Travel Insurance Review

as-seen-on-header

  • Home
  • COVID
    • “Cancel For Any Reason” for COVID19
    • Travel Medical for COVID19
    • State Restrictions for COVID19
    • Airline Change/Cancellation Policies
  • Best Travel Insurance
  • Beginner’s Guide
  • Hurricane
  • Reviews
  • Tips & Advice
  • About
  • Podcast

Things to have on a motorcycle trip

March 2, 2010 By Damian Tysdal

My ride at workPlanning for any kind of trip can be very bothersome. You have to work out lots of different things like where you want to go, how long you’ll be gone, where you plan to stop along the way, and how much all of it will cost. When you take a motorcycle trip, things tend to get a lot more complicated. The cost for gas goes up, as does the need for a travel insurance policy, and the space available to pack for storing things is just so limited.

When it comes to motorcycles, they offer freedom of one type, but they can greatly complicate a trip. Most motorcycles do have storage areas, but they hold nowhere near as much as a car does. A car has not only the trunk, but also the entire interior. A motorcycle has, if you’re lucky, built-in storage and a hard case but that’s about it. That cuts down the capacity for bringing things along quite a bit.

It means you can really only bring things you absolutely need. Since you can also wear a backpack or some type of pack, it’s also important to remember not to overload yourself with unnecessary weight that will actually end up causing you pain or discomfort.

Firstly, you absolutely have to pack an emergency safety and repair kit. You just have to. Much like a cheap travel insurance policy which is very important for a motorcycle trip, you may find yourself in trouble if your bike breaks down and you have no place to fix it. You’ll need the kit with you on the off chance that the problem is something you can fix yourself.

Next, you need to consider the duration of your motorcycle trip. This is important because it determines how many days worth of clothes you’ll need. Pack layers of thin clothes to take along because they take up less space as opposed to packing fewer thick types of clothing. In other words, if you’re going to be gone awhile and need many changes of clothes, opt for thinner clothes that won’t take up as much space since you can always layer later to keep warm. Also bring some snacks and water, too. It’s easy to find yourself becoming dehydrated in the heat on a bike so it’s better safe than sorry. All of these things are examples of what you need to have on a motorcycle trip.

Filed Under: Learning

How to plan a fall foliage trip in New England

March 1, 2010 By Damian Tysdal

Keystone ArchesAutumn is one of the most beautiful seasons of all, and nothing says fall like colorful leaves or foliage. These leaves turn into gorgeous colors of red, orange, and yellow, and nowhere in the United States does fall foliage stand out quite like New England. Every fall season, thousands of people flock to the New England states to visit and enjoy the wonderful restaurants, views, and colors. If you are planning a fall foliage trip up north, there are several things to consider before you hit the road. First, look into each state and find out when the leaves begin to change so you can plan accordingly. Know which states are considered to be New England states. Vermont, New York, New Jersey, New Hampshire, Connecticut, and Massachusetts are the most popular states to visit.

While most of these states have peak color around the same time, some can be different by a span of a month or more. For example, the peak fall colors for most areas of New York and New Hampshire are towards the end of November, but they peak in large areas of Connecticut in October. Think about where in each state you want to visit, and then create a map with a timeline so that you don’t miss anything along the way. Consider investing in some single trip travel insurance, in case an emergency arises while on the trip.

Since the fall brings chilly weather, and this weather can be much cooler in the New England states, it’s important to pack and dress appropriately. Overall, the fall month temperatures in the northern states vary from the mid 50s-60s during the day, to around the 40s or even colder at night. It’s recommended that you bring a sweater and a jacket or even a coat if you plan on being outside for any lengthy period of time. If you do not want to drive to New England yourself to take a look at the gorgeous fall foliage, there are many organizations that offer bus tours and guided trips. If you choose to participate in a trip like this instead of driving on your own, it’s still a good option to buy travel insurance in case anything gets lost or stolen such as luggage or identification.

Bring along a camera so you can capture some of the stunning colors and beautiful landscapes. There are also many fun things to do while on your trip to New England such as visiting landmarks or museums, and enjoying fine wine and dining.

Filed Under: Learning

How much gas will I use on my road trip?

February 28, 2010 By Damian Tysdal

Gas Station 1939Planning road trips is not as easy as it seems. There are lots of things you have to consider such as: what to pack, how much is too much, where you’re going, how to actually get where you’re going, where to stop along the way, how much a travel insurance policy will cost, and more. You also have to plan something very critical: how much gas you’ll use on the trip.

This is important because it’s an integral part of any road trip’s budget. No matter what else happens, you have to be able to buy gas to get you where you’re going. To make sure that you don’t run out of money before then, you’ll need to budget how much gas you’ll need to buy and how much that’s likely to cost in today’s market. This information can even factor into whether or not you can get a good cheap travel insurance policy.

So how do you find out how much gas you’ll need on a trip? This is actually a complicated process. First, you need to find out the MPG, or miles per gallon, that your car gets. This means how many miles the car can go on a single gallon of gas. Most car manuals come with this information in the guide book for the car, but if you need to find out, reset your odometer the next time you go from empty to a full tank and see how far you do on a mile in the car. This is sum #1.

Be aware that trucks do worse on gas mileage and will thus be far more expensive to take on a road trip. In fact, if you’re going on a road trip, it may be cheaper to actually rent a car instead of taking a truck. The amount of money you might end up saving will often be at least equal to, if not more than, the cost of renting a car in the first place.

Next, you need to calculate the length of your trip. How many miles will it be? Doing this is very easy. All you have to do is go online to any of the many map services, input your arrival, and departure addresses. The map will then tell you exactly how many miles you’ll be driving. Mark this information as #2.

Then you need to find out the average gas price today. Gas prices vary widely depending on where you’re traveling so using the nation’s average is the best way to try and plan for how much it will cost. This information can also be found online. You add three random gas prices, divide them by 3 and then mark this as #3.

Then, at the very end, divide #2 by #1. Then take that number and multiply it by #3. That will tell you how much you will have to spend, approximately.

Filed Under: Learning

How to budget food for trip to Disney

February 27, 2010 By Damian Tysdal

The Sleeping Beauty CastleWith the Christmas season just around the corner, many families will be going on vacations and spending a few days in Disneyland in California or Disney World in Florida will be high on some people’s list. If you are going to Disneyland or Disney World, you should have made all the necessary preparations by now, securing bookings for the air tickets and the hotel rooms, even down to travel insurance. Yet, there’s one more thing to consider and that’s budgeting for food.

Depending on the size of your party, the duration of your holiday, and the kind of dining you desire, your spending on food can vary some bit. For the purpose of this discussion, let’s assume that you have a party of 2 adults and 3 children and you plan to spend 3 days, which gives you plenty of time to indulge in all the Disney magic. For 3 days, you will have to budget for 3 breakfasts, 3 lunches, and 3 dinners, which comes up to 9 meals, excluding snacks.

For breakfast, you can grab some muffins, sandwiches, or croissants with some coffee or juice for the children. Be prepared to spend about $6 per person so it will be $30 for your party and $90 for 3 days. In Disneyland as well as Disney World, there are lots of dining options. Surely, the kids will be thrilled to dine with their favorite Disney characters so you should put in a Character Dining during one of the days. Here, prices can vary greatly. For instance, Chef Mickey’s Buffet breakfast is priced at $22.99 for adults and $12.99 for kids. For lunch at Cinderella’s Royal Table, it costs $33.99 for adults and $22.99 for children. Other than that, you can have buffet brunch for about $15 per adult and $10 for children at various locations. Accounting for one Character Dining and two normal lunches, expect to spend about $300 for lunches in the parks.

For dinner, there are also many dining options and you can spend anywhere from $5 sandwiches to $15 entrees to $18 buffets to $50 elaborate dinners. If you mix it around, you should budget about $300 for 3 dinners. Also, you will have to consider the matter of water because the children will ask for it many times, and drinks are not cheap in Disneyland or Disney World. You also have to buy water for your lunches and dinners so let’s put it at $150 for 3 days.

Now, to cover all the meals, it will be a grand total of $840 for your party.

Now that you have an idea about how to budget for your trip to Disneyland or Disney World, it will be a good idea to get a singe trip travel insurance to cover for emergencies.

Filed Under: Learning

What to bring on business trip to Europe

February 26, 2010 By Damian Tysdal

Bag transfer (from Covertec to Timbuk2)Unlike a vacation trip to Europe where you have the luxury of taking with you loads of luggage in case something might come up, a business trip is different. Firstly, your trip is going to be rather hectic so you should pack only the necessary. Sure, your travel insurance will most likely cover for lost luggage in case it gets lost, but you would not really want that to happen, would you? The key to packing for a business trip is to pack lightly and smartly.

Always make sure to bring at least one dressy piece of clothing: a suit for a man and a dress for a woman. In some cases, you may have to attend a formal dinner or a company function. Bring only two pairs of skirts or trousers. Choose classic colors like black, brown, and beige so you can easily mix and match them, plus two or more shirts or blouses. Always remember to prepare according to the seasons.

For toiletries, use travel-sized packs and bottles for shampoos, gels, shaving creams/oils, moisturizers, etc. If you don’t have so much space, simply leave the ones you have at home and visit a nearby convenience store for these things. Just include your toothbrush, cap, and dental floss.

Don’t forget your important business documents since that’s the primary reason you are traveling. Also, bring enough business calling cards so your contacts can easily contact you. It would also be a good idea to bring a guidebook so you will not get lost on the way to your meetings. Most importantly, you should not forget your passport and you should carry it on you at all times, just in case you have to present it. Other items include your travel medical insurance card, credit cards, some extra cash, international driver’s license, and any other relevant documents.

Surely, you will bring your computer along so don’t forget other essential devices that need to go with it, including your laptop charger, and a couple of CDs or a flash disk for backup storage. Most hotels offer free Internet access in their rooms and there are many Internet Cafes that offer additional services such as printing and scanning. If you are staying for longer than a day, bring along your cell phone charger, but make sure you have a universal adaptor as well.

Make sure to take care of your belongings, especially in those places in Europe that are notorious for pickpockets and street criminals. Loss, damage, or theft of any of your belongings will very likely be included in any cheap travel insurance plan, so for added security, better get one before you go.

Filed Under: Learning

What to bring on a road trip

February 25, 2010 By Damian Tysdal

Rain in the desert, Arizona near the Black MesaA road trip is a great way to see the country and spend some quality time with your family or friends. Traveling by vehicle is still the number one way that Americans prefer to travel. If you’re planning a road trip, there are several things that you should remember to bring along.

First, consider the safety of your vehicle and make sure that all four tires are at the correct pressure and check the tread. Windshield wipers should be clean and in good condition in case you run into some rain or other inclement weather. A safety kit is definitely a must for any road trip. The kit should include small orange cones or flares so you can mark off where you are on the side of the road and alert other motorists. The kit should also contain an air compressor, tire jack, jumper cables, flashlight and batteries, and a couple of different sized screwdrivers. These simple essentials can be real lifesavers if you have a flat tire or need to pull over for any reason. A raincoat can also come in handy, and do not forget to bring blankets and pillows.

If you plant to take a long road trip, travel insurance is recommended. Be sure to bring along all of the vehicle’s documentation including the registration and of course, your driver’s license. A single trip travel insurance policy can come in handy in the event of loss or damages. Find out which policies will fit your needs best. Safety should always be a priority when planning a road trip since the unexpected can often occur. Of course, do not forget to bring along a cooler with some cold drinks, and food for both meals and snacking. If the kids are coming along on the trip, games like crossword puzzles, word searches, and handheld gaming devices will make the voyage less stressful and much more fun. Bring a video camera to document the trip and take footage of landmarks along the way. Some DVD’s are also a good idea if your vehicle has a built in DVD player.

Make a list of all necessities as well as fun things to do for your road trip in advance so you do not leave anything out. If you are well equipped, you will have an enjoyable and safe trip that should provide some wonderful memories.

Filed Under: Learning

How do I become a travel agent?

February 24, 2010 By Damian Tysdal

Travel agents work with the general public to help them book their travel arrangements and even help them with their travel insurance policy. Though the industry has for the most part shifted away from traditional brick and mortar establishments and moved toward online outlets, the demand for good travel agents is still there. While many travel agents have the flexibility to work from the comfort of their own homes, there are still some very important steps to take to become a travel agent.

Education
Interested parties should have at least a High School Diploma or GED. Some travel agencies will prefer a Bachelor’s Degree or other degree from a college institution before their applicants will be considered for the position.

Knowledge
Those who want to become travel agents of course need to be knowledgeable when it comes to the subject. Study up on the most popular vacation destinations, what makes them popular, the attractions, the accommodations, the financial demands of the area, and any other facts about the destinations that will help you sell. Focus on areas that are popular for honeymooners, families, tropical, and fun filled. Take time to learn about travel insurance as well, because people may be interested in protecting themselves and their belongings while away on vacation. For those who travel often, multi trip travel insurance is an option to help them save money.

Continuing Education
Don’t stop with a high school diploma. There are many travel related industries and degree programs to become involved in that will help a career as a travel agent to grow and flourish. Seek out programs in travel and tourism if possible. The important part is to establish expertise in a related subject area.

Travel
A travel agent should be well traveled, to better be able to speak about the areas they are booking. People enjoy hearing first hand accounts of vacations including accommodations and attractions, so the travel agents who have been to a particular destination are able to sell it a little easier than those who have not.

State Registration
Some states require their travel agents to be registered. Check with the state Chamber of Commerce on their requirements and register if necessary.

Tips and Tricks

  • Becoming computer literate will help reach a broader audience of people through Internet marketing. Many agents use websites to help their clients book travel without having to meet face to face, so knowing about the web is a major plus. Consider enrolling in a simple web design course at a local community college to learn even more skills.
  • Learning another language, such as Spanish will make it easier to reach more people and make it easier to market to potential employers. Being bi-lingual is a very marketable skill and opens up the doors for more customers.
  • Consider becoming a Certified Travel Counselor. After 5 years of experience as a travel agent, a course is available to certify people as travel counselors. This will enhance the career.

People who have always enjoyed interacting with others and have a knack for or desire to learn about other people, places, and things should strongly consider a career as a travel agent.

Filed Under: Learning

What is the purpose of a passport and visa for international travel?

February 23, 2010 By Damian Tysdal

When you’re traveling outside the US, you will always need a passport to gain access to another country and you may sometimes need a second document called a visa.

  • A passport is issued by your home country. It identifies to other nations that you are a legal citizen of your home  country. A passport is required for all international travel – by all nations.
  • A visa is issued by a foreign country and the rules vary by country.

Depending on your reason for traveling and how long you intend to stay, you may need both documents. Here’s what you need to know them.

When do you need a passport?

You will need a passport with typically at least six months’ validity to enter another country’s borders. The purpose of a passport is to identify your legal citizenship. When entering another country, you will typically show the customs agent your passport and it will be examined, then stamped to show when you entered that country.

Essentially, a passport is your entry ticket to cross the border and visit another country. In most cases, there is a limit on how long you can legally stay in that country before you are expected to leave.

When do you need a visa?

A visa is another legal document that specifies the reason you are staying in a foreign country. It will also specify the amount of time you have in that country before you are expected to leave. If you work in a foreign country, you will need a visa. If you attend school in a foreign country, you may need a visa. The rules for every country are different, but it all comes down to how long you will say and what your purpose is for staying.

What does a passport contain?

Most passports contain your photograph, name and birth date, along with your nation of origin and a signature. American passports typically last for ten years, and the expiration date is clearly shown on a page. Every country has specific guidelines in terms of getting a passport. The laws are different from country to country, so it is best to find out what is required before attempting to get one. If you’re traveling somewhere that a passport is required, travel insurance is recommended in the event the passport gets lost or stolen.

What does a visa contain?

Most of the time, visas are granted to people who work or plan to attend school for a select amount of time. It is a supplement to the passport, since both are required at the same time. The visa may be stapled or attached to the passport and shown at the time of entry into another country. Visas have time limits, and typically that time is about six months. You can request that a visa be extended in certain circumstances, but there are usually strict requirements you must meet before getting a time extension. Just like passports, a travel insurance policy is recommended in case the paperwork is misplaced.

What’s the difference between a passport and a visa?

Passports are a form of legitimate identity because of the procedures that people must follow in order to get one. Most countries require an original birth certificate as proof of citizenship and identification. There is also a fee and a waiting period, along with other requirements. This process ensures that people applying are able to supply positive identification. The true reason behind passports and visas are to protect the people living in their native countries from foreigners who may be terrorists or illegal immigrants that cannot provide proof of their national origin.

Passport have been in use for decades, and have proven to be an effective way to help keep unwanted visitors out. It can be considered a global identification system, since they are used in just about every country in the world. Passports and visas keep us safe and allow us to see and travel the world.

Filed Under: Learning

« Previous Page
Next Page »

About this website

My name is Damian, and I started this website in 2006 to help travelers understand travel insurance.

The site features company reviews, guides, articles, and many blog posts to help you better understand travel insurance and pick the right plan for your trip (assuming you actually need travel insurance).

I am also a licensed travel insurance agent, and you can get a quote and purchase through this site as well.

Get the Cheat Sheet

Popular Companies

  • Allianz Insurance
  • CSA Travel Insurance
  • Seven Corners Insurance
  • Travel Guard Insurance
  • Travel Insured
  • Travelex Insurance
  • TravelSafe Insurance

Learn about Travel Insurance

  • Beginner’s Guide
  • Coverage Guide
  • Tips and Advice
  • Company Reviews
  • Types of Plans
  • Types of Trips

Blog Article Categories

  • Learning
  • Types of Plans
  • Types of Trips
  • Coverage
  • General
  • In The News