Understanding the Importance of Travel Insurance

blythdirect.info1Travel insurance is one of the key things you should never forget whenever you plan for a holiday trip outside the country or an inside the country vacation. It is one of the essential things needed if you want to be covered in medical and other financial expenses you may incur during your travel. Most of the time, travel insurance can be arranged with your travel agent, and it can cover you up until the trip is over and you return to your place of origin. Most of the time, travel agents offer insurance as part of their travel packages, but considering some important facts in procuring a travel insurance, it is more practical to do it on your own than have your travel agent include it in your travel package if you want to have a more comprehensive and better travel insurance coverage worth the money you paid.

There are several travel insurance coverage you can choose from, depending on the frequency of traveling you do annually, and you can choose to either opt for a single trip or multi trip insurance coverage. If your travel plan only includes one trip outside or within the country, you can choose the single trip travel insurance policy, but if you are planning to take several trips within the year, it is more practical as it is cheap obtaining multi trip insurance than having single trip insurance every time you travel. This can also save you time from repetitive insurance application every time you are having a trip.

A multi trip insurance coverage is more often referred to as annual insurance policy and having it can significantly save you money in the process. When you are making plans for acquiring travel insurance, you have to be very precise with regards to the provisions that are inclusive in the policy and the conditions that are excluded by the insurance provider. Although a full coverage sometimes can be the best and practical option for most coverage, you can actually choose the items covered which you want to be included in your policy if you want to have a cheaper travel insurance premium. Sometimes, a cheap policy does not necessarily mean that it doesn’t have excellent coverage. You only have to have to determine the type of coverage you think you may need and this can significantly lighten the premiums you have to pay on your provider.

Typical services offered by travel insurance providers are, emergency repatriation and/or evacuation, medical expenses incurred while traveling, personal accident cover, travel cancellation and restriction, delay, theft, loss or damage of properties while on the trip, like personal baggage, coverage for missed connection for those taking connecting flights, and personal liability coverage.

Understanding the concept and the importance is in fact, relatively easy. You purchase insurance for an established provider and in return, they can provide you cover, should an event like accidents, loss of personal properties, or other unanticipated things happen while you are on a trip.

Please visit travel insurance for more detailed information regarding the benefits of travel accident insurance and other related coverage.

Article Source: http://EzineArticles.com/expert/Scott_J_Thomas/452616

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Costa Rica Snorkeling

blythdirect.info2Well my new favorite hobby here in Costa Rica is snorkeling and before you say oh geez what a tame hobby let me add a little color. Snorkeling in Costa Rica is not just about putting on some mask and fins and looking around. Not with the guys I go with. These Costa Rica men were raised in this area and they can go out with nothing but a stick and come home with enough food to feed their families for a week. It is quite exciting actually. I went with a guy the other day whose nickname is “Chino” right at the end of Playa Conchal and all was smooth and peaceful until I saw him dive down 15 feet to the bottom. Suddenly there was this amazing tempest and flurry of activity and a storm of sand and didn’t Chino come up with a handful of writhing and quite frightening octopus. The thing was truly fighting mad and a scary wonder to behold. I did eat some and will mention that it was pretty tough but I haven’t quite gotten around to getting the recipes from the “Ticos” yet. Probably ceviche. They turn everything here into ceviche.

Another Costa Rica Snorkeling adventure we had was at Playa Minas a few beaches south of Playa Conchal and is a well hidden and beautiful virgin beach that at one time contained bauxite mines at each end of the beach. The old rails leading into the man-made caverns are still visible and quite interesting as a conversation piece. Any way we set out with our snorkeling gear and spear guns on this day departing right from the middle of the beach and straight out. It was a wondrous day for underwater sightseeing but not much in the way of underwater spear fishing. First off was a giant turtle which I will mention is much more elegant and agile while swimming underwater than how we normally see them ponderously trudging up the beach to lay their eggs. Playa Minas is a big turtle beach by the way.

Anyway shortly into the swim I began to notice what I thought were cloud shadows on the ocean floor and saw a few dozen of these before we realized they were a huge assortment of giant manta rays partially buried into the ocean floor. I will mention that this was right at the time the famous nature adventure guy got zapped through the heart by one of these creatures. Of course he went too far with it clearly. We were wise enough to steer clear but seeing these ten foot wide atavistic shadows on the ocean floor 10-15 feet beneath us was the thing of nightmares, but exciting in its own right.

So the local Costa Rica skin divers have become friends thanks to generous numbers of beers at the illegal little beach bar in front of the Playa Conchal resort where the guys sell all manner of mysterious sea creatures destined for Dennis’ wood grill. They are beginning to train me in the finer arts of snorkeling in Costa Rica like mainly where to find the good stuff. Those locations for security reasons I am afraid must remain nameless.

Get the Most Out of Your Travel Agent

Travel AgentBooking air travel, making hotel reservations and arranging vacation travel in general has changed completely with the advent of the internet and many people try to be their own travel agents. While you can arrange seemingly most of your travel yourself, you can’t do as well as your travel agent in a long run!

Travel processionals, whether your local travel agent, tour operator or destination specialist still possess contacts that you as an industry outsider do not have. As in number of other professions, travel agents, whether in a shopping center near your home or an online agency, wherever they may be located, do know something you do not, have way to book and arrange travel for you in ways unavailable or unknown to you.

Traditionally you could contact a travel agent and ask for a quote, whether a price of an air ticket, hotel or a vacation package. For the most part travel agents still provide that kind of information, although there is a limit how much information they may disclose as not all information is readily available to them.

First of all, most travel agents indeed may have at their fingertips routine cost of air ticketing, hotel rates or certain vacation packages available and will be happy to provide the price information to you instantly when asked. But once your travel request will need to be somewhat customized, whether tailored to your dates of travel or your other travel preferences, to find a relevant answer will be time consuming. Because of this time element involved, do not automatically assume an agency is keen to spend the time to furnish the information you seek when there is no commitment you will travel at all.

Look at the situations from the following perspective. In the old days if you had a problem with your car, you’d drive it to your neighborhood car mechanic and asked him to see what was wrong with it. You would drop the car off at the garage, the mechanic would have a look and tell you what the problem was. He would also give you an estimate and it was up to you to decide if you wanted him to fix it right then and there, wait or seek another opinion and another quote. His services cost you nothing.

But not anymore. These days, no garage, no car repair mechanic is willing to spend time trying to find out what’s the problem with your vehicle without charging you at least one hour labor upfront. Pay and he will look and tell you. Up to you if you will decide to take your car to another shop or have him fix it, he has covered his time spent diagnosing what’s wrong with your car.

Similarly, many travel agencies and professional travel planners and tour operators will charge you an upfront travel planning fee if you are requesting travel arrangements that first of all are time consuming, or there is no guarantee you will book anything. All you are after are essentially private tailor-made travel arrangement s and there are no simple answers or options to give you, and the only way to find out will be for the agent to dig and consult all sorts of different sources he has at this disposal and then present the travel alternatives to you for you to decide upon.

When working with a travel agent, travel planner or any other travel professional such as a knowledgeable destination specialist, keep in mind that a certain protocol will assure you will get not only the kind of travel arrangements you want in general but also you’ll gain a true partner that will always work in your best interest whether you’ll travel away from home on business or for pleasure.

1. First of all, when contacting a travel agent, whether in person or online, don’t hesitate to give them your name – don’t worry, most agents won’t spam you back. Without your name when you’re asking for a valuable travel advice most agents won’t take your request too seriously. Call if you wish but most agents prefer not to take notes, email is a way to go and for an agent to look up a fare often a time means he has to plug in a name, so might as well that name will be your real name. If you decide not to accept the booking the reservation will expire and no harm done. If you decide later to purchase the reservation the agent does not have to rekey it into the system all over again.

2. If you’re trying to be you own travel agent, even in part, say you plan to book your own hotels online, disclose it to the agent your are contacting for assistance, he/she may still be interested to help you with the rest of your travel arrangements. Don’t hide your intentions from the agent as agents don’t like to be used for information gathering purposes only.

3. If at all possible, always contact your travel agent or destination specialist as soon as you know when and where you wish to travel, not last minute before your intended departure. That is even more important when you’re planning a trip to a lesser frequented destination.

4. Don’t book your flights and hotels online and ask a travel agent to do the rest, namely the difficult parts, such as complex transportation connections, travel arrangements in remote locations or to book segments that you just feel are not safe for you to book online yourself. Give your agent to design and book your entire trip for you. The worst you can do is design your own vacation package, then copy and email the same request to dozen different agents to see who may be the lowest bidder. Yes, the internet is perfect for that kind of information gathering but look at this from a perspective of a travel agent. If he/she knows you are sending the same request to dozen agents many of them will not be too interested in dealing with you. Then again, telling them the truth they will appreciate knowing what you are doing and approach the whole thing quite differently and in the end they just might offer you a deal.

5. If you’re after booking shoe-string cost of travel, for example wishing to book the lowest type of accommodations, best be your own travel agent. Do realize that agents can’t book services that are simply too cheap to begin with, not to mention that that kind of suppliers do not pay agent s any kind of commission. The agent may still help you but keep in mind he will be doing you a favor and will be working for you at no charge. If so, appreciate it, email your thank you.

Do realize that to ask an agent million questions, get all the answers, including time consuming quotes, only for you to never replay again is definitely rude and turns agents off completely. If you are polite and respectful many will often work without any commitment on your part, providing you with information you need, working for free. But because of those that just siphon info out of agents so they could possibly book travel on their own leaves not only a sour taste in agent’s mouth but certainly induces the decision to charge au upfront planning fees when a next inquiry comes.

6. On another hand, when it comes to upper end accommodations keep in mind these hotels routinely offer discounts to agents that agents can markup and still offer you room costs below hotel rack rates. Genuine agent is not interested in selling you a higher end hotel in order to make a higher commission but to tailor in a better trip experience for you where he deems it desirable.

7. Keep in mind that there is a difference between a travel agent and a so called Destination Specialist. Most travel agents use online reservation systems to book transportation, hotel and vacation packages. They essentially book or resell ready-to-sell travel offers from a variety of suppliers that do not require more than filling in your name and dates of travel. When it comes to you needing customized arrangements, they will need to contact tour operators and destination specialists that are either part of their consortium or a network they belong to. Depending on the connections they have they will or will not be able to help you.

8. Destination Specialists pride themselves in really knowing their destinations. Many of them have indeed not only traveled extensively but know a particular destination inside-out so they can arrange travel logistics for you based on knowing, rather than looking it up in a brochure or some kind of data base. Many Destination Specialists specialize in difficult, custom designed itineraries and do not sell travel packages. Often a time though not always that kind of service reflects higher markup.

9. Last, please note that many destination specialists as well as travel agents work 110 or more hours per week because especially custom-design travel is indeed very time consuming. Being good at travel logistics does take experience and while with the internet it seems second nature to be able to arrange travel on your own, many travel professional are indeed very good at what they do! They do know more about travel than you, give them a chance, they can save you not only money but also many headaches and above all, they can assure not only that you’ll travel worry-free but that you may have a trip of your life! Keep in mind, a good agent is not after selling you a single ticket or a package tour, they want you to become a repeat client, their go-to-travel processional for rest of your life.

Clever safe private luxury travel, tailor-made worldwide adventures and cultural journeys take experience. Do not settle for less, book only with genuine travel professionals! Life is a journey, and travel inspirations for the discerning traveler begin with top travel leads.

Article Source: http://EzineArticles.com/3387032

Attractive Group Travel Packages to Vietnam

Group Travel Packages to Vietnam are varied and unlimited, there are every day hundreds of groups arriving to the Noi Bai or to the Tan Son Nhat International airport to start their holiday to Vietnam or combine it with other Indochina destinations such as Laos, Thailand, Myanmar and Cambodia. The tourism authority of Vietnam has recently included free tourist visa on arrival for 15 days for the citizens of 5 more European country in order to ease up the visa and embassy chase-off to attract more visitors from the Europe. Vietnam is characterized by a couple of wonderful Natural wonders and historic attractions that attract anyone with any traveling style, Ancient temples and romantic boulevards of Hanoi, the capital, the gigantic lush greenery valleys on northern peak of the country, in Sapa, or, the magical beauty that you see on Halong bay tours, the imperial citadel in Hue, or the crystal clear tropical beaches in Nha Trang, the Ho hi Minh City with its fine museums and the memorial building all and all to ensure that all incoming group tourists are fully entertained.

Benefit of a group travel packages to Vietnam

Such tours packages are invariably cost effective than planning your independent vacation though traveling on a group with traveling on a private tour is two major different factor that is extremely vary to your traveling style, however, when booking your Vietnam packages tours to visit the country on a group travel you would often find a package inclusive of airfare that works out cheaper than the normal airfare alone. No matter what will be the length of your holiday, if your travel agency organizes it well, then you and you can accommodate more sights to maximize the sightseeing activity.
Vietnam is extremely safe but as one of the many benefits of group travel packages to Vietnam the travel safety is much better since you are traveling with a group with an experienced and reliable organized tour coach, you feel much safer than when you travel solo, especially when you are travelling to the region for the first time.

The other great advantage of group tours would be a hassle-free arrangements as you don’t need to get involved in any steps of booking, your travel agency will take care of all the pre-booking such as flight reservation (if you request them to do), booking a luxury hotels and resorts with great deals, cruise charters for your Halong bay tours , home-stay arrangements in Sapa or in Mekong Delta, and much more. All you need to do is to pack your luggage and board the flight with your group and enjoy the beautiful scenery and the natural prospective of Vietnam.

Where in Vietnam is more popular for group traveling?

Basically, this is pretty much depends on the length of your holiday. Vietnam could be visited all year round and the places to visit could be arranged from southern Ho Chi Minh City to the Northern Hanoi and the places and cities in between such as Nha Trang, Hue and Hoi An as we and Halong bay when in Hanoi.

Group Travel Packages to Vietnam on a 14 days itinerary

Luxury Travel Vietnam, has designed the 14 days had picked itinerary especially for the group traveling to Vietnam. You will start a Vietnam vacation packages by exploring the several UNESCO World Heritages sites, including a great overnight stay on Halong Bay cruise, historic Hoi An, the enigmatic Cham Towers in My Son holy land, and the ancient capital Hue. This trip starts in charming Hanoi and ends in vibrant Ho Chi Minh City in the southern Vietnam.

Hanoi: In charming capital of Vietnam, you will dine in one of the French colonial villas which have been converted into gourmet restaurants, explore the fascinating maze of 36 streets in the Old Quarter of Hanoi.

You will then continue your visit to the northern Sapa and meet the local minorities at the Cat Cat village.

Next, you will cruise along the majestic limestone islands on a Halong Bay Tours, visit a fishing village and enjoy other activities such as rock climbing, or kayaking through the floating villages.
In central Vietnam and when in Hue, you will marvel at its imperial citadel, to visit the palaces, royal tombs, pagodas and temples. Then it’s off to the river town of Hoi An, where you will tour centuries-old merchant houses, and visit busy silk and fish markets.

In Da nang you will stay several days at the beachfront luxury Resort. Nearby, you will see ancient sculpture in the Cham Museum or My Son, and tour Buddhist cave temples in the Marble Mountains.
Then visit Ancient Hoi An, a UNESCO-designated World Heritage town as well as the riverfront port town crammed with historic homes, tiny museums, cafes, and bustling silk and fish markets.

Next will be Ho Chi Minh City, Vietnam’s dynamic commercial center, you’ll explore colorful produce markets, or perhaps stop in a designer shop to order haute couture ao dai. You’ll also take a day trip to the Cu Chi Tunnels, an immense network of connecting underground tunnels and are part of a much larger network of tunnels that underlie much of the country. You will also visit lush My Tho and splendid floating markets as you finish up your holiday to Vietnam.

Tamang Heritage Trail

The Tamang Heritage Trail is a new trekking trail developed in Nepal. This trekking trial is very near from Kathmandu, capital city of Nepal. This trekking trail is situated to the north of Kathmandu. It takes about 7-8 hours from Kathmandu to reach the starting point of the trek. The trek starts and ends at Syabrubesi. This trek provides the trekkers the chance to know the culture of the Tamang community, along with the view of spectacular natural beauties. The trekkers can also enjoy the healing baths in natural hot springs.

The local of this trekking route mostly belong to Tamang community. It is said that all the Tamangs residing here are the Tibetan people migrating to Nepal for permanent settlement. It is believed that the ancestors of the Tamang people of the present days were the Tibetan sect people who flew from Tibet to reside in Nepal. Then they started staying in Nepal permanently and changed their Tibetan caste to Tamang. The culture and traditions of the Tamang people residing on this trail resembles to that of the Tibetan people living across the Nepal – China border. Tamang community people living on and near this new trekking trail celebrate Lhosar. The other most important religious festivals celebrated by the Tamangs are Buddha Jayanti, Dashain and Tihar. They enjoy the festivals by performing a dance named ‘Selo’. The musical instruments named as ‘Dhampu’ are played by the gents of Tamang community whereas ladies perform the dance. Trekkers trekking on this season to this trail can enjoy the fun of Selo dance with the locals as well as taste the local cuisine of Tamang.

During this trek the trekkers can enjoy an awesome view of Langtang ranges as well as they can enjoy the amazing scenes of the forests covered with red Rhododendron flowers. Blooming of the Rhododendron on the hills of this trail make the hills look red, which becomes more attractive. All these help to make the trek more and more beautiful. The trek is short and not so tough as well as is also a cheap trekking route in comparison to other treks. Hence, this trek will certainly suit to every trekkers. This area was previously enlisted as a restricted area for the tourists travel but has been recently opened.

Since, the trail moves along the Tamang village the trekkers get the chance to enjoy the social life with the locals. They can also interact with the friendly and hospitable locals and also learn their new lifestyle, languages, etc. It’s not always the tourists who learn, the locals too get the chance to learn new ideas, tourist’s culture, etc. The closeness and interactions between the locals and the tourists bring the chance of eradicating orthodox as well as superstitious behavior from the society.

Travel Insurance Tips For Dummies

Travelling abroad neednt fill you with worry, but its important to be covered just in case the worst does come along. Flight cancellation and loss of baggage or passport are some of the more trivial things that could happen while your away, but you could also find yourself in a very sticky financial situation should you or one of your group become ill or suffer an accident. Outside the EU, medical expenses wont be covered, while even inside the EU you may need to pay for transport home or private treatment. Taking out the correct travel insurance policy can cover you against all of these misdemeanours, and give you peace of mind while youre away. If youre looking for the best travel insurance deal for this summer, then take a read of this article for some tips for finding the best policy.

Check What You Already Have
If youre a premium customer with a bank or credit card company, then chances are that youll already have travel insurance included. This is particularly likely if youre paying a monthly fee for your banking. Make sure you check this out with your bank and read the small print of the deal  it might not be valid outside of the EU or if you have special circumstances, but a phone call should clear this up. If you dont have a policy already, then it really pays to shop around. Its easier to do now thanks to the web  all you really need to do is key travel insurance into a search engine, flick a few of the results and enter your requirements. Price comparison websites are particularly useful, so if you filter through a couple of these then youll be on the right track.

Special Clauses
Anyone with special conditions can get quoted ludicrously high amounts from most traditional insurers. People with histories of serious illness or disability, and those who are pregnant or over sixty-five can all find themselves struggling to justify the cover price. Make sure you have an EHIC card (when travelling within Europe) and check out specialist insurers that may be able to give you a better deal. If you find the cover to still be unaffordable, then the price may drop if you ask the insurer to exclude pre-existing conditions; though its then your call on the risks of going abroad with limited cover. Also, the EHIC card wont cover you for everything. In fact, it will only give you as much medical cover as a local citizen in your destination country  it wont cover you for luggage loss or plane ticket cancellation.

Dont Over Cover
When searching for a policy, its important to understand what kind of cover you need. If you just take the first policy you find, youre likely to either be substantially over insuring yourself, or perhaps even under insuring. Be particularly wary of premium insurance deals offering extremely high amounts of cover when you dont really need it. For instance, do you really need 50 million worth of medical insurance cover? The answer is almost certainly not. In fact, its probably best to go for something more towards the 2 million mark for maximum medical expenses cover, while you should go towards 1 million for personal liability. Flight cancellation is also worth considering too  no one wants to be in the nightmare scenario of not being able to go on holiday for whatever reason, but then having to stump up for it anyway.

Mandatory Things That Reduce Almost 50% Of The Worries While Traveling!

Leisure, holiday, tour, trips and picnics all of us will do one of these things at some point or the other. Taking a time off from a hectic life and going off somewhere to spend some quality time with friends and family always sounds appealing. It can be any form of traveling from going on a holiday to put up our feet and relax to touring a place to take in its beauty and other advantages and it can also be on business. Though it is a relaxing time, it is also a time to be practical to avoid any sort of tension during the time. Advance planning is required so that travelling can be made as smooth as possible; this can be done by carrying a few mandatory things always.
First are the things that are required for a comfortable travel. For me, traveling should be a relaxing time where I can let my thoughts fly freely and ponder on things for which I never had time previously. So, I carry a couple of things that helps me in travelling comfortably. First and foremost is a good solid plastic bag or zip loc, one never knows when travel sickness will attack. It is always best to be safe rather than sorry. A bottle of water is always important; there might be places where there will not be any water available. Next are the eye covers and ear plugs to avoid hearing loud snores and kids fretting while sleeping in the nights! First aid is another important thing, make sure there are all the necessary medications put into the baggage especially if there are kids who are allergic to a few things or who cannot adapt to change in weather easily, the medications comes in handy for first-aid during these scenarios.
Next are the vanity things. Traveling light is equally important as the mandatory things required for travel. Instead of carrying huge bottles of conditioners, shampoos and detergents, shift them in to small bottles so that the place that these things occupy is reduced to a great measure. Carrying a portable wash line is also useful for those who dont like to give their clothes for laundry. It can be placed anywhere and the clothes can be dried. Hand sanitizer is another important commodity for travelling. There may not be water available everywhere and it helps in keeping hands clean especially for those who are fanatic about cleanliness. Wet wipes are also handy with which cameras, public phones and even seats can be cleaned without getting the hands dirty.
Next is a small sewing kit to temporarily repair a tear or stitch a button that has popped off. Other usual common things that are required are sun blocks, towels, bathing suits, umbrella, shower caps, guide books, camera, a small note book, cell phones, etc all these depending upon the type of travel. Though cameras are not mandatory, it is always nice to capture the fun moments of life.
Thus, these things not only help in a more comfortable travel, but also reduce worries during travel. It is good to be prepared for any eventualities and not taken by surprise when going to an new or unknown place when there is no assurance that a particular I available. At the same time, extreme paranoia is also no required which prompts people too carry too many unnecessary things that are not even required during travel. So, travel with things that are necessary and at the same time travel lightly. There are a lot of information and programs available on comfortable travelling in the internet and television which can be subscribed as bundles nowadays like the Time Warner Bundles.

The Benefits Of Having Travel Insurance

The best health care system in the world can be found in Canada and so Canadians are not as worried when it comes to getting sick in the future. It is alright if they do not consider this whilst at home but when they travel outside Canada then this becomes an issue. Considering that you might encounter unexpected illnesses or injury even in the United States, aside from financial hardship you will also encounter real emotional and psychological stress. As a lot of mature travelers would say, always see to it that you have enough comprehensive global health insurance before leaving Canada just in case.

Where to purchase insurance is something the readers want to know as well as when their health insurance is enough. Considering the people who might be traveling to the U.S.or Europe, it has been mentioned by the manager of Winnipeg’s major bank that although there are provisions for a comprehensive package at a reasonable cost there is nothing that can replace total health coverage.

If possible, another insurance package should be purchase to supplement these benefits when it comes to the older card members. Two major insurance companies recommend travel health insurance of at least $1 million, and both those companies scale the cost of their packages because their studies have shown that there are more claims from long stays and from people over 60. Certain costs only made it possible for a company to extend their maximum coverage to those between 60 and 65 and nothing beyond this.

Taking travelers into consideration, they can ask for help when looking for an insurance health plan. Your best bet will be an insurance agent when it comes to a comprehensive overview but for information on the larger companies, talk to a travel agent. One major insurance company bases its rates on age, those 60 and under and those 61 and over, and length of stay. A 10 day trip coverage would cost a person over 61 $17 while a single traveler under 60 will only need to pay an amount of $9.10.

Costing $23.50 for someone under 60 and $67 for someone over 61 is the same policy but this time for a 30 day trip. Respectively costing $95 and $220 is coverage for a 48 day trip. Rates continue to climb for longer periods away from home. A couple over 60 who planned to be away for two months would pay $540, or $270 per person, for a comprehensive health insurance package or $1,350, if they planned to extend their winter holiday to four months.

When it comes to a Winnipeg couple, they were able to bend the long term health insurance rates to their advantage. Two 60 day coverage plans are what they purchase instead of 120 day health packages for the four months they spend in the southern states every year. This well known insurance company also provides other options that are less expensive. From another company come substantially lower rates even if their scales depend on age as well. About $330 is how much a couple over 65 will need to pay for a sixty day coverage. Expect to receive a disclaimer when it comes to some insurance policies and this will mention how the contract will not be able to provide coverage for any medical condition which commenced prior to the effective date of the policy.

Offered by several companies is coverage designed to take effect after those from various credit card plans expire. Several companies will advise you to purchase enough insurance to last for the duration of the whole trip. Inexpensive plans are available from some companies and some of these do not consider age as a factor. For these kinds of plans, coverage is not always provided if a trip last over 60 days. There is a company that may be able to help you by giving a money saving tip that can help you offset the costs of health insurance for when you travel. Remember that the travel health premium can be included in medical expenses and included in your tax credit calculation for income tax purposes.

Can Astral Travel Be Learned Discover How to Train Yourself to Have an OBE Super Fast!

Can astral travel be learned, or does it have to happen spontaneously? Does one need to be in the throes of danger, or death to leave their body, or can it be practiced, refined and cultivated on your own? In this article we are going to take a quick and insightful look at training yourself how to have your first (or next) OBE experience, and how some pretty simple steps are ALL that is required to explore the ethereal realms for yourself! Curious to know more? Great… continue reading as we take a closer look below!

Filed Under: The 2 Different Types of Astral Travel & OBE Experiences

There are two – spontaneous, and induced. (or intentional) The differences between them? A spontaneous projection is usually as a consequence of some sort of trauma, or injury or even as a result of clinical death. (as illustrated by the near death experience) Spontaneous projections are often considered more evidential by scientists… as they aren’t planned, practiced or desired, they just happen on their own. (and often have a very strong veridical quality as above, where information that would be IMPOSSIBLE to know is gleaned while outside of the physical “shell”)

Induced astral projection is MUCH closer to what most of us are trying to experience for ourselves. (as no one really WANTS to have a near death experience, unless we are SURE we are going to be coming back..:-) It is the reasoned, rational and INTENTIONAL exercise of trying to exit the physical body through exertion, effort or otherwise.

Filed Under: Common Methods for Inducing Astral Travel

Most commonly? It is facilitated through:

* meditation,

* prayer,

* concentration,

* sound or music,

* exercise

* sensory deprivation

* drugs

The safest methods are obviously those that DON’T require extraordinary circumstances (i.e. sensory deprivation) and certainly don’t require drugs, alcohol or hallucinogens.

Filed Under: My Experience (and Recommendations)

The best way to train yourself to have an OBE, or astral projection, is through a combination of mediation, and music or sound. Why? Because meditation is TRULY the gateway to the divine, and while I’ve tried just about EVERY approach above, mediation is not only the easiest and fastest, it also is the most LIFE changing and transformational as well. Combining traditional meditative practice, with blissful sound technology, is an amazingly easy and beautiful way of growing spiritually…..while exploring the ethereal realms. (often with effortless ease) And I can also tell you that my own journey as a spiritual being has been reinforced and rewarded by my many out of body experiences, as NOTHING will convince you BETTER that you are a being far BIGGER than your body, than experiencing it firsthand for yourself.)

Warning! Don’t get scammed by another “fake” Psychic EVER Again!

Skeptical? Good! Get a Genuine Psychic Reading Here!

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How To Choose Best Travel Agents For Your Vacation

Travel agents are now not indispensable due to travel websites in the internet. We can book online. Anyhow, they still are a great source of information and service. They can make your trip easy, save time, minimize your worries, and possibly save cash. Here are a few time tested points to choose your travel agent yourself.

Things you will need to do:

Date, Place, and price range of Your Trip.
List of agencies in your vicinity.
List of your query.

A good travel agent will ask you to outline your trip. They will ask about your destination and the reason to go there, mode of travel, duration of stay, and your budget. Be open and honest with your answers. A good agent can easily conjure up a sample tour that describes your criteria in your outlined terms.

Steps for Choosing Best Travel Agents

Recognize your needs
A good travel agent will always take your needs in consideration. The agent will typically ask questions to bring out these information from you (and you should take it as a bad sign if the agent does not). You also will need to speak out what is in your mind.

Purpose of your trip.
Destination city and time of travel.
Choose between Airline, Cruise, rental car, or something else as means of travel.
Determine a practical budget with all possible expenditures.

Ask the right questions
Once you have pointed out your choices, you can get around and ask questions. You should ask most of these questions in person when you meet those agents:

What kind of travel do you specialize in leisure or business?
Can I contact you 24 hours a day? Do you have any website to book online?
What are your service charges?

Meet With Travel Agents
Talk about travel arrangements like shopping of any car or other commodity. Do not act as if you are eager to jump on a deal right away. When you meet the travel agents don’t feel like purchasing anything. While discussing the travel options keep these guidelines in mind:

Do not rely on vocal agreements alone.
Do not suppose your accommodations will look as impressive as they do in the glossy direct mail.
Always read out the paperwork carefully before you sign on it, especially when it comes to package deals. Read the fine prints also.

Finding a best travel agent might be little complicated at first, but it could simplify your life vastly. I would like you to try a few best travel agents website that I find while searching on Google. These are Airtkt.com, Cheapfareguru.com, Eros Tours & Travel Inc., Latinfare.com.

Happy Traveling

How Aerospace Medicine in George Keeps Air Travelers in Top Shape

Aimed at treating those people who are involved in some way with the space and aviation fields, aerospace medicine is a sub-specialty of preventive or occupational medicine. Its main focus is to improve health, safety and ultimately job performance, while preventing illnesses and other medical problems for those who are part of the air and space travel industry. It also focuses on civilian air travelers and any conditions they might have while in the air. With providers who focus on these types of issues, aerospace medicine is an area of health care that can keep its employees as well as the rest of the world safe and in top condition.

Aerospace medicine in Georgia is no less focused on keeping those in its care healthy than any other state. The highly focused field employs doctors throughout the state who treat air crews and pilots for the conditions to which these patients are susceptible. Also called aviation medicine, this specialized field employs physicians who are normally referred to as flight surgeons or aviation medical examiners, depending on the doctors area of specialty.

Some types of conditions treated by these practitioners are radiation exposure, micro gravity afflictions and hypoxic conditions that happen when the body is deprived of oxygen. These types of ailments can be frequent causes of physical problems in aerospace medicine. In Georgia, healthcare givers are quite knowledgeable in the afflictions that are suffered by patients in this medical field.

Those employed in the air or space travel fields who are considering relocating to Georgia need not worry about any health issues related to their jobs. Aerospace medicine in Georgia is not lacking in facilities, schooling or doctors available to treat patients. Anyone considering a career in Georgia’s branches of this industry can rest assured their medical needs will be cared for by top physicians.

Georgia is also a place for doctors interested in practicing aerospace medicine, with a field that is on the cutting edge of medical technology and science. Georgia can make an inviting state for schooling, as well as treatment. The state offers a relatively mild climate, with an popular environment for most who travel there. Healthcare employees, as well as air travel employees, are both bound to find a comfortable atmosphere in which to work.

Aerospace medicine physicians face daily challenges across the spectrum that cover concerns with astronaut life support issues to ear problems with air travelers. It is a specialized field, and Georgia is a practical location for doctors who want to specialize in it.

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