Travel Insurance for Peace of Mind

Often overlooked as an essential when travelling, having a good travel insurance policy that meets all your needs will really come into its own if something were to wrong, especially if you consider the relatively cheap cost of a policy compared to what you could be paying out if you don’t have any.

When you come to purchase a travel insurance policy the first decision you’re going to have to make is the type of policy that will best suit your requirements. A single trip policy will be suitable if you’re not a frequent traveller and just need cover for a short one off trip. If you’re lucky enough to be travelling a number of times in a year, then you’ll want to look into an annual multi-trip policy which will usually work out cheaper if you plan on travelling more than 3 times a year.

There are numerous specialist policies that cover everything outside the norm. These policies are aimed at those who don’t fit in with the requirements of a single or annual multi-trip policy. Travellers looking for a more adventurous or active trip can get cover which is very specific to their needs with policies for backpackers or winter sports cover.

Remember that travel insurance is there to give you peace of mind so you can relax on your trip and not have to worry about all the ‘what-ifs’. A specialist policy doesn’t always mean an expensive policy and by shopping around you’ll give yourself the best chance getting the best travel insurance for your needs at a good price. It’s certainly worth spending a few minutes getting to grips with the basics of travel insurance after all there is little point in purchasing a policy if it’s not going to cover you for what you need.

There are many things you can do yourself to minimise any hassle or stress and enjoy your trip. Be sure you declare any pre-existing medical conditions you may have as providers may not pay out if you come to make a claim. It’s a given but don’t do anything illegal as your guaranteed to void your policy. It also may not be a good idea to partake in any dangerous activities you may not be covered for.

If you have to make a claim the process will go a lot smoother if you report and obtain documentation for any losses or thefts to the local authorities as providers are likely to ask for this if your claim is for lost possessions. It’s also a good idea to keep a log of your conversations with your insurance provider noting time, dates and who you’ve spoken with.

My Postcard Collection!

I was having a cuppa and whilst staring at the fridge (as you do!), I realised a blog post was staring right at me! Our fridge is always covered in at least one post card and the children’s school work. At the moment the fridge is donned with three postcards from family and friends who have recently visited Egypt, Italy and the Alps in France. Just don’t look too closely at the postcard from Egypt! We also have a collection of fridge magnets from various places, holding both the postcards & school work in place. In the center of the photo, you’ll see a map magnet of Melbourne (my home town), this was a gift from my gorgeous Twitter, travel buddy Linda Fairbairn at Journey Jottings. Her products will be featuring in a post dedicated just for them. Her travel journals, map magnets and other products are fabulous for anyone on a trip to an Australian destination.

Our Blogging First Year!

Travel Tips Plus’ very first blog post was made on the 19 June 2009. The dream, travel destination was Hurghada, Egypt and the format remains much the same today as when I first started. A total of 105 destination posts have been made covering each of the continents and a further 17 posts for the General and Travel Tips Categories.

More recently, I found people were sharing travel photographs and international music with me, and this resulted in the introduction of Categories Travel Photography and Travel Music. I have thoroughly enjoyed my time blogging and sharing travel experiences in one centralised location. I have also gained much from it, often having destinations suggested to me which I have never heard of! Who would have thought? I often consider myself well travelled and being a lover of maps and atlases, my knowledge of geography is pretty good and so when I discover a new travel destination, I’ve not heard of, it is quite exciting. I wonder what places I will learn of and have to share in the year to come?

Student’s Guide To Travelling Overseas

This article was written by Jeremy Cabral who is part of the team at Credit Card Finder, Australia’s most popular 100% free Australian credit card comparison website.

Students looking to travel overseas are often in a tight financial situation. Even if you supplement your studies with a part-time job you are probably looking for smarter ways to travel – ways that let you enjoy your trip while not having to scratch and scrimp your last pennies.

How to Let Your Hair Down Guilt-Free

If you want to enjoy a trip to a sun-soaked beach guilt-free you need to get your finances well in order before you leave home. A great way to do this with relative ease is by putting some money aside each week as early as one year before you leave for your holiday.

It would be foolish to travel with a credit card in tow but no money in your bank account. A sure recipe for financial disaster on your return home.

Handy Tips for Getting Cashed-Up

The following savings tips can help you acquire a nice nest egg for your next holiday. Most of us spend way too much money on things we don’t really need; expenses such as cups of coffee on your way home from uni, gadgets that go out of fashion tomorrow and clothes you won’t be able to wear in 6 months because you’d be laughed at.

Instead, why don’t you aim to inhibit those spending urges in order to save money for a better cause – your next holiday.

Consider Prepaid if You Suck With Credit

Prepaid cards are a great alternative to credit cards. You won’t end up with debt because you can only spend what is yours to start with. If you need extra funds on your card before you leave home you could ask your family to be paid in “cash” for birthdays, Christmas and any other occasion where you’d normally receive presents. If you do, load the cash to your new prepaid card, then keep it tucked away until you are ready to travel.

Consider Your Destination

Some exotic destinations make it very hard to stay fluid with cash. It is a good idea to research your holiday destination because you might need a combination of cash, credit card, prepaid card and travellers cheques to keep cashed-up.

Keep Your Documents in Order

If you are planning an overseas trip, chances are that you might need a visa to visit the country of your choice. The last thing you want is to be stuck at the airport in a foreign country because you failed to bring the necessary documents with you.

Check to make sure your passport is valid for a minimum of 6 months after your planned return home. Trust me, you won’t be the first student stranded overseas because his passport has expired.

If you are planning to do a working holiday you will need the appropriate International work visa. Plus you might want to check the following to cover all of your bases:

Where to Stay

Students love to bed for the night on the cheap. Thanks to a wide range of networks you can stay in comfortable and safe surrounds while mingling with like-minded people. Try the following for fun and to save money:

See the World While You Are Young

Travelling is one of the best education you can have. It will teach you respects, introduce you to other cultures and make you new friends in all corners of the world. Chances are high that you’ll come home a more confident, relaxed person and once you catch the travel bug it will accompany you for the rest of your life. Make the most of it!

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