Travel Insurance With No Bull!

Commuters from the Bath and Bristol areas were in a bad moo’d recently - udderly fed up with being forced to ride cattle class. Hundreds of them staged a protest by wearing cow masks as they rode the overcrowded trains provided by First Great Western. Their main gripe was being forced to stand on long journeys because insufficient seating was provided for the demand. The service was also said to be unreliable - with frequent delays. On top of all that, First Great Western fares are believed to be Europe’s most expensive!

Good for them, I say! We Brits are far too polite for our own good and don’t complain enough when we’re being milked. We pay more of our hard-earned moo-la for everything, yet are expected to put up with inferior service dished out in the pursuit of corner cutting to increase profits. Such greed is hard to stomach - even with two stomachs. Whatever happened to common decency?

The protesters have called for a freeze on any more fare hikes until First Great Western improves its train service and they are no longer treated like cattle. In fact, it would probably be illegal to treat cattle that way - the perpetrators would have the animal rights people all over them like flies on a cow pat. Unfortunately, the company knows that the commuters are at their mercy and have no choice but to use their trains. They’ve continued to make hay while the sun shines - and even when it mostly doesn’t. They’ve continued to cash in on the discomfort of their passengers until they reached the end of their tethers and won’t stand for it any more!

We’ve all had that familiar childhood ‘are we there yet’ feeling as we sit grimacing in our budget airline seats. We keep a stiff upper lip and don’t complain because… Well…At least we have a seat to strap into, and we know that without a cattle-class airfare we wouldn’t be going anywhere at all. We’re led by the nose - like cows to the slaughter - and we can’t bring ourselves to say no to those tempting budget flights and holidays.

Despite all the talk about global warming and carbon hoof prints we still flock to the airports for our cheap flights, getting fleeced at the airport shops and restaurants along the way. It’s easier to blame the cows for global warming, what with producing all that methane gas…

Travel has become more affordable and available to the masses, but does it really have to be less comfortable? We save time by eating lunch on the hoof. We save money by flying with no frills. We endure the crowded departure lounges and sit on the floor. We brace ourselves against the panicked stampede created by the lack of seat assignment. We’ve got used to being prodded and herded onto planes - but we don’t like it. We complain about the high taxes on everything. We chew it all over and swallow it anyway - but it’s hard to digest.

Fortunately, there’s one field where you can still get value for money - and that’s with your travel insurance - if you choose wisely! Get a quote from an established travel insurance company where you’ll find affordable prices with no cuts to either customer-service or products - and you’ll never be treated like cattle. Getting to your destination in cramped conditions is one thing, but if your luggage goes missing or anything else goes haywire during your trip it could be the last straw!

Jean Andrews

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A Beginners Guide To Purchasing Travel Insurance

If you are planning on traveling overseas, it is a good idea to acquire travel insurance before your departure. In fact, this should be near the top of your list of things to do. Travel insurance, similar to other forms of insurance, will probably not be needed. However, travel insurance, similar to other forms of insurance, can come in handy in the event of anything unforeseen happening while you are traveling.

Most travel insurance policies are designed to reimburse you in the event of the most likely scenarios that you might encounter while traveling, such as a delayed or canceled trip, death or illness, as well as the death of a relative at home. Travel insurance also covers the high cost of emergency medical assistance in a foreign country, as well as reimbursement for lost baggage.

You can also purchase various extras, including coverage in the event of an accident while participating in extreme sports, such as diving, skiing and skydiving; and coverage that will reimburse you for the cost of any emergency air transportation home, sometimes known as air ambulance. Travel insurance policies do not cover absolutely everything; they generally do not include coverage for expenses due to riots, wars and natural disasters.

It can be confusing determining how much travel insurance you need, or even if you actually need any at all. Most credit cards do include some kind of basic travel or trip cancellation insurance, which is usually adequate. If you are buying a plane ticket, your ticket comes with basic liability coverage for lost or delayed baggage, although it does not really cover expensive items. Also, if you are worried about your airline declaring bankruptcy, which is not so out of the question in today’s economic climate, an airline that ceases operations is required by law to protect you on another carrier or refund your ticket.

There are also policies designed for families and groups as well as so-called “multi trip insurance”. If you travel regularly throughout the year, it is almost certainly less expensive to purchase a policy that covers multiple trips. Family plans provide coverage for families traveling together and are also nearly always less expensive than buying an individual insurance policy for everyone. In this case, the definition of family may extend to various in-laws, cousins and grandparents.

The cost of your travel insurance policy can vary greatly, depending on the length of your trip and just how much coverage you want as well as your destination. Typically, you should expect to pay between 4% and 8% of the overall cost of the trip itself to have adequate travel insurance. If you are traveling to a remote or dangerous country, or to somewhere not recommended by the US department of state, expect to pay more for your travel insurance.

Not surprisingly, many people like to have the security of travel insurance or trip protection insurance if they are going on a particularly expensive or a once in a lifetime trip, such as a honeymoon or a vacation to a far away, exotic location such as Fiji or Africa.

Travel insurance policies also offer different levels of coverage, known as primary coverage and secondary coverage. If you take out primary coverage, your insurance company will pay you before any other insurance you have takes effect; if you have secondary insurance they will only pay you when you have collected from any other insurance options that are available to you.

You also may find that your policy is more expensive if you have what the insurance companies regard as a pre-existing medical condition. Always declare any pre-existing condition when you take out travel insurance, otherwise your policy may be void. This can lead to a very unfortunate experience, of needing insurance and not being able to purchase it at an affordable rate.

Once you have decided what kind of travel insurance you might need, purchasing it is simple. The internet has made it easy and convenient to shop around and compare prices and services offered. Most airlines, travel agents and cruise lines will only be too happy to sell you a policy, as they are probably getting a commission from the insurance company. You are not obligated to get your insurance through them – although it is often just as easy to do so.

If you are buying travel insurance for the first time and are confused, the best option is probably to purchase a basic policy along with your vacation, cruise or plane ticket. You should not be persuaded into taking out much more insurance than you will realistically need. Make sure that you understand exactly what is included and is not included in your policy; and that you take all the paperwork with you when you travel.

Josh Webber

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