Top 3 Reasons You Need Single Trip Travel Insurance

Many people forego the purchase of even a single trip travel insurance protection in the mistaken belief that such coverage is an unnecessary luxury. While many people could perhaps get away without having such coverage (but it is certainly ill-advised to do so), there are three critical conditions that it a “must-buy”.

Poor Health

The worst thing someone in poor health condition can do is embark on a physically taxing (and sometimes emotionally draining) journey abroad without getting at least a single trip travel insurance policy. Proper cover can protect you in terms of shouldering the cost of emergency medical procedures, should the need arise. What happens if you go to the emergency room in a foreign country and you don’t have enough money with you? Going abroad without sufficient coverage is extremely foolish-if even normal situations at home tend to trigger your asthma attacks, for instance, consider what awaits in a place you are unfamiliar with. Moreover, if you have a condition like vertigo, any sudden attack can endanger you and other people on the road (should you be driving a rental car). While an insurance policy does not make your health improve, it can certainly protect you from having to outlay a huge amount in an emergency medical situation.

Travelling to Dangerous Places

Here’s a true story: a couple travelling to Peru-a country whose government barely holds it together on the best of days-decides to get a single trip travel insurance policy. It was a precarious time when the dreaded swine flu was at the centre of every health advisory, but the couple chose to get insurance against the possibility of cancellation ‘for any reason’. As it turned out, their much-awaited trip would not be botched by swine flu, but by civil unrest; getting the cover they did significantly helped them swallow the frustration at their loss-at least, it was not as financially painful as it would have been if they didn’t have the extra cover. The point is if you’re travelling to other countries, especially those under certain risk advisories issued by your embassy, it pays to consider these risk factors when purchasing your policy.

Limits in Pre-existing Coverage

You may already have pre-existing single trip travel insurance coverage from your health insurance provider (some companies also includes travel cover even if your main policy is, say, health or home insurance), and you’re probably thinking, “why get another policy, right?” Wrong. Check the terms of your existing coverage carefully and you just might discover how limited the terms are. You have to be utterly frank about your needs and compare these to the things covered by your existing policies. If it is limited, it’s probably as bad as having no cover at all.

Galapagos Islands and The Exumas Travel Information

Galapagos Islands, The Experience:

Only 13 main islands, out of which 5 are inhibited, form the Galapagos Archipelago situated 1000 km from the Ecuadorian mainland. The world’s top all around dive site, the top spot for best fish life, best big animal dive, best advanced diving awaits tourists who wish to pay a visit to the healthiest marine environment. Penguins swimming in the equatorial sea, iguanas eating algae meals in the saltwater, dolphins leaping in phosphorescent water are among the rare treats you can find only in Galapagos. You can expect to see amazing creatures crawling, flying or just lying off the shore line.

Adventure travel in Galapagos involves kayaking, mountain biking, riding horses or snorkeling next to the world’s most fearless wildlife. You can travel between the islands in small private planes or speedboats and enjoy spectacular wildlife encounters. Tower Island is one of the most spectacular of the islands where you can wind your way through a mangrove forest. Octopus, starfish and other sea life can be seen caught in tide pools on Santiago Island. Isabela Island offers spectacular views of lava files, a salt-water lagoon, volcanic formations and the ocean.

Bartolome island is the youngest and inhospitable for most plants and animals. Discover a moon like scenery with lava bombs, spatter cones and cinder cones while you hike through ancient lava fields, encountering prehistoric reptiles. You can explore Darwin’s laboratory, the Garden of Eden of evolution, while traveling with a luxury dive vessel.

When to go

The pleasant weather year round means there is not best time to visit Galapagos. During the hot season, the ocean temperature is warmer so you can enjoy swimming and snorkeling better.

How to get there

You can get to the islands from the main land by plane from Quito or Guayaquil airports. You can see most of the islands via a motor or sailing yacht. There is strict control on tourist access due to the effort made to protect the natural habitat and you must be accompanied by a certified tour guide.

The Exuma

The precious islands of The Exuma are a 120-mile island chain including 360 wonderful inhabited and uninhabited cays, the largest cay being the Great Exuma. This cluster of islands situated in the Bahamas enjoys tropical mild climate throughout the year and this accounts for the most gorgeous sapphire-colored water through which our vision can reach the inner depths of sand owing to its utmost clarity. The weather and water blend together in the finest way to popularize this island as amongst the best known sailing spots bundled with its rich unblemished beaches, offshore reefs and coves. The island hosts the Annual Georgetown Sailing Regatta and the Annual Family Island Regatta as the major yachting events every year. The beauty which lies in the inner depths of the islands and the incredible aquamarine waters attract a huge number of sailors, fishermen, divers, snorkelers and kayakers to this paradise and the city in every aspect is rightly called the Sailing Capital of the World.

The Ports: The Port of George Town is situated next to Elizabeth Harbor and is the main port of entry to the Exumas. The Tropic of Cancer runs through the place, hence, the climate is mixed with tropical and temperate effects, and thus becomes the unique spot famous for the yachting people.

The Marinas:

1) Emerald Bay: This marina offers a classy entry for yachts and provides extensive facilities like charters, boat dealerships and other major requirements.

2) Staniel Cay Yacht Club: This is a newly renovated and famous marina in Exumas known for its excellent full-services like electricity, water, ice and others.

The Sailing Companies:

1) Dive Exuma: This is a highly-equipped dive center with its general motto of providing the memorable diving experience keeping safety as its first priority and is the only one present on the Great Exuma.

2) Exuma Dive Center: This diving center is not merely a dive shop but provides unique opportunities to explore the clear waters and the shallow reefs allow the divers to watch the rich colorful fauna.

How to Get Cheap Single Trip Travel Insurance

So you are planning a trip away or have already done so and now you want to sort out the travel insurance. People often neglect to spend any time on choosing their holiday, why should they a holiday is meant to be fun, a week or two to not worry about every day life.

Many people will first find out about getting cover for their holiday when they book up at the travel agents. Not knowing or not wanting to know insurance just seems like another necessary expense that you wish you could do without.

We all need to make sure you have the proper cover if you are travelling abroad. Whilst this is something you do not like to think about you can never know what will happen whilst you are away. Your flight may be cancelled, your luggage lost or stolen or worse you become ill or have an accident during your holiday.

So now we know what can happen how can you get cheap single trip travel insurance but without having to skimp on cover. There are several different types of policy you can get and each one will cover different aspects of your holiday cover, much like getting fully comp car insurance or third party fire and theft.

A single trip policy will be your cheapest option of you are only planning to take one trip abroad this year. If however you are planning on taking more trips it may be worth considering an annual multi trip policy as you would usually save money over the cost of buying separate single policies.

One thing to remember when choosing any policy is not to sacrifice cover for cost. Many policies will just be cheaper because they do not cover everything. Make sure any particular cover encompasses what you actually need.

You can find the cheapest insurance by using an online travel insurance comparison site. This will list all policies that meet your specific requirements side by side. This makes it easier to compare and choose the holiday cover that provides the best cover for the lowest cost.

You should be aware of any excess, like all types of insurance there is generally some excess payments you will be liable for. This is the amount you will have to pay as the first part of any claim. The higher the amount you are willing to accept the lower the premium cost of the insurance policy.