“T” is For Trip Insurance-ABC Travel (General tips)

 

I have a love/hate relationship with insurance.  I love having it when I need it, I hate paying the extra when I don’t.  However, insurance is something you hope you never need to use, but you get it anyway.

It seems there are insurance plans for everything….your car, your home, your teeth, and your health… But oftentimes people forget that their normal insurance policies typically won’t cover stolen items or accidents/health issues which occur overseas. This is where travel insurance comes in.

Actually, there are many reasons for taking out travel insurance.  Seasoned travelers are well aware that flights, hotel reservations, car rentals, cruises, land excursions and medical expenses are often not covered in the event of a trip interruption, illness, injury or even death.  Let’s not forget about the large numbers of travelers who found themselves stranded when a global pandemic broke out and the world came to a halt.

More commonly someone suddenly falls ill or is injured before leaving on a trip or while abroad. Maybe there is an unexpected job loss or a death in the family and the trip needs to be cancelled.   Without insurance, you are likely stuck with the cost of your ticket and you may find yourself on the hook for any hotel and car reservations you have made.  These expenses can really add up.

In a different scenario, maybe you made your first flight, but perhaps the plane sat on the tarmac or the flight was rerouted due to weather.  Perhaps this caused you to miss your connection or even to  miss the departure of your cruise.

If you have “missed connection coverage” on your travel insurance, you will have the option of taking another flight to the next port-of-call, or taking the next available flight to your destination,  You might even be able to stay in a nice hotel while waiting.  Without trip insurance, you may be stuck.

Imagine that you are on your dream vacation when a storm damages the area.  Hurricanes, tornadoes, floods, blizzards and more can all disrupt your plans and/or cause damage to your property.  Travel insurance can protect you during these times.

Let’s say you fall or become ill during your trip.  Maybe you require emergency dental care or surgery.  Without travel insurance, you will be paying out of pocket for these expenses.  Many health and dental plans will not cover expenses out of network and even fewer emergencies may be covered when you are out of the country.

In a worst case scenario, you or your partner dies while on vacation, there will be expenses to get the body home.  Since preparations must be made to move a body, these are likely more significant than booking a seat on the next flight.

Most people think of travel insurance as a way to cover their expenses should they need to cancel, however travel insurance may offer so much more:    It may pay for replacement clothing and supplies if your luggage is delayed;  it may reimburse you for lost luggage;   It may cover medical expenses if you are injured or fall ill;   If your trip is cancelled or interrupted for any reason, your trip insurance may provide some protection and/or cover all or at least part of the associated expenses;   If you injure someone while driving a rental vehicle, your travel insurance may offer third party liability;  If you are the victim of a hotel/motel burglary, or you have items stolen while on a train (or at the beach, or while on tour or….) your insurance may replace your valuables;   If you have a death  or dismemberment while traveling, your policy may provide repatriation and/or offer liability coverage;  If political unrest suddenly breaks out and repatriation is required, you policy may provide for emergency evacuation.

Like most insurances, a small investment up front can protect you for most disruptions while offering peace of mind while you travel.

In general, the more complicated and/or expensive the itinerary, the more beneficial it is to have insurance.

For most international travel it is worth taking out insurance.

The more challenging your health history, the more beneficial it is to have additional insurance.

Trip insurance is usually less expensive the further out it is purchased.  Sometimes there are incentives to purchasing within days of finalizing your plans (such as covering pre-existing health conditions).

Always read the fine print to understand what your insurance will and won’t cover and the terms for each portion of your policy. Not all policies cover everything,

Always check with your existing policies (homeowners, auto, medical and life) to see what coverage you may already have.

Some credit cards offer additional protections based on your status.

If you will be doing high risk adventures such as scuba diving or jumping from planes, you may consider adding accident insurance to your travel insurance.

It can be overwhelming to choose a travel insurance.  There are many insurance companies to choose from and depending on your itinerary, activities, health and expenses, you may need different coverage.  We like using the website www.insuremytrip.com to help narrow down which policy will best suit for our needs.

 

“A” is for Arranging Your Best Cruise Vacation-ABC Cruising

NCL-2008

When we choose a cruise, we always ask ourselves what we want to experience.

  • Is our goal to set foot upon each continent?
  • Is it to immerse in a single country, or do we want to experience many different ones?
  • Is it the ship itself that we want to experience, or the itinerary?
  • Do we want restful days at sea, or an action filled schedule?
  • Are we willing to take a repositioning cruise to complete any of our goals?
  • How long do we want to be away?
  • What time of year do we want to travel?
  • Is this the best season for the areas we hope to see?
  • Where does the ship depart from and return to?
  • Will we need additional travel days to get there?  Do we need to schedule transfers from a plane to the ship?

What does the ship have to offer?

  • What is the brand of the cruiseline?  Is it known to be a party ship, or luxury liner?  How old/young is the average passenger?
  • How old or young is the ship?  Has it been refurbished?
  • What are the reviews for the ship?
  • How many passengers does the ship hold?
  • Are kids likely to be on the ship?
  • Are there adult only areas?
  • How many pools are there?
  • What activities are available on board?  Are there water slides, golfing, go carts or wave pools on board?   Which of these (if any) are important to me?
  • If the weather is bad, what indoor activities are available?  Are there classes and cultural immersion opportunities?  Are there shops available?  Is there a movie theater?
  • What kinds of entertainment will be available?  Are there Broadway style performances, pianists, comedians, magicians?
  • Are there areas for quiet activities, such as a library?
  • Is internet available?
  • Is the dining schedule rigid or relaxed?  What options for meals do I have?
  • What kinds of rooms are available?

Money matters.

  • What is included in the cost? What is not?  Often alcohol, specialty coffee, specialty dining, internet and shore excursions will cost extra.
  • Are gratuities included?  Most cruise lines add $12-$15 per day and there is often an 18% gratuity for drinks.
  • Are there packages available?
  • What discounts/promotions are available?

Have a great vacation!

 

 

 

 

“L” is For Lightweight Luggage-Packing Tips and Tricks

Don’ t waste your weight limits by owning heavy suitcases!  On a recent trip, I weighed our cases before I even began packing.  They weighed over 13 pounds and this was before I had even added one pair of socks!

With average weight restrictions on most flights being only 50 pounds, I was frustrated with giving up over 20% of the maximum allowance to the suitcase.  But where to begin looking for a new case?

There are so many options when it comes to luggage.  Since we would be making a substantial financial investment in them, I wanted to give some thought to what we needed.

My body is aging and lifting cases has become more difficult over the years.   I want to be able to move the cases easily.  I was looking for a case which could be pushed or pulled.  My last wish was for adjustable handles, since there is a significant height difference between my husband and I.

We knew we would be taking these cases around the world.  I needed them to be sturdy but as light as possible since we might be away for long trips, which might require a lot of clothing.

There were many things which distracted me while I was shopping, such as built in power banks, but sticking to my original wishes, I realized these would just  weigh the bag down.

A little research and a shopping trip later, we ended up with these great bags from Travel Pro.   With over 8,000 reviews, customers consistently expressed how happy they were with the cases.  Many had completed hundreds of trips and still saw the bags outperforming others.  I was sold.

The Travelpro Maxlight 5 is regularly featured on many travel blogs (which is how I had found it).There are 4 different size options ranging from carry on to 29″.  There is also an underseat tote.

We chose the 26″ for our needs.  This large suitcase weighs just 7.5 pounds!  This gave me an additional 5+ pounds of wiggle room, compared to our older luggage.

With 10 choices of colors, the most difficult decision was which one to choose. In the end, we defaulted to our trustworthy black.  Although we loved many of the color choices, we worried that some of the lighter ones might show the dirt (even though they are stain restistant), we just wanted low maintenance.  We also knew that we would eventually tire of the colored cases,  or they would become obsolete in time.  Since we expect to keep these for a while, we stuck with the tried and true.

There were additional features which attracted us to this luggage such as:

  • spinner wheels- so we don’t have to pull the case.
  • multiple locking positions on the handle-adjusts for tall/short people.
  • a water and stain resistant exterior- which is handy if the case sits outside in inclement weather (as ours did on our 2021 trip to England).
  • side handles AND top handles-for easy grabbing in every direction off of those overfull baggage carousels.
  • an expanding zipper- which adds an additional 2 inches of depth to the case.  Great when you buy too many souvenirs.
  • many zippered sections-to tuck in those odd items.
  • a separate lid pocket-great for separating and organizing.
  • patterned interior-this was especially helpful with the small tote.  No more caverns of dark fabric when reaching into a deep bag.
  • interior straps-to keep the contents snug.