When you travel, you are probably concerned about having good insurance coverage, should something ever happen and you need it. While you are probably concentrating more on having fun on your vacation, making sure you will be well taken care of should an accident or unforeseen event occur is a very important consideration. That is why it is good to purchase travel insurance just for the occasion.When choosing good coverage there are several factors to consider. You want to be sure you are covered in just about any aspect as your normal coverage would provide you at home. Important features are emergency room coverage, accident coverage, and hospital stays.This becomes especially important if you will be traveling outside Canada. In order to make your policy work, you need to make sure there is a co-operative relationship between the policy holder and the company providing the insurance. Because the medical treatment around the world is so broad and varied, the home-based insurance companies will often provide you with booklets that outline what they will and won't cover. That is why it is very important for you the purchaser to become to become as familiar as you possibly can with the basic guidelines of the policy before an emergency ever occurs. Decision so any reimbursement of expenses are not likely to be the first thing when you are in an urgent situation. Below are a few guidelines for insurance financial coverage should an emergency occur.BE sure to obtain authorization. As soon as possible, be sure to call the number for the emergency service center provided policy. The role of the service center is to manage your medical care and make the overall claim process faster and more efficient. The center should provide claim administrators, on site doctors, nurses, and other medical officials to arrange to help manage your care and monitor any treatment that may become necessary in an emergency situation. If possible, do not proceed with any treatment before receiving the proper authorization.IN order to assist in the claims process more efficiently, you should supply all information and facts you can as accurately as possible. Keep a log of the contacts at both service center and your insurance company. This includes the names of people assisting you, the date of contact, what was discussed during any conversations that took place.You should also keep a detailed record of all medical transactions and get receipts for all medical care including: tests, treatments, and proscriptions. Receipts are an absolute must when making a claim, and you never know when you may need them. You should also observe the time limits of your policy. Complete the supplied forms and enclose all bills signed by the attending physician, along with receipts and any supporting claim documentation that will prove necessary when filing your claim. Also include all numbers such as those pertaining to your policy, along with your date of birth and any other requested information that will make the process faster and more efficient.
Are you interested in taking a trip to Lanikai, located on Oahu? If you are, have you already made your travel arrangements, namely your overnight accommodation reservations? If these are arrangements that you have yet to make, you may want to take the time to examine all of your options.As you likely already know, Lanikai comes highly rated and recommended. It is known for its beauty, as well as its unlimited number of fun activities. In fact, did you know that Lanikai Beach is known as being one of Hawaiis best beaches? Vacationing in Lanikai alone is enough to give you the vacation of your dreams, but did you know that you can get more? If you are looking to have a picture perfect vacation, you will want to closely choose your overnight accommodations. A poor choice can, literally, turn the vacation of your dreams into a nightmare.The most popular option for vacationers looking to stay in Lanikai is that of vacation homes. There are a large number of vacation homes available for rent in and around the Lanikai area. Although Lanikai vacation homes do come in a number of different formats, you will find that they are typically three or more bedrooms. This is what makes "Lanikai vacation homes" ideal for family vacations or group trips. With that in mind, it is also important to mention that Lanikai vacation homes are ideal for all travel types.When examining vacation homes, there are a number of important factors that you will want to take into consideration. For starters, you will want to decide if you want to have an ocean view, as well as how much of a view you want. Many Lanikai vacation homes offer full or partial ocean views. It is also important that you examine all vacation home features. For instance, many, but not all, Lanikai vacation homes come equipped with heated pools, cable television, high-speed internet access, washers and dryers, dishwashers, and so forth.Another one of your options, when looking to stay in Lanikai, is renting a Lanikai vacation cottage. Lanikai vacation cottages are similar to Lanikai vacation homes; however, they tend to be a little bit smaller in size. It is common for Lanikai vacation cottages to have one or two bedrooms. These vacation rentals are still standalone buildings though. This means that you have still have privacy and comfort, but without paying for a huge rental. Vacation cottage rentals are ideal for all trips, but they are perfect for those on romantic getaways or honeymoons. As with vacation home rentals, it is important that you thoroughly examine all rental features.If you are planning to travel to Lanikai alone or if you will be traveling with your romantic partner, you may also want to examine Lanikai vacation apartments. "Lanikai vacation apartments" are rental apartments that are designed for tourists, as apposed to residents. Although it is possible to find Lanikai vacation apartments with multiple bedrooms, you will find that most are typically one bedroom apartments or even studio apartments. Depending on the apartment complex or building in question, you may gain access to a community laundry room, hot tub, or swimming pool. Many find vacation apartments cheap alternatives to rental homes and cottages.In addition to vacation home rentals, vacation cottages, and vacation apartment rentals, you may also enjoy staying at a Lanikai condo. Lanikai condos do exist, but they can sometimes be difficult to come by and reservations typically go quickly. "Lanikai condos" are nice, as they enable you to have a certain level of privacy. Although a number of other vacationers will still be staying at the same complex, you might not even notice them.The above mentioned Lanikai vacation rentals are just a few of the many that you have to choose from, when looking to vacation at this popular Hawaiian destination. As a reminder, be sure to examine all rental features, as well as pictures. They can help you decide if the vacation rental in question the right one for you.
Airline miles frequent flyer programs were initiated in America in 1981 by American Airlines as a loyalty process to encourage people to use one particular airline for all their travel. It has grown and changed since then and is used by most airline companies today. It has come to a point where some airlines say that if they removed these airline miles programs ticket prices could be reduced by 10-15% as they have become very expensiveto administer.These airline programs were initially set up to attract the business and first class users which were mainly individual company employees, not the corporations themselves. These users could accumilate points by using the airline and associated businesses ie. Accommodation and car rentals. At designated levels these points could then be used to upgrade seats or transferred to family members or friends for free tickets but could not be sold. These so-called "free" awards area attractive, addictive and, for all practical purposes tax free.What is basically a bribe by the airlines these incentive airline miles frequent flyer programs are now costing the airlines approximately 6.3 billion dollars a year and now have become a major headache for airlines companies. When you think it through it's actually costing the end user in higher fares.These airline frequent flyer programs have become so addictive to some users that they will take longer trips or, even purchasing the ticket just to get the boarding pass and not taking the trip at all, just to build up points.The problem has become so wide spread that airlines have to monitor companies that have been setup to convert these airline miles frequent flyer points into other commodities. Also they also monitor online auction sites where users have become quite clever in converting these points into cash.It Will Never Too Early To Book That Free FlightThere is a fair chance if you try to use your airline frequent flyer points to fly to a popular destination for next week you may hear a fair amount of giggling over the line. These types of tickets are treated exactly the same way as heavily discounted airfares as they are not given a very high priority. On the other hand if you want to go to a place that is not heavily travelled you may have a good chance of using your airline miles points.Also major airlines limit the number of seats that are allocated to airline miles points so it will pay to give plenty of lead time if you want to use your free airline miles points. But not all is not lost!One of the best ways to get around this problem is to get a generic frequent flyer credit card. These cards, and there a number to choose from, allow you to earn airline miles points that can be redeemed on any of the major airlines. The reason that these cards work is that the airline does not realise that they are giving away a free seat. When you go to the travel agent to redeem your free seat the agency will actually buy a discounted fare with your airline miles points (so a real ticket is bought with real money).Another up side for these type of generic cards is that you can also rack up the bonus airline miles points by for things like hotel stays, restaurants and car rentals etc. So shop around and get a card that works for you. This will depend where you live, how often you fly, where you want fly to. Even if you don't fly all that frequent you can still build the airline miles points for lots of other purchases.One thing to watch for is the fees, try and get a generic card that has no fees attached to it.Make A Little Effort To make Sure That Your Airline Miles Points Don't Go Down The Gurgler!!In their effort to make airline miles point more affordable airlines are setting shorter and shorter expiration dates so the people who do not use their airline miles points or keep track of them will find they will disappear into the never-never. Airline have figured that the less airline miles points to redeem makes the financial statements look much better.But you don't have to do much to keep those airline miles points alive. One way is go to the airline web sites and check on the totals of your airline miles points and expiry dates or your could use a service like www.mileagemanager.com who will monitor all your points and consolidate them into one statement and even send out email alerts.Another way, if you have to fly, is to book on the airline where the points are to expire and the expiry date will be upgraded. This can also be achieved by making other purchases with the associated companies to the credit card and this will reset the expiry date. You can also shop through online portals that are linked to the airline's site.Also since airline miles points redemption provides an instant reactivation of airline miles points the purchase of magazines that cost fewer than 1,000 miles or the donation of some airline miles points to a charity will do the trick as well.So In SummaryIf you want to use airline miles points for free flights play the game properly, watch the airlines for a change of rules, and keep tabs of your points and reap the benefits of free airline miles
Years ago when someone talked about going on a cruise they were in one of two categories - the very rich or the poor. The limited number of rich passengers would be staying in lavish, resort accommodations on the top levels of the ship, while the rest of those who wanted to secure cruise travel would be stuffed like rats in steerage. In recent decades cruising has become more and more affordable, and luckily those on almost any budget can take this style of tour today.If a budget is very important to you when you are securing your cruise accommodation, you will need to think ahead, know exactly how much you have to spend on your trip, as well as souvenirs you may want to buy, and plan ahead to make sure you get the best return on your money.When you are initially looking at cruise prices, don't go right to the top of your budget when picking which travel package. In general spending your vacation with a cruise tour is a good way to conserve your money. Keep in mind you are getting accommodations, meals, entertainment and the ship's facilities for one set price. But, often there are a number of 'extra' charges that are going to be added on to that low price you are seeing, so you need a little wiggle room in your budget. Remember while your cost includes resort living, and meals, it does not include things like snacks you may want in between meals. Also, alcoholic drinks and sodas are usually not included. And, you will have to pay extra for any special tours that you want to take while at your various destinations.Other fees that you will need to budget for are those that are added by the government from the country you left and those you will visit along the way. There may be port charges and taxes that will be added to your total. Sometimes these fees sneak up in your total as you are finalizing the payment for your trip.While you may say you always have a couple of extra bucks on hand, these fees are a bit more than that and it's possible that in some cases your port charges, taxes and government fees could be $100 or more a person.In addition, not everyone lives right beside a port where cruise ships are based. If you will have to get to a port city, you must take into account your travel expenses to that city. If you are flying, make sure to do the math to know what the cost of the flight is as well as any transportation costs to get you from the airport to your cruise ship terminal. If the base port is close enough that you can drive there from your home, remember you are going to likely have to pay to leave your car in a parking lot at the cruise terminal, so take those costs into account as you prepare your trip budget.
When traveling these days accommodation is not just a place to sleep for the night. There are many types to choose from and South Africa offers a vast range of accommodation options. One of the most unique places to spend a night is at a game lodge which can be anything from a basic rondawel (round building with thatch roof) to a superbly appointed luxury suite. A game lodge is generally situated in a wildlife reserve or national park with close proximity to game viewing. With a little homework you can enjoy exceptional value for money in some of South Africas prime game reserves and national parks. Visit Sabi Sand Game Reserve that borders the famous Kruger National Park. This Big 5 game reserve offers some of the best game viewing available anywhere on the continent and is associated with very expenses luxury lodges. With a little research youll find gems like Elephant Plains Game Lodge and Nottens Bush Camp, both offering great family offers as well as privacy and luxury at affordable rates. Another amazing experience is found in a KwaZulu Natal game reserve called Phinda. It is one of the most fascinating regions in South Africa combining 7 distinctly different habitats that shelters an abundance of wildlife including Africas Big 5 (lion, leopard, elephant, rhino, buffalo). The reserve has some of the most exclusive accommodation options, but it also offers an affordable experience not to be missed a walking safari where you stay in spacious safari tents with ensuite bathrooms (flush w.c. & hot water!). It is one of the best ways to experience Africa and doesnt break the bank. Ever stayed on a farm where the cows get milked in the morning and the rooster wakes you up to the smell of freshly baked bread and fresh coffee? South Africa offers exceptional accommodation known as farm stays where you enjoy life on a working farm. It is a great option as part of a road trip or a family holiday. The kids love the outdoors and enjoy the farm lifestyle, be it only for a day or two. It is an affordable way to see South Africa and to experience some local culture and cuisine. These farm stays are found all over South Africa from the Drakensberg Mountains to the Great Karoo as well as the popular Garden Route and Winelands of the Western Cape. Beach accommodation offers anything from relaxed and comfortable to luxury and exclusivity the choice is yours. A good place to find accommodation close to the beach is renting a beach cottage. South Africas coastline offers incredible diversity from remote villages to popular seaside town and city beaches. It is advised to book way in advance as these beach cottages fill up fast especially over the holiday seasons of April & December/January.The old faithful B&B (bed & breakfast) accommodation is still an all time favorite with more and more business travelers making use of this versatile and affordable option. Its high levels of customer service makes bed and breakfasts an excellent choice. More and more B&B owners cater for the sophisticated traveler that needs a reliable, affordable accommodation option. A new trend in the B&B circles is a boutique feel with hip decorations and modern furnishings. This trend is blending studio living, boutique hotels and the B&B lifestyle to offer great options for both casual and business travelers. Nowadays accommodation is more than just a bed and a place to have a meal. Its about what you feel like and how much you want to pay to experience it. The choice is there, just do a little homework and youll find exactly what youre looking for.