Annual Travel Insurance Vs Single Trip Travel Insurance – Which is Better?

Traveling and taking holidays can be a lot of fun, but it can also be scary. If something goes wrong, you may find yourself in a foreign land amongst foreign people with no idea where to turn for help. Travel insurance prevents this from happening by helping you through all of the unforeseen circumstances that may befall you on a trip. Travel insurance can help cover expenses if you become ill or injured, lose your luggage, have a car accident or have to change your plans due to weather or illness.

There are two basic types of travel insurance: annual travel insurance and single trip travel insurance. Annual travel insurance is purchased annually and covers all of your travels for the entire year. Single trip travel insurance is purchased at the beginning of each trip and is only good for that trip.

There are benefits and drawbacks associated with each type of travel insurance. The following two sections will address the pros and cons of each.

Pros and Cons of Annual Travel Insurance

When you purchase annual travel insurance, you pay a one-time fee. This fee covers the cost of the insurance for the whole year. If you travel a lot, this price is almost always less than you would pay for multiple single-trip policies. But the price for annual travel insurance is also more than you would pay for one or two single-trip policies. So you need to have a clear idea of how often you will use the insurance before you spend the money for it.

Annual travel insurance is ideal for people who travel a lot. Business professionals, people with family living abroad, and families with holiday homes usually benefit the most from such a policy. Students who have to travel back and forth from school may also benefit from this type of policy.

Pros and Cons of Single Trip Travel Insurance

Single trip travel insurance is the most cost effective way to purchase travel insurance if you only have need of it a couple of times a year. It is spontaneous. You can purchase travel insurance prior to any trip even if it is spur of the moment. It is also inexpensive. Single trip travel insurance normally costs about four to seven percent of the entire cost of any prepaid trip.

If you make a lot of spontaneous trips, however, you could end up spending more than you bargained for if you purchase a separate policy each time you leave town.

Both annual and single trip travel insurances offer the same coverage. The only real discrepancy between them is cost. Therefore, you need to choose the most cost effective way to purchase the insurance that best meets your needs. If you have any doubts, talk to a travel agent. They will be able to help you compare prices and coverage options. The most important thing is that you always travel while insured. You need to be prepared for everything that may happen.

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.

Cheap Family Trip – Travel Insurance For the Unexpected

There can be no doubt that it has become even more important to plan a cheap family trip. Travel insurance is very much a part of traveling. When times are tight and every cent is being stretched to the limit in order to have a family vacation it is so tempting to simply ignore insurance.

However, the consequences of doing this could be so expensive in the end that it’s just not worth the extra bit of money you must pay for travel insurance.

A lot of people don’t want to think about what could go wrong. This is understandable if you are putting together something as exciting, fun and happy as a family vacation. To many people thinking about the negatives at such a time is a downer.

This is not the case. Those who are willing to acknowledge that the unexpected may happen are actually taking charge of their vacation and their lives in a very positive way. Nobody wants to think about their luggage going missing or an illness taking hold.

Apart from negative thoughts you may have taken quite a long time finding the right cheap family trip. Travel insurance may seem like a waste of money because you will probably never get anything back for it. The thing is, none of us can see into the future and it is better to be prepared for any unexpected event.

There is no way anyone can be assured of complete security. The only assurance you can be given is that if anything does go wrong awry you will be covered financially.

Your cheap family trip travel insurance should be part of your vacation budget right from the start of your plans. Not only should you think about cover for luggage and medical but also if you should need to change your flight plans.

This will protect you from having to pay a large penalty or having to buy another ticket from scratch. There are many reasons beyond your control for having to change your family’s flight plans.