How to Take Advantage of Business Travel Insurance

Depending on your kind of business, it may be necessary for you to travel, sometimes even out of the country, particularly if you hold a high position in your company. If you are in such a position, you should make sure that you take advantage of a business travel insurance. Perhaps you may wonder why this is necessary. Let us take a look at some of the benefits you will get.

This type of insurance will be particularly helpful in case you are self-employed. In the unfortunate event that you fall victim to a robbery, you may loose nearly everything you have. If you do not have a business travel insurance, you will be forced to struggle to recover your great loss all by yourself.

There are a number of factors you need to take into consideration before you take your business travel insurance. If you are travelling to another country, you should first of all confirm that the insurance you would like to sign up for is recognized in the country you are going to. If you happen to take a business travel insurance that is not accepted in the country, it will not be of help to you there. There are different policies and it is also important that you take one that really suits you, examples of which are backpacker, specialty, and worldwide policies.

Here are some of the steps that will help you to find a convenient business travel insurance policy.

- In your bid to compare a variety of policies, you should not just focus on their respective costs. Instead, you should determine their various product features, exclusions, and cover benefits.

- Take enough time that will give you the opportunity to cancel the policy you have taken in case you find some problems with it. Your money will be refunded.

- Determine whether an annual or a single business travel insurance is right for you, depending on the frequency of your travels.

- With an annual business travel insurance, even those trips that you take over the weekends will be covered.

- Travel agencies and tour operators usually give their customers some special offers. However, you should first of all determine whether such offers will really benefit your business.

- Make it a habit of carrying a copy of your insurance, including the help line number, but do not carry it in your wallet. Ensure that it is safe.

- You should see to it that your business travel insurance has medical cover. As a whole, you should have a good grasp of the policy you are taking.

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5 Reasons to Get Business Travel Insurance

Whether it is a brief visit to another part of the country or a week long trip abroad, business trips to visit critical clients and other important companies are a vital part of keeping any business running successfully; and for every trip, you’ll need some kind of business travel insurance. If you only have to travel every once in a while, single trip cover may be sufficient, but if you travel many times each year you’ll want to invest in some annual business travel insurance. Either way, there’s no excuse to scrimp: here are five situations when the small cost of insurance could save you a lot of hassle…

The other company cancels the meeting at the last minute…

An ordinary holiday can be cancelled for all kinds of reasons, but for a business trip there are even more factors that can lead to a meeting being cancelled or rescheduled, leaving you or your company to foot a significant cancellation bill. Business travel insurance will cover cancellation as standard, so even if things change at the last minute, your costs will be covered.

You fall on or before the trip…

If you fall ill on or just before a crucial business trip and there is no-one to replace you, the consequences for your company could be catastrophic. Most good business travel insurance packages will cover the cost of replacing you with a work colleague (including their flights and accommodation) so that the trip can be concluded successfully in your absence.

Some vital equipment is lost or stolen…

Whether it is a PDA filled with important information on it or an expensive laptop with a crucial presentation, most business trips can revolve around a vital piece of equipment – if it is lost or stolen, it can hurt your wallet and ruin the business trip. Annual business travel insurance will provide you with year round cover for business equipment that is lost or stolen while you are away (and in most cases, they will pay for a courier delivery of the new item.) Of course, the data may be irreplaceable, so make sure that you back up any critical information on a USB stick.

Business travel is excluded from your existing insurance…

Many people assume that they have cover for business in the annual travel insurance they already have, but this often isn’t the case. Many travel insurance policies are for holidays only and have exclusions for business travel. Read the small print carefully, and make sure you get full travel insurance for business trips if you aren’t covered.

You need to be hospitalised after an accident…

Whether it is just a cracked rib or something much more serious, medical care abroad while you are uninsured is no laughing matter. With so many business trips to America (which can have medical costs running into thousands of pounds) it really pays to have some decent business travel insurance. As outlined above, many standard travel insurance policies exclude business trips, so make sure you get the right kind of cover and avoid the threat of massive medical costs.

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A Beginners Guide to Business Travel Insurance

For business trips, a corporate insurance plan is necessary for those needing something more than standard cover whilst retaining the benefits of a standard travel insurance policy – cancellation, medical, luggage etc

Business travel cover will insure your laptop, mobile phone, palm & other related business equipment & include the hiring of replacement items. This also includes the recreation of business documents lost, damaged or stolen during travel.

3 Key Advantages of Business Travel Insurance

Corporate Travel Cover should add 3 key advantages to the plethora of benefits offered by a standard holiday insurance plan:

Business Equipment Cover
Hire Business Equipment Cover
Recreate Commercial Documents

That is the insurer should pay for accidental loss, theft or damage of equipment (Computer & accessories, other commercial related equipment and business documents).

The insurer should also pay you for the hiring of alternative business equipment in the event of accidental loss, theft or damage to business equipment, including misdirection or delay in transit of said equipment.

With regards to work related documents, the insurer should pay for the re-creation of business documents, plans & presentations if they are lost stolen or damaged.

Question: What if I am going on a combined holiday & work trip? Will a business insurance policy cover me?

Answer: It should. However if you travel regularly throughout the year, you may be interested in purchasing a multi trip insurance plan.

Business Travel Insurance vs Regular Travel Insurance

Remember, with work related travel, lots of wildcard scenario’s can occur.

The other company can cancel the meeting at the last minute. This often leaves the travelling company to foot the bill, however this would be covered by standard trip cancellation.

Other incidents can befall a business traveler: general illness, business critical equipment can be stolen, lost or damaged. These factors are all things to consider when booking a business trip.

With regards to the value of your equipment, business trip insurance will provide far more cover than a regular travel insurance policy.

While a regular holiday insurance policy will provide coverage for lost, stolen or damaged luggage, this is not the same as the specific cover for business related equipment.

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The Importance of Business Travel Insurance

Business trips to other countries are really important and this is because they keep a business operating. Some business trips last no longer than a couple of days and sometimes they involve being away for a very long time. The fact of the matter is that regardless of the amount of time that a business person is away it should always be a case of purchasing insurance. The type of insurance that is purchased is largely dependent on the frequency of travel. If your business requires that you travel infrequently then it is wise to purchase single trip travel insurance, as and when is appropriate. If business trips are frequent however it is far more cost effective to purchase annual business travel insurance. Below is information on how getting insurance could make all the difference.

There are differences in the reason between why a normal holiday may be cancelled, and why a business trip may be cancelled. With business trips there are a greater amount of factors that can relate to trip cancellation. Should such cancellation occur then it can well lead to a business becoming traumatised. Business travel insurance covers cancellation as standard.

A company that you work for is going to be kicking itself in the corporation if you fall ill when you are meant to be going on a business trip, as their representative, and main man. A good business travel insurance policy will cover the cost of being replaced with a colleague and this is generally inclusive of the cost of accommodation as well as flights.

If a person on a business trip has a PDA or a laptop with them then it is a guarantee that there will be information on that gadget that is wholly relative to the business meeting that they are attending. If this piece of equipment ends up lost or stolen then this can prove a problem. The important information is gone and that will have to be dealt with. The equipment will be replaced though if sufficient business travel insurance is in place. There is every chance that the important data is backed up though, isn’t there?

Never even consider for a single second, joining the queue of people that thought it logical to assume that business travel insurance was just another way of saying travel insurance. So many people have been caught out in this way and the reason why business travel insurance exists is because it is the bespoke insurance that you need if you are going on a business trip. That suit isn’t making you infallible, right? You got that? It is just as much likely that you will have an injury on a business trip as you will on any other type of trip. A lot of business trips are transcontinental and the Americans have got some real pricing issues when it comes to medicine. Try £25,000 for a broken leg being mended: and that’s without the crutches! If you do not have business travel insurance then you could be footing the bill for that broken foot.

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Importance of Business Travel Insurance

Traveling is section of our day-to-day life. Most of us travel because of a single reason or other allowing it to be national or overseas. Traveling always involves probability. So, whether you traveling for pleasure or enterprise, it always safe going with proper travel insurance coverage. If your are appropriately insured, there is a lot worry about the risks associated with traveling like loss regarding luggage or baggage, flight journey delay, accident, medical unexpected emergency or evacuation.

Formerly, Travel Insurance was thought to be a luxury. But now travelers are sensitive to factors that are definitely not under their control for instance trip cancellation, medical unexpected emergency, evacuation, flight delay, losing baggage etc.

There are numerous kinds of insurance insurance policies. Travel Insurances comes looking at you in different shapes like Travel Medical care insurance, Travel Medical Insurance, Holiday Insurance etc. Whether it an enterprise or leisure trip, proper insurance is essential because of many motives. It protects your go investment, belongings and health and fitness. You can hold take a trip insurance for personal and business purpose it is usually true that a right insurance makes ones trip memorable.

Apart coming from personal insurance, Business Travel Insurance also covers computers and also other business equipment of marketers or travelers who travel for your business purpose. Business Tour Insurance makes perfect sense it is always a policy or contract under that the insurance company agrees to pay a amount of cash to the insured to get a damage or loss or injury by means of some uncertain event in the course of his trip. This range from flight delay, baggage damage, medical emergency, accident or perhaps disasters. Under a Internet business tour insurance contract, the insurer pays pertaining to business loss or damage faced by insured during his visit.

Many things can make a mistake during your business journey. This can be a person’s baggage loss or a new flight cancellation, or your destination become unreachable because of bad weather, or even you are able to fall ill and ought to postpone the trip. You can not control such events, but through proper Business Travel Insurance cover, you can minimize the outcome. Whether it is usually a small enterprise or a sizable corporation, the success of your business is largely dependent on the dedication and effort of the members of their organization. But it doesn’t matter how industrious you might be, because one disaster or perhaps catastrophe can destroy your online business and wipe out each of the profits. The only way to assure that the effort and money that you just invested doesn’t fade away each time a disaster smacks is by protecting your organization with appropriate insurance.

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Adventure Travel An Exciting And Enthralling Experience

You often hear people talking about adventure travel and that makes you wonder as to what adventure travel actually is. It is something by which u can add adventure and fun to your life. So before going for an adventure travel, you must know what it is. Adventure travel doesn’t mean that you have to endanger your life for your trip to be called adventurous!

The term adventurous is a concept that is not defined physically when you talk about adventure travel. This concept is defined psychologically. Different people have different definitions of adventure. Earlier adventure travel meant going abroad or just traveling to different places. However, its definition has changed today. Adventure travel is when you experience an event rather than being a mere spectator in your travels. It is actually living in the present and experiencing the place and not just sight seeing.

Adventure is different for everyone. What may appear adventurous to you could be totally boring for someone. And that is reason that there are so many options available if you want to go for adventure travel. You can choose the one which suits you, and more importantly the one which excites you! White water rafting or kayaking can be fun for someone. On the other hand camping in an interesting place can de defined as adventurous by some people. Hot air balloon ride may sound boring to you but it can be the perfect adventure travel for some.

Adventure travel is when you get yourself involved in an enthralling experience. It includes boating, kayaking, hiking, sky diving, mountain climbing, scuba diving, sailing, bicycling and much more! You should not indulge yourself into any form of adventure travel in which you are not comfortable. The level of risk in your travel is defined by you just like term adventure is defined individually. Adventure travel is getting yourself engaged into a new experience but make sure that you are totally comfortable in what you are doing.

You can choose a tour if you wish to go for adventure travel. Such adventure travel tours are available for couples and families. But don’t worry in case you are single, adventure tours are also available for you. So you can make a plan for an adventure tour. You can choose a tour which suits you best. These tours usually have two groups of people. One group goes on sight seeing and visits their areas of interest, whereas the other group involves itself in adventurous activities. Of course the type of activity depends on the tour which you have selected.

It is a misconception that adventure travel is only for the younger people. You can indulge yourself into it irrespective of your age. Adventure travel is enjoyed by one and all. It’s not uncommon to see an old couple getting engaged in adventurous activities. Having worked hard throughout their life, they want o experience something new and enthralling. You can meet people from all quarters of life in adventure travel. Now, meeting different people from different backgrounds can itself be very adventurous!

You can choose an adventure travel which excites you. It can simply be going out of the country to some distant place or maybe engaging yourself in bunjee jumping. Whichever activity you choose, just make sure that you are comfortable in it, for there will be no fun and no adventure if you are not comfortable!

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10 Tips For European Travel Planning

1. Keep your money safe – Certain parts of Europe are known for their thieves and pick-pockets that target tourists. Consider bringing along a money belt which you can fasten beneath your clothing to keep your money safe. You should also budget accordingly so you never carry more cash than you need in a single day.

2. Create an itinerary – Leave it with friends and family members back home. It should list your flight information, the address and phone numbers of the hotels or hostels you’ll be staying at, and your travel plans once you’re in Europe.

3. Compile contact information – This includes all important phone numbers such as your credit card companies and where you’ll be staying throughout the trip. In the event you needed to report a lost credit card or call your hotel in advance, you have the information you need.

4. Plan how you will travel within Europe – If you’ll be traveling between various European countries, you may find flying point-to-point saves you time and money. If you’ll be traveling within a specific country or region, traveling by train may be more practical.

5. Know common words and phrases of the language – Knowing a few simple words such as “train” and “bathroom” may be all you need to get around. Also, in many places if you simply say “English” you can find natives who speak English.

6. Make and confirm all your lodging reservations – When making reservations, make sure you include all key information in your reservation requests including the type of room you want, how many nights you’ll be staying, and any special requests you may have. A few days before your scheduled departure, call ahead to confirm your reservations.

7. Know the weather – What’s the seasonal climate like where you will be traveling? Make sure you pack accordingly and consider packing in layers so you can easily dress according to the weather once you’re there.

8. Know the U.S. Embassies – If your passport is lost or stolen, you’ll need to get a new one through the U.S. Embassy so make sure you know where it is located in each country you will be visiting.

9.Do your homework – If you don’t have much time and you’re not sure which cities and sites you should visit, read up on your destination online. Reviews written by other travelers can be a valuable source for your European travel planning.

10. Create a route and time-line – Determine a logical geographical order of the places you will visit and when to ensure you make the most of your time in Europe.

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Adventure Travel Agents Provide Great Benefits For Your Adventure Travel

Adventure travel agents make any travel possible and help you to enjoy your travel even more. Traveling is a way of exploring and experiencing what a particular place can offer, and all the things that can be really adventurous. However, travel will not be successful without adventure travel agents.

Planning to have an adventure travel can be confusing and time consuming. That’s why it is important to hire a travel agent. Looking for an expert agent that specializes in adventure travel is important for the success of your travel. They are the ones who will help you in making your plan for your adventure. The agent will not only arrange the various means of transportation but they may be able also to let you save money with special fares, early bookings, accommodation deals, and travel advisories. Not only that, there are also great benefits that you can get when you use a travel agent such as:

* Save Money- agents will really get great savings. With the strong relationships of the travel suppliers and the advancement in technology for computer reservations allow travel agents to access the most up-to-date details on how to get you the best deals and value.

* Travelers Advocate- your best interests are their priority. There are societies of travel agents in America that have a long-standing record on fighting for their clients’ rights, and every travel agent is required to stick to the strict Code of Ethics.

* Convenience- adventure travel agents really provide convenience for their customers. They are the ones that will provide all the things that you need for your travel. They mostly offer one-stop shopping travel arrangements.

* Great Service- agents are knowledgeable and active in their service. The travel agents are well educated and trained in order for them to offer the highest quality of service to the costumer.

With these benefits, your adventure will definitely be exciting and successful. Your personal agent will really work for you and will do everything just to provide you with your travel needs. An adventure travel agent is absolutely the best travel partner that you can have.

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Top 5 Risks Travellers Face in Adventure Travel

Sun basking on the beach with glass of cocktail in the hand may not be an ideal holiday style for everybody, thus a new form of holidaying – adventure sports holidays or adventure travel has become really popular. Adventure sports holidays are where travellers get an opportunity to try their hands at adrenal gushing and challenging activities such as mountain climbing, exploring caves, mountain biking, rafting, bungee jumping etc.

Because of its popularity, adventure travel coupled with adventure sports has become a part of the itinerary of almost all camping sites, resorts and hotels around the world that wish to provide their clients with something extra to do on their stay with there. Inclusion of adventure sports surely adds excitement and thrill to a traveller’s halt, but this comes with potential dangers which loom high on personal safety.

Top five risks involved in adventure travel are listed below:

1. All adventure activities and sports include dedicated gear, which is vital and should be used at all time while carrying out an activity. The gear is properly tested before use and almost all activities are carried out in a close observation of an instructor, whose main motive is to maintain your safety and make sure you adhere to all the safety requirements, but there can be a small chance that the safety equipment may fail. Therefore, safety is always an issue with adventure activities.

2. Mountain climbing can be a risky affair because as you travel uphill, the density of the oxygen in the air keeps decreasing which makes breathing difficult. If first aid is not administered, this can lead to chest pain and acute headaches, which if untreated, can lead to heart attack.

3. Mountain biking can be fun until cyclists try to do a little extra. Mountain bikers are at a risk of altitude sickness (as discussed in risk of mountain climbing above) and are also very prone to accidents because of the rough terrains selected for biking.

4. When you hit the water in a raft, you are always wearing a life jacket and are accompanied by an instructor. But the river current can flip you off the boat. Thus, while rafting you’re always at the risk of drowning or injuring yourself in the water.

5. Caving or cave exploration is one of the most thrilling adventure activities. Activity depends on the cave and how travellers negotiate squeezes, pitches, waters and rocks. Though caving has become safer with safety equipment but still travellers and adventurers are at risk of falling rocks, floods, falling, hypothermia and fatigue.

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Top Adventure Travel Companies In The World

Here are few best adventure travel organizations that provide a discriminating and interesting range of adventurous traveling plans. Hiking the Inca Trail, biking in Morocco and rafting through Grand Canyon are simply the shortest sample of experiences these organizations could provide customers. All their sites list specific adventurous trips, with elaborated travel plans, cost and pictures.

Gap adventures:

This company provides a choice of about 1,200 adventurous trip plans to all 7 continents. To find some discount rates on fascinating tours check out their “Specials” section.

Geographic Expeditions Adventure tours:

This company provides the portfolio of land trips, walks, treks and military ocean trips to the most impressive places in the world, ranging right from travels in Nepal, China and Vietnam to Ghana and Mongolia.

Austin-Lehman adventurous trips:

If you are anticipating adventurous traveling trips that children of all ages could enjoy, or tours only for you or for adolescents, consider this company. Austin-Lehman offers the hike, bike, paddle, climb, ride and Multi-Sport tours– visit such beautiful destination such as Costa Rica, Alaska, Mexico, Bryce, Canada, Yosemite National Parks and Zion.

International Expeditions:

This company provides nature-tours and eco trips to different places comprising the Egypt, Amazon, India, Galapagos and Kenya. International Expeditions provides deep itineraries planned to explore the region’s mortal of the country.

Intrepid Travel:

This is the niche adventure travel company which concentrates on taking customers out-of-the-way track to about ninety place over the world. On this typical tour you could trip in paths similar to localized people, respecting the environment and the culture. This travel tour operator company takes generally public transport, stay and dines in small local-owned organizations.

Small adventurous trips with classic journeys:

This company is specializes in small-group, boutique and soft adventurous trip. Classic journeys functions 3 types of tours: family journeying, cultural walking adventures and culinary trips.

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