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March 8, 2010

Multi-Trip Travel Insurance: Helpful Hints

Perhaps you have a job which requires you to travel from time to time.  Perhaps you’re simply someone who has the time and the money to travel for enjoyment from time to time.  Regardless of the reasons why you travel frequently, however, your travel can be made much more enjoyable if you know that you’re protected with multi-trip travel insurance.  Multi-trip travel insurance has been designed by insurance companies specifically for people like yourself.  It’s especially helpful if you’re someone who must travel overseas on a regular basis.

While being caught in an unexpected situation is never the most pleasant of experiences, having it happen when you’re in a foreign country can make it particularly difficult.  With multi-trip travel insurance, you’ll be prepared no matter where it happens.  You can purchase your coverage as an annual plan so that every trip you take for the next 12 months is protected.  Many multi-trip travel insurance plans, however, require that your trips be no more than 180 days, in order to qualify for coverage. 

What does Multi-Trip Travel Insurance cover?

TravelGuard

Visit Travel Guard to compare Multi-Trip Travel Insurance Policies

The coverage can reimburse you for delayed or canceled trips, lost or stolen luggage and personal belongings; and medical emergencies.  It may also include the cost of evacuation, or accommodations and transportation expenses in case of a natural disaster or terrorist attack.

One of the major benefits of using multi-trip travel insurance is that it covers you at a far lower cost per each trip than you would pay were you to purchase single trip coverage each time you travel.  In order to ensure that you get the absolutely lowest price for your multi-trip travel insurance, however, you should carefully read what is included in your coverage, and ask to exclude any coverage you don’t want.  Many multi-trip travel insurance policies assume that people who are traveling during the winter will be engaging in winter sports like skiing.

Because skiing carries a certain risk of injury, you’ll be charged for the cost of the risk even if you don’t tend to go anywhere near a ski slope.  You’ll end up being over-insured, and throwing your money away.  If, on the other hand, you know that you may end up on the slopes, you want that coverage or you’ll be underinsured.  Being under-insured is far worse than being over-insured!

The second big advantage to having multi-hot-trip travel insurance is that during the year when your policy is in force, you’ll be able to travel almost at will without giving your insurance coverage a second thought.  As long as you don’t schedule any trips which will last longer than the maximum allowed by your policy, you’ll be fine.  You should also determine that there is no limit on the total number of days you can travel during the entire year.  Insurance companies do have ways of limiting their risks, and that’s why it’s critical for you to read the fine print before agreeing to any coverage.

Finally, take the time to do comparison shopping so you get the best possible quote for the maximum amount of coverage that will suit your needs.  Multi-trip travel insurance is now widely available, and thanks to the Internet, you can find comparison charts of different policies which will help you make your decision.




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January 4, 2010

Maui Vacation Rentals from Rugged to Royal

Maui Vacation Rentals

You’re facing a dilemma.  On one hand, you want to do everything you can to ensure that your vacation in Maui will be a dream-come-true.  On the other hand, you don’t want to return from your Maui vacation having spent so much money that it will be a very long time before you can afford another visit.

The ideal Maui vacation will be a combination of relaxation and adventure, but even lying on the beach at Maui comes at a significant cost.  When you add in other expenses like sightseeing tours, snorkeling or horseback riding, a visit to the Maui Ocean aquarium, a traditional luau–any of the things which will make your Maui vacation and unforgettable one, you’re almost certainly looking to economize where you can.  One of the most obvious places to economize is on your Maui accommodations.  Maui vacation rentals are never cheap, but there are nonetheless ways for you to ensure yourself the best deal when you find a place to stay.

You’ll have your choice among hotels, condominiums, and private homes for rent.  Because Maui is such a magnet for tourists, there may be stiff competition for beachfront hotel rooms from other vacationers who realize that this may be the only visit they have to Hawaii and want to enjoy themselves to the hilt.  Should you decide to join them and pay for a top-of-the-line luxury hotel suite, you’ll be guaranteed outstanding service and pampering during your stay.

The large number of vacation rentals in Maui, however, also means that you will have an opportunity to find accommodations which put less of a strain on your budget.  The cheapest way to vacation in Maui, without a doubt, is to take advantage of the many campsites located throughout the island in all sorts of settings.  You can camp on the beach, in an open meadow where you can wash each morning in a waterfall, in the middle of a rain forest, or sheltered from those afternoon rainstorms by a grove of trees.

Some of the camping areas in Maui offer cabin rentals, and while the cabins are primitive, they do solve the problem of lugging around tents and sleeping bags.  Cabins in Haleakala National Park, for example, cost $75 a night and have room to sleep as many as twelve people.  If your idea of the perfect Maui vacation is one that is spent in the saddle, you won’t do better than to rent the vacation home available at the Mendes Ranch in a Kahakuloa in the West Maui Mountains. 

For more traditional Maui vacation rental alternatives, think about staying in a condominium.  Maui is famous for its condo resorts, and condos are ideal lodgings for family vacations or if you are traveling with a group of friends.  Many condo resorts offer access to a variety of attractions for an extra fee.  You may find one which has golfing or tennis privileges, and almost all condos have pools and shuttle service to the beach.  Choosing a Maui condo for your vacation rental will also save you money on your meals, because you’ll be able to prepare your breakfast and a snack to take with you during the day, and splurge at one of Maui’s outstanding restaurants for dinner. Another advantage of using a condo as your lodging is that it will probably have laundry facilities.  You can reasonably expect to spend between 100 and $300 a night for a condo depending on its size and location, as well as the time of year.

No matter how, or where you spend your time in Maui, you are guaranteed the vacation of a lifetime.

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December 13, 2009

Why Family Travel Insurance Can Be a Good Idea

Family Travel Insurance

Countless travelers never give travel insurance a second thought.  Many of the ones who do think about it see it as a needless expense.  If you, however, are planning a trip with your family in the near future, you should not dismiss the idea of family travel insurance.  Why?

Think about what you will do if you and your family find yourself in one of these situations:

  • * You or another family member becomes ill and you will have to cancel your trip.
  • * Political unrest or a terrorist incident occurs in your destination city before your departure, and you want to cancel your trip.
  • * Your flight is canceled.
  • * You have packed medication, and your bag containing it is lost or stolen.
  • * Your wallet or purse was stolen and along with it all your money and passport.  You need emergency cash, and you need to have your passport replaced.
  • * You have reached your destination and are having the time of your life, when the news arrives that your tour operator has gone bankrupt and will not be able to cover the rest of your tour expenses or to get you back home.
  • * You or a family member is injured or becomes ill while you are in a foreign country.  Your existing health coverage does not pay for services received outside of its network of providers.
  • * A hurricane, flood, or other natural disaster damages your hotel or cruise ship so severely that it is no longer functional.

That may present a bleak picture of the joys of traveling with your family, but you can set aside all your concerns simply by deciding to spend a few extra dollars to purchase family travel insurance.  Having the insurance will free you from all worries about what might happen while you’re far from home in a strange country or city, so you can relax and enjoy your time together.  Here are some tips on how to find a good family travel insurance policy:

Make sure to get family travel insurance from a provider who is not connected to your tour operator.  While many tour operators and cruise ship companies offer family travel insurance at a discounted rate, your coverage will disappear if the operator or company happens to go bankrupt in the middle of your trip!

Study the fine print on your family travel insurance, because if your flight or cruise departs late, you may want to cancel.  Some family travel insurance policies, however, have a clause which says that your cancellation won’t be covered unless it means that more than half of your vacation will be canceled!

Be absolutely certain, when purchasing a family travel insurance policy, that you are completely honest with the insurance company about all your family’s medical conditions.  If someone has a pre-existing condition and you don’t mention it, you might have any claim for medical expenses you incur during your family vacation denied!

Because so many things can go wrong during a family vacation, you need to understand clearly what your insurance company is offering to cover, and what circumstances have to occur before they are liable to pay your claims your claims!  If you have a good family travel insurance policy, however, it can be a true lifesaver.  Your travel insurance company can act as an advocate if you have a medical emergency while abroad, and the medical facility might be tempted to overcharge you because you are far from home!



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November 16, 2009

Choosing the Perfect Outdoor Romantic Vacation

Filed under: Romantic Vacations — Tags: , , , , , , , — myroadtotravel @ 5:00 pm
 

 

Desert Vacations
Desert Vacations

Is it time for you to start recapturing the love in your relationship?  Have you decided that the best way for you and your significant other to rekindle the spark is by sharing an outdoor romantic vacation?  Getting away from it all in the great outdoors can be a real chance for intimacy, as long as you choose the destination which appeals to both of you.  There are many ideas for outdoor romantic vacations, and we gathered just a few of them for your consideration:

Head for the Woods

Whether you want to spend your outdoor romantic vacation as far away from civilization as you can get, or would prefer to enjoy the woods while still remaining close to civilization, you can tailor your vacation to suit your needs.  There are now many hiking parks which have their own trails as well as camping facilities, and there are national parks where you can load your provisions into your backpack and set out to rough it in the wilderness.  Mountain biking vacations are also an option.

Enjoy Some Desert Sun

Whether you’re in the US, or closer to the Middle East, spending an outdoor romantic vacation in the desert will give you your choice of a number of activities.  If you’re in the American West, spending time on a desert dude ranch and exploring on horseback is one option.  If, on the other hand, you’re in the Middle East you can do your explorations from the back of a camel!   In some desert areas, you can dune surf in the tradition of the ancient Egyptians who indulged in some wild rides down the slopes of towering Sahara dunes on pieces of discarded pottery.  The two of you may get some curious stares when you pack your snowboard for your desert vacation, but that’s all part of the fun you’ll share!

Jungle Tours Jungle Tours

Do Some Mountain Climbing

Could any adventure possibly be as romantic as mastering the heights of a challenging mountain together?  There are mountains begging to be climbed on every continent, so you’ll enjoy sharing your time as you pick the perfect mountain to meet your level of climbing experience and your budget.

Explore a Jungle

How many other couples do you know who have shared the romance of a jungle adventure?  Raft down a jungle river; take a safari to view the mountain gorillas in the jungles of Rwanda; or spend a week living among a South American Indian tribe in a jungle eco-tour vacation.  Get a close-up glimpse of some of the world’s endangered species, or climb through the jungles of Peru to view the marvels of Machu Picchu.  Jungle romance most definitely does not have to be reserved for Tarzan and Jane!

 The choices you have for romantic outdoor vacations are limited only to your shared imaginations.  You’re certain, with little effort, to find the one which will satisfy your needs for both relaxation and adventure!

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October 28, 2009

Maui Beaches: From Serene to Surreal

The Maui Beaches are the most diverse of all the Hawaiian Island beaches.  They range from serene and secluded sandy shores, sheltered by graceful palms and bordered by ocean waters as clear as bottle glass, to striking black and red lava sand beaches at the base of dramatic cliffs where the surf pounds at the shore and the sunsets seem to reflect the fire of the volcanoes themselves.

While all of the beaches on Maui are public beaches, you will have plenty of opportunities to sneak off to a secluded cove and escape from the noise and bustle of Maui’s touristy side.  Along the west shore of Maui you’ll find the sunniest and quietest beaches, and if you arrive at one of them early enough in the morning, you might mistake the warm water for your morning shower!

The West Maui Beaches lie between Lahaina and Kapalua, with the most developed of them being the three-mile length of Ka’anapali Beach.  This is the place to go if you want to see and be seen, or if you’rea  water sports enthusiasts needing a place to surf or hit the water via a  catamaran.  Black Rock, at the northern end of this beach, offers excellent snorkeling.

Perhaps the best of Maui’s western beaches, and even one of the best beaches in an the entire world, is Kapalua Bay Beach.  The waters off this beach offer outstanding swimming and snorkeling, with plentiful schools are brilliantly-hued reef fish.  Its location in a sheltered area means that the ocean remains calm late into the day.  

Explore the wonders of Maui Beaches

Explore the wonders of Maui Beaches

The beaches of South Maui will be the least crowded on the island.  They extend from the beaches of Kihei at the northern end of the South Shore to the Makena beaches at its southern tip.  If you’re like most people, you’ll find that the beaches get better as you travel further south.  One of the best of them is Keawakapu Beach, with its stunning views of the volcano’s crater and its endless stretch of golden sand fronting on a stretch of ocean ideal for swimming.  The best time to visit this beach is in the morning, before the winds have a chance to build up.

There is no better beach in Hawaii than the one at the Makena Beach State Park.  While there are no amenities like restrooms available at this beach, you’ll probably forget all about your need for them as you stroll along the shore and watch dolphins and sea turtles frolicking in the waters.  If you stay around long enough to witness a sunset, you’ll be grateful for the rest of your life!

Kaihalulu Beach in East Maui is more often referred to by its more descriptive name, the Red Sand Beach.  There is nothing like it in terms of remote and surreal beauty.  You’ll have to make an effort to find it, but there will be no mistaking it when you do because you’ll simply stop and stare in amazement.  With your first glimpse of its deep red cliffs looming above and a deeper red sand beach set against the backdrop of a sparkling turquoise lagoon, you’ll immediately want to join the swimmers who are splashing among the shore formed by volcanic boulders.  Schedule an overnight stay near the Red Sand Beach if you can, because the best way to enjoy it is early in the mo1rning when there’s no else around!

No matter which beach you visit in Maui, you’ll be captivate by the sure beauty and splendor that each beach offers.

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