Do you really need travel insurance? It's a question that is frequently asked and the answer is yes, you do. There are many reasons for getting travel insurance, everything from possible theft and hospital visits to injuries and death can be covered by a good insurance policy and while you hope you will never need to use it, insurance is something you'll be very glad of should something go wrong.
Types of Travel Insurance
There are several different options when it comes to travel insurance. You can choose just one type, or opt for an all-inclusive policy which will cover a variety of things, including health and theft.
Medical Insurance: This type of insurance will cover any medical expenses while you are out of the country. Note that this isn't always necessary, if you have health insurance back home, it may cover short out of country trips, as well. You can invest in basic health insurance, which will cover doctor and dentist visits and hospital stays, but each policy is different. Make sure you understand exactly what is covered and for how long. It's a good idea to look into investing a little extra for evacuation, as well, so you can be brought home if needed.
Flight insurance: If your plane goes down, this is the insurance that will ensure that you or your surviving family members will get something for it. In general, this is the highest costing insurance and isn't really necessary in most cases.
Trip Cancellation: Not every trip will require this type of travel insurance, but if you are laying out big bucks for a cruise or a vacation spot, then you'll definitely want to look into trip cancellation insurance. If you can't make the journey for any reason, it's canceled, you get sick, etc. then you can get your money back, so it's a good way to go.
Luggage/Baggage Insurance: Lost bags are a common problem when flying, whether you stay in the country or fly around the world. Airlines within the US may give you up to $3,000 in compensation, but if you are flying overseas, the amount you could recover is minimal, so you'll want to make sure you have some insurance to cover anything you might lose in your luggage.
Things to Consider
If you are interested in extreme sports and intend to take part in them while traveling, keep in mind that many types of insurance do not cover injuries that you may have from such activities. There are special extreme travel insurance options that will cover you if you plan to go rock climbing or skydiving, however.
Make sure you read any and all policies very carefully. It's important to make informed choices when you are buying travel insurance and you need to know just what is covered and what is not. The fine print will usually let you know what could be a deal breaker, so pay attention to this part. Anything you aren't sure of should be cleared up by the insurance company before you pay anything.
Make sure that the cost of the insurance is lower than whatever it's going to cost. For example, if you are paying $50 for a cross state plane ticket, chances are you don't need insurance to cover the possible cancellation.
Travel insurance has many facets and not all types will be necessary for your trips. In fact, you may find that some types of insurance are so specialized that you don't even need to consider them. However, health or medical insurance, along with baggage insurance, if you plan to travel outside the country, are both very important and should definitely be on your list.
In spite of being one of the smallest states of India, it requires number of days to explore entire Goa and to enjoy the true essence of its beauty. Goa is known for offering exotic sea views, exciting and colorful social life, vibrant entertainment and above all the pristine and magnificent beaches.
Besides beaches, it also offers a range of natural landscapes and temples that are famous for its magnificent architecture with eye catching festivals and feasts. This magical state of India has become a hot tourist spot with the arrival of hippies during sixth decade of the last century. It turned out as one of the major turning points in the history of the state's tourism. From that point of time, Goa has emerged as one of the premier tourist destinations in the world.
Entire state of Goa is full packed with a range of marvelous attractions that mesmerize the visitors and compel them to visit the state again. Though the beaches have always been the major attraction, one would not afford to miss the world heritage sites and the world renowned attractions in form of the Bom Jesus Basilica, Church of Our Lady of Rosary and Church of St. Francis of Assisi. When it comes about the temples of Goa, the Saraswat Temple, Shanta Durga Temple, Shri Nagesh Maharudra Temple and Ganapati Temple are some of the most significant temples that hold a great significance among locals.
Most of the temples and churches of Goa are concentrated around the town of Old Goa. It is also home to the very famous the Basilica of Born Jesus church known for its amazing and splendid architecture and sacred heritage. This church is designated as a World Heritage Monument. The meaning of the word Bom Jesus is 'Infant Jesus' or 'Good Jesus'. It was the first church of India who was accorded the status of Minor Basilica in the year 1946.
The design of the church is inspired from the St. Paul Church. One can also visit a modern art gallery that is located just besides the church. This art gallery is considered as one of the largest art galleries in Asia. The church is also a proud venue of a sound and light show exhibiting the life of Christ, St. Francis Xavier and Blessed Joseph Vaz with a feast that take place on December 3, every year.
Goa offers a range of marvelous temples that exhibit the enthusiastic and interesting history of the locals. The temples in Goa are like a mark of pride and glory for entire state. In spite of the fact that the state had been ruled by Portuguese for years a large number of Hindu Temples are still into existence.
Shri Mangeshi Temple is one of the most visited temples in Goa that is situated just around nine kilometers of Ponda. The temple is situated right amidst the lush greenery on a hill. Shri Bhagavati Temple is also a very prominent temple situated in Pernem and estimated that it is around five hundred years old. This temple had survived the Portuguese inquisition and during that time the deity was moved from the house of Shree Kichkar of Taliwada.
Running on the go is something that all runners deal with. Whether you are out of town for business or pleasure. It doesn't have to be a problem - it just takes a little pre-planning.
Most people when they are going on vacation or taking a business trip look at the amenities at a hotel for several things. Usually a pool, restaurant, irons, hair dryers, etc.
Not, me! When I'm traveling, I look to see if the hotel has a decent fitness center. And, if I can't tell from the pictures if they have a treadmill, I'll give them a call to find out.
Now, I like running outdoors if possible. But, sometimes when travelling, it's better to hit the treadmill - especially if you are in an area that you are not familiar with. And, depending on what time of day that you'll be heading out to run. Most events at a conference start at 8:00 - so I'm up and running by 5 a.m. So, most of the time I'll just head to the fitness center. (And, on a side note, it gives my husband peace of mind!)
In addition to checking if the hotel has a fitness center, you need to see what hours it is available. Some hotels limit the time of their fitness center - not sure why, but they do. I try to find hotels that have a fitness center that is available 24 hours. Most of them are these days - but it's best to be sure. You don't want to be all ready to go running early and find out it doesn't open until 7 or 8.
If you have to stay somewhere that doesn't have a fitness center, give the hotel a call before you leave. Tell them that you are a runner and that you are not familiar with the area where they are located. Ask them if it is alright to run there - and let them know what time you'll be planning on running.
You never know what you may find. In the past, I've found that a nice running trail may be very close to where I'm staying - and safe and well-lit. Usually, hotels are very helpful. They'll tell you if it's safe to run - and what direction you should head out in. Don't be afraid to ask - it's your safety!
Running on the go is easy. You just need to do a little planning.