It was inevitable wasn't it? The introduction of speed cameras on ski slopes.

Is it the thoughtlessness of a handful of daredevil speed demons that have messed up the fun for the rest of us? Or is this health and safety gone crazy again? Have we as a human race become so irresponsible that we need the Nanny State to protect us from ourselves even when we're out trying to spend our hard-earned cash on holiday and having a little fun?

Well, sadly the statistics are not good. With the high number of accidents, injuries and deaths at ski resorts throughout the world every year, it does seem that something has to be done. The number of skiing accidents has noticeably increased in Switzerland alone, with accidents in the tens of thousands last year, many of which were fatal or caused serious injuries. The number of helicopter rescues also increased - to the tune of hundreds in just one month.

So, the Swiss have had enough and are putting speed cameras on the slopes. Ski personnel will catch the speeders with hand-held radar gadgets. Those who are caught are given a warning first, and then could face a fine or confiscation of their ski pass. The cameras are in operation at Andermatt and will also be in operation at other major resorts like Davos, St. Moritz and Zermatt. Some may applaud Switzerland for taking a stand - but will this new trend catch on in ski resorts throughout the world?

In a perfect world, we'd all be at liberty to hurl ourselves down the slopes and not have to worry about anyone else. We'd never get hurt or killed or injure another innocent person. It is because we don't have this ability that anyone who sets off on a ski trip without taking out travel insurance and winter sports coverage should have their head tested. If you're not aware of the potential astronomical medical expenses associated with helicopter rescues, serious injuries and broken limbs (especially in North America) then it's time for a wake up call!

The beautifully groomed pistes may be partly to blame. It's hard to resist pointing the board or tips down the hill and just going for it. But on crowded slopes it just isn't smart. There's no question that skiing and snowboarding and other winter sport activities can be very dangerous. If you've ever had a run in with a tree, or another skier and survived it you will already know what a painful impact it can be.

Just as on the roads, we can't always blame the people driving at high speeds. It is possible they are totally competent and in control - even if they are breaking the law! The problem is often other people on the roads (or pistes). If you come up behind someone going slow on the road (or piste) and want to overtake them it is always potentially hazardous. You just can't know what the other person is going to do. You also don't know if another car is going to pull out of an unseen side road (or out of the trees), or a deer (or snow machine) will suddenly appear in front of you.

The drink driving laws have just about taken all the drunks off our roads, but on the slopes you are still likely to come across someone who's partaken of a bit too much Gluhwein during their lunch stop. No one stops them strapping on the skis or board and potentially endangering the lives of others. Then there are the novices skiing out of control on slopes beyond their abilities. Skiing in flat light can also be dangerous, no matter how experienced you are. You can't see all the bumps and dips in the terrain - or the icy spots - and if you hit them at great speed you may find yourself heading for a tree or another skier, and there's nothing you can do to stop that impact from happening. It could be expensive at best.

Tests using dummy people have been carried out (like the ones they do with cars). It was shown that speeds above 19 mph (30km/h) are unsafe. Speeds much above that figure are highly likely to cause fatalities if something goes wrong.

So will speed cameras on slopes be a trend that is likely to spread throughout the world at all ski resorts? For many it will take all the fun, excitement and thrill out of it. Will speedometers on skis be the next trend? How else can we monitor our speed or have any idea how fast we're going? Will there be speed limit signs posted at the sides of the ski runs that we have to obey, as on the roads?

Speed is not the only danger when out skiing. This ski season twenty-six people have been killed by avalanches in Europe in less than one month! The average annual number of people killed in avalanches in the U.S. is around twenty-five, but often much higher. Other weather-related hazards cannot be ignored, such as blizzards and sudden changes in the weather and conditions.

Who would have thought we'd see the day they put speed cameras on ski slopes. What's next? Ski insurance and winter sports coverage is not mandatory, but perhaps it should be...

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For some people, going on holiday is something that they work toward all year, and if this is you then you will want to be sure that you are appropriately covered through travellers insurance. This way you can simply pack up and go on your trip without having to worry about whether or not you will be covered in the event of a problem or an emergency. This kind of continuous travellers insurance is often referred to as backpackers insurance and it is something that you will want to check out if you are the type of person who likes to simply pick up and go out on holiday at a moment's notice.

You can easily check with a number of different insurance companies to see what it is that they offer and how they can assist you in your holiday planning needs. You will want to double check everything because it is extremely important that you get the insurance that will work to fill your needs. Since insurance is something that is supposed to be designed to fit your individual needs then you will want to be sure to go over all of the options to make sure that you are completely covered no matter what type of holiday you like to enjoy.

With travel insurance you can backpack your way across the country knowing that you have access to coverage that will help to protect you should you encounter any problems. It is this peace of mind that will allow you to fully enjoy your holiday without the stress and worries of potentially dangerous situations. For example, if you are someone who likes to go to different areas of the world and engage in sporting events, then you can get a tailored insurance policy that will work to cover you in these situations. Because of the availability of so many different policy options, you can easily traverse through your holiday knowing that you are covered.

While it is possible for you to get individual trip insurance for each trip that you take, if you plan on going on more than one or two holiday trips a year, then it is probably best that you consider taking out a year round policy. This way you do not have to worry about enacting your insurance before each trip, and often if you get an extended policy the company will offer you a price break and it could be cheaper than buying individual policies each time that you decide to travel. Not to mention the fact that many of the travel insurance companies offer constant contact with representatives, so no matter what time it is or what country you're in, you can get assistance when you need it.

If you are someone who enjoys travelling and going on multiple holidays each year, then you will most certainly want to consider getting travel insurance of some kind. This way you can make sure that everything from your personal objects to your travel plans and your health issues are all adequately covered.

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For the average family holiday encompassing a trip to a European country, or similar,
Preparation is not too tricky but is still essential. For those travelling further a field, there may be much more to consider.

Picture if you will, a holiday to a popular British tourist destination such as Lanzarote (one of the Canary Islands). In most resorts on this island, you should find everything you need is close at hand as they are very tourist orientated. Preparation for this holiday should not be too difficult, although there are still several items that should be regarded as essential.

First of all and most important; make sure you have a European health card (replaces E111 form), which can be applied for through your local post office. This will ensure that if you were to have an accident the initial emergency treatment will be covered (in most countries). To add to this you should seek a fully comprehensive travel insurance policy. This will cover you for eventualities such as theft (in terms of items, cash and baggage), cancellation, personal injury and many other varying possibilities. Something you should be aware of is the need to file a police report if you are a victim of theft. If you do not file a report within the first 24-48 hours (varies, usually the former) you will not be able to claim.

After that brief scare we shall continue along similar lines to talk about holiday money.
The main thing to consider here is what forms this should come in. You should never have your entire holiday spend in cash. It more prudent, for interests of safety to have the remaining amount loaded onto on of the new breeds of pay as you go currency cards. These are basically visa connect cards with chip and pin, that can be preloaded with credit to use. A brilliant idea as if they are stolen they are as secure as a debit/credit card. Most companies offering this service will also have in place duplicate card security to allow a second card to be hidden somewhere in case of theft of the first. As mentioned above, holiday money will also most probably be covered on your holiday insurance policy.

Another essential piece of kit you should take with you is a first aid kit. This can be invaluable and is easy to stock yourself with essential items, such as; Loperamide (anti-diarrhoea drug), antihistamines (in case of insect bite/ prickly heat rash), pain killers (such as paracetamol), hangover cure, antiseptic wipes/liquid, plasters, cotton wool, emollient cream, indigestion remedies, thermometer, first aid scissors and anything else you can think of (Vinegar can be especially useful to neutralise jelly fish stings).

To enter into a topic that is always readily addressed and repeated in articles such as this, don't forget sun cream. This is possible one of the most important items to take and something that cannot be overrated. You most probably already know that the sun is at it's strongest between the hours of 11am and 3pm. It is important to apply at least a factor 15 sun cream/block and reapply this every 2 hours and after swimming (even if the product suggests it is waterproof) Small children should be kept out of direct sunlight if possible and covered wherever necessary. Sun block of factor 50+ is advisable if young children are to be exposed to the sun.

See part 2 for information on travelling further a field.

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Is travel insurance a rip-off? That is a simple question with a complicated answer. To properly understand this issue, you should first understand what travel insurance is. The definition of it is fairly straightforward -it's short term insurance that covers you while you are on vacation. Travel insurance coverage depends on the parameters of the policy, but in general it extends to lost or broken luggage, thefts that happen during your vacation, medical needs that might arise during your vacation and lost personal items.

There have been many documented occasions of travel insurers being downright fraudulent. The internet is rife with examples. Many people have complained about this that travel agencies or airlines recommend for them being absurdly expensive, difficult or impossible to use, or even non-existent. In some cases, class-action lawsuits have been filed and have been paid to fraud victims. Many people have claimed that exploitative travel agents offered them vacation packages at seemingly steep discounts, only to force them to purchase overpriced travel insurance packages.

That said, not all travel insurers are bad, and buying travel insurance is not always a bad idea. There are many reputable, well-organized, established travel insurers out there. The best thing you can do if you are considering this is do your homework. Compare different travel insurers' rates and coverage packages. Read the fine print. Check consumer reports and fraud awareness websites.

Here is a brief list of circumstances in which you might find yourself where traveler's insurance can be a big help. If you suspect you might run into one or more of these problems during your trip, then traveler's insurance is probably a good idea.

Your flight is cancelled. If you are flying during a very high-volume holiday season and the weather is predicted to be particularly bad, traveler's insurance might come in handy.

Your bags are lost and you have prescription medication. You need to have an emergency prescription filled. If you have critical medical needs, then traveler's insurance is absolutely a good idea. You will want to be sure and have a quality, proven insurer with strong medical coverage. Regardless, you will want to put any prescription medications in your carry-on in case your luggage is lost.

Your passport and wallet are stolen and you need emergency cash and a new passport. It isn't easy to predict a theft, but if you are traveling to an area where you are at greater risk of having your wallet stolen, insurance is a good idea.

A hurricane forces you to evacuate your hotel, resort or cruise. Certain areas of the world are more susceptible to hurricanes, especially during a few months of the year. If you are traveling to one of these volatile locations during hurricane season, insurance could bail you out if a storm comes.

A terrorist incident occurs in the city you're planning to visit and you want to cancel your trip. Terrorism is a horrific, tremendously unfortunate reality in today's complicated world. It's horrible to think about, but if you are traveling in a particularly volatile part of the world, travel insurance might ease your mind.

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Finding a backpackers insurance plan that's tailor-made to assist a traveler is imperative on long-stay excursions. Making all arrangements for a worldwide expedition is often a stressful process with so much to organize and prepare, so being able to plan the ideal travel insurance for backpackers is a welcome relieve.

Backpacking insurance is often a smart and cost-effective approach to gaining protection against possible travel disruptions. Hiking in a foreign state can bring with it a plethora of difficulties, so it is a wise choice to get well prepared for all circumstances.

A long-stay worldwide travel package is designed to offer protection in circumstances such as cancellations or travel delays, personal liability, emergency medical expenses, stolen or lost luggage, legal expenses and advice, personal property, and hazardous or extreme activities.

Long-term travel packages are idea for gap year students, backpackers, or young persons needing low-cost protection on an extended trip abroad. Plans often incorporate a flexible approach - with an indemnity period ranging from 60 days to 365 days, with a choice to extend coverage further if the need crops up.

In preparing one of these policies, make sure each destination on the itinerary is noted within the package. In addition, if planning to take part in hazardous sports or activities, are the actual events noted as an insurable risk. Activities such as kayaking, quad biking or bungee jumping can sometimes feature as one of the excluded sports.

Travel insurance for backpackers is a specific class of protection crucial for those intending on visiting an exotic destination or to venture of the beaten track.

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Obtaining travel insurance with medical coverage while traveling both nationally and internationally is important for several reasons. Because most health insurance policies will not cover you once you have left your country of origin, you will be responsible for any medical expenses incurred during the trip. This includes:

Transportation or evacuation for medical purposes
Hospital stays
Medical checkups, surgery or medications given while traveling

The cost of these medical services and other expenses can be very high and you are usually expected to pay for them when you receive treatment or shortly afterwards.

Protecting your health during your trip also means getting to and from your destination without incident. Many travel insurance policies include health and medical insurance for the time you're flying as well.

Benefits of Travel Insurance

Even if you don't have any serious or minor health issues, accidents can happen at any time. By purchasing travel insurance, you are helping yourself get the medical attention needed to save your life.
Without medical insurance, you could be denied services or you may have to pay for these expenses out-of-pocket, which can be very costly. If traveling with family, you should definitely consider purchasing travel insurance.

Other benefits of travel insurance include:

Medical evacuation or transportation to local hospitals
Medical services
Medications
Ability to travel home to visit regular physicians at no additional cost
Death/dismemberment insurance (transportation of body upon death to country of origin)

Protecting your health and the health of each member of your family is just as important as paying for other expenses when taking a trip.

Not Just for Vacations

Travel insurance should be purchased for both vacation and business travel. If you travel often for business, protecting the welfare of your family by remaining healthy during your trips is important. If you were to become ill or need emergency surgery, you will be covered under your insurance policy.

For those who travel often, annual or multi trip travel insurance is available. This policy can be used throughout the year and is less expensive than purchasing single trip insurance each time you travel.

When it comes to your health, taking proper precautions by researching vacation destinations in advance, visiting countries that are safe and purchasing travel insurance can help you have a safe, enjoyable vacation. When looking for a policy, make sure you find one that suits your needs.

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The Wild Coast of South Africa lies along its east coast. It is largely in accessible and untamed, hence the wildness. This also means that it has retained most of its natural beauty and has been unspoilt by developers, which makes it a holidaymaker’s paradise. Part of its unspoilt, natural charm is that a lot of the roads are still gravel and full of potholes. It really is best to use a 4 x 4 to get by, although a regular car will suffice. If you don’t own a 4 x 4 though an option is to rent one for the duration of your holiday. That way you don’t have to risk your car getting stuck on muddy or rocky roads. It’s probably advisable to go for the insurance option on the rented 4 x 4, that way you won’t have to pay for any damage suffered on the roads.

Xhosa is the local language in that part of the country. You will find that not many of the locals, apart from those in the hospitality trade, speak English. It would be useful to learn a few basic words to get by and to increase peoples’ general attitude towards you. A few examples are: Hello – molo; how are you? – unjani; good bye – sala kakuhle; please – enkosi; thank you – enkosi kakhulu; yes – ewe; no – hayi.

The Wild Coast has an excellent climate for holidaymakers. It is neither too hot nor too cold all year round. It varies slightly from temperate sub-tropical in the south to moderate sub-tropical further north. In the winter, which is temperate, dolphins and whales abound in the sea and the weather is ideal for a winter holiday, as it rarely gets colder than 14 degrees Celsius. In fact, the best time of year to visit Port St Johns is in April and May, as the seasons change to winter. Temperatures in the summer months stay cool and comfortable. The Wild Coast gets its rainfall in summer. You needn’t worries about the mosquitoes though; despite its tropical climate it’s a malaria free zone.

Some of the towns that you will encounter as you travel along the Wild Coast are: Viedgesville/Jojweni – a town that has 2 names depending on the language you speak. You might find either or both on a map. It’s a well travelled road and is tarred all the way. Umtata – has many roads leading from it, the most travelled one being the tarred one to Port St Johns, with beautiful countryside to look at as one drives. There is also a less travelled road to the Umtata River Mouth, which is not as good as the Port St Johns road.

Umtata is home to the Nelson Mandela Museum, which is divided into 3 sections. The central section traces his life with photos, write-ups and displays and the other 2 rooms display all of the gifts that have been given to Nelson Mandela from all over the world. There is also an open-air swimming pool and some craft projects. Thirty kilometres north of Umtata is a little town called Qunu, which has the enviable claim of being Nelson Mandela’s birthplace. You can see his “palace” from the N2. One of the improvements that he has made there is that he has had a tunnel built under the road so that the school children can cross the road safely. The Mandela Museum runs free tours of the area and if you book in advance you will be treated to a traditional Xhosa dinner.

If you feel a little bohemian, or artistic or you would simply like to soak up that kind of atmosphere then Port St Johns is for you. It has the best selection of accommodation and restaurants on the Wild Coast. It has also become a haven for backpackers. It has 3 beaches, known very originally as First Beach, Second Beach and Third Beach. They are each several kilometres apart and unique in spirit and atmosphere.

Quite a popular tourist attraction is the natural geographical phenomenon – Hole in the Wall. The natural movement of the sea has pounded a large tunnel through a freestanding cliff. The area was a good one for shipwrecks and to this day you have a very good chance of finding traces of the wrecks that occurred. Beads, coins and pottery shards are often found in rock pools. The locals have many colourful stories of their ancestors who came from the ships that ran aground there.

The small community of Coffee Bay, which is not much more than a trading store, a plain camping site and an old hotel, but is also one of the most beautiful spots on all of the Wild Coast. The spectacular beach lies between rolling green hills and the sparkling sea, and the view is simply breath taking. The bay got its name when a ship full of coffee beans ran aground, some of the beans took root and started to grow but the soil was too salty and the shrubs all died. Today no trace of the coffee beans remains.

If you like your coastline rugged and wild, and your beaches pristine and unspoilt, then the Wild Coast is the place for you. If you like to work hard to reach your destination and drive for long hours in difficult conditions and have infinite patience with gravel and muddy roads, then the Wild Coast is for you. If you like mountains and rolling hills and rural scenes and dodging farm animals then the Wild Coast is for you. The Wild Coast is for anyone who likes to have fun and who likes to relax and if that is not you, then what planet are you from and where have you hidden the mothership?

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When it comes to saving money on a trip - when is the value of using a travel agent worth paying a little more than the price you find online?

Unlike booking online, when you book with a travel agent, you are getting much more service than you will with an online agency. Our job doesn't end when we deliver your tickets to you - it continues with our assistance while you are traveling and when you get home. How you may ask?

Here are a few examples of actual client travel problems that the value of using a travel agent outweighed booking by themselves.

We booked a family on a vacation package to Cabo. They had connecting flights and called us because their first flight leaving was delayed by several hours, causing them to miss their connecting flight.They called us from the airport because they were concerned that the company that their transfers were through would not be at the airport to pick them up. We contacted the supplier who changed the flight times and made sure the transfer company had the new information.

Clients from Georgia were supposed to fly Feb. 13, 2010 to San Juan for a cruise leaving at 10 PM on Feb. 14. At 8 AM on Feb. 13 they called us in a panic. It was snowing, their flights were canceled and the airline told the clients they would not be able to fly them out until Monday.

Thankfully they could drive to Florida and we found flights on another airline Feb. 14 that would get them to the cruise ship with plenty of time to spare. We canceled their San Juan hotel, found a hotel in Orlando for her that would allow them to park their car for free for the duration of the cruise and shuttle her back and forth to the airport. Our client said if she had booked this on her own, she would not have known what to do and would have been heartbroken at not being able to travel. Since she had also purchased travel insurance, we started a travel delay claim for her to be reimbursed for the difference in the flight prices, plus her expenses for gas, tolls and meals to get back and forth to the Orlando airport. The forms were waiting for her when she arrived back from her cruise.

A few years ago, we had clients who had booked a trip and canceled their trip a month before the date they were to leave for a reason that was not covered by travel insurance. The supplier was adamant that the cancellation was non-refundable. We interceded and were able to obtain a partial credit to book another trip within one year so the client did not lose all their money.

Today a client sent us a price quote for a vacation to Punta Cana asking if we could beat the price. She priced the vacation with connecting flights from Philadelphia and on her return, she chose a flight that left Punta Cana at 7 AM. We asked her if she realized that to make that return flight home she would have to be at the airport by 4:30 AM to ensure she would have enough time to get through Security. She had no idea she would have to be at the airport that early. Not only did we beat the price, we found her direct flights for less than she was quoted through the online agency and her return flight left at 1:05 PM.

What other value do we provide when you book with us that you won't get from booking online? We send you destination information, advise you of the documentation you need to travel, give information on optional excursions, send you helpful hints and last minute reminders and we are available 24 hours if you have a problem while you are traveling as evidenced above. We follow up with you when you return and if there was a problem that needs to be addressed with a supplier, we will get involved to try and find a satisfactory resolution.

Is this kind of service worth paying a little extra for?

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There can be a lot of costs involved with backpacking. Avoid having to cut your trip short by doing a realistic budget before you leave. Here are the major cost items, make an estimate for each one:

* Airline ticket - use a search engine to find the best prices

* Airport tax - sometimes included in the ticket price

* Cancellation insurance - may be included if you pay by credit card

* Transfer costs to/from airport

* Cost of immunizations - shop around, prices can vary a lot

* Medicine - some medication (e.g. against malaria) can be quite expensive

* Insurance - check what is included in your home owner insurances

* Food - do you plan to cook yourself or eat out all the time?

* Accommodation

* Local transport

* Tours - these can be a lot cheaper if you buy them locally than through a middleman in your home country

* Tips - this can be quite expensive in some countries, check out what is expected

* Entrance fees

* Telephony - check roaming charges with your operator if you plan to bring your cell phone

* Internet

* Souvenirs

* Camera film

* Courses - do you plan to study a language, take surf lessons

* Film development

* Visa fees - may be cheaper to get on the road than back home

* Costs for home while away (e.g. rent, electricity)

* New things to buy (e.g. new backpack)

* Other unexpected costs (bound to happen)

Use the above budget items as a start to create your own cost model. Add or subtract items according to profile of the trip that you plan. Happy travels!

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Becoming a victim of crime is a possibility no matter where you travel nowadays - even when you stay at home! However, being aware of some of the popular scams and tricks that criminals and opportunists use to victimize tourists can help avoid problems that could ruin a good trip.

South America is a popular destination for world travellers and especially for backpackers, adventure enthusiasts and those taking a gap year. The country certainly has plenty to offer and a wonderful variety of landscapes from tropical beaches to the spectacular Andes Mountains, Amazon rainforest, Iguazu Falls, active volcanoes, and fascinating wildlife of the Galapagos Islands. Many travellers choose to take in the exciting and colourful fiestas and carnivals, or visit the sites of ancient civilizations. (Tip: To avoid disappointment, tickets to visit the Inca Trail and ruins at Machu Picchu should be purchased in advance).

The best travel advice is to do lots of research and set off armed with as much knowledge as possible. Take a quality guide book and Spanish and Portuguese phrase books. Chances are that nothing bad will happen but, unfortunately, travellers are vulnerable and criminals know it. They will take any opportunity to separate you from your money and possessions! The most common crimes anywhere in the world involve theft and pickpockets and theft of passports is a huge problem worldwide. Care should be taken in places where it is easy to be distracted and forget to watch your belongings, such as airports, internet cafes, on public transport or while renting a car. Avoid using public transport at night or walking alone at night in isolated areas.

Thieves have been known to target tourists by pretending to be police officers, tour operators, taxi drivers, or other officials (for example, a real police officer will never ask to see your wallet!) Taxis should be booked in advance with a reputable company, when possible. So called 'express kidnappings' are a problem in some areas where victims have been held captive and their bank accounts emptied before they are released. Female travellers should be especially cautious, especially when walking alone at night, on public transport, and in isolated areas, as rapes have been reported. Be on guard also for spiking of drinks - a problem which has become more prevalent. Avoid accepting drinks from strangers, leaving drinks unattended, and make sure that they are poured in plain view.

Be aware that many shops, bars, restaurants, and hotels may not accept credit cards in South American countries. Watch for counterfeit money and bogus ATM machines. In Peru, in particular, some ATM machines do not release credit and debit cards automatically unless a button is pushed - and instructions are not always written in English! It goes without saying that travellers should avoid all contact with illegal drugs or drug trafficking as the penalties are severe, involving imprisonment for long periods in extremely unpleasant conditions.

All travellers, especially those with pre-existing medical conditions, should have a thorough check-up and necessary vaccinations before leaving home. Diseases like yellow fever, dengue fever, cholera, and malaria are problematic in many areas. Evidence of valid inoculations may be required to travel between some countries in South America.

The above tips are just a sample of the knowledge travellers should be armed with before setting off. The British Foreign and Commonwealth Office 'Know before You Go' campaign is an excellent resource for travellers. Their 'Travel Advice by Country' section contains current travel updates and advisories and the Travellers Checklist is another useful tool. Young travellers should pay attention to their Gap Year information. Avoid attracting the attention of police, keep the locals happy, and impress your travel companions with your awareness of local customs, laws and expected etiquette for each country.

Adventure travellers and adrenalin junkies will find plenty of outdoor activities and thrills. Activities like kayaking, white water rafting, surfing, hiking, mountain biking and mountaineering are popular. Care should be taken to ensure that the correct travel insurance policy is purchased which will provide cover for any potentially hazardous sports activities. Chile and Argentina are popular destinations for downhill skiing during the UK summer months and, again; don't forget that additional insurance coverage may be needed.

Many areas in South America are remote with limited access to good emergency medical facilities. If a medical emergency should arise, medical care or evacuation and repatriation may be necessary. Without comprehensive travel insurance the costs could be astronomical and mean the end of any further world travel plans for a very long time!

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For Texans, including those in the cities of Houston, Dallas and Austin, backpacking remains one of those sports that retains its popularity, even in a world where technology reigns. Indeed, the lure may have something to do with a "back to the earth" culture, in which people find they need a break from being online.

But regardless of the reason, Texans all ages have made backpacking a part of their lifestyle, one that has virtually unlimited potential for variety and enjoyment.

One of the key aspects to consider when looking at backpacking as a sport is equipment - - what's necessary to safely and comfortably engage in the activity.

When it comes to equipment -- the backpack itself being the most important - - there are a variety of manufacturers and retailers to explore, but knowing what questions to ask will help narrow down the choice. Among the key factors in sifting through the choice of backpack is the design. Good choices abound in backpacks that give the user the ability to easily find their items without emptying everything. Having numerous pockets, for instance, may help minimize that problem.

With that in mind, having a place to stash a water bottle is an especially important idea. An even better one is to buy a backpack that has a detachable daypack, which can be used as a carry-on while the larger backpack is left at a hostel or camping site. Another strategy for seasoned backpackers throughout Texas is bringing both the day pack and main pack on a hike, using the smaller one for the crucial items (including map or bug spray).

Overall, choosing the ideal backpack is a matter of asking the right questions, assessing the real needs and then acting accordingly.

A retailer or salesperson should be able to advise a backpacker on how big the backpack should be, what adjustments can be made to make the sport more enjoyable, the maintenance required for enjoying the sport, and aspects such as warranty and availability of repairs should those be required.

Safety is another area that should be considered by newcomers to the sport of backpacking .

Those whose knowledge often comes from practical experience offer a variety of solutions to any number of situations that have confronted backpackers, among them:

• A sudden thunderstorm: Shed the pack and run downhill to a ravine or gulley, crouching on a sleeping pad.

• Whiteout: Stay together and follow a known trail down; alternatively, take cover if you are lost.

• Lost child: Backtrack to last sighting, contact authorities, enlist help.

• Bee sting: Scrape off stinger with knife, watch for anaphylactic shock, apply compress.

• Deep flesh wound: Apply pressure, elevate, irrigate, bandage loosely, keep clean.

• Avalanche: Seek shelter, swim and kick, make air space with arms, fight for surface.

• Can't climb down: Scout a better route, remove pack, call for help.

• No feeling in fingers: Remove pack and stick fingers in your armpits or underpants.

• Dropped mitten: Substitute a spare sock, sew leashes on for next time.

• Flash flood approaching: Evaluate escape routes, seek higher ground, float feet first.

• Dislocated shoulder: Immobilize joint, remove tight clothing, evacuate

• Burn from hot water: Remove wet clothing, soak with cool water, apply dressings with antibiotics.

Someone who gets lost while backpacking would be well-advised to stay put rather than adding hypothermia or injury to the situation.

If a backpacker gets soaked, one of the first steps to take is to change clothing, putting on any raingear that's been packed and shedding the shirt that was soaked during the climbing.

Because dehydration makes a backpacker colder, making sure there is enough water for the night is key. In climates where there is snow, filling a bottle and stuffing it inside a jacket to melt can work, as does setting the bottle beneath a steady drip from a rock or vegetation.

Those who get the backpacking bug will attest that good equipment and a mindset for keeping safe are both key to enjoying the sport for years to come. If you’re a young individual who tries to keep informed and stay fit to maintain a healthy condition and lifestyle, you should take a look at the revolutionary, comprehensive and highly-affordable individual health insurance solutions created by Precedent specifically for you. For more information, visit us at our website, [http://www.precedent.com]. We offer a unique and innovative suite of individual health insurance solutions, including highly competitive HSA-qualified plans and an unparalleled “real-time” application and acceptance experience.

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Travel insurance is a rip-off? This is the answer to a simple question with a complicated. To understand this question, we must first understand what travel insurance. The definition is fairly simple, it 'sa short-term insurance cover while on holiday. Insurance Coverage of travel depends on the parameters of the policy, but in most cases to recover lost or broken luggage, thefts that happen during the holidays,need medical care, may arise during your vacation and lost personal items.

There were many opportunities to document travel insurance will have been even misleading. The Internet is full of examples of widespread. Many people have this travel agents or airlines complained to recommend to those who used to be absurdly expensive, difficult or impossible, or nonexistent. In some cases, class actions are filed and paid by the victims of fraud. Many people have arguedthat travel agents of exploitation and vacation packages offered discounts for purchases seemingly strong, the only force to buy overpriced travel insurance packages.

This means that not all travel insurance companies are bad, and my travel insurance is not always a bad idea. There are many reliable, well organized, as the basis of travel insurers out there. The best thing you can do, if you think that doing your job. Compare travel insurance and coveragePackages. Read the fine print. Check Consumer Reports and Web sites to raise awareness against fraud.

Here is a brief list of circumstances in which you can find himself, if travelers insurance can be of great help. If you think you could in one or more of these problems during the trip, then Travelers Insurance runs probably a good idea.

The flight is canceled. When you fly in a very high volume of holiday season and the weather is expected veryevil, Travelers Insurance may prove to be useful.

The luggage is lost, and you have drugs without prescription. You must have completed a requirement of emergency. If you have significant medical needs, then Travelers Insurance is always a good idea. Want to be safe and have a quality, experienced insurer with a strong medical care. Regardless, you should put all prescription medications in hand luggage in case your luggage gets lost.

The passport and wallet stolen and you need emergency cash and a new passport. It is not easy to predict a robbery, but if you're traveling, a room where one is a higher risk that your wallet is stolen, an insurance policy a good idea.

A hurricane strength at your hotel, resorts and cruises to evacuate. Some areas of the world are more vulnerable to hurricanes, especially in certain months of the year. If you use one of these places during the volatile hurricane season> Insurance might help if a storm was coming.

A terrorist attack occurred in the city you plan to visit and if you want to cancel your trip. Terrorism is a terrible reality very sad to complicated world of today. E 'terrible thought, but if you are traveling, in a particularly unstable in the world, travel insurance might ease your mind.

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The economy is in a down turn, retirement funds are shrinking and the future of employment is unknown. Our natural instinct is to cut back spending and watch the bottom line more closely. People worldwide will decide to give up on the one thing we know will take away the stress and give some much needed down time especially in times of uncertainty. This is the family vacation.

However, many people are unaware that vacations do not need to be expensive to have a good time. The average family empowered with the proper knowledge will enjoy a luxury vacation at a very affordable price. As an Orlando vacation home owner, I routinely see resort specials and so called "once in a lifetime" deals which in reality are not so great. It is important to arm yourself with the necessary knowledge before making a decision of whether or not a vacation can be affordable and in line with your budget. Listed below is information to be considered that will show you how to have a luxury vacation that you may have otherwise thought was financially out of reach.

1. Choose a popular destination for tourists
One of the most popular destination vacations is Orlando, Florida which sees more then 52 million visitors each year and is on top for theme parks.

2. Know the dates of the low, medium and high seasons for the tourist industry
Orlando in January is "low season". Hotel room rates drop, vacation home prices are lowered, rental cars prices feel like they are free and theme parks often have a special incentives. March break or summer vacation is on the opposite end of the spectrum when these same vices may be booked or forecasted at capacity at which time prices are increased.

3. Look into renting an all inclusive vacation home when available
The Orlando area has thousands of vacation homes and gated resort communities with features and amenities for every budget. The many benefits include the following:

5 Bedroom homes and larger make it possible for families to vacation together and split the cost making it much more affordable then hotel rooms.

Most homes have their own private heated pool and spa. Hours for swimming are always open.

Many homes are furnished with a game room including pool table. There is no need to spend time in a closet sized room playing Pacman and Space Invaders.

DVD libraries, big screen TV's and xBox360. Don't pay for in room movies and games when you can watch and play for free.

Free Wi-Fi. Don't pay to have your laptop connect to the hotel internet.

Clubhouse resort activities. Check your email for free, work out in a fitness room or play group sports outside.

Kitchen facilities. With all dishes and utensils at home, buy food at the grocery store instead of eating at restaurants and save hundreds of dollars.

Choosing a home with many amenities may cost a bit more but will end up saving with less trips to Disney World and the other benefits listed.

4. Understand your car insurance at home
Many visitors have rental car coverage under their own policy and can deny the insurance offered by car rental agencies.

5. Do your homework for car rentals

Go online to one of the many travel portals available to help find the cheapest rental.

Make sure you consider location as some agencies are not located at the airport. This is an inconvenience that may or may not be worth the extra discount and only costs a bit of time.

Fuel service is commonly offered in which the price per gallon is very competitive but you should know that a service fee routinely charged on top so it should always be cheaper to deny the service and return it on a full tank.

6. Arrange theme park tickets in advance
There are many locations that will sell your park tickets in advance at a discounted price. Be aware though, if it sounds too good to be true, it probably is. Some vendors will sell you park tickets at extremely low prices but you are obligated to spend a few hours looking at a time share opportunity that they want you to buy.

7. Save money with coupons
You can save money by going online to local tourist information sites or picking up brochures in restaurants, gas bars and shops that will allow money off merchandise, meals and attractions.

Following these tips will give the ability to stay in a luxury Orlando vacation home for less money then it would cost to stay in a hotel. References to the amenity rich and overall experience of the Orlando Vacation home found on www.sunshinyflorida.com can be made available to families interested in renting a 5 star luxury home for a Disney Orlando vacation.

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When travelers purchase trip cancellation insurance, you want to be sure that your travel insurance pays your request. Here are 5 things you can do to help your travel insurance claims are processed quickly and correctly:

Tip 1: If you become ill or injured before or during the trip, it is important to go to a doctor. If you do not go to the doctor, the insurance does not believe that she is sick or injured. Here's how to read the policy in the rule: "ForPerformance of a cancellation, a genuine examination by a licensed physician must take place before the withdrawal. Trip interruption benefits of this investigation must be retained for your trip. "

Tip # 2: a set of information is necessary if the demands, even small. Maintain a register of persons who speak. Do not forget the receipts for services, including items purchased to maintain, if you have a travel delay or baggage.

Tip 3: Ifnever need to apply, you write a cover letter with an overview of his complaint with the application form to be sent.

Tip 4: Keep copies of everything that comes with the application. You would not believe how many people do not retain any copies. And, these are usually the cards seem to have been lost in the mail!

Tip 5: If (a form of travel insurance application or view any type of insurance application form), you will see, the space is never enoughComplete details of the doctor. There is also room for prescribing information in this area. Photocopy of the medical business, instead of trying to write everything on the form. And the same with your recipes.

In addition, plans to travel insurance, to gather support, including use of a multilingual emergency calls 24 hours that you can call from anywhere in the world.

Here's an important tip when you call the 24 hours --Emergency Assistance Hotline: Before you get a phone number where you receive a call, you can call. In this way, if one is cut unexpectedly, or you are free to make the call, please), you can call their own cents (at their expense.

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