8 Crucial Things You Need To Know About Travel Insurance

Are you planning a big trip or getting ready to travel? If so you may be thinking about travel insurance and whether or not you need to purchase a policy. Is it money wasted or is it an investment in your trip?

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1. When Do You Need Travel Insurance?

Personally, I buy travel insurance for every international trip I take. From luggage going missing to flights being delayed to something going wrong before the trip and forcing me to miss it, there are so many things that can happen.

summer travel image conde nast traveler 8 crucial things you need to know about travel insurance

Overseas travel normally involves a substantial financial investment and I want to make sure that A) I don’t lose that investment and B) the trip doesn’t get ruined by me not having clothes when I get there.

For domestic travel I don’t normally buy a travel insurance policy unless I have significant expenses attached. If I’m just flying to the opposite coast for a few days it is an expense I will do without, but if I’m flying to Hawaii for a vacation I will insure the trip.

You need to weigh out how drastic your financial loss will be if something major happens.


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2. When Should You Buy Travel Insurance?

I have my Glam Italia Tour travelers purchase travel insurance as soon as they have paid their deposit and booked their flights. You need to get covered as quickly as possible.

Most of us buy the less expensive airfares that have zero allowance for cancellation or changes to be made. (Read the fine print on your airline ticket) This can leave you with no recourse if something happens between buying the ticket and flying out. As with many boutique travel services, deposits and payments on my tours are non-refundable, which could add up to a significant amount of money lost should something go wrong prior to leaving.

Many travel insurance policies don’t cover you until 14 days after purchase, so you want to purchase your policy as quickly as possible.

In life, anything can happen. You could break your leg, have a heart attack, lose your job – the list is endless. Of course we hope none of these things do happen, but should something major go wrong you want to be past that 14 day window and be able to get some financial relief.

RELATED POST: HOW TO PACK A SUITCASE LIKE A PRO

3. Should You Buy Travel Insurance From Your Airline?

Do your homework on this one.

When you are purchasing your airfare the airline will offer you an insurance policy. I have never bought one of these so can’t speak to their value. Make sure you do your due diligence before clicking that purchase button. My feeling is that the policy probably will serve the airline better than it will serve you. (I could be wrong though.)

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Your insurance policy needs to cover more things than just the airfare and lost bags though, so really read up on that policy as well as any you may consider buying. It seems to me they don’t want you to spend time making comparisons as you will see a timer clicking away, warning you that you only have minutes before you lose the price on your airfare. I always buy a separate, freestanding policy.

Three years ago on a flight from Charlotte to Rome I sat next to a couple who were supposed to fly from San Francisco to Rome two days prior, to go on a cruise. The airline had cancelled their flight while they were at the airport. They were stuck in San Francisco (along with everyone else from their flight) for 2 full days before American re-routed them to Charlotte and from there onto Rome, costing them not only 2 nights in a hotel in a very expensive city, but the first 3+ days of their cruise as well.

4. Does Your Credit Card Offer Travel Insurance Coverage?

Depending on the credit card you used and whether you charged your entire trip to it or not your credit card may offer international travel insurance as part of your membership.

I had a situation a couple of years ago where my son and I were flying back from New Zealand with United (I seriously do not recommend flying United) The tickets had been purchased months prior, but shortly before our trip United decided to cancel our Los Angeles-Phoenix flight, leaving us stranded at LAX overnight. United being United basically just said “sucks to be you”.

Our flights had been purchased through American Express who said “no problem” and put us in a nice hotel overnight and paid for dinner. The moral of that story is that AmEx is good and United is bad.

Before booking your trip find out what type of travel insurance your credit card offers, if it does offer travel insurance.

RELATED POST: 7 ESSENTIAL TRAVEL ACCESSORIES

5. Read The Fine Print and Trip Cancellation Policy

Before buying a travel insurance policy be sure to read all the fine print, including the trip cancellation policy. You will only get your money back if the reason for cancellation falls within the reasons listed on the policy.

euros paper money

Reading the fine print is really important as you need to know ahead of time about any exclusions and what documentation you need to have to make a claim. For example, your stolen handbag may require a police report, your medical claim may require additional documentation, your asthma attack may not be covered.

Also an act of terror, an act of God like a hurricane or earthquake, or the outbreak of war may not be covered. Obviously we aren’t planning for any of these things to happen, but you need to know what to do, and what is covered in the event that something goes way off the rails.

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6. Should You Buy Evacuation Coverage?

Medical transport coverage is in my opinion one of the most important thing to consider when purchasing travel insurance. Should something catastrophic happen – you get hit by a car, have a heart attack or aneurysm or stroke, break a leg or break your back, you need a travel insurance policy that will bring you home on the appropriate type of plane, with a nurse.

Of course the chances of something like that happening are incredibly slim, and of course you would be stabilized and treated in hospital wherever you are, but the getting back home factor could potentially be a huge deal. How would your family get you back home if you were incapacitated?

tourist being evauated by helicopter

I recently read a post from a travel blogger whose friend slipped and broke 2 vertebrae somewhere down in South America while they were hiking. They not only had a travel insurance policy that provided medical escort home, but also had an evacuation policy. This covered being heli-vac’d out of the rain forest. I have never purchased evacuation cover but I don’t do any trips that involve hiking or high danger sports. The most dangerous sport I engage in is drinking a spritz while looking over the Grand Canal in Venice.

Evacuation policies normally only cover heli-vac to the nearest hospital, not to the hospital of your choice. They also don’t cover getting you from that hospital to the next, or back home. A helivac is incredibly expensive, and can run more than $100,000 depending on where you are.

Always make sure you have a travel insurance policy that gives you between $50,000 and $100,000 medical travel home.

RELATED POST: HOW TO FLY AROUND THE WORLD FOR FREE

7. Pre-Existing Conditions

Before purchasing a travel insurance policy be sure to find out what their policy is on pre-existing conditions and if your pre-existing is covered or not. You may have coverage from your medical insurance policy at home, but be sure to check first as most medical insurance policies are not likely to cover you overseas.

8. Check The Travel Insurance Help Options

Before purchasing a travel insurance policy check to see what help the company will give you should something happen while you are out of the country. Some companies have international help lines or toll free help lines, others have nothing.

I got sick while traveling overseas 2 years ago. My travel insurance company was able to not only find me English speaking doctors in the places I was traveling, but also facilitate the appointments. They were incredibly helpful.

Another time one of my travelers’ luggage didn’t make it to Italy with her. The airline was about as much help as a bar of soap, but the insurance company got on it and chased after the suitcase as it made its way around the world. It saved my client hours of being on hold with the airline (at international calling fees) and also meant she didn’t have to waste vacation time trying to chase her bag down. The bag didn’t get to us until day 8 of an 11 day tour, but in the meantime the travel insurance company covered the purchase of new clothes, shoes and toiletries.

Ideally you want to use a multinational travel insurance company that offers you proper help when you need it.

RELATED POST: HOW TO SLEEP ON A PLANE

Have you read my book Glam Italia! How To Travel Italy: Secrets To Glamorous Travel (On A Not So Glamorous Budget) ? In it I talk about my Free Resources, a set of PDF’s including trip planning guides and pre-travel checklists that you can use over and over. Download your Free Resources HERE


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Should You Fly First Class -Tips You Need To Know

When you are planning a trip involving airline travel one consideration is which class to book your flight. Most of us end up booking economy tickets, yet dream about riding in the front of the plane in the luxury and decadence of first class.

American Airlines First Class

If you are in the financial bracket that can afford first class all the time this post may not be for you. But if like me you typically travel on a budget, here are 8 times you may want to consider booking your flight in Business/First class.

Domestic Flights

Personally I don’t bother with paying the extra (or heaven forbid, wasting miles) on flying first class on domestic flights. Here in the U.S. most domestic flights are no longer than 5 or 5 1/2 hours. For the extra cost of first class you get a slightly bigger seat (1.5x) get to board early and get a free glass of crappy wine or non-top shelf spirits. For the cost differential you might as well just buy yourself a couple of drinks and just ride in the main cabin.

International Flights

My theory with international flights is that if the flight is less than 8 hours, for example Chicago to Dublin, which is 7 hours, it’s not worth the extra cost. If a flight is 8 hours or more it can be a really great option to turn left when you are boarding!

champgne in first class on al italia
“Ms Cooke, can I interest you in a pre-flight glass of wine?”
“Actually, it just so happens you can…”

Some of the benefits flying Business or First class internationally include extra luggage allowance, use of the club lounge in the airport (which can be worth its weight in gold), early boarding – there are an average of 300 people getting on this flight so it helps to get ahead of the crush, and in most cases have a separate entrance onto the plane.

business class menu on alitalia flight from LAX to Rome
The food was actually pretty fabulous

You get greeted by name, escorted to your seat, your coat is hung up for you. There are pre-flight champagne, a la carte menus and you eat from real plates, have real cups and glasses, and best of all you have a wide seat that lies down flat so you can sleep. It’s fabulous!

International business class food on American Airlines
Business class appetizer on American Airlines flight from Paris

Related Post: 10 Best Tips To Help You Sleep On A Plane

When Should You Fly First Class?

Let me preface this by saying I am a single mom so don’t normally factor first or business class flights into my travel budget.

I generally find that most international flights seem to have a hybrid first/business class instead of the old school economy, business and first class configuration. When I talk about first class for the most part that is the first/business combo.

I tend to buy economy tickets but by using the tips and tactics I tell you about in my book Glam Italia! How To Travel Italy: Secrets To Glamorous Travel (On A Not So Glamorous Budget) I get upgraded a lot. Not quite half the time I fly, but close to it. I doubt I will ever spend $6000 on a business class ticket, but I do sometimes pay for an upgrade – I just don’t pay much for it.

But let’s look at 8 times you might want to fly first class

1. When It Is A Really Long Flight

I have a personal (budget) rule that I won’t pay to upgrade to business class on any flight that is less than 8 hours. On international flights anything under 8 hours is in my mind not worth the extra cost – I’ll keep the money for shopping.

However when you are flying 8 hours or more, I think it is really worthwhile, especially if you get a good deal on your ticket. Flying from Los Angeles to Australia or to the main hubs in Asia can take 14 to 16 hours, with L.A – Asia being the hardest route on your body for jet lag. I do my best to get upgraded or find a deal on a business or first class seat on those flights.

2. When You Have To Work

If you have to work during the flight, be that prep for a meeting or get a paper written etc, that business class seat can be a Godsend. Not only do you have the benefit of a good sleep and arriving well rested, but also your seat table converts into a really good desk space too.

Business class American Airlines Barcelona to JFK
The table on the seat across from mine on a flight from Barcelona. Plenty big enough to use as a desk and get work done during the flight. Or to line up drinks…

One of the flights to Milan that I flew up front on had seats that converted into office style leather chairs that turned to face the window, where the side panel turned into a perfect desk space. It was really cool, and if you were working (I wasn’t) would have been incredibly functional.

Want to know how I fly around the world for free? Read this blog post where I explain it all!

3. When It Is A Special Occasion

Another great time to splurge and fly first class/business class is when it is a special occasion. Honeymoons, anniversaries, major birthdays all are great opportunities or excuses to turn left when you board that international flight!

Corinna Bs World first class American Airlines
Flying home from Barcelona in Business/First Class on American Airlines on a birthday trip.

4. When You Are Exhausted

When you arrive at the airport completely exhausted, flying business class or first class can be a game changer. Having the ability to lie flat in a comfortable bed-chair with a fluffy pillow and a comforter in the quiet that happens in front of the engines (no annoying engine hum to keep you awake) is just fantastic.

First class seat on American Airlines international flight

A couple of years ago I arrived at the airport in Los Angeles beyond exhausted after having worked 7 days per week for weeks on end. I was flying to Paris to work and wasn’t looking forward to being in a cramped seat for 12 hours. I was upgraded to business/first class, and although I barely slept because it was too fabulous to miss one minute of, I still arrived at Charles de Gaulle feeling rested and ready to take on the world!

Want to know how I get upgraded so often on international flights? I go into detail on how I do it in my book Glam Italia! How To Travel Italy: Secrets To Glamorous Travel (On A Not So Glamorous Budget)

5. When You Need Pampering

Sometimes life gets difficult and you just need pampering. (I pretty much always feel like I need pampering) If I had the disposable income available I would fly up front all the time, but of course I don’t and can’t. But if you need or feel like being pampered in the air and your budget allows for it, try flying business/first class at least once in your life.

6. When Jet Lag and DVT Are A Real Concern

Jet lag happens due to crossing multiple time zones flying east/west. You can’t get jet lag flying north/south. There are many factors that contribute to jet lag and travel fatigue but I sincerely believe that lack of comfort on long flights contributes to them. I have never deplaned from business/first class and felt anything less than fantastic. If you have to bop off that long international flight and roll into a garden party looking your most fabulous, this could be the answer!

RELATED POST: HOW TO BEAT JET LAG

DVT or Deep Vein Thrombosis is very, very serious. Also known as an economy class disorder, it doesn’t happen nearly as much in business class or first class. Basically DVT is deep vein blood clots that primarily occur in the lower legs, sometimes upper legs. Those clots can then dislodge and work their way into the lungs causing pulmonary embolism. DVT can be fatal.

I always recommend taking an aspirin before you fly to thin out your blood, (in case that actually works) and to wear compression socks or hose to keep pushing the blood and fluids up and stop them pooling in your lower extremities. Studies have shown that keeping the feet/legs elevated on long haul flights is a powerful remedy. If you are at risk for DVT and have a long flight coming up, getting an upgrade or buying a business class seat can be invaluable.

If that isn’t in you budget it is worth your while to pay for an exit row or bulkhead seat and once the seat belt sign has turned off put your carry on bag on the floor in front of you and rest your feet on it. Most Premium Economy seats have a bar that comes down below the seat in front of you to rest your feet on. When it comes to DVT you have to do whatever you can to avoid it.

7. When The Price Is Right

Sometimes you can get lucky and find deals where Business/First class doesn’t cost much more than economy. This is especially true on days that aren’t popular flight days. Always check the prices the consolidators have and click on their business and first class options as well as economy. Every so often you will find a flight that is priced too low for Business/First. When you see it, grab it!

Al Italia Business Class
An ottoman to put your feet up on (the seat lies out into a flat bed incorporating the ottoman) with a hotel pillow and fluffy comforter. Alitalia Business Class

8. When The Timing Is Right

Other times you can get lucky and find your way into an airline computer glitch. Should you find some ridiculously low fare, jump on it. If you don’t someone else will, or when you come back after thinking about it the airline will have already corrected it.

And sometimes the airline just makes mistakes. Last year I flew Los Angeles – Amsterdam – Rome. The airline emailed me and offered me an upgrade on the Amsterdam to Rome connection for $221. Normally I would have declined as it was a short flight, but I had to get through passport control in Amsterdam and back to the gate, and I figured a business class connection might help me. Somehow the airline’s computer messed up and instead of just putting me in seat 2A on the Amsterdam to Rome flight it put me in 2A all the way!

On top of that there was bad weather in Amsterdam and we had a four hour delay. The upgrade gave me entry into the club lounge in Amsterdam and then when my business class flight arrived into Rome too late for me to catch my train to Florence I was comped a hotel room for the night!

Keep your eye out for airline errors and take advantage of them.

Bonus

Does the thought of planning a trip or getting organized to leave on one feel a bit overwhelming or stressful? I have a set of Free Resources to help you plan, organize and get ready for your trip. These are the same travel planners, questionnaires and checklists I give to my Glam Italia Tour travelers. This is a set of PDF’s that you can use over and over. Get Your Free Resources HERE

Fantastic Travel Items You Need To Buy On Amazon Prime Day!

Amazon Prime Day is right around the corner on July 15th and 16th (midnight to midnight) with blockbuster deals to be had all over the Amazon site.

Disclaimer: This post contains affiliate links. If you purchase anything though one of these links this blog may earn a (very) small commission. Any commissions received go towards the cost of blog maintenance and hosting.

WHAT IS AMAZON PRIME?

Do you have Amazon Prime? Prime is a subscription service that gives you free shipping, streaming of thousands of movies and TV shows, commercial free music streaming, access to the Kindle library, and much, much more.

If you don’t already have Prime you can get a free 30 day trial here:

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I only got Amazon Prime a couple of years ago, and don’t take advantage of most of the benefits it offers, but even so I can’t imagine being without it!

Amazon Prime Day is like a middle of the year Black Friday or Cyber Monday shopping day. There are huge sales all over Amazon, and bargains to be had!

Travel Shopping

I had been planning on doing a post about my new travel hairdryer, which is the most amazing travel hair tool I have ever owned, but figured in case it is on sale on Amazon Prime Day you need to know about it now.

I have more Glam Italia Tours about to take off in September and October, and my travelers are always wanting info on different things to pack for their trips, so in the off chance that any of these are on sale on Amazon Prime Day, I’m putting them in this post.

Best Travel Hair Dryer (Ever!)

Heads up, this is the best travel hairdryer I have ever owned.

Babyliss Pro Nano Titanium Travel hairdryer, the best travel hair dryr available
The Babyliss PRO Nano Titanium Travel Hairdryer

Typically I have found travel hairdryers to be too bulky when I’m trying to keep my packing streamlined, and also half of them leave my hair frizzy and unmanageable. My home hairdryer is always some combination of titanium/ceramic/ion-something, and therefore keeps my hair smooth. Travel hairdryers tend to not have the same technology.

The BaByliss Pro Nano Titanium Travel Dryer does. You can blow out your hair and have it smooth and glossy. But that’s just part of it – this dryer is the size of a new born kitten! When the handle is folded down it is about the same size as a coffee cup. I almost sent it back when I opened the box, because I thought there was no way something that small could possibly dry my thick head of hair, but decided to give it a whirl and I’m glad I did.

On top of the size, power and technology this hairdryer has two settings for electricity, 125 volts and 250 volts. When I am traveling in the U.S. I have it set to 125 and when I’m in Europe or Australasia I have it set to 250.

This hairdryer is tiny but powerful, and I definitely recommend it.

Best Travel Toothbrush

We all know that sonic toothbrush technology is the best for not only keeping your pearly whites clean, but also keeping them white. But do you want to travel your expensive Sonic toothbrush from home? I don’t.

HIEIE Sonic Travel Toothbrush is the best travel toothbrush combining sonic technology with travel efficiency
The HIEIE Sonic Travel Toothbrush

The HIEIE Sonic Electric Toothbrush, USB Rechargeable Toothbrush Travel with 2 Replacement Heads, 5 Brushing Modes with 2 Minutes Timer, IPX7 Waterproof (Black) was built for travel. It uses a USB connection to charge, and a full charge lasts 10 hours, or 30 days. It is compact, comes with a travel case and 2 replacement heads.

The Best Travel Adaptor

I actually had a much more expensive adapter that I had been using for several years, and didn’t want to send it to Europe with my on last year, certain he would lose it, so I bought him this one instead. It is totally brilliant, so now I use it when I travel!

Best international travel adapter.
Castries Universal Travel Adaptor

The Castries Universal Travel Adapter, All-in-one Worldwide Travel Charger Travel Socket, International Power Adapter with 4 USB Ports, AC Plug for US EU UK AU & Asian Countries, Blue works all over the world, has two USB charging ports, and is quite compact. We have it in blue but I think it comes in other colors too.

One of the things i like about this adapter is that it is self contained. You don’t have to take it apart and find the attachment for the country you are in, which means you don’t lose random pieces – you just slide that country from the selection on the side.

Best Reading Device

Do you own a Kindle? I don’t. I read books on my iPad via the Kindle App. The only problem is my iPad is getting old as will need to be replaced soon. I read everything via the Kindle App now, so it makes sense for me to actually invest in a Kindle device sometime soon.

You can get a regular Kindle for as little as $89 retail price, but I have been doing some research and there is a new one coming, the Kindle Oasis.

Kindle Oasis with warm light option, waterproof
Amazon Kindle Oasis with warm light option

The All-new Kindle Oasis – Now with adjustable warm light is scheduled to go on sale on July 24th, but I am pretty sure there will be Amazon Prime Day pre-sales on it. It is a little larger than other Kindles with a 7 inch screen instead of a 6 inch. It is waterproof, but has the new advantage of enabling you to change the light from bright white to a warm creamy tone.

I have always worried about glare if I am trying to read on the beach and also the waterproof aspect if I am trying to read near water (pool/lake/beach/boat). Most Kindles are now glare resistant and also waterproof, so if this one is more expensive than you wanted there are definitely other options that are still ideal for travelers.

One extra benefit with this new model is Amazon is giving you 6 months free of Kindle Unlimited, which means you can download books galore (including my books!) for free. Once your free Unlimited subscription expires you still get to keep the books you downloaded.

Best External Battery

An external power bank/battery for your phone is essential when you’re traveling. Not only do you need to be able to stay in touch with the world, you need to have your phone functioning when you are trying to use GPS and maps, and possibly even more importantly, you are likely to be taking photos and videos on your phone, which runs the battery down fast.

I am a huge advocate for boarding every flight with a fully charged phone and a fully charged battery pack. You never know what is going to happen en route to your destination, and anyone who has ever been stranded or had their flight delayed for hours will tell you you will wish you had access to a battery charger!

best external battery for smart phones and tablets
Amazon’s best selling external battery/power pack

Amazon’s top selling external battery is this one: Portable Charger Power Bank 24800mAh High Capacity External Battery Smaller Size Lighter Weight Backup Battery Compatible with Smart Phone, Android Phone, Tablet and More It is lightweight, has 2 USB ports and a huge capacity to power up phones and tablets, multiple times.

Best Travel Speaker

I am actually in the market for a new travel speaker and am hoping these Bose speakers go on sale on Amazon Prime Day. I like to have music with me everywhere I go, and normally have something fabulous playing while I’m making coffee in the morning before heading out sightseeing for the day, and while I’m having a glass of wine and journaling in the evening.

best bose bluetooth speaker for travel
Travel sized Bose bluetooth speaker

Bose speakers have fantastic sound quality, even with small speakers like this one. The Bose SoundLink Micro Bluetooth speaker is perfect for travel.

Best Anti-Theft Handbag

One big worry when you are traveling is being pick-pocketed or robbed, so having an anti-theft handbag can give you significant peace of mind.

Travelon anti theft cross body messenger bag
Travelon Anti Theft Cross Body Bag

Travelon anti theft handbags are world famous. They utilize multiple technologies to keep your belongings safe. Starting with the cross body strap (essential for travel), this one has a cable running through the inside of the strap, making it cut proof. The body of the bag is slash proof, AND has RFID blockers so your cards and passport cannot be cloned.

The bag also uses carabiners to lock the zippers so no one can slip their hand inside your bag uninvited. Travelon Anti-Theft Classic Essential Messenger Bag, Black, One Size

If you don’t already have Amazon Prime try a free 30 day trial here: Try Amazon Prime 30-Day Free Trial. If you have a friend or family member who doesn’t have Prime yet you can gift them three, six or twelve months of prime membership: Give the Gift of Amazon Prime

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