Showing posts with label independent tour. Show all posts
Showing posts with label independent tour. Show all posts

Sunday, July 03, 2011

Monday, May 10, 2010

Choosing Travel Protection for Your Next Vacation

Adding travel insurance to your vacation is a way of protecting your investment. This is why it is an important consideration when planning your next vacation. With travel insurance, the price of your vacation can be refunded (less the cost of the insurance) should any unforeseen circumstances arise.

To find the right travel insurance for your vacation, knowing your options is essential. Below are some points to consider that will help you choose the right travel insurance for your next vacation.

Types of Travel Insurance

The first type is a true comprehensive insurance product that covers cancellations prior to departure as well as for circumstances during your trip. This insurance can be purchased from your travel agent, directly from an insurance company or from the tour company or cruise line when you book your trip.

The second type is called a penalty waiver and is technically not insurance. With a penalty waiver, the cancellation fees charged by the tour operator or cruise line are waived should you need to cancel. Waivers are offered by travel agents and tour operators.

Types of Coverage

Comprehensive travel insurance covers much more than a penalty waiver. The coverage includes cancellation, trip interruption, baggage loss, theft and emergency medical coverage. It also offers added benefits such as 24-hour emergency assistance and coverage due to bankruptcy of the airline, cruise line or tour operator.

Cancellation reasons that are covered are medical in nature due to illness or injury of either you, an immediate family member or a traveling companion. Some other unforeseen circumstances for cancellation may be considered and is dependent on the type and amount of coverage you choose.

If the comprehensive travel insurance is purchased at time of booking or within a week or two of booking, most insurers will waive any preexisting conditions. This insurance is ideal for seniors as it includes medical insurance that covers them outside of the United States, a coverage not included by Medicare and many other stateside medical insurance companies.

Penalty waivers are primarily used to cover cancellations prior to departure. Should you need to cancel your trip, the penalties that you would normally be charged will be waived. An added bonus is that penalty waivers allow for cancellations that are not medical in nature and can be for any reason.
Some cancellation penalty waivers additionally include price protection and hurricane guarantees.

Typical Costs

Comprehensive travel insurance usually costs about 7% of the total trip price. This cost is generally higher than a cancellation waiver as it covers more and takes the age of the travelers into consideration. (For example, an 75 year old would be charged more than a 25 year old due to a higher chance of illness or injury.)

Cancellation penalty waiver costs depend on the length of your trip and can vary between tour operators. Waivers can offer different levels of coverage at corresponding price levels. Prices generally start from $29.99 and can run up to $159.00 per person.


Know Your Bottom Line

Make sure that you thoroughly read and understand your travel insurance or penalty waiver policy before purchasing. If you have questions, ask your travel agent or the insurance company for details.

To learn more about travel insurance/waivers for your next vacation, contact me at divalisatravel@gmail.com!! ~ Lisa :)

Sunday, February 21, 2010

Ireland Vacation, Anyone?

It seems that everyone wants to go on an Ireland vacation! The warm days of summer show off the reason why Ireland is called the Emerald Isle. However, fall, winter, and spring offer their own special charms, as well as being amazingly affordable times to travel.

Most destinations have a prime season for travel that coincides with excellent weather. Throughout this "peak season", the crowds tend to be heavy and the prices high. Ireland's peak travel season is the summer months: mid-June through mid-September. When the weather is typically less than balmy, destinations experience a "shoulder season" and a "low season". Shoulder season for an Ireland vacation is April, May, early June and early October. Shoulder season has the distinct advantage of retaining many summer travel perks: longer days, good weather and extended shopping hours. Low season is November through March - the winter-weather months in Ireland.

Rates and crowds lessen proportionally as you travel farther from the warmer months. Airfares are often hundreds of dollars below peak season rates, and hotels offer bargain discounts. But for many, one of the best advantages of traveling in the so-called "off season" for your Ireland vacation is that it's much easier to enjoy and absorb Ireland's renowned culture and avoid getting lost in crowds of tourists. Off-season visitors often find that their hosts, hoteliers and shop keepers engage easily in conversation and provide individual attention, increasing the odds for a fascinating and flawless Ireland vacation.

Off-peak Ireland is one of the best travel bargains worldwide... short daylight hours and cool weather provide a new, moody perspective on the country. Celtic architecture and cool seascapes fill mornings of exploration, and crisp afternoons call for cozy Irish sweaters and refuge in a warm pub, where visitors mix with the locals.

One of the great attractions of Ireland is that many of its amazing sites are in the wide-open: the cliffs and shores, castles, cathedrals and great stone circles are accessible throughout the year. The countryside, too, holds its famous green, even in the winter when visitors can trace the landscape of long stone walls against a leafless sky and emerald-colored hillsides.

To ensure your comfort while you wander through Ireland, bring heavy sweaters and outdoor clothing and hats. Warm, comfortable (and preferably waterproof) shoes are a must, and pack turtlenecks and windbreakers for good measure. The good news is that because Ireland is situated on the eastern Atlantic side of the Gulf Stream, temperatures are typically more moderate than in continental Europe. Ireland's average winter temperature is a relatively mild 45 degrees Fahrenheit.

Your best resource for planning your off-season itinerary is a good travel agent (me!) to ensure that you experience the best aspects of traveling during this time. Travel agents can connect you to highly regarded tour operators who are financially sound and have a reliable history of taking care of the agent's clients; Ireland can be equally enjoyed through a fully escorted or independent tour, and often at additional savings over already low rates. In addition, an agent is an invaluable source of insider tips and research materials that take the worry and hassle out of planning an enjoyable, quiet, and affordable trip to Ireland.

I can offer packages for travelers with a variety of travel options to suit your needs. Choose from independent vacations, escorted tours, golf vacations, city breaks, B&B’s, hotels, castles and more. I can custom design vacations for travelers giving them the capability to create their very own personal Ireland vacation.

So pack a sweater and have the Emerald Isle to yourself! Contact me with questions on your Ireland vacation at divalisatravel@gmail.com!