Business Trip Travel Insurance

If you are planning a business trip, you may be under the impression that if anything was to happen to you while you were away that your employer will cover it. However, the chances are, your employer will be under the assumption you have arranged your own travel insurance, therefore responsibility, as far as your employer is concerned, would lie with you.

Whether you are self employed, or an employee, or an employer, looking to take a trip to improve relations or get a better deal from a supplier, o meet that all important new client, but having business trip travel insurance in place you can be sure that all you need to worry about is the ask at hand, and not anything related to your trip.

Having the insurance is not just sound financially, but, in the event of an emergency, can also help your business make the most of an unfortunate situation, as well as ensure that you business meeting is not too effected by any mishaps that may happen. Your cover could include a replacement colleague clause, so that if you or your employee is sick during their business trip, your insurance will cover most if not all of the costs in replacing that colleague with another member of staff.

Time and time again we hear that our own government officials have left extremely sensitive and important information, appear and digital based, in places they shouldn’t have been left. It happens, and when it does, it can cause a real problem within your business. No matter how comprehensive your insurance is, no amount of money can bring that data back, so be sure you have back up copies of all important documents relating to your business. However, your business trip insurance can cover the cost of a replacement laptop, which at least softens the bow a little when you have o tell your employer the bad news.

No matter what you encounter during your business trip, by taking out the appropriate insurance you can be sure that no matter what unexpected events occur, your business will not be affected. Business trips are a necessary burden to most people, and the burden should not be made any bigger by needing insurance, and not having it.

If your business trip is not all work related, and you plan to have a little fun while you’re away, some providers will be able to offer cover equivalent to a holiday single trip, which will be an extra benefit of your business trip insurance.

Make sure you check with your insurer to find out exactly what your policy covers.

Important Astral Travel Information – Just the Facts

Have you ever awakened from a dream wondering if it was, in fact, a dream? Or, have you ever had the feeling that you had been to a place you’ve never been before? Do you, sometimes, know what is going to happen before it actually happens? Many people have experienced these strange occurrences. It is possible that events such as these might be attributed to astral travel.

Astral travel, or astral projection, occurs when an individual’s astral, or supersensible, body leaves their physical body. During this experience, the individual’s consciousness, or soul, is transferred into an astral body, which travels in the astral plane (alternate dimension). Astral projection is commonly referred to as an “out of body experience” (OBE or OOBE).

The concept of astral travel has existed since ancient times. Elitists and spiritual leaders of ancient societies in Egypt, China, India, and Japan practiced astral projection and travel. Over time the secrets of this mysterious ability were revealed to lower members of the hierarchy and, eventually, to the commoners. There are many historical scripts and documents referencing astral travel. Many experts cite a number of Bible passages as being evidential of astral occurrences. Ancient art and hieroglyphics depict astral events, as well.

Each astral experience is unique. Some people tell of sitting, standing, or floating in the same room as their physical body. Often, travelers are able to fly. While active the astral, supersensible, or subtle, body is capable of traveling great distances from the physical body. Some, not all, reports include the existence of a silver, thread-like, cord which is attached to the physical body.

Practitioners state that the astral traveler is safe from harm and, in fact, has many amazing capabilities in addition to flying. The subtle body can pass through walls. An astral traveler can stand in the middle of a busy intersection while cars and buses pass through his or her body. Also, handicapped individuals do not retain their disabilities during their out of body experiences.

There are several different “schools of thought” concerning astral happenings. Experts in this field have diverse opinions on the concept and varying methods for induction. Concept variations include mystical and phasing models, real time and virtual projection, etheric, mental, and astral projection, numerous subtle bodies, and other differences. Induction methods differ according to concept. Some techniques involve meditation, drugs, sleeping/dreaming, or audio/video recordings.

According to experts, anyone can experience astral travel. Every person has the ability. However, many projections are impeded or prevented due to an inability to attain the appropriate level of relaxation and an apt state of mind. Due to preconceived notions and closed minded teachings, most people do not realize their potential astral abilities.

Today, there is a wealth of information about astral projection and travel available online. While browsing this site you will find a lot of expert advice, helpful tips, and personal accounts regarding astral travel. You can learn everything you need to know to begin enjoying your own, unique, astral journeys.

Annual Multi Trip Travel Insurance

Multi Trip Travel Insurance is also known as Annual Travel Insurance.

With an annual multi trip you can take unlimited trips in a 12 month period. It is ideal for anyone who takes more than 3 trips a year, especially for anyone with a family because most multi trip insurance allows for up to 4 children for free.

Benefits and advantages of multi trip insurance:

  • Take unlimited trips annually. (depending on the insurer, each trip duration limit can range from 30 days to up to 60 days).
  • Children are insured for free, usually up to 4 children under the age of 18. Please note that children are covered only if they travel with one of the insured adults.
  • Some of the insurers throw in a Free Ski Insurance ranging from 7 days – 21 days annually.
  • Few Annual covers provides domestic travel insurance. This usually has a minimum distance and will require a hotel stay as well. The domestic travel insurance cover makes the Multi Trip Insurance even more compelling economically.
  • It works out cheaper if you take 3 or more trips a year, especially if you add up all your business and holiday travel cover.
  • Multi Trip Insurance cover is ideal for contract workers who have to travel a few weeks at a time on project related work.

Why You Need Travel Insurance

We are most vulnerable when we travel and Trip Insurance is the only way to protect yourself for monitory loss incurred due to circumstances beyond your control. These eventualities can occur at any time before or during travel and its essential to have protection against them. Here are some examples of why you need travel insurance:

  • You meet with an accident on the way to the airport and subsequently miss the flight to your non-refundable holiday.
  • You or your family member falls ill a few days before the holiday, forcing you to cancel your trip.
  • Your baggage is lost or delayed by the airline and you are forced to buy the essentials. In the event it’s lost, the airlines pay very little as compensation, so you need insurance.
  • You or your family members meet with an accident or fall ill and require medical attention or surgery whilst on holiday. This can prove to be very expensive depending on which country you are in, especially if it requires medical evacuation.
  • You accidentally damage someone else’s property or person and require legal representation and or have to pay 3rd party damages.
  • Travel insurance for activity holidays like skiing, etc., where there is a greater change of injury, damage and loss.
  • In case your expensive equipment or possessions like jewelry, camera, ski equip, etc., is damaged, stolen or lost.
  • You are forced to evacuate because of a natural calamity and lose your possessions in the bargain. Some situations require emergency evacuation as well.
  • You and or your family members get food poisoning and needs hospitalization.
  • You need someone to fly out to you in the event you are hospitalised.