Travel insurance policies are a great way for travelers to protect their investment and cover themselves financially while away on vacation or a business trip. Both travel and demand for travel insurance are ever increasing and cover is now available through many different insurers. This article will discuss a number of ways to save money on travel insurance which all you should know about if you are looking for a policy.

Start with a Basic Plan and Go from There

One of the first ways in which you can save money on your travel insurance policy premium is to start with a basic insurance plan and work your way up from there. Many insurance providers will offer basic travel plans and then provide options for adding on other types of coverage. For example, a basic insurance plan for travel needs may include trip cancellation protection and cover for lost or stolen luggage but the individual will have to add on additional facets of coverage such as medical expense reimbursement and personal effects coverage. By starting with a basic plan, you are able to pick and choose which additional benefits suit you. This will save you money in the end by keeping off benefits and features which are unnecessary for you.

Forgo Deductibles

Some insurance companies will have an excess or deductible amount attached to the policy in addition to the set premium. This is something which can cost the individual more should they need to make a claim on their insurance for some reason or another. Not all insurers will have an excess, therefore it is a good idea to shop around and look for policies with minimal or no excess for claims.

Consider Annual Travel Insurance Plans

Travel insurance policies come in many different forms. Some are single-trip policies whereas others will provide benefits and cover for an entire year. Although annual travel insurance plans are more expensive than single-trip travel insurance plans, they may save the insured money in the long run.

If the individual travels on a frequent basis, buying an annual insurance plan will often be in their best interest as it will cover them the entire year for all of the trips which they embark on. When comparing that to the price of paying for individual policies each and every time you travel, obtaining an annual travel insurance policy will often be the best way to save a lot of money and have peace of mind knowing that year-round coverage is present.

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While many backpackers have a relaxed attitude about travel insurance those that take the time to put a basic backpacker travel insurance policy in place can make their journey without the risk of high medical costs ruining a great holiday.

As a general rule backpackers are single, young and not keen to pay high insurance premiums for benefits they do not consider relevant to their circumstances. The reality is that backpackers have few concerns about traveling other than falling ill or meeting with an accident that leaves them hospitalized for a lengthy period of time and incurring huge medical bills as a consequence. As a result they are generally not seeking disability or death cover but rather unlimited overseas emergency medical assistance and hospital expenses. They may also want backpacker insurance to cover off a nominal amount for the loss and replacement of credit cards or travel documents and stolen luggage or personal effects.

Purchasing backpacker insurance online is often much cheaper than the travel insurance that may be offered by a travel agent. In Australia there is quite a lot of competition for online insurance and basic backpacker traveler insurance that provides adequate cover for young travelers is readily available at a cost that is within their budget.

Whether you are looking for backpacking insurance that covers you for emergency hospitalization and the medical bills that you might incur when you are traveling either internationally or backpacking locally around Australia, there is basic backpacker travel insurance available online at a very low cost. Cheap backpacker travel insurance does not have to mean compromised cover, it simply means that you are not paying for cover you deem unnecessary - luggage delay for example will generally be of little concern to a backpacker taking his or her time traveling the world - an extra day waiting for bags is of little consequence.

The beauty of travel insurance for backpackers is that it is designed with backpackers in mind: policies for single trip, multi-trip, or even annual trip travels insurance are also available but there will be a premium for this. There are insurance plans and policies to cover hitchhiking, trekking, road trips, boat trips whatever traveling you have in mind on your backpacking holiday. If you are planning more dangerous activities such as skiing then you can cover for accidents but again this will obviously increase your backpacker travel insurance premiums.

When you purchase a basic backpacker insurance plan you are not buying hidden extras which simply won't apply to you, you are not paying for add-ons that are more likely to suit some high flying tourist slipping on a spilt martini along glass tiles of the roof top pool of some ritzy five star hotel. No, with backpacker insurance the policy is tailor made for the type of risks and dangers a traveling backpacker is far more likely to encounter. A basic backpacker travel insurance policy will cover emergency hospitalization, hospital and medical bills along with up to say $2000 cover for loss of credit cards, stolen travel documents or lost luggage.

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In this article I will cover:

- Getting cheap or free web on your holiday / backpacking trip.

- Getting the cheapest but most comprehensive travel insurance possible.

- The cheapest international calls

- Cheap Accommodation

- How to find specific info for each city

Getting Free Internet on you Backpacking trip

When it comes to cheap backpacking, this tip will save you a lot.

I picked up an old Nokia phone with Wifi (EU75) from a gypsy market in Bulgaria two months ago, and I've been sponging off other peoples open wifi connections ever since!

The beauty of this is that each time I use my new free internet connection instead of paying Euro 2-5 (sometimes 10!), eventually that money saved means that I will eventually make the cost of the phone back and then start actively saving/making money.

I've also downloaded a nifty program called Fring, which lets me call others on Skype/Google talk etc for free or landlines/mobiles for a small fee when at a wifi hotspot. The fee is much less than what you can expect to pay with the normal 'cheap' international phone cards.

Working the system to get the cheapest travel insurance possible

Rule number one for having a cheap backpacking experience:

NEVER buy travel insurance from your travel agent! Until you follow the steps below first!

Buying travel insurance from travel agents is like buying Armani from a supermarket. It's just not cricket ~

Because it is a point of convenience, most people don't think about shopping around and just go for the first price they get. Which is always a rip off.

My first quote for travel insurance for a 6 month trip to Europe, Middle East and Africa was over AU$600 from my travel agent. No thanks.

I then did a search on the web for the absolute cheapest I could find with (and this is very important) comprehensive, unlimited health insurance, which is all I was interested in. I ended up getting a quote for AU$200 from a company backed by a major international bank. I then took that to my travel agent and they matched and beat it.

So I ended up paying AU$180 instead of AU$600 for the same product!

The cheapest international calls are not where you think

Most of us who are looking for a cheap backpacking experience know not to call home from hostel/hotel phones etc and usually buy calling cards.

Whilst this can be cheap, some countries don't have the cheap international calling cards, or if they do are not so cheap.

The other option is using a feature called 'Skype out' - this is part of the normal Skype program, except instead of just calling a Skype computer, you can call actual landlines and mobiles. For cheap!!: )

For example, I go to an internet cafe in Bulgaria and call home for the skype rate of AU 2 cents per minute instead of AU 26 cents per minute which I would be charged with a calling card/special internet phone booth.

That's 1/10th of the price!

Yahoo has an even cheaper option with their chat program.

Or if the person you are calling has Skype/Yahoo messenger, you can call for free obviously: )

Cheap Accommodation

The worst thing you could do when aiming for a cheap backpacking experience is booking a hostel through HostelWorld.

Having worked at a hostel I can tell you they own 80% of the market and can get away with charging you US$2 on top of the 10% booking fee.

Why pay the US$2 every time when you can book free at HostelBookers (dot com)? You get exactly the same thing without being taken advantage of!

Another thing that is handy to know is that that 10% deposit only goes to the website not to the hostel! Knowing that, why not Google the website of the hostel you want and email them directly, asking them if you can keep the 10% if you book through them directly? I've done this several times and its especially handy for long term stays

Specific info for each city:

Whilst the preceding four points are good general tips, one more thing that will save your hard earned money is to find blogs which cover cheap holidays for the city/place you are about to visit.

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As we grow older, many over the age of 65 enjoy extensive travel. In your golden years, you deserve to be able to travel to places you have never been, or visit those you enjoyed most in the past. Age Concern travel insurance may be the solution you need so that you can travel the world without added worries or stress. It often becomes hard to find travel insurance as you age, due to several factors such as medical conditions. Age Concern travel insurance takes a different approach to those of a certain age who want to travel the world.

Many insurance companies will not cover a pre-existing medical condition when you travel. Age Concern travel insurance will cover pre-existing conditions for those who qualify, and determining whether you qualify can be accomplished by answering a few questions. There are no upper age limit levels as there are with many travel insurance companies. Unfortunately, today many companies seem to view insurance as a luxury, when it is in reality a necessity for anyone who desires to travel either in their own country or to a foreign country.

Age concern travel insurance offers exceptional coverage for those aged 65 and older who enjoy traveling. While anyone wants to enjoy a trip to the fullest, things can and do happen. What if you were to be in an auto accident while you are in a foreign country? You may need to be hospitalized, which would bring up a whole new dilemma. All too often, people do not realize the jeopardy they put themselves in by traveling without purchasing insurance. Your bags may get lost or stolen, your trip may be canceled for unforeseen reasons, or an emergency may cause your trip to be cut short. It is a good idea to be prepared for anything when you decide to take off on holiday or a trip to Europe!

Many individuals are extremely active, even as they approach their golden years. Boating, skiing, and other activities do put you at greater risk of being injured, but life is not meant to be approached in an overly-cautious manner. If you are planning a trip that includes sports or activities that may be considered risky, many insurance companies will not cover you in the event that you are injured while participating in these types of activities. Be prepared for your trip by knowing what activities you will be engaging in, and whether you are covered if anything should happen.

Age Concern travel insurance was conceived over two decades ago, when it was apparent that people of a certain age were getting the short end of the stick when it came to travel insurance. Because everyone ages, you should not have to be stifled within boundaries concerning your enjoyment in life and things you want to experience. One of the most enjoyable things in life as you grown older is experiencing new places and new adventures. Age Concern allows you to travel and enjoy life, without the worries of what may happen or if you will be covered.

Always remember, this is not medical insurance. If an unexpected emergency does arise while you are traveling abroad, Age Concern travel insurance will cover emergency expenses, but not the usual expenses such as tests and medications that medical insurance provides.

For a worry-free trip you will remember for years to come, make sure you are equipped with the facts. It's always better to be safe than sorry, especially when you are visiting a strange country. Age Concern travel insurance takes care of many of those items you worry about, but other companies seem to disregard. Plan well in advance, learn more about what Age Concern travel insurance has to offer, and enjoy your travels no matter how far the fun and excitement takes you!

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People always love to see the unseen and know the unknown. This is why their love for traveling will never end. But, if you are planning for a foreign trip, there are certain things against which you need to guard yourself. The first thing that you have to realize is that you are visiting an unknown country. So, things will be much difficult for you if you are in any kind of trouble. Now, the fact of the matter is that the problems have a nasty habit of coming unforeseen. So, you have to prepare yourself for all possible problems.

It is in this regard that the international travel health insurance can be so effective. They will cover a lot of different areas of concern. As a result, you will not be worried about them and therefore, will be able to enjoy your trip to the fullest. This is why the international health insurance is such an important things that you should claim before you leave for a foreign country.

There are plenty of benefits of these insurance plans and you always have the freedom to choose the one that is most suitable for you. Apart from the medical coverage, it can also ensure your safety, and reduce a lot of headache. For example, if you suddenly fall ill in a foreign country, you will find it very difficult to find doctors. Also, they may not be conversant with the language you speak.

Again, may be, you have lost your passport. Now, you need to go to your Embassy as soon as you can. However, the problem is that you can't enter there without showing your passport. Now, the international insurance will help you out in such moments of exigencies. Also, there are other possible problems. Your flight can delay and you may have to pay extra dollars for that. Also, there are non refundable costs in cancellations as well. But, if you have an insurance plan, you can get rid of all these problems.

Now, you might be thinking what is wrong with the domestic health insurance policies. Well, they don't have the network and infrastructure to work on an international level. So, you will not get any effective help and you will suffer from a false sense of security.

Well, the good thing is that there are hundreds of different insurance companies out there that will provide you with different international travel health insurance plans. So, you can always pick up the one that you like. The internet can be very useful in this regard. However, you should be careful about the scams. Ideally, you should read the entire document carefully to see that everything is in accordance to your needs.

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Liability insurance is when you cover any visible or possible liability that you may have with proper insurance. When businesses or commercial establishments purchase insurance to cover their liabilities, it is called as commercial liability insurance.

For any commercial firm, the commercial liability insurance pays part of or the entire amount of the damages caused by liabilities of the company that may have been imposed due to business-dealings or by law. It also has the potential to pay for the cost of legal defense in case of any claims. Adequate commercial liability coverage is a must to survive in business. Without it, a commercial firm would have to bear the cost of damages itself.

One has many options of applying for commercial liability insurance. However it is the insurance company that, by using their underwriting standards, determines if the business is eligible for insurance and for how much. The insurance companies have classifications on businesses, and any new commercial liability insurance has to fall in one of those classifications. This means that even a company with a totally clean record might still have to pay a high premium for commercial liability insurance.

Insurance is mostly sold directly by a company or through their agents and brokers. There are also individual and independent agents that, unlike exclusive agents, at times represent several insurance companies.

If one is considering buying commercial liability insurance, he or she should remember to contact several liability insurance agents and look around for various companies. At the same time, the firm should also ensure that it thoroughly understands what it is buying.

Often an independent agent can be a good source to provide comparisons on various commercial liability insurances policies available. However, one should remember to properly search around and even surf the internet to do some research on his or her own, before finally opting for one company and policy over another.

Also, do remember to check that the agent you choose has experience in your line of business and whether he or she is licensed to do business in your state. You can find about an agent's license from the Commissioner of Insurance by calling them up or visiting the website.

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When in Sucre cheesy as the 'dino mobile' looks a trip to the dinosaur footprints will exceed your expectations.  The cost of a visit is cheap and the prints are extensive - it's just such a shame & quite unbelievable that such a treasure is still part of a working quarry.  The prints scale a sheer rock face which shakes with dynamite explosions from the base even as you watch - let's hope that UNESCO win their battle and these footprints are preserved for future generations.

Do not miss the world wonder which is the salt flats of Uyuni.  There are 2 choices of trip - either a 1 day trip out to the salt flats & back or a 3 day trip across the salt flats and on in to San Pedro De Atacama - Chile.  If Chile is on your travel path then this is probably the best trip to take as you will see all the attractions of the salt flats along with the red & green lagoons & flamingos.  The 1 day trip will however cover the salt flats element and from Uyuni you can get an overnight train down to the border with Argentina.  These trains do not leave every day though so worth checking before you arrive to avoid a prolonged stay in Uyuni.  Once in Uyuni every shop is a travel agent and trying to choose who to go with blows your mind - all offer pretty much the same thing the decider needs to be how good their English is and the state of their vehicles.  All operators have books with reviews from previous travellers so have a read of these before you decide. 

La Paz is the unofficial capital of Bolivia and  the biggest city at high altitude in the world.  It´s a fascinating city, full of markets .. including the notorious witches market where Bolivians buy llama foetuses which hang in the doorways of all the shops - they´re believed to bring good luck if placed in the foundations of a building. For all those that have read ´Marching powder´ - yes the prison is still there but unfortunately when we were there nosy backpackers were no longer permitted access (although in Bolivia money talks so if you're feeling brave it could be worth a try!).

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When you think of why you'd need travel insurance you probably get images of broken legs whilst skiing, Car rental mishaps in the Mediterranean and eating some dodgy shrimp. You wouldn't normally associate a weekend break within the UK as somewhere you'd need travel insurance.

But the truth is that wherever you go in the UK you are still going to need travel insurance, just not in the way you'd normally expect. Since you'll still be in the UK you won't be claiming against your life insurance if you get injured, that's what health insurance is for.

The situations you'd need to claim against travel insurance would normally be the occasions where you have to cancel your holiday or cut it short. One such situation could be that you go on holiday for two weeks, when halfway through you injure yourself meaning you have to go to the hospital, subsequently cutting your holiday short. Aside from the medical costs you could end up being lumbered with charges for your accommodation even though you're stuck in a hospital bed and not even at the hotel anymore!

This is unfortunate but hotels are well within their rights to charge you as otherwise they could have filled that booking with someone else. Luckily your travel insurance policy covers events such as these and can help regain most of the expenses which normally would be lost.

It's also becoming more popular for people to take advantage of cheap domestic flights and taking the plane as opposed to a long and winding road trip, so if you were to cancel your holiday even due to bereavement then normally you'd be left out of pocket, travel insurance covers this too fortunately. This would also cover lost luggage as even with domestic flights it's not unknown for your bags to disappear off the face of the earth!

Invariably whilst you're away you'll be taking a camera with you, and in this day and age probably a mobile phone or MP3 player too, if you were to lose or damage it while on holiday then you may not be able to afford a replacement out of your own money.

So as you can see there are plenty of occasions where you'd need travel insurance, no matter where you go, be it abroad or the other side of the country. If you have any doubts or questions it would be best to check with your current travel insurance company or a travel agent as they'd be best to advise on the level of cover for your chosen destination, you should also familiarise yourself with your insurance emergency claims line which are normally open 24 hours, 365 days a year

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Visitors coming into the United States should know that if they find themselves in need of medical attention while visiting, they will want to have health coverage. While heath care in the United States is some of the best in the world, it is quite costly. Just one trip to the emergency room can cost hundreds or even thousands of US dollars, depending on the seriousness of the situation. Fortunately for Foreign visitors, there are numerous companies who will sell them short term visitors' medical insurance.

Visitor's medical insurance is available in short term plans to cover individuals for the duration of their stay while in the United Sates. Plans can vary, but coverage generally includes doctor visits, hospital charges, lab work and x-rays, surgery and prescription drugs. It is advised to purchase your plan before you leave home, but visitors can also purchase plans after they have arrived. Take note though that coverage does not go into effect until after you have purchased a policy. The plans are generally quite flexible on how long they can be purchased for, providing coverage for just a few days up to a few months.

Plans are pretty simple to find and easy to sign up for. Visitors can check with their travel agent or look on the World Wide Web. Most companies offering plans can do the simple application right on the internet or over the phone. Most times the only information required is the person's birth date and their passport number. Plans do not require a physical exam.

Once travelers have signed up for a plan they will get an insurance card that will provide information in case they should need to use their plan. A policy number is included as well as a phone numbers that doctors and hospitals can use to verify coverage. In most cases you should also receive information on the network of doctors and hospitals that are in the plans PPO network. If you do find yourself needing medical care, and it is at all possible, you will want to seek out these doctors and facilities. They will be able to bill your claim, making the process easy and efficient for you.

There are some important things to be aware of when it comes to visitor medical insurance. Usually vision and dental issues are not covered. The same is true for over the counter medications and any prescriptions you are taking for pre-existing conditions. Finally, if your trip home is delayed for any reason, coverage will lapse at the time you have arranged. If you are going to be in the US for additional time you will need to call and add on days to your policy.

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In recent years, travelers have been swept up in concern over easily-transmittable illnesses like avian flu and swine flu. Rather than not traveling at all because of fear of contracting a virus, the best course of action for travelers is to prepare ahead of time for their trip. This includes getting their own health checked out ahead of time, studying up on common health problems faced by tourists in their destination country, checking for the latest information on factors like weather in that country, and buying travel health insurance.

You can begin preparing for your international travel adventure by getting a checkup with your primary physician. This way you can treat any developing illnesses before you leave. This will help make sure that you don't exacerbate any conditions while traveling. You can also share this information with your travel insurance company ahead of time so they're aware of any preexisting conditions.

The next logical step in preparing is to learn about common health problems faced by tourists who are visiting the country you're heading to. Are there certain airborne viruses to be wary of? Should you avoid the local water supply? You may wish to consult with a rep from your travel medical insurance company, as they have experience working with people visiting many of the most popular destinations in the world.

Then, just before you depart, check the latest news from the country you're visiting. Are there climate shifts occurring that could impact your health like a sudden drop in temperature? Is it flu season in the place you're visiting? This is all good information to have on hand so you can be prepared for your visit.

Again, your travel insurance representative can help you stay abreast on the latest international goings-on.
Buying travel medical insurance is the last, and perhaps most important, step in getting ready for international travel. Because for all the preparation work you can do ahead of time, you can never guarantee that you won't get injured or become sick while traveling. And if you do need to visit the doctor or the hospital, being uninsured will be a very costly experience.

Rather than get stuck with a huge medical bill because your insurance doesn't cover you outside of your home country, buy a travel medical insurance policy and make sure that affordable high-quality medical coverage is always available to you.

You can buy travel medical insurance online from a number of different providers. Be sure to research your purchase ahead of time by browsing pricing details and plan features online. Most companies will post detailed information about their policies, and they're also happy to take further questions via e-mail or telephone.

Travel insurance will save you money should the unforeseen occur, and it will give you peace of mind while traveling. The last thing you want to do on your exciting trip abroad is to spend time thinking about how you would afford expensive medical bills. Eliminate that worry with a travelers medical insurance policy.

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Travel is one of the most interesting things that you want to do. This is because there are so many good things that you will experience when you travel and not to mention the things that you would learn when you travel. However, not too many people may be able to experience the luxury of traveling not only because travel is expensive especially when you speak of international travel but also because of the difficulty in international travel. One of the hard things in international travel is to insure that you would stay in good health for the duration of your travel. At present, when you do international travel, the travel companies offer health insurance international coverage.

Accidents and sickness that require medical attention cannot be avoided when you travel, live and work abroad. Domestic health insurance is not a health insurance international coverage. Once people go abroad, their insurance goes beyond the limits of their domestic medical insurance and when this happens, you have to pay with your own money. As you know, the international medical bills may totally be very expensive and you may run short of your travel pocket money for the unexpected sickness. It is always prudent and safe to get an insurance that has international coverage if you are an avid traveler or if your job requires you to travel.

If you plan for a short trip, some insurance companies allow people get a health insurance international coverage for that trip only. This is great for people who plan to go on one specific trip. Sometimes, the trip isn't the determining factor but the time, like if the international coverage will last for a year or so. This is beneficial for people who keep on traveling to different places in a short span of time. Insurance companies have different rates and rules on how insurance policies work and will cover different situations. It's best for people to scout for insurance that offers the most realistic coverage.

A health insurance is a very important thing that shouldn't be skipped. Get a health insurance international coverage before you travel. It is also advisable to get a health insurance before you get sick because it will be difficult to get insurance once you have a medical condition. Insurance companies want to know that the people they are insuring are people who won't give them any loss.

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Travel insurance is something that is totally crucial whenever you go away. Sometimes it is provided for you and sometimes it is not. When you need to go ahead and get your travel insurance you will always need to make sure that you have all of the bases covered so that you do not fall foul of some sort of tragedy that may cripple you financially. Here are the steps to take to get travel insurance online.

The first thing that you need to do is to think about where you are going and for how long and for what purpose. You will need to think about the budget that you have set and what you are willing to pay for.

Next you should test out certain customer service tools that are on different websites. This will help you to determine the quality of the service that any particular website or company will provide. Some companies are now beginning to bring in instant messaging and interactive services that allow you to find out what you want immediately.

Next, select the right type of insurance that you are going to need. Depending on the nature of your trip you may be able to find a niche plan. You need to make this selection when you are getting your quote so that you get an accurate representation of the price.

It is also a good idea to explore different subsidiaries of your current providers of car or health insurance to see if they offer travel insurance as well. This will enable you to find better rates if you mention that you currently hold certain policies through them. These companies appreciate customer loyalty and are likely to offer you better rates than other providers.

It is also a good idea to check out any testimonials and reviews of the company that you are choosing to go with, if not your own insurer or car insurance of anything else whom you will already have a good relationship and experience of. You should try to find those who have run into trouble in certain cases and see how the insurance company helped them out and how they delivered on the coverage that they were being given.

At the end of the day, you will probably have absolutely no use of the insurance but nevertheless it is always essential that you get it for that one eventuality.

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If you're planning a trip away, whether it's for business or for pleasure, you need to be sure that you have the right insurance cover in case anything happens while you are away.

Arranging travel insurance used to be an expensive and frustrating process; however, like many other kinds of insurance, you can get travel insurance quotes, and arrange your coverage all online.

Different holidays and trips will require different kinds of cover. Most websites will have tick boxes or drop down menus for options when it comes to coverage, meaning you can customize your quote completely with nothing more than a few clicks of a mouse!

Your quote will be based on the number of people you require cover for. Many sites will offer free child travel insurance, but there is usually terms and conditions that apply to this free offer, so be sure to find out what you need to qualify for free insurance for your children.

Your quote will also be based on your age, as well as where in the world you are traveling to. Some insurers will not provide insurance for trips to countries that the Foreign and Commonwealth Office have advised against traveling to.

Buy having travel insurance, you can be sure that you and your family will get the cover you need for any accidents or illnesses that may occur on your trip, and will ensure you get the treatment you need, no matter where in the world you are.

You can get additional extras for your insurance, such as baggage cover, and winter sports cover, for those that love to ski and snowboard. If you are backpacking, you will need to mention this in your enquiry, as this requires specialised insurance. You can often get cancellation protection on your holiday down payment, and this extra can also be purchased with some travel insurance providers.

If you think you will only be looking at taking one trip this year, with the family finances being a little tight, then purchase single trip travel insurance. Many sites will provide a discount for purchasing this kind of insurance online, however many online quotes are discounted anyway, making sure you're always getting a great deal online.

Once your travel insurance booking has been organized, your documents will arrive in the post. Be sure to keep these safe, and to read the small print to be completely aware of what you and your family are covered for.

Make sure you speak to your insurer to check exactly what your policy covers.

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The big question is what kind of coverage is provided on your credit card. Some offer basic assistance benefits, while others will build in a medical evacuation program. Remember--the devil is always in the details!

Here are questions to ask about your travel insurance coverage on your credit card.

1. What are the details? Always read the fine print. Remember: The big print giveth and the small print taketh away!

2. Who do I contact if I get sick or injured and need coverage? The last thing you want when you are in need of medical care and/or evacuation is a voice message. You urgently need to speak to a live person who specializes in your concerns, not someone in the company who only knows how to cancel stolen credit cards.

3. Do I know how much coverage I will need? This is vital since credit card companies are not in the international health insurance business. Using a well-known international health insurance brokerage firm that specializes in overseas health insurance plans will give you much needed peace of mind.

4. Who pays for my health-care bills? Ask your credit card company if they pay your bills upfront, or if they will reimburse you later. Remember, the overseas medical staff is not going to wait until your credit card company pays. The evacuation team and the medical staff overseas want their money when service is rendered!

5. Will my credit card company provide me with the best hospitals and doctors? By going with a reputable short-term travel plan you will be routed to the best hospitals/medical facilities available. One international insurance company we work with bypassed a hospital in China and evacuated a patient to Thailand so they could get superior medical care. They did this despite the extra cost to the insurance company. Would your credit card company do this for you?

6. Will I pay a deductible on my credit card benefits? There are plans that have no deductibles and some with deductibles. Our evacuation plans have no deductible or co-pays.

7. Will my pre-existing medical conditions be covered? With travel insurance, the short answer is yes. That's good news for older travelers especially.

8. Will my credit card coverage bring my mortal remains back to the USA and pay for the red tape and government paperwork? Our international health plans do this without a penny out of your loved one's pocket. Most credit card companies, even when they offer it, offer limited medical care and evacuation coverage. Medical evacuation is often capped at $20,000 or less, and medical care is capped at $10,000. Please be aware that medical evacuation costs from Brazil to the Mayo Clinic in Florida are $26,000, and this is not for a major emergency. Another client in 2009 was evacuated from Algeria to Italy for a cost of $82,000. Medical evacuation may not always be this expensive, but we see very few evacuations that are below $20,000.

Peace of mind is what you get when you purchase a travel plan from a brokerage that specializes in overseas health travel insurance. Would you buy a pair of flip-flops to run a 10k marathon? Would you purchase a canoe to get you to the Cayman Islands? Of course not! What you want is the right amount and right type of travel insurance coverage. The last thing you want to worry about is how you are going to pay your medical bills while you are fighting to recover your health.

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Australia is reputed to have one of the strongest beach cultures in the world, but many Australians still choose to travel to Thailand to experience their beaches. Although there have been some suggestions that Thai beaches are not as safe as Australia's, and many tourists suggesting that ordinary travel insurance will not be sufficient, this is largely an exaggeration.

Of course, the main difference is that Thai beaches do not offer the same rolling surf that can be expected in Australia. Instead, you can look forward to peaceful tree-lined tropical beaches, with pure white sand and friendly locals that will make your stay a magical one.

As with all tourist destinations, choosing the top five beaches in Thailand is a near impossible task, but we will try to narrow it down so you can plan your holiday with at least a little more certainty. And you won't have to worry about your travel insurance being in adequate!

Phuket. This is possibly the most famous Thai beach destination for Australians attracting tens of thousands every year. Despite its popularity however it is not the most peaceful destination but it is certainly the most developed. Some tourists appreciate the choice of accommodation and the nightlife but if this is not your scene you can give it a miss. Nevertheless it needs to be included in the top five list because of its reputation and popularity.
Songkhla. This is a virtually unknown beach destination located in the deep south. It consists of a beautiful beach punctuated by rocky outcrops and tropical jungle. And lack of tourists is the main attraction in this area but there is limited accommodation. As far as other attractions are concerned you can visit nearby temples and still enjoy the wonderful food distributed by the many street vendors. If you're looking for peace, serenity and quiet then this is the destination for you.
Lamai Beach. Located just south of Chaweng, this sparsely populated area is attractive to those in the know. It is not quite as remote as Songkhla, and has a much wider choice of accommodation and nightlife. The beach is beautiful and relaxing making Lamai a great choice for those wanting a beach without the crowds, but still with a semi-tourists feel to make your stay a comfortable one.
Maya Bay, Ko Phi Phi Ley.This beautiful beach is often described as the most picturesque in Thailand. Surrounded by limestone cliffs and nestled in a small bay, the beach is the perfect place to completely unwind in natural surroundings. Although it is a little remote, you won't have to worry about your holiday insurance being inadequate!
Ko Chang. A long-time popular destination for backpackers, many other tourists have now joined in the throng of tourists who visit the west side of the island. With beautiful white sand and gentle sloping hills, all set against a backdrop of coconut palms, this is a quiet haven for tourists who are not afraid to get off the beaten track.
So, from the many hundreds of choices, we have narrowed your search down to five Thai beaches any tourist will enjoy.

Thanks To : Travel Tour Guides