Are you a frequent traveler? Do you go on regular trips outside the country? Then you definitely should consider getting multi-.

Multi- provides you with the peace of mind and assurance you need when traveling. Buying a multi-trip insurance policy is a necessity – especially if you frequently travel to foreign countries – since dangers and mishaps can change dramatically in every place you go to.

Multi-trip insurance is essentially a travel insurance policy that is specially designed to cover several trips or, in the case of annual plans, all trips taken within one year with a maximum length of 30 to 120 days for each trip. This type of travel insurance also provides coverage against a lot of misfortunes you may encounter when traveling, including medical emergencies, trip cancellations and delays, damage on or loss of personal property and others.

Why buy multi-? If you really want to enjoy and make the most out of your trip, whether for business or pleasure, you want assurance that whatever unexpected circumstance happens, you will be well taken care of and compensated. You need multi- if you are a recurrent business traveler or you frequently go on trips abroad.

There are a variety of plans available depending on your need. Assess first your needs and choose a multi- plan according to your requirements. You can get either full or partial insurance coverage. For your ease and convenience, you can also gather more information on the Internet. There are a number of sites that offer information as well as quotation services. Take your time when looking around and checking out multi- policies so you can choose the best possible policy that is appropriate to your requirements and budget. You can also learn more about multi- policies from your preferred insurance companies.

Multi- – Options to Consider

Most travellers make sure they buy travel insurance before they go away but this can be a real hassle for the person who travels frequently. To meet their needs insurance providers now offer multi-. If you are in this category of frequent traveller, this is the policy for you.

For peace of mind and assurance this type of travel policy is the answer and should be thought of as a necessity and not just a luxury. Unforeseen mishaps can happen anyway and just as easily when you are outside your own country. There are many people who have experienced nothing more than a small trip resulting in a broken bone or an apparent minor car accident whilst abroad who have found themselves facing massive medical and legal bills. With insurance they experience few problems, but without it they face untold difficulties, both financial and legal.

Multi- is designed for travellers so that all of their trips are covered throughout the year. This avoids the need to buy a policy before each trip. Not only is it much simpler handling the renewal just once a year, but it guarantees that you will never forget to arrange cover whilst you are away. Policies do have a trip limit however, which restricts you to maybe 30 or 60 days for each period out of the country. This can often be extended by arrangement with the insurer if required.

Be aware of what sort of coverage you are buying as policies will generally cover trip delays, medical emergencies, loss or damage to baggage and personal belongings, plus a variety of other events, but will not include as standard other coverage that you may require, such as winter sports cover. Be careful to also check that the financial limits that apply to each type of risk are sufficient for you and that the excess, or deductible, that applies to any claim is okay. Generally the lower the excess on the policy the more the policy will cost.

There are many different types of multi-. There are individual policies, student or backpacker policies as well as family policies that will cover husband, wife and children on the same policy. Before buying look carefully at what you own requirements might be, where you are likely to be travelling to in the forthcoming year and then select a plan that matches those requirements. Compare several policies before committing yourself. You may choose to do the research all yourself, perhaps online, or you may use the services of an insurance agent or broker. Either way, with a clear idea of what you are looking for you will be able to find a good policy at a price that is right for you.

Why then should you purchase multi-? Most importantly, if you want a relaxing and enjoyable trip without constantly worrying about finding insurance in time, this type of insurance is exactly what you should have. Wherever you are going, whether for pleasure or business, you will know that you are prepared for unforeseen difficulties or events.

Confused With All the Travel Information on the Internet?

There is so much information available on the internet right now regarding travel. There are online travel sites for cruises, hotels, air, trains and any other type of travel. But what is the correct product for you? Is the location of the hotel where you want to be? Is the type of room or cabin the right fit for you? Is that cruise line the one you should be booking? Not all products are created equal nor are the products right for everyone. How do you tell? Contact a travel professional.

Do travel agents exist?

There have been multiple articles, and even the President of the United States, has said travel agents don’t exist or are going away. In a way they are right. Travel agents in the past were just someone who booked a trip for someone who called or came in to the storefront office of a travel agency. Storefront travel agencies are few and far between now a days as most of the “travel agents” have gone home to work. Even the term “travel agent” is going away because what they do now is different than what they did before.

Travel Professionals/Travel Counselors

Travel Agents are now more a counselor and an adviser so they are now called Travel Professionals or Travel Counselor. Even the travel industry is trying to get away from using the term “travel agent”. They no longer just book a trip for someone, they know more than what is available to the traveling client. The travel professionals now are constantly learning, constantly traveling, receiving input from other travel professionals about where they have traveled and are a resource for what is required to travel now a days.

When you use an online travel agency like Expedia, Travelocity, etc. you aren’t able to have someone protect your back. They book the travel for you and then you are pretty much on your own. Say your flight gets cancelled, who is going to book a replacement flight? You are, not them. If you use a travel professional that travel professional will do it. If something goes wrong on your trip, if the room you booked is not like what you thought it would be, who is going to make it right? A travel professional will also check constantly for price drops before final payment and whether a new promotion offered would be more beneficial than what was booked with a deposit. All these things can be addressed before final payment.

A travel professional works with you from the time you first talk to them until you are home safe and sound and any and all problems have been solved or addressed.

It Costs More to Use a Travel Professional

This is not always true. True, some travel professionals charge fees but not all of them do. This is because some vendors, like airlines and some hotels, don’t pay commission or some of the vendors have decreased the amount of commissions paid to the travel professional. In order to make ends meet, some travel professionals charge fees. I charge $50 per person for airline reservations domestically and $100 for airline reservations internationally. I will also charge a fee sometimes for hotels for the same reason or if I am putting the various sections of the trip together myself. If I book a cruise or a tour, I don’t charge a fee as the vendor pays me a commission. Remember, whether you use a travel professional or not the commission is still being paid as it is automatically included in the price from the vendor. So, why not use a travel professional and avoid the hassle and save your time?

The rules for traveling are constantly changing and it is the travel professional who is able to keep their clients on track with them.

Examples: Passports

For instance, did you know that come January, 2016 you may need a passport to travel by air domestically? This is due to a law called the REAL ID Act. This requires all travelers to have a REAL ID compliant identification that includes all of these fields: full legal name, signature, date of birth, gender, unique identifying number, a principal residence address and a front-facing photograph of the applicant. Unfortunately there are still a handful of states that are non-compliant. Do you know which states are compliant and which aren’t? Your travel professional does. By the way, outright non-compliant states/territories are American Samoa, Louisiana and New Hampshire. The states of Minnesota and New York offer an optional Enhanced ID at a cost, so because it is optional, a large percentage of residents don’t have one. Some states have applied for additional extensions, but it is unclear if those will be granted. Currently, only four states (Louisiana, Minnesota, New Hampshire and New York) and American Samoa are technically non-compliant.

Also, we still don’t know if January 1, 2016 will be the date of the requirement or will it be later? Because of this law, the passport processing time for all will be affected. All the passports issued in 2006 to meet the Western Hemisphere Travel Initiative that went into effect in 2007 are now expiring, causing a slew of renewals. So, because of those renewals coupled with the possible REAL ID enforcement, passport waits are expected to further increase. As of October 11, the current wait has already increased a week to four to six weeks for standard passports and three weeks for expedited. Expedited in person could be up to eight days based on travel need.

Ultimately the REAL ID Act will require all state-issued drivers’ licenses to include “machine-readable technology” or chips to help keep us safe and secure while traveling. For more information on the REAL ID Act go to

Also, passports are recommended for cruises just like they are required to fly outside of the United States. The reason being is if you do need to fly back to the United States from a foreign port you have a passport to do so. Just because you are on a cruise leaving a United States port, technically you are traveling internationally just as soon as you step on the ship as most ships are registered outside of the United States!

Example: Visas

A travel professional would be able to help you determine if visas are required to travel to where you want to go. If they don’t know for sure, they know where to send you for that information and get confirmation that you do or don’t need one for the type of travel you are taking. For instance, for most cruises if you leave an U.S. port and return to the same U.S. port you probably don’t need a visa to visit the ports. This is called a “closed loop” trip. But, again, most of the cruises. Always double check to see if one is needed.

Example: Travel Insurance

Again, not all travel insurance is created equal. Should you purchase travel insurance? Absolutely!!! I recommend to my clients not to purchase travel insurance, for the most part, from the supplier of the cruise or product. The reason being the coverage is not as comprehensive as third party policies. Travel insurance is not only purchased for travel delays, luggage lost/damage or cancellation protection. Some health insurance companies do not cover you when traveling outside of the United States. Medicare does not. Travel insurance will act as your primary health insurance during your travel, from the time you leave to the time you return to your home. Also, it provides emergency evacuation for health reasons and protects you for other items. Always read the policy and information provided by the issuer of the travel insurance to see what is covered. Your travel professional will know which is a good travel insurance issuer.

How to Find Cheap Hotel Deals Using Hotel Price Comparison Websites

You’re excited. You have finally decided that your funds are going to allow you and your family to take a trip somewhere. The destination has been decided and it seems like the perfect time to begin planning for the trip. One of the steps that needs to be taken when planning a trip is to book the hotel room at your desired destination. It makes sense to try to save money whenever possible because traveling can be quite expensive and who doesn’t want to save a few dollars that can be used for things that are more fun? This is where hotel price comparison websites can be valuable for you and save you a lot of time when it comes to planning your trip.

Benefits of Hotel Price Comparison Websites

Hotel price comparison websites are not difficult at all to use. All you need to do is to have a few pieces of information about your trip handy and you can get the rates for hotels all over. You will find rates for the big names as well as smaller hotels which you may or may not have ever heard about. Overall, the more results you have the better deal you will get because everything is analyzed and looked over instead of a few choice big names.

Information Needed to Get the Best Deal

First, you need to know the city that you are looking for when you want to choose your hotel. The location is the most important piece of information you need to have. If you get rates that don’t seem very appealing, especially when it comes to cities that are popular for tourism, you may want to try nearby cities if you don’t mind a small commute to your destination. This is a way you can potentially save a few hundred dollars over the course of your stay.

Next, the dates that you intend to check in and out will help to determine your rate. Many hotels give different rates depending on the days that you will be staying. The off season rates are generally cheaper and checking in during the week instead of during the weekends is another way to save some money if you are flexible when it comes to the dates of travel. The last piece of information that impacts the rate quote you are going to be given is the number of rooms you need and how many guests will be traveling. You may receive a discount for booking multiple rooms at some of the hotels that are searched.

Features of Hotel Price Comparison Websites

When choosing which hotel price comparison website to use you may want to ensure that there are a few different ways to search. Flexibility here can make finding the perfect hotel that much easier. Some websites allow you to search by city only while you may also want to find rates for a specific hotel or chain of hotels. The option to be able to do this on a site is very valuable because it fits to the needs of the consumer.

Multi- – A Must For Frequent Travelers

Are you the type of traveler that frequently flies to different locations to attend to your business negotiations and transactions?

If so, it would be best to get a multi-. As the name goes, it is rather self-explanatory. Business trips are not the only things it is useful for. It is also advantageous when you are planning to have numerous holiday trips. Basically, if you are intending to travel several times in a year, a multi- will provide the insurance coverage that you might need in your travels for the whole year.

Multi-trip insurance is also referred to as annual travel insurance and having this policy can potentially make you save lots of money. Unsurprisingly, it is more expensive than the single-. However, if you do the math, getting a single-trip insurance for every one of your travels will cost you dearly. Additionally, multi-trip insurance basic plans are adequate enough to grant far-reaching medical coverage.

One of the best things about multi- is the convenience it provides. All you need to do is to pack your things, get your gears ready, and go on your journey. There is no need to get in touch with your provider every time travel. Normally, all your travels, in a span of a year, right after you apply for the policy are covered.

Multi-trip basic packages usually include insurance coverage for children that you bring with you in your vacations. It’s not only you, your family can benefit from it as well. And if you are the active kind, the coverage for sporting activities is also sufficient. Other add-ons can also be availed if there are other activities you intend to do that are not covered by default.

Options for cover durations should be decided clearly. You can opt to have various durations of cover. Therefore, you should know the extent of your stay in a single destination place to avoid any problems. In any kind of insurance policy, reading and understanding the terms and conditions should always be the main focus. Transfer of cover to another individual is also allowed. So if your holiday is cut short or if you have to cancel your travels, you can have that option, so that your insurance is maximized.

Nevertheless, multi-trip or not, you should get an insurance plan that is fitting to your type and frequency of travel. True, multi- can provide you with security and convenience but it will be put to waste if it is not apt to your kind of traveling activities. It is wasted even more if you fail to travel at all.

Yet, if you are certain that you will do frequent flying and plan to hop from location to location in a span of a year, multi-trip insurance will certainly save you tons of money, give you lots of convenience, provide peace of mind, and secure you in your travels!