THE ART OF TRAVEL

A Guide to Buying and Using Travel Insurance

Is Travel Insurance Really Necessary?

Travel is already expensive enough, isn't it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don't know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it’s not really needed?

My personal answer is, of course, that I am not independently wealthy and can’t withstand the potential financial losses if I require medical care while I’m traveling. Not being independently wealthy also means that I'm in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance. If you’re still not sure about that, consider the following.

Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased travel insurance. In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance.

This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.

Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won't break your budget. You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card. If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of travel insurance. However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the travel insurance coverage you need.

How Much Can You Expect To Pay?

When I bought my first plane ticket to China a few years ago it cost around $2000 round-trip, and my travel insurance cost me over $500 because I didn't shop around for cheap travel insurance online.

A few years later, a little bit older and wiser, and my travel insurance for another trip to China cost me much less--about $300 for roughly the same coverage. The difference? Before buying my travel insurance for the second trip, I shopped around online and got the coverage I needed, at the right price. If I'd have purchased my travel insurance for this latest trip from my travel agent, it would've cost me about $600 for the trip, and my plane tickets only cost $1,500! Not exactly the smart way to go.

So how much will it cost you? Not as much money as it will cost you if you get sick or injured abroad and you don't have any travel insurance coverage! That's the obvious answer to the question.

In fact, how much travel insurance costs will depend on your age and the type of coverage you choose. Basic policies cost as little as $5.50 USD per $1000 of coverage. On the other hand, you can expect a full coverage policy to cost you from 7 to 10% of the cost of your trip, depending on your age. The older you are, the more you will pay. No matter what the cost of the policy, however, it's sure to be much less than the cost of medical evacuation!

The good news is that you can easily, conveniently and quickly research and locate excellent but cheap online travel insurance and reduce the costs while making an informed purchase. This is much better than taking what you are offered at the travel agency because you can choose from hundreds of travel insurance companies and polices and save yourself a lot of money in the process. One place you can start your search is at Travel Insurance Central, http://www.travel-insurance-central.com

What You Should Consider When Buying Travel Insurance

To assist you in your research, here are some suggestions to help you make an informed purchase.

1. Consider the worst-case scenario. If you can financially withstand the worst-case scenario then maybe you don't need travel insurance or maybe you don't need a comprehensive policy.

2. Make sure the policy you are considering provides adequate medical/dental coverage, including medical evacuation coverage

just in case you need medical care in a place where the best treatment available is below the standards you are accustomed to in your country. This can happen if you fall ill in a developing country or even on a cruise ship.

3. Check your existing insurance policies for possible coverage.

There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.

4. If you are a frequent traveler, you should consider annual or year-round travel insurance policies.

Sometimes they are called multi-trip travel insurance policies. Whatever the name, these policies can be relatively cheap when compared to single-trip travel insurance policies.

5. Know what you are buying, so read the fine print.

Make sure that you understand what the company considers to be a legitimate reason for cancellation or interruption. If the list is too restrictive, maybe you should consider another policy.

6. Don't restrict yourself to buying only from your travel agent.

He/She will probably only have one company’s product(s) available, and it's there for your convenience, but that convenience can be quite costly!

7. Ask lots of questions about the coverage.

Play the "what if" game. Ask for clear explanations of terminology. Make sure that you and the travel insurance company are speaking the same language.

8. Don't buy the insurance through your transportation provider.

If the airline goes bankrupt, how adequate will your insurance coverage be?

Once You’ve Bought Your Travel Insurance

Remember that your travel insurance policy covers you between certain specific dates, so don’t start your trip early or extend your trip without first changing the dates of coverage on your travel insurance policy. Of course, this might cost you extra, but that's cheaper than finding yourself without coverage when you need it the most.

Also, it almost goes without saying that you should bring your travel insurance policy with you when you go abroad. You can't consult the policy if it's sitting on your desk at home. You should also carry your travel insurance company's toll-free assistance phone number and other contact information with you wherever you go. It does you no good if you get ill or hurt and the necessary policy information is sitting in your hotel room. It’s also a good idea to bring your regular medical coverage cards and info with you.

I hope these tips will help you by the best travel insurance for you. Then take your trip with the peace of mind that comes from knowing that you are insured by the right travel insurance policy at the right price.

A Guide To Virginia Beach Hotels

If you’re traveling to Virginia Beach, consider yourself lucky. People who’ve never been there have no idea what they’re missing, and you’re about to experience it. Long expanses of white sand stretch as far as you can see from dozens of beautiful, waterfront hotels. The breathtaking ocean views will make you lose track of time, and after sunset the nightlife will keep you entertained. However, your hotel very easily influences the beauty and fun of Virginia Beach.

Choosing the right hotel is one of the most important pieces of your Virginia Beach vacation. Take the time to investigate what attractions are your favorites and look for a hotel nearby. Being in close proximity to activities you want to enjoy will save you travel time and the confusion of trying to navigate in a new city. If you’re a nature lover, look for a hotel close to the local nature preserves or hotels that offer dolphin and whale watching expeditions as part of a vacation package. Next, ask the hotel about their typical patrons. Some hotels are the perfect place for kids. They’re close to the park and have facilities to keep your children entertained. On the other hand, some hotels specialize in quiet, secluded getaways with quaint reading rooms overlooking the water. Bringing in children may not be such a good idea. It’s important to know what your hotel is known for and what you will need.

No matter what you need, there is a hotel for you at Virginia Beach. Look for them online, or call around. Don’t settle for the first offer, because with the hundreds of local hotels, inns and bed and breakfasts, you’re bound to find one perfect for you.

A Quick Guide To London

London is one of the world’s most visited cities. With its combination of historic buildings, renowned museums and galleries and the best in dining, clubbing, entertainment and now a new range of boutique hotels, you won’t run out of things to do.

Where is it?

London is the capital of the UK, set on the river Thames. Served by several airports, including London Heathrow, London Gatwick and London Stanstead, and with direct train links to the continent via the Channel Tunnel, and to the rest of the UK via domestic operators, the city is easy to get to.

Where can I stay?

It’s no surprise that London is full of hotels of various sizes and standards. Famous and expensive hotels sit alongside smaller guesthouses, but it is the boutique hotel that’s currently proving a popular choice with visitors. Small and stylish, with impeccable service and a real atmosphere rather than one manufactured by the marketing department of a large hotel chain, staying in one of these hotels can only make your trip to London more enjoyable.

What can I see?

There’s so much going on in London that even the residents don’t see it all. Plan your stay so that you enjoy a little bit of history at the Tower of London or St. Paul’s Cathedral for example; some of the treasures and paintings in the museums and galleries; a show in the West End and some great drinking and dining. If you’re staying in a good hotel, you can rely on the concierge or reception staff to help you buy tickets or plan your itinerary. Don’t forget your camera, and make a long list of the things you want to do the next time you visit.

How do I get around?

Like all major cities, London has a modern public transport system. A comprehensive underground network takes you to all parts of the city, with prices working on a “zone” basis, which makes it easy to calculate which tickets to buy and how much they will cost. If you’re planning to use the underground a lot during your trip, ask for details of saver tickets. London’s famous red buses are easy to use and reasonably cheap at just £1 for central London journeys. Alternatively, you could take a traditional “black cab”. These hackney cabs can be hailed from anywhere and the drivers have to pass a stringent test so that they can take you anywhere you need to go. Adept at avoiding traffic jams, happy to hold a conversation and with honest fare meters, a journey with a hackney cab driver is a real London experience. You can hire a car, but if you’re staying within the city, it’s far easier to use public transport.

A Quick Guide To Mallorca

One of the ever-popular Balearic Islands, Mallorca is the perfect location for a quiet romantic holiday or full-on family fun.

Where is it?

Mallorca is the middle, and largest, of a set of islands set in the Mediterranean off the east cost of Spain. It has a varied terrain, which means that although the majority of visitors come for the coast and beaches, there is a growing interest in the island’s fertile plains and mountainous regions.

Where can I stay?

If you want to avoid the over-developed resorts that dominate parts of Mallorca, then choose a boutique hotel. Less stuffy and more intimate than regular hotels, yet with discreet staff and service when you want it, a boutique Mallorcan hotel is the ideal way to truly experience the island. The Palacio Ca Sa Galesa, for example, is set right in the heart of Palma, and boasts the only swimming pool in the Gothic district. No detail has been overlooked, so you immediately feel comfortable in any of its 12 rooms. Alternatively, visit Palma on a day trip from Scott’s Hotel, which is a charming boutique hotel set in a medieval wine-producing village off the main tourist route. Comfort is a key theme here, with goosedown pillows and breakfast until noon.

What can I see?

Visit Palma for a really cosmopolitan view of Mallorca. Half of the island’s population live here so it comes as no surprise that sophisticated bars and classy shops sit easily alongside ancient streets and the astounding Gothic Cathedral. It pays to spend some time exploring the city – whether it’s taking in the amazing view from the waterfront, wandering in and out of the tiny shops in the old Arab Quarter, or taking in the sights from a traditional pony and trap. Further afield, Mallorca boasts a range of interesting towns, secluded bays, and mountain walks that reward with perfect views.

How do I get around?

There are many low cost flights from Europe to Mallorca’s main city, Palma de Mallorca. From there, you are spoiled for choice when it comes to travelling around the island. There is a comprehensive bus network that takes you from town to town, or you can hire a car so that you can be in complete control of your itinerary. Alternatively, you can rent a moped, or work off your meals by cycling. It’s never too far from one town to another, so there’s plenty of time for sight seeing however you choose to travel. Use the local ferry services to visit the other Balearic Islands and make the most of your holiday time.

A Quick Guide To Morocco

Morocco has something of an aura about it – created mainly by the major tourist destinations of Marrakech, Casablanca, Fez and Rabat.

Where is it?

Morocco is on the North West coast of Africa, just across the sea from the southern tip of Spain. This means that it’s easy for most Europeans to reach by plane and even by road or train. Its proximity, mixed with its unique style and culture make it an increasingly popular destination.

Where can I stay?

There are a number of small, exquisite boutique hotels in Morocco. It seems to have the boutique style and attention to detail all wrapped up, making it difficult for the traveller to choose which unique hotel to stay in. There’s the Dar Zemora in Marrakech which has just five rooms, but where the decoration, furnishing and service ensure that you have the best of both worlds – a perfect place to stay, with the many attractions of Marrakesh just around the corner. Alternatively, stay in the Kasbah du Toubkal in the Atlas Mountains, which reportedly has the best views in North Africa, and where your stay is enhanced by the informal feel of the hotel and the services offered. Surrounded by the peaceful beauty of the landscape, it is a place that has inspired anyone who’s stayed there. Whether you want to stay in the hustle and bustle of Marrakech, on the beaches of Essaouira or in the heart of the mountains, there’s a perfect hotel waiting for you.

What can I see?

Wherever you’re staying, you should make an effort to visit Marrakech. The coming together of civilisations, conquerors and craftsmen makes it a truly eclectic city, yet one that’s bound together by the beauty of its buildings, the simplicity of its crafts and the awe of its visitors. Its souks, or markets, which are organised by trade, are a fascinating insight into the life of Marrakech’s residents and an experience not to be missed. Spend some time in the Place Djemma El Fna – the city’s main square, where regular entertainment keep the crowds amused, and then walk through the streets of the old town, taking in the magnificent medieval buildings and romantic gardens. The rest of Morocco holds its own delights – the whitewashed buildings in the simple coastal resort of Essaouira, the regal buildings of Rabat or the market town of Tata in the Sahara – you will find plenty of reasons to return to Morocco.

How do I get around?

You can hire a car in Morocco, as driving is fairly easy and it will let you explore more of the area around your chosen destination. Petrol can be expensive, so it may be wise just to hire a car for a day or two rather than for your whole stay. Morocco operates a system of shared taxis, which works out pretty cheaply and is fairly straightforward to use. Alternatively, try the bus network, which is generally comfortable and, although they may reach their destination later than a shared taxi, it will be a smoother, safer ride. If you’re travelling between cities, then choose the trains, which are also comfortable and affordable.

A Quick Guide To Seville

Seville is one of the jewels of Spain, with architecture, museums, food and shopping that make it a must-see holiday destination.

Where is it?

Seville is in the Spanish region of Andalucia, which also includes the coastal resorts of Costa del Sol and Costa Almeria. Seville itself is set inland, although the coastal areas are within easy reach. It has its own airport, which is a 45 minute drive from the city.

Where can I stay?

You don’t get a true feeling for Seville by staying in a large chain hotel. You need to choose a small, friendly but stylish boutique hotel that reflects the nature of the city and its people. Try a boutique hotel like Casa No 7, which only has 6 bedrooms and is decorated with style and taste around a small courtyard, typical of Seville. Alternatively, the Casa Romana boutique hotel is right in the middle of Seville, which means that you can use the hotel as a cool and refined base while you check out everything that Seville has to offer.

What can I see?

Seville is famous for its Cathedral, which is the largest in the world. Built on the site of a twelfth century mosque, it is simple, but awe-inspiring and a sight not to be missed. Also make sure you see the Casa de Pilatos, built by the first Marquis de Tarifa in the early sixteenth century. It is one of the finest palaces in Seville and now also houses a courtyard and park, at the end of which are mansions that have been turned into museums. For a real taste of Seville, spend some time in the Barrio Santa Cruz, one of the most picturesque parts of the city, full of narrow lanes and surprising squares; whitewashed houses and excellent tapas bars. Tapas is thought to have been invented in Seville, and it’s certainly the way that most locals choose to eat. The range is incredible and the prices good, so take advantage of the more than one thousand places in the city where tapas is available.

How do I get around?

Seville is a busy city with lots of narrow roads, and it is a brave person who attempts to drive – or park – in the main areas. Parking in particular is very limited and often restricted to residents of businesses; so avoid parking fines and unnecessary stress by only hiring a car if you’re planning to drive outside the city. Instead, use the very regular and reliable bus service which costs little and offers multiple journey tickets, or get one of Seville’s white taxis. Tourists often take a horse and carriage to see Seville’s main sites – this is a particularly popular option with couples and families. As with most cities, one of your best options is to walk. There are maps available from the tourist offices and you can explore Seville at your leisure.

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A Quick Guide To The South Of France

The South of France has the enviable combination of miles of coastline and fertile rural landscapes and has been the inspiration for artists, composers and writers as well as the new visitor.

Where is it?

The term “South of France” is usually used to describe the southern stretch of the country’s coastline that runs between Spain and Italy, and the rural inland areas that include Provence and the Lubéron. With its warm climate, fertile landscape and developed coastline, it is one of the most regularly-visited parts of Europe.

Where can I stay?

Unsurprisingly, for somewhere as popular as the South of France, there is no shortage of hotels, guesthouses, bed and breakfasts and camp sites. For a true taste of the area though, stay in one of our recommended boutique hotels. Small and intimate, they are a home from home and turn a basic holiday into a luxury retreat. All of these hotels offer well-designed and contemporary rooms and the service is discreet and impeccable. Good food usually goes hand-in-hand with the cool rooms and public areas - by choosing one of these hotels you’ll be treating yourself to a memorable stay in the South of France.

What can I see?

The South of France is too big an area to be fully explored in a single holiday, which is why many people return year after year. Some of France’s most expensive resorts lie on the south coast, including St. Tropez and Cannes, and where better to watch the yachts and fashions of the rich and famous? The area is famous for its coastline, sailing and water sports and for the cities that lie near it: Nice, Marseilles and Montpelier for example. Inland, Provence is well-known for its rolling landscapes, stretches of vineyards and swathes of wild flowers. With no shortage of historic buildings, local markets and museums to explore, the South of France has something for everyone.

How do I get around?

If you’re planning on exploring the South of France, you should hire a car. The French, like most European countries, drive on the right hand side of the road and the roads are largely well-maintained, although many are toll-controlled and you will have to pay at marked toll stations to use the main road network. If you are planning on staying mostly in one place and just visiting major cities or tourist areas, then opt for the train system, operated by SNCF.

A Quick Guide To Tuscany

Tuscany has long been a favourite destination for anyone looking for an authentic Italian experience.

Where is it?

Tuscany is a large area in central Italy that stretches to the Mediterranean coast. It is divided into ten provinces, which include some of Italy’s most beautiful towns and cities; Florence, Siena and Pisa.

Where can I stay?

Many people choose to stay in villas when they visit Tuscany, preferring the independence of self-catering to the routine of a hotel. The next time you consider visiting Tuscany, take a look at the benefits of a boutique hotel. Giving you the comfort and service of a regular hotel, but with a home-from-home atmosphere and service that anticipates your every need, you can come and go as you please without having to worry about making beds or shopping for food. In fact, when you stay at a boutique hotel, all you have to think about is where your next luxury is coming from.

Try the JK Palace in Florence for a taste of city boutique. With only 20 rooms, it’s like having your own home in the Piazza Santa Maria Novella and it’s the perfect place to return to after a hard day sightseeing. “Boutique” doesn’t always mean tiny - for a hotel that’s a magnificent rural retreat, the Villa Mangiacane is set in 300 hectares of olive groves, vineyard and forest and the view from the pool means that you’ll be hard-pressed to leave the villa at all.

What can I see?

Take a tour to the vineyards and sample classic Tuscan wines such as Chianti and Montepulciano, or visit olive groves and buy pressed olive oil to take home. Tuscany, its towns and cities are full of beautiful Renaissance architecture and the art here rivals that of Venice and Rome. If you’re not staying in Florence, then you should certainly take the time to visit the city during your stay. A busy, chic city, full of amazing architecture, priceless art, great shopping and fantastic dining, Florence is captivating and many visitors return here for short breaks or special events. Tuscany is full of contrasts and you could holiday here for several years in a row without visiting the same place twice.

How do I get around?

How you choose to travel in Tuscany largely depends on where you’re staying. If you’ve chosen a city location, then it will be easier for you to use public transport or just walk to get around, as hiring a car may be expensive and the roads too busy for stress-free driving. On the other hand, if you’ve chosen a boutique hotel in a rural location, you should think about hiring a car so that you can travel round the countryside or take a day-trip to one of the cities. The Italian public transport system is well-used by locals, and you can travel between cities and towns on the train or on buses, which give you the opportunity to gaze at the glorious countryside.

A Semester Abroad

Are you lucky enough to be taking a semester abroad? Worried about what you'll need to bring along? Let's go through some easy packing tips and advice.

If you are bringing any electrical appliances such as a laptop, cell phone, hair dryer, electric razor, iron, bipod, digital camera, etc., you'll need to check if these are designed for dual voltage (110/220watt). If they are not, you'll need to purchase a converter/adapter set. Remember, that there are different versions of converters. Some are designed only for high voltage appliances, some for low voltage appliances, and some that take both. Check with your cell phone provider that your phone can be used in the country where you'll be staying. Also, remember to purchase a grounded adapter plug for your laptop.

Remember to bring credit cards in your own name. Also, make a duplicate copy of your passport and keep the copy in a separate safe place along with your credit numbers and phone numbers where you can call if there is any problem. Wearing a money belt is a very good idea. They are thin enough not to annoy the wearer, and they are the only item that works against pick- pockets. You can carry extra cash and your passport in the money belt, but keep a wallet for purchases you'll need to make immediately. There are many versions of money belts that can be worn around the waist, neck, shoulder, or leg. American passports are a desirable item, and you don't want to put yourself at risk.

The best way to pack is in rolling duffels that are collapsible. These come in many large sizes and are easier to manage than a large suitcase. Additionally, because the sides fold down it can slide under your bed or in a closet for storage. You'll need the wheels to make it manageable when it's filled. Also, many of them can hook up a second bag where you can pack your books, shoes, and other heavy items. You can also than have that bag available for the many sightseeing trips you'll likely be taking. Another good idea is a foldable tote that can be packed. That way you'll have a bag to bring back your many purchases.

If you do not speak the language of the country you will be at a disadvantage. You will need a book of phrases or one of those hand held electronic translators. You'll be able to pick up bits and pieces of the language, and the phrase book or translator will make your stay more enjoyable. It's extremely important to keep a journal. You'll be seeing so much and learning so much that writing everything down will make it easier to recall all of your wonderful memories.

A Show of Saintly Courage in Shambles

The Shambles in not an adjective; it is a well preserved street in York, England. Although not as popular as London, York is just as historical. The city of York has been in existence for at least 2,000 years. The core of the city of York is walled, just like in medieval times, and its historical landmarks are well preserved.

The word Shambles refers to open-air slaughterhouses and meat shops. There are streets named Shambles in other parts of England as long as there are animals to kill, dress and sell. The pavements of the streets are elevated on both sides, creating channels or open canals. In those days all the innards are thrown out; the wastes from the slaughtered animals like blood pass through those canals.

The Shambles of York is unique or special; it is the most well preserved street of its kind and thus one of the most visited in the whole of Europe. The Shambles was also home to Saint Margaret Clitherow.

Clitherow married a butcher at the age of 15 and lived along York’s Shambles. She became a Roman Catholic at the age of 18. During those day Roman Catholics were being persecuted and as a Catholic herself, she sympathized with those regarded as fugitives. Her home became a safe house for priests hunted by the authorities. She was a mother of 2 and a school teacher to her children and neighbors’ children.

Although repeatedly arrested, it was not until 1586 that Margaret Clitherow was brought before the criminal courts. One of her students was pressured into providing evidence against the teacher. The authorities were able to find mass related paraphernalia in her home, leading to her arrest.

She refused to enter a plea so the trial could not commence. Margaret Clitherow wanted to prevent a trial to protect her children from being forced to testify against her. As punishment, she had to lay naked beneath a heavy stone. She did not last 15 minutes and met her saintly death. A shrine for her as St. Margaret was erected on the spot thought to be where her old home was. It was later discovered that her old residence was a few houses away from the shrine.

Today the Shambles is clean and lined not with meat shops but with specialty stores. The cobble stones, quaint shops, the shrine of St. Margaret and the old stories handed down from generation to generation keep visitors coming back for more.