Is Annual Travel Insurance Right for You?

Both travel and travel-related services have come a long way in the last decade. Actual travel costs, which used to be very prohibitive, have become considerably lower, which means that more people can afford to travel to their dream destinations. In addition, travel facilities and travel-related services have also considerably improved.

Documentation processes have become more efficient – including passport and visa requirements and processing, reservations and ticketing. Travel-related business such as those dealing with accommodation, dining, tours, and the like, have become more integrated and full-service. Even the travel industry, which once was limited to offering single-trip accident and life cover, has developed into a full-service industry that offers various policies to cover practically every risk a traveller might face during a trip – whether overseas or domestic. Today, a good policy covers death, personal accident, medical expenses, emergency repatriation, loss or delay of checked baggage, loss of passport, and other third-party liabilities. Types of cover now include single-trip or multi-trip, and single, group, or family policies, among others. But perhaps the most comprehensive is annual travel insurance.

For many people, a yearly policy is the best option when it comes to being properly covered. It provides comprehensive, personalised coverage for various risks involved with travel for business or leisure, and, as the name suggests, it covers you for the entire year, no matter how many journeys you take. Here are some questions to ask yourself if you are considering a yearly policy.

Do you travel more than once a year?

If you only take one year, a single-trip policy, which covers only one trip, may be adequately suited for your needs. However, you would be missing out on lots of great experiences by limiting yourself to one trip per year! Never before has travel been so accessible. Facilities and equipment are cutting-edge, travel-related costs are at an all-time low, and many travel companies and destinations have conglomerated to create travel adventures that in past years would have been near impossible or cost a fortune. This is the perfect time to travel, and with annual travel insurance you can take as many trips as you wish and be covered for an entire year.

Do you have the time (or patience) to run the same errand over and over?

Modern life, while wonderful in many ways, also places a lot of demands on a person’s time and energy. Travelling is a great stress-reliever, especially when you don’t have to deal with the sometimes-tedious travel-related tasks, such as those involving paperwork and documentation. Fortunately, your travel cover does not have to be one of these tasks. With annual travel insurance, one policy covers you over multiple trips for an entire year. One trip to your agent or online transaction is all you need.

Do you want to save money?

There is no question: a good policy saves you money by protecting you from various travel-related risks and potential losses, such as missed flights and reservations, lost baggage, emergency repatriation, and countless other scenarios. With a yearly policy you’ll also get the added savings of paying a discounted, flat, one-time rate rather than paying multiple times for multiple trips over the course of the year.

Do you want peace of mind?

A hundred things can go wrong before and during a trip-it’s why every journey is an adventure. However, proper cover can relieve you of a lot of worry and protect you from myriad travel-related risks. And with annual travel insurance, you are protected for an entire year!

Patrick Chong is the Managing Director of Insuremore. We provide low cost cover and offer a range of policies including annual travel insurance, single-trip, multi-trip and family. For all your needs, Insuremore can help you in the quickest and most cost-efficient way.

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Why Senior Citizen Travel Insurance Is Important

With frequency of both domestic and overseas travel increasing nowadays, one cannot deny the importance of having an extensive travel insurance plan. As you age, medical issues not known before, crop up surreptitiously. Even an accurately healthy individual may suddenly face an emergency. This may cause massive trouble during travel especially in a foreign land. No wonder travel plans for the elderly are critical under any circumstance. After all, you belong to a group, which is more prone to medical issues, and thus require a better financial backing than your younger counterparts. And that is the very reason why senior citizen travel insurance is so important.

Worry Free Travel

With a travel plan to take care of various issues that may crop up, the elderly may enjoy a worry free journey from start to finish. See new places, meet exciting people, and fill your leisure movements with thrilling activities suitable for your age. Amidst all this, let your insurance plan take care of the unforeseen!

Resolving Emergencies

Senior Citizen Travel Insurance is meant to take care of emergencies and resolve them successfully whether they are related to your health or other aspects. If you lose or misplace luggage, simply contact the insurer to get an emergency replacement or reimbursement until the original arrives. In case of missed or delayed flights you may get your ticket expenses back in no time. When emergency evacuation is needed, due to health issues or local situations, you can count on your insurance company for resolving the travel expenses.

Better Prices

For healthy individuals, premiums related to insurance cover are quite cost-effective. Even in cases where pre-existing ailments remain, better rates are available compared to your younger counterparts. A number of companies are offering discounts to elderly people these days for attracting the attention and getting them to opt for different plans. You can compare travel insurance and come across best prices while enjoying the associated benefits during your domestic or overseas trip.

Support for Partner

By opting for appropriate overseas travel insurance cover, you are bringing complete peace of mind to your partner in travel. When the elderly couple are travelling together, accidents and emergencies for one signify unending worries for the other. By opting for a sound plan, you can spare your travel companion the heartache. In case of emergencies, you can rely on the insurer to take care of your well-being. God forbid, if the death of policyholder occurs in a foreign land, the insurance company ensures that the last remains are flown back home safely. This causes minimal worries to the spouse in his/her moment of grief! So before you set off on your dream trip, compare travel insurance and opt for a plan that best suits your needs.

Peace of Mind

In a broad sense senior citizen plans are all about peace of mind. Why worry when simply having a good travel plan can take care of both existing as well as emerging issues successfully.

Once you retire and have inexhaustible time in your hands, do not miss a single good opportunity to travel. However, make sure that you are leaving nothing to chance. Fortify your health and luggage with a comprehensive overseas travel insurance cover instead!!

Gaurav Kumar Srivastava is a financial adviser who loves to share his key ideas to compare senior citizen travel insurance plans online. For more information about travel insurance, visit

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Tips To Choose The Right Overseas Travel Insurance

If you are regularly travelling overseas for business or professional commitments – being covered by an overseas health insurance plan will certainly help you in unfortunate times. You can never completely rule out a medical emergency while travelling abroad, as an emergency is truly unpredictable and can strike you down any moment during your travel. Additionally, a number of untoward incidents like the loss of luggage or documents or flight cancellation can put you in a troublesome situation. A suitable overseas travel insurance plan will come to your rescue, every time you lose your baggage, or fall ill. So, put an end to your haunting concerns by purchasing an all-encompassing travel cover plan, from a reliable insurance company.

Compare Before Buying:

It is really important that you compare different travel insurance policies first, rather than just buying a policy blindfolded. There are plans that include no sub-limits till a certain age and you can also get insurance for pre-existing conditions. If you plan to indulge in an adventure sport during your travel make sure that any physical damage caused during your activity is also covered by your travel care policy. Normally policy holders are required to pay a nominal amount of additional premium to avail that extra coverage. Presently a wide variety of travel cover policies are available. Thus, if you are a student, a corporate executive or simply a leisure traveler, there is always a tailor-made insurance plan accessible to you, provided you do your research well to gain optimal benefits.

Online Option:

Numerous regular travelers now prefer to buy overseas travel insurance online today, as it leverages them the opportunity to compare all types of travel plans offered both by domestic and multinational insurance companies, and obtain the one that will best serve their requirements. Most travel plans, especially those designed for overseas travelling offer maximum coverage duration of 365 days, and this is applicable for any policy holder up to the age of 60 years. A proper travel insurance plan can always take a lot of stress out from your travel itinerary irrespective of the country you are visiting. You need to compare travel insurance policies to make sure that the policy you go for have the basic coverage that also include personal liability and personal accident, hospitalization and other medical expenses, flight delay and cancellation, loss of luggage and important documents like passports and visas among others.

One of the most significant advantages of buying overseas travel insurance online is that it involves little paperwork. As a willing customer, you are only required to provide insurance companies with necessary details to get a free quote from them. You can also compare plans along with their coverage and benefits and by the policy you finally select using your debit or credit card right from your home or office and also in your most convenient time.

So, when you are traveling abroad next time, you know where to look for your unique travel insurance plan, don’t you?

Gaurav Kumar Srivastava is a financial adviser who loves to share his key ideas to choose a beforeufly international trip insurance plan online when you are planning for abroad trip.

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Exclusive Benefits of an Online Travel Business Franchise Offering All Inclusive Travel Deals

Travel franchises are a thing of the present business industry. People are becoming interested with the type of franchise that specializes in offering travel arrangements to a wide array of clients. Not only is the travel franchise industry considerably convenient to operate, it also has a lot to offer the aspiring entrepreneurs in terms of progress and learning.

In today’s age of advanced digital technology, the travel franchise has even become better. If you buy a franchise you can already offer a 5 star travel, all inclusive travel deals enclosed in a package, to your clients. But if you buy an online franchise, the travel services you get to offer will be accompanied with the promise of ease and convenience as well as affordability. As the entrepreneur, though, you need not to worry because you can enjoy all exclusive benefits of buying your own online travel business franchise.

On top of these exclusive benefits is the complete support and training package that the franchise offers. When you buy your own franchise, you do not have to be apprehensive about the way you will run it. Travel franchises come with a comprehensive set of training modules and supporting systems.

These include top-of-the-line reservation facilities, interconnected system with the use of the Internet, and mentoring sessions with the experts. You can use these support and training materials to make sure that you offer the best services to your customers. If you will be able to make your business run in full working mode, your clients will trust you more with their travel needs. Consequently, your clients will not only think highly of your franchise-they will also be sure to recommend you to their immediate network. This would entail having more clients and therefore better earning opportunities for your business.

Another exclusive benefit you can get from buying your own online travel franchise is that you get to operate it at home. True, there are a lot of franchises that you can run at home. But often, they also require you to get out of the house for operational requirements and tasks. There are businesses that you can only run if you keep in close contact with your suppliers, which may require out-of-home meetings. Also, you may be advised to hold offline marketing events just to get in touch with your clients.

With travel businesses, you are given complete and integrated systems that would eliminate the need to go out for travel arrangements that you set up for your customers. The reservations and bookings may be done online already, so third-party services are easy to reach. You can also continue communicating with your clients through phone and email, which both reduces the need for personal meetings. Even documentary arrangements may be done as well through online methods. This is the kind of benefit that will be appreciated mostly by stay-at-home parents and part-time workers.

Finally, a benefit that is exclusive for owners of online travel franchises is the reduced travel fees you can incur. There are a lot of franchises that allow its franchisees to arrange for a 5 star travel, all inclusive travel deals, for a really affordable price range. The arrangements are also at a discounted rate because the travel services that you need would possibly be coming from your partners. The people who work for you can enjoy as much of these benefits as part of their training for the business. You can even travel with your family so they can also enjoy the benefits of your business.

There are indeed so many benefits of owning a travel franchise. Aside from its sure-fire success because of a proven operating system, you would also benefit from the great deal of learning you will be provided once you join the network. But you always have to make sure that you will be gaining more than what you will lose from getting engaged in an online travel business. Keep fighting to keep your business afloat, regardless of the economic times, so that you will be able to reap the rewards of your effort. At the end of the day, having a franchise business that offers a 5 star travel, all inclusive travel deals, may be just worth all the hard work and investment you will be putting in.

Finally, a business you can manage even at home where you can get real money and real results. Discover the breakthrough work from home opportunity that builds income without any special skills, knowledge, or know-how, whatsoever. Discover how a professor and chairman of the board of directors of USV-JSC made his way to online business success by watching the FREE VIDEO when you click the link above. FREE: DOWNLOAD FREE REPORT ON HOW TO START YOUR OWN ONLINE BUSINESS TRAVEL. TODAY.

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Hiring the Right Luxury Travel Agency

In modern society, the importance of travel has been steadily rising, seeing as it is paramount for communities to join hands and many businesses to take off. No wonder then, that the worldwide travel industry is valued at over a trillion dollars and its growth is poised to surpass the actual global economy growth rate.

In such a huge industry, there are millions of travel agencies, big and small, generic and niche. In times where time is short, these are people that are able to help make your travel plans concrete. However, the luxury traveler, in particular, is generally better off finding some expert travel advice from a luxury travel specialist agency. As a general thumb of rule, the more complex, expensive and luxurious your travel needs are, the more you would benefit from the services of a good travel agency. The advantages are numerous: professionally and fully customized, planned itineraries, hassle free transport and accommodation, good recommendations for local guided tours, great upgrade facilities, and even priority access in specific areas such as high end restaurants or your favorite theatre show.

Selecting the right luxury travel agency can be a daunting task, since you are practically dependent on them for ensuring that you and your family are able to enjoy that luxurious cruise you’ve been planning for ages. Here are a few pointers that can help:

    • Look at the agency’s credentials: Because of the sheer size of the travel industry, there are a lot of players that barely qualify as tour operators, let alone experts. In the luxury travel segment, qualifications do help in terms of at least establishing that the person/s you are entrusting your holiday arrangements to, is likely to put in some channelized effort to guide you properly.
    • Ask about professional associations and memberships: The idea is to ensure that your travel partner has proper industry recognition by means of affiliation with likeminded professional bodies, such as ASTA, for instance, which seeks to protect consumer rights and sets a proper code of ethics.
    • Specialists are recommended: Rather than going to an agency that offers a large range of travel services, it is best to choose an agency that specializes in luxury travel. These are often the ones with the maximum clout in various offshore locations in important areas. This could include the best local tourist guides, preferred bookings in the best accommodation, useful contacts, special privileges and so on.
    • Be particular about accessibility: A great travel agent is always accessible, period. Imagine being stranded on an exotic island where your hotel reservations are not made and you are unable to reach your agent. The most trusted travel agent is often the one who has been there for you in seemingly the most tedious of travel situations, and has emerged with real solutions.
  • Draw up relevant documentation: When you are taking your family on a world tour, you’d benefit from a proper agreement laying out terms and conditions, as opposed to only verbal promises.

So go ahead, find the perfect travel agency and embark on that long-awaited luxury cruise!

Author is associated with Bespoke Tours, a luxury travel agency in India offering services to its customers across the globe. Bespoke Tours traces its lineage to the multi-billion dollar Apollo Tyres Group and is staffed by a team of highly committed travel professionals.

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.