Guide to Insurance

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One Trip Travel Insurance

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A lot of money is being invested today in traveling. Cruise lines, resort package deals, and air travel can easily run into thousands of dollars. You may have invested some of that money on your trip and can risk losing it all. Some people either don't think of getting travel insurance or they just don't want to. Some may think they are in perfect health and they are physically active, what could go wrong? If something does, they will deal with it then.



Why should you buy travel insurance?

Why not? It's relatively inexpensive. The cost is typically about five to ten percent of the total outlay for the trip. There are literally hundreds of things that can go wrong on a vacation, from a cancelled flight to a serious illness. In some rare cases an act of terrorism or the financial default of a travel supplier can cost money you had originally planned to spend in more enjoyable ways. An illness, accident or other unforeseen circumstance can force a traveler to cancel or interrupt their plans. In that instance they face two major losses: nonrefundable deposits and medical expenses not covered by insurance

Suppose you find yourself in some mishap that leaves you far from home with no money and unable to keep the reservation you already made with no refunds available. This is when it makes sense to purchase travel insurance.

Most trip/travel insurance will cover trip cancellation, trip interruption or delays, medical, dental, emergency medical transportation, lost luggage, accidental death, financial default of airlines, and cruise lines.

Here are some common questions often asked by travelers

What happens if a traveler must cancel their vacation?

Often times a traveler could lose nonrefundable deposits and prepayments that add up to hundreds if not thousands of dollars. A good travel insurance plan should provide trip cancellation coverage for the traveler's vacation investment and the insurance company should reimburse the traveler for all pre-paid, nonrefundable expenses.

How does trip cancellation and interruption coverage work?

It reimburses for forfeited, nonrefundable, unused payments or deposits if the traveler must cancel or interrupt their trip due to a covered reason.

Does travel insurance cover acts of terrorism?

Some travel insurance policies do not cover terrorism. They may only cover terrorist acts that occur in foreign countries. Others can cover terrorist incidents both in the United States and abroad.

What is the cost of travel insurance?

The cost of travel insurance is based on the value of the trip. It normally will run between 5 and 10 percent, based on the age of the traveler. Typically, the average cost runs around five to seven percent of the trip cost.

What if the airline, cruise line or tour operations goes default?

Almost all travel insurance policies include financial default coverage if the program is purchased within 15 days of making the initial trip deposit.

Always check for duplicate coverage

There are a few types of insurance related to travel that you may not need because you are covered from other sources. Your health insurance, life insurance or even your car insurance polices may have limited coverage. Thus, you could be buying duplicate coverage. It is important to always compare with your existing insurance policies to insure there are no duplications.

Be sure to check the ?fine print? for hidden limitations on these existing policies. After researching your current polices, it may seem you are already covered on the surface, but the fine print could limit certain conditions, circumstances, situations or locations. The fine print is written in ?legalese? that is hard to understand.
One Trip Travel Insurance
In November 2007 the MS Explorer, carrying over 150 tourists and crew hit an iceberg in the Antarctic and sank. Miraculously, no souls were lost or turned into human lollipops, but it was a terrifying ordeal and a lucky escape for those onboard. Perhaps it was a timely and sobering warning that this type of tourism should never be marketed like a Disney attraction. Let's hope it also served as a warning to those who think travel insurance is an unnecessary expense!

Trips to the Antarctic have become very popular in recent years with tourists heading south in their thousands. Have our fears about global warming and climate change caused this massive migration to the Poles to see the magnificent glaciers and landscapes before they disappear? Al Gore has to be commended for his efforts, but is he to blame? Or should we blame all the cute penguin films, like Happy Feet?

At one time it was a place only visited by explorers and scientists and not looked upon as a tourist destination, but times are changing. Conservation groups are concerned about the impact of so much tourism on the environment and calling for limits on the number of visitors.

Most trips to Antarctica are made on ships departing from locations in South America. The routes are designed to take in areas where the largest amount of wildlife can be viewed. There are faster ways to see Antarctica though. For an aerial view you could take a tourist flight departing from Australia or New Zealand. It's a round trip of about eight hours. Whichever way you do it you'll be leaving a carbon footprint with your happy feet and stinking up the pristine air! This new type of adventure tourism seems here to stay. Like a penguin slithering down an icy slope to the sea - it can't be stopped.

With the ice sheets melting at a frightening rate, sea levels look set to continue rising. Despite this, Antarctica holds the record for the world's lowest recorded temperature at -129'F (-89'C) during 1983. You wouldn't even be able to say 'Brrr'. It's hard to imagine. I experienced -28'F in Colorado and saw a cat frozen as stiff as a board. When you stood it up it looked alive with tail held aloft in a friendly but icy greeting. My friends stood it next to their mail box to greet visitors (sentimental they are not, those leathery ranchers). I've heard that freezing is the most painless way to die but I'd prefer not to test that theory personally - and it's too late to ask kitty.

In case you're unsure, Antarctica is located in the southern hemisphere, around the South Pole. The Arctic is north. (You'd be surprised how many people don't know). All but about two-percent of Antarctica is covered with ice. Many people mistakenly believe there are polar bears in Antarctica, but they are only found north in the Arctic regions.

Antarctica has dormant volcanoes and an active one at Mt. Erebus on Ross Island. The highest peak is Vinson Massif at over 16,000 feet (approx. 4,890m). We are familiar with the Northern Lights (Aurora Borealis) but in Antarctica the phenomenon is known as the Southern Lights, or Aurora Australis. Antarctica has no government and belongs to no country, although various claims have been made on parts of it. It still belongs to the penguins and I vote they continue to rule! At least when a penguin makes a fool of itself it's cute and funny - in contrast to most politicians.

Many brave explorers risked their lives in the hostile environment, icicles hanging from their grizzly beards. They had solid, masculine 'don't mess with me' names like Sir Ernest Shackleton, Robert Falcon Scott and Roald Amundsen.

Nothing much can survive in such an environment in the way of flora and fauna, other than penguins, fur seals, whales, hardy varieties of algae and lichen and some ugly-looking bugs. There are several species of birds, including Skuas, Petrels and Antarctic Terns, but only a few are passionate enough to breed in those icy temperatures.

Not surprisingly, there are no humans living permanently in the Antarctic, although since the 1700s sealers and whalers have spent time in the area. The research stations run by various governments and agencies are staffed during the summer months, and many year-round. A wide variety of scientific experiments are carried out but the most talked about in recent decades has been the hole in the ozone layer - which is believed to have been caused by us messy humans.

The hole is also being monitored by NASA satellites, or are they really looking for the alleged missing Apollo 11 original Moon walk tapes? Many meteorites and craters have been discovered so who knows what might be uncovered down there. Perhaps they'll find Amelia Earhart or the missing Child Benefit CDs which our government carelessly lost. Rumour has it the reason the government wants us to carry identity cards is as a back-up system for when they lose our personal data. At least we'll know who we are, even if they don't.

It's not surprising that we want to see Antarctica ourselves but perhaps we should be content with staying in the warm and watching documentaries or films like March of the Penguins. In the animated film Happy Feet, the penguin 'Mumble' was unable to sing to attract his true love because he had an awful voice and so resorted to tap dancing to woo her. I didn't see this particular film, but presume he got his girl in the end - fish breath and all. Whatever they have to do to survive, perhaps we should think more about their welfare and leave them alone. If the ice shelves keep collapsing there'll be nothing left for them to tap dance their happy feet on.
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About Author
Both Tommy Stephens & Jean Andrews are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Tommy Stephens has sinced written about articles on various topics from Arts, Travel and Leisure and Web Development.
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