7 Good Reasons For Travel Insurance

For thousands of years, risks have been shared during times of tragedy. The first formal insurance company, Lloyd's of London, was formed in 1769 and their principal concept remains today - to gather the premiums of clients as a pool of resources to return to clients who experience unexpected but covered events. So, that is the secret really, plan for the unexpected and make sure you're covered, especially when you're travelling. Whether your trip is a quick one or a round the world cruise, there are many good reasons for travel insurance. Here are just 7:

	Medical Emergencies: If you fall sick or are injured during your travel, your travel insurance will give you financial coverage.

	Flight Cancellations: If your flight is cancelled or delayed then your travel insurance should help. Depending on the cover available, a room for the night and even alternative travel home can be included.

	Pre-existing Medical Conditions: Even if you have a pre-existing medical condition and it flares up while you're on vacation, as long as you've advised your travel insurance company prior, you should be covered.

	Damage or Loss Of Personal property - What are you going to do when your luggage gets stolen? Yes, it happens, all the time. There are organised gangs that work in airports doing just that. Guess what? You need travel insurance.

	Loss of Cash or Traveller's Cheques - You're in a foreign country far from home. You either lose, or have stolen, your entire holiday fund. You're going to need help and quick. Again, travel insurance is a must.

	Emergency Evacuations - What with global warming and economic pressure more and more holiday destinations are being built in potentially dangerous territory. Who would have wanted to be in Thailand on that Boxing Day? Travel insurance will help if you have to get out quick.

	Car Crash - It can be very difficult driving on the wrong side of the road in a strange country. Accidents happen.

Okay, there you have it. 7 good and solid reasons why you need travel insurance the next trip you make. The other alternative of course is to not take out travel insurance, or to stay at home. Now, there's an idea. But seriously, as always when taking out insurance, especially travel insurance, read the fine print. Importantly, find out before you go what is excluded, not just included. So, always read the fine print. For example, accidental coverage is not provided in case of drunken driving, driving under the influence of narcotic substances etc. Exclusions are also provided for accidents during risky sports like bungee jumping, car racing, scuba diving, white water rafting, flying (except as passenger in regular airliners), gliding, skiing, bike racing, diving, mountaineering, windsurfing etc. The list goes on (insert for your favourite potentially dangerous sport here). That means in case of accidents in these situations the insurance company is not liable to pay any amount to the insured.

8 Tips For Traveling With Your Dog

Just because you have a dog doesn’t mean you have to stay home all the time.  If you plan ahead and take a little care, it is easy and fun to travel with your dog.

Here are some tips to make the trip easier on both you and your pet:

1.	Get your dog used to riding in the car by taking him on short trips.  Go to fun places like the dog park, the fast food drive through (where you can feed him bits of meat from your burger), or to visit friends.  You want him to think that trips in the car are fun.  You don’t want your dog to think that all car trips end up at the vet’s office.

2.	If your dog tends to get carsick, don’t feed him the morning of the trip.  Having your dog travel with an empty stomach will help to prevent any car sickness.

3.	Bring plenty of water and a water dish along.  You will need to give your dog periodic drinks of water when you stop for a rest.  It will be easier to get your dog to drink if it is familiar water from home.  Water in different places often smells or tastes differently, and your dog may not want to drink it.

4.	Be sure to pack your dog’s food, treats, favorite bed, toys, and leash.   

5.	If your dog uses a crate, bring that along too.  If you don’t have a large vehicle, you can buy crates that fold up.  When you get to your destination, you can put your dog in his crate while you go somewhere that you can’t bring him along.

6.	How should your dog travel in the car?  Some dogs like to sit or lay on the seat, so bring a blanket to protect the upholstery.  Other dogs may need to be kept in a crate in the car.  Be sure the crate can’t slide around and scare the dog while you’re driving.   You can also purchase dog seat belts to keep your dog safe while sitting in the car.

7.	Make a stop every few hours to walk your dog and give him some water.  Some dogs are frightened by the noisy trucks driving by, so try to walk in a quiet area.  Be a good citizen and bring plastic bags along to pick up the mess.

8.	If your dog is anxious about staying in a hotel or strange house at your destination, he might not eat or drink.  You don’t want him to get dehydrated, so be sure to get him to drink, at least.  You can mix chicken broth or gravy into the dog’s water.  That will usually get him to lap it right up.  You can mix chicken broth or gravy into the food too.

The first trip will be the hardest, because your dog will not realize that you are coming back.  With the first trip behind you, if you have taken the time to make sure it is pleasant for your dog, future traveling with your dog should be a breeze.

5 Ways To Choose The Best Travel Insurance For Your Holiday

Travel insurance is one of those areas that mean nothing to you until you decide to hit the road – or the air – then suddenly every ad is for travel insurance and everywhere you look another company is touting for your business. So how do you choose the best insurance company and the best travel insurance for your unique travelling needs?

5 Points To Consider

1.The cost of the policy could be more than what you pay

When reviewing the policy options never start with the price first. As with most things in life you get what you pay for and while you want to be sure to get the best value for your money, this does not necessarily mean the cheapest price. Comprehensive cover that delivers and supports in time of need is what you should be looking for.

2.What back up do you receive in an emergency?

Are you being sent on your world tour with a 9 to 5 Monday to Friday contact number or are you provided with fully comprehensive numbers providing 24/7 contact and support, reverse charge options and 0800 numbers.

3.What is included as standard in your policy

Some companies come in with a low rate and then charge extra for every doorknob eventually leading to over inflated cover. Go through the company’s policy offerings to be sure exactly what you are covered for. The range should be extensive as the company should know and have addressed a range of pitfalls you may not have thought of.

4.Who underwrites and supports the company

Establish who your support company will be should you face a medical emergency or the need for evacuation. Most companies do not handle these highly specialised areas themselves but have aligned themselves with skilled and experienced worldwide organisations to ensure the best possible protection and support for their customers.

5.Does the company cater for varying needs?

Does the company provide a one size fits all policy? Beware, you may be paying for cover you don’t need or be under insured in some critical areas. Look for a company which provides a range of covers including NZ only travel policies, backpacker, group or duo options, long stay, one way or gap insurance and more.

5 Tips for Business Travelers in Moscow

With over 10 million residents and a rich and fascinating history, Moscow is the center of Russia's economic, cultural, and educational landscape. As a result of the country's steady economic growth and virtually unlimited potential, an increasing number of multinational corporations have set up shop in Moscow, bringing an unprecedented number of business travelers to the city. Yet the city's size and complexity, combined with the country's unique language and culture, make Moscow hard to navigate for foreigners. Here, then, are some tips to help ease the way for business travelers.

1. Carefully Choose Your Accommodations

Where you choose to stay can make the difference between a successful and a disastrous business trip. Your best bet is to select a business class, fully equipped, serviced apartment rental in Moscow. A short term rental will provide you with familiar Western comforts, while giving you access to the equipment you need (like Wi-Fi Internet; a computer printer, scanner, and fax; and free local calling) to stay connected and get the job done. Many come with a fully equipped kitchen and a washing machine, which will help you settle in and concentrate on the business at hand.

When selecting Moscow rentals, be sure to look for rentals in the upscale Arbat area of Moscow, within the Garden Ring Road. This is a very safe area, and one that is close to supermarkets, embassies, stores, restaurants, financial institutions, and nightclubs. Furthermore, unless you're fluent in Russian, choose to work with a company that is Western owned and operated. An English-speaking staff will go far in ensuring that your stay in Moscow goes smoothly and is stress-free. 

2. Getting through Passport Control

When you arrive at Domodedovo International Airport or Sheremetyevo 2 International Airport, it's easy to become overwhelmed by the lines and procedures at passport control and customs. The best serviced apartment rental companies can also arrange for full airport VIP services, Fast Track check in, and business lounge access. 

3. Visa Registration

Russia has very strict regulations for foreigners visiting Russia. Not only do you have to register upon your arrival in Moscow, but if you visit other cities, you have to register there as well. If you are staying in a short term rental, the Western company that manages the rental should be able to assist you in complying with the myriad visa requirements.

4. Airport and Train Transfers

Many business travelers are overwhelmed by the logistics involved in going to and from Moscow's airports and train stations. There are four major airports and nine train stations in the city, as well as the world's most extensive Metro system. Although it's possible to negotiate Moscow's transportation system on your own, it's much less of a hassle to book an airport or train station transfer with the Moscow rentals company you select. 

5. Taxi and Transport Services

Whether you need to get around Moscow or are going to one of the many popular tourist destinations in Russia, it's important to select a reliable taxi and transport service. Again, it's helpful to be able to rely on Westerners, who can arrange for you to book an hourly taxi. 

With the right planning, business travel in Moscow can be both productive and enjoyable.