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Types of Travel Insurance Policies

February 3rd, 2010 No comments

Whether traveling for pleasure or business, it is important to consider what you would do if you suddenly found yourself in a situation where you were seriously injured or became very ill. You do not want end up in a situation where you could find yourself with an enormous medical bill or you are stranded in a foreign country with no money to get home. The perfect solution to protecting yourself and your loved ones is to purchase Travel Insurance Canada.

Travel Insurance was created to protect people when they are traveling abroad or within their own country. It is insurance that is used to cover a number of situations such as medical expenses and financial and other losses that one may incur while traveling. Travel insurance offers coverage for a variety of different types of travelers such as cruise voyages, student treks, business travel, vacations, international travel, and much more.

The following is a list of different types of travel insurance policies available:

Trip Cancellation/Interruption Insurance: This type of insurance provides coverage if an unexpected event causes you to cancel or interrupt your trip. It is designed to provide coverage for such circumstances as a sudden illness, injury, or death of the insured, or a member of the insured’s family.

Medical Insurance: This includes coverage for such events as emergency medical evacuation, transportation to a hospital, treatment and medication costs, hospital stay, transportation home, etc. Compensation will go to the insurer or beneficiary in case of accidental death, loss of sight, or loss of a limb.

Comprehensive Travel Medical Insurance: This type of insurance is designed for individuals who have left their jobs and lost their insurance coverage, or for people residing and working in another country other than their own place of citizenship for an extended period of time.

Baggage Loss/Delay Insurance: This coverage protects you in the event that your luggage is lost, delayed, or stolen. This may include compensation if your bags are delayed for more than 12 hours after you arrive at your destination.

Ski Travel Insurance: This type of coverage protects you when you are on a ski vacation. It can include trip delay/cancellation, medical expenses, baggage loss, equipment theft…etc.

Flight Delay or Cancellation Insurance: This coverage provides coverage for accommodations, meals, and new travel arrangements if you are delayed for a certain amount of time, or if your flight is cancelled.

Emergency Travel Medical Insurance: This insurance covers emergency services while traveling abroad. It covers a wide range of medical problems.

Travel Document Protection: This insurance will help replace lost or stolen travel documents. It is designed to help you replace a passport or other travel documents when they are lost or stolen.

Some travel agencies and travel suppliers offer travel insurance as an option along with their travel services. You can also travel insurance from specialists in the insurance field. This includes travel insurance companies.

Acquiring travel insurance for your next vacation will make your trip more relaxing and enjoyable because you will know that you are protected.

Dan Pucher Insurance is an independent Broker offering personal and corporate solutions. When looking for Visitors to Canada insurance, and Canadian Health Insurance please visit us

How To Tour Rome On A Budget: 5 Ways To Save And Enjoy Rome!

August 3rd, 2009 No comments
by Cristiano Rubbi

Name a concern people often have when travelling abroad. FOOD will probably be number 1 on the list. Here are some suggestions that may help you solve this problem, quality and cost wise, when visiting Rome. RISTORANTEs are fine, but fairly expensive. Try instead HOSTERIAs or, even better, TRATTORIAs (meals there would be about 18/25 Euros /per person; keep in mind that a cover charge always applies. Prices are shown also on stands outside the place). PIZZERIA is another sign that may come in handy: sit-down pizza meals are about 15/20 Euros / per person (pizzas are usually quite good in Rome), take-away pizzas won’t go over 6 Euros each excluding drinks. INSALATA RICCA is a food franchise group specializing in big salads and various kind of traditional pasta dishes (meals about 10/25 Euros / per person). Finally, the usual old Mc. Donald’s, Burger King or similar chains are spread throughout the city, but not Kentucky Fried Chicken.

In Ancient Rome there used to be three ways to get around in the city: on foot, on a litter or on horseback. These days you can still walk around the city, horses are used to draw cabs (but these are so expensive!), litters have been replaced by taxis or rental cars, with or without drivers. Fortunately, nowadays you also have public transport, which is cheap and fairly efficient: it includes buses, street-cars and the subway. Our advise to you – if you want to save money and still get around well: public transport all the way, unless you prefer to walk. The main thing you should be aware of is that ATAC – the Rome public transport company – makes available various types of tickets, depending on how long you plan to stay in Rome. These are the alternatives that you are most likely to need: BIT- Integrated Time Ticket. How much does it cost? 1.00 Euro Where can I buy it? Ticket offices and shops. How long does it last? 75 Minutes from the time of validation (to be done immediately on boarding the first vehicle; you can only use it once on the subway) Where can I use it? On public transport within Rome, on buses, trams, trolley-buses and Cotral coaches, on the Rome Subway lines A and B, on Met.Ro regional trains: Rome”Lido (Ostia). BIG ” Integrated Daily Ticket. How much does it cost? 4.00 Euros. Where can I buy it? Ticket offices and shops. How long does it last? Until midnight (24.00) of the day of its validation (to be done immediately on boarding the first vehicle) and for an unrestricted number of journeys. Where can I use it? On public transport within Rome, on buses, trams, trolley-buses and Cotral coaches, on the Rome Subway lines A and B, on Met.Ro regional trains: Rome”Lido (Ostia). BTI ” Integrated Tourist Ticket. How much does it cost? 11.00 Euros. How long does it last? For 3 days from the date indicated by the ticket holder and for an unrestricted number of journeys. Where can I buy it? Ticket offices and shops. Where can I use it? On public transport within Rome, on buses, trams, trolley-buses and Cotral coaches, on the Rome Subway lines A and B, on Met.Ro regional trains: Rome”Lido (Ostia). CIS ” Integrated Weekly Ticket. How much does it cost? 16.00 Euros. How long does it last? For 7 days from the date indicated by the ticket holder and for an unrestricted number of journeys. Where can I buy it? Ticket offices and shops. Where can I use it? On public transport within Rome, on buses, trams, trolleybuses and Cotral coaches, on the Rome Subway lines A and B, on Met.Ro regional trains: Rome”Lido (Ostia).

Churches and museums. Rome has been called “the city of a thousand churches”. Clearly a gross understatement. How many are they exactly? The bad news is: the Vatican only knows! Obviously tourists are mostly interested in some churches – St. Peter’s, all the Basilicas and a number of other churches which are particularly important from a religious or and /or architectural and artistic point of view. The good news is: you can enter any of these churches without paying a dime. The same does not apply, unfortunately, to museums. But the other good news is that most admission fees are fairly low and often allow for reduced-price tickets. In some cases admission is even free; obviously this does not apply to the main ones, with the exception of the Vatican Museums where admission is free on the last Sunday of each month.

International Phone cards are a great invention, particularly since they cut costs considerably (with a 5 or 10 Euros card you can speak with the States about half an hour to an hour). Incidentally, you can use them on any phone you wish – public, private or mobile.

Are you visiting Rome on a very warm day and you feel like having a drink? There are plenty of kiosks and bars selling nice ice-cold drinks of all kinds (mineral water, soft drinks, beer, etc.). But just in case you don’t feel like spending more than necessary (sometimes you may be asked 5 Euros for a bottle of mineral water), we suggest you fill up a bottle with fresh water from any of the small drinking fountains on the roadside in many streets in Rome. Please note that the water gushing out of large artistic fountains is not necessarily drinkable.

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