40:05+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/annual-travel-insurance-pros-and-cons.html#unique-entry-id-14</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/annual-travel-insurance-pros-and-cons.html#unique-entry-id-14</guid><content:encoded><![CDATA[Annual Travel Insurance for multiple trips is definitely a money saver, especially for families, but its not without a few disadvantages. here is an article on the advantages and disadvantages of annual travel insurance.
]]></content:encoded></item><item><title>Why Expats Need Travel Insurance When Going Back Home</title><dc:creator>HolidayGuard</dc:creator><category>expat travel insurance</category><dc:date>2012-02-06T18:17:48+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/travel-insurance-for-expats.html#unique-entry-id-13</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/travel-insurance-for-expats.html#unique-entry-id-13</guid><content:encoded><![CDATA[Most expatriates assume that they are entitled to government medical services when they return back home for a break and consequently don&rsquo;t need travel medical insurance.   Unfortunately that is not the case, at least not for the British expats.   The UK NHS does not provide medical treatment to non-residents.   The way it works is, if you are not paying taxes in the UK you are not entitled to the NHS medical.   See the NHS website for more information.


This policy is not limited to just the UK, so ensure you check with the concerned authorities in your country of origin and your new country of residence before travelling.   Finding the right travel insurance for expats can be a challenge because most travel insurances have regional sales restrictions and the known insurance companies may not be available in other countries.   Having said that,  HolidayGuard may be purchased by anyone, except residents of US & Canada.


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<!-- AddThis Button END -->]]></content:encoded></item><item><title>Importance Of Travel Insurance When Visiting Friends &#x26; Relatives</title><dc:creator>HolidayGuard</dc:creator><category>travel insurance</category><dc:date>2011-12-22T10:56:23+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/importance-of-travel-insurance.html#unique-entry-id-11</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/importance-of-travel-insurance.html#unique-entry-id-11</guid><content:encoded><![CDATA[The last thing you want to do to a gracious host when staying with them is to become a burden on them, regardless of whether they are close relatives or friends.   Things can go very wrong, very quickly, a simple case of food poisoning or an injury can costs in thousands of dollars.   But despite this, most people ignore travel insurance when visiting friends and relatives. 


These incidents are so frequent that the UK Foreign Office has made it a part of their &ldquo;know before you go" campaign, video below.


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]]></content:encoded></item><item><title>UK Foreign Office Advise On Ski Travel Insurance</title><dc:creator>HolidayGuard</dc:creator><category>ski insurance</category><dc:date>2011-12-05T15:46:24+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/sk-insurance.html#unique-entry-id-10</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/sk-insurance.html#unique-entry-id-10</guid><content:encoded><![CDATA[Despite constant travel advises and reminders 20% of skiers still go on ski holidays without adequate ski travel insurance.   Here is the FCO&rsquo;s Article on the importance of taking ski insurance and other useful pointers for skiers.


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<!-- AddThis Button END -->]]></content:encoded></item><item><title>Annual Travel Insurance Buying Tips</title><dc:creator>HolidayGuard</dc:creator><category>annual travel insurance</category><category>business travel insurance</category><dc:date>2011-09-15T14:40:07+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/multi-trip-insurance.html#unique-entry-id-9</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/multi-trip-insurance.html#unique-entry-id-9</guid><content:encoded><![CDATA[Images Of Money


Annual Multi Trip Travel Insurance allows you to travel as many times as you can in a 12 month period.   It is ideal for frequent travellers and also families that travel more than twice a year.   Many people buy annual travel insurance and then discover that it is inadequate for some trips and end up sending more.


Here are some tips to consider when buying multi trip insurance:


	&bull;	Check the coverage area.   Some travel insurance companies don&rsquo;t cover travel to certain regions or countries and you could end having to buy another single trip cover to such areas.


	&bull;	Annual Travel Insurance has a ceiling on the number of days per trip.   This ranges upwards of 21 days, so ensure you check this point.


	&bull;	Check what &ldquo;Extras&rdquo; are included, most companies will provide free ski insurance for 14 days or more.


	&bull;	If you have a family then the number of children may be important to you, usually up to 4 children under 18 are covered for free.   In fact the premium for families work out cheaper than the cost for just 2 adults.


	&bull;	If you travel often on business, ensure the &ldquo;personal items&rdquo; protection is adequate to cover the business equipment as well.   Some insurance companies provide business travel insurance cover for a small addition to the premium and its valid for all your trips.


	&bull;	By definition the Annual Travel Insurance is valid for an entire year, so its advisable to check the payout ceilings for covers like medicals, cancellation, etc.   The rule of thumb is; the cheaper the premium the lower the payout.   Here is a good article on the realities of cheap travel insurance.


	&bull;	Always check the deductibles!   This is the amount the insurance companies deduct before settling your claim.   For instance, say you get a bout of food poisoning and your claim is $500 and say the deductible for medicals is $250, in this case you will only get $250!   Some companies have very high deductibles, especially the ones with cheaper premiums - so watch out!


	&bull;	Most multi trip insurance are for international travel, but some provide domestic travel insurance cover as well for trips within your own country.


	&bull;	Ensure the start date of the cover is the first day of your next trip and not the date of purchase.


	&bull;	Always ensure you buy from a company regulated by the government, like the UK Financial Services Authority.


	&bull;	Always read the company&rsquo;s Policy Document Wording and get written clarifications on whatever is unclear before even thinking of buying.


If you have any questions or would like more information please feel free to Contact Us.


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]]></content:encoded></item><item><title>When You Don&#x27;t Need Travel Insurance</title><dc:creator>HolidayGuard</dc:creator><category>trip cancellation insurance</category><category>travel medical insurance</category><dc:date>2011-09-01T11:29:52+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/without-travel-insurance.html#unique-entry-id-7</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/without-travel-insurance.html#unique-entry-id-7</guid><content:encoded><![CDATA[People buy travel insurance to mitigate travel related risks, so the reason for buying varies depending on what your risks are.   The major ones to consider are usually:


Trip Cancellation Insurance


Flights, Hotels and even car-rentals have stringent cancellation policies and the last thing you want is to forfeit the trip and lose money because you or someone else on the trip is unable to travel because of illness, injury or even death.


However if you are driving to another state in your own car and staying with friends or family this risk is very low.


Travel Medical Insurance


Medical treatment can be very expensive, even something like food-poisoning can cost you thousands of dollars.   Not to mention injuries where you need to be evacuated.


If you are traveling domestically, check the extent of your medical coverage &mdash; in most cases you may be covered.   However, if you are going skiing or doing other sports you may not have adequate cover.


Loss, Theft of Personal Possessions


If you are not traveling with expensive items, then you can overlook this cover.   However if you are traveling with business machines like expensive laptops, you will  need travel insurance.   It is never advisable to travel with expensive jewelry because travel insurance has limitations on how much they&rsquo;ll payout for personal possessions.


Loss and/or Misplaced Baggage


If you are on a short trip with hand-baggage only this is not an issue and long as you are not carrying expensive items with you in the hand-baggage.


If you do have baggage, especially expensive sports equipment like ski gear or golfing equip; travel insurance is a must.


The above considerations may apply for short domestic trips but longer trips, especially international ones, would definitely require travel insurance.   A good travel insurance of course provides you with much more protection that whats listed above, so know what you are risking when traveling without adequate travel cover.


In some instances you'll require insurance for domestic trips as well, like business or sporting trips  where the risks listed above are a reality.
]]></content:encoded></item><item><title>What You Need To Know About Cheap Travel Insurance</title><dc:creator>HolidayGuard</dc:creator><category>cheap travel insurance</category><dc:date>2011-08-23T19:34:54+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/cheap-travel-insurance.html#unique-entry-id-6</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/cheap-travel-insurance.html#unique-entry-id-6</guid><content:encoded><![CDATA[You get what you pay for, travel insurance is no different.   Here is an excellent article that explains what to look out for when buying cheap travel insurance. ]]></content:encoded></item><item><title>The Crippling Cost Of Not Having Travel Insurance</title><dc:creator>HolidayGuard</dc:creator><category>travel medical insurance</category><category>trip cancellation insurance</category><dc:date>2011-07-29T08:10:53+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/Cost_Of_Not_Taking%20_Travel_Insurance.html#unique-entry-id-4</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/Cost_Of_Not_Taking%20_Travel_Insurance.html#unique-entry-id-4</guid><content:encoded><![CDATA[Despite government organisations like the UK Foreign Office and others advising travellers not to travel without travel insurance; an alarming number of people still ignore it at great costs. 


Here are the important travel related costs that travel insurance can shield you from.


	&bull;	Travel Medical Insurance: covers everything from injuries and ailments to emergency evacuation which can costs upwards of US$ 18,000 depending on the distance and remoteness.


	&bull;	Additional Travel Costs: Medical situations have several associated costs like changing flights, additional accommodation, cost of companion, taxis, food, etc, which can run into thousands of dollars.


	&bull;	Personal Liability: This can cost you a lot of money in the event you are sued and in places like the US the risk is compounded.


	&bull;	Personal Possessions: This provides protection against loss, theft or damage of your expensive equipment, like cameras, notebooks, etc.


	&bull;	Trip Cancellation Insurance: Illnesses, accidents and life in general can happen to any of us at many time, but having to cancel your expensive holiday because of it doesn&rsquo;t have to cost you money as well.   Always buy your travel insurance the moment your trip is booked that way you are covered even if the trip is 3 months away!


What most people who travel without travel insurance fail to realise is that the burden of such cost automatically gets passed on to their loved ones.   Here is an instance of parents who are faced with GBP98,000 in medical evacuation costs to fly back their son who is in a coma.


The UK Foreign & Commonwealth Office is an excellent resource for travel related advice and tips; its very useful for everyone.   They even have a &ldquo;Know Before You Go&rdquo; campaign on YouTube thats very useful.


If you cannot afford travel insurance, how will you afford the costs related to not having travel insurance?]]></content:encoded></item><item><title>Who Should Buy Annual Travel Insurance</title><dc:creator>HolidayGuard</dc:creator><category>annual travel insurance</category><dc:date>2011-07-25T17:00:11+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/benefits-of-annual-travel-insurance.html#unique-entry-id-2</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/benefits-of-annual-travel-insurance.html#unique-entry-id-2</guid><content:encoded><![CDATA[Annual Travel Insurance is a money saver for people that travel frequently and /or at short notice.   So who should actually buy multi trip insurance:


	&bull;	Frequent Travelers be it for business or leisure


	&bull;	Families that travel 3 or more times a year.


	&bull;	Project workers who have to travel frequently to client locations.


	&bull;	Expatriates, especially ones with family. 


Multi Trip Travel Insurance Benefits:


	&bull;	No limits on the number of trips you can take in a year.


	&bull;	Automatic travel cancellation protection the moment you book a trip.  


	&bull;	Children under 18 are covered for FREE.


	&bull;	It allows up to 60 days stay per trip and is Ideal for project workers who have to travel frequently.


	&bull;	Free Extras; like free ski insurance ranging from 10-21 days.


	&bull;	Multi Trip Travel Insurance is also known as Annual Travel Insurance.


	&bull;	It is a money saver!


	&bull;	Some Insurers also include domestic trade insurance in their annual travel insurance cover


Please feel free to contact us if have any questions or require additional information.


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]]></content:encoded></item><item><title>Know Your Travel Medical Insurance Cover</title><dc:creator>HolidayGuard</dc:creator><category>travel medical insurance</category><dc:date>2011-07-21T14:05:38+04:00</dc:date><link>http://www.holidayguard.com/travel-insurance_files/Travel-Medical-Insurance.html#unique-entry-id-0</link><guid isPermaLink="true">http://www.holidayguard.com/travel-insurance_files/Travel-Medical-Insurance.html#unique-entry-id-0</guid><content:encoded><![CDATA[Travel Medicare Insurance is definitely the most important cover you need while traveling because medicare is very expensive, no matter where you go.   Here is a recent incident where the parents of a traveler faced costs of GBP 98000 because he decided to travel without travel insurance.


Here are some of the important points you should know about Travel Medical Insurance.


	&bull;	The deductible amount is what your insurer will deduct before paying you.   Say you incur medical expenses of $800 and the deductible is $500;  the insurer will pay you only $300, which is quite pointless.   The deductible can range from $100 to over $1000 and the way it works is; the lower the premium the higher the deductible.


	&bull;	The cover for travel medical is always in the millions, but most insurers set ceilings on payouts for certain elements of the medical cover, so be sure to read their policy wording.


	&bull;	Check the policy wording and read what is covered.   Sometimes this is written in legal double-dutch, so be sure to get clarification on points you don&rsquo;t understand.


	&bull;	The policy wording also lists what is not covered so be sure to check for that.   Also read the general exclusions because instances like war, riots, etc are not be covered.


	&bull;	Travel medicare insurances do not cover expenses incurred for, or caused by pre-existing medical conditions.


	&bull;	Check if additional incidental costs like flights, accommodations, even taxis charges are covered because with a medical situation abroad these costs are more than likely.   Some insurers even covers these costs for whoever is staying with you.


	&bull;	Most trip medical insurance covers Emergency Evacuation, but do check the clauses.


	&bull;	Most insurers will have a Medical Emergency Number, be sure to make a note of it.   The last thing you want to do is have to hunt for that in a crisis.


If you need more information or need clarification please feel free to Contact Us.


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