A Short Guide To Travel Insurance | A Short Guide To Travel Insurance BY NJ Travel GUIDE

A short guide to travel insurance Travel Insurance A Need to Know guide? Travel insurance protects holiday expenses against adverse events such as cancellation and interruption and also reimburses medical expenses, the loss ... damage of property and transit delays.

Many millions of traveller's and holiday makers purchase some form of insurance every year, but few people know really what it is and how it can be defined. If you know what is included, and what is not you will be able to make the most of your protection, and get reimbursed fairly.

There are four main categories of travel insurance:

1. Health and Medical reasons

Emergency evacuation: This garuanteed emergency transportation to either a local hospital in the event that the traveller is unable to get there by themselves or back to a hospital near the travellers home town. If family members are covered on the same policy they can travel back home also.

Medical reasons: This reimburses emergency medical and dental costs. Nearly all holiday insurance plans work by reimbursing the traveller after they have paid locally for treatment. Claims are usually paid within 7 10 working days. Pre-existing medical conditions are covered by most policies if the policy is purchased within (at the most) 21 days from the date the traveller made the first payment or deposit.

2. Delays and cancellation or curtailment

Cancellation: Re-imbursement comes into effect if traveller's have booked and paid for a holiday, but are unable to embark because of personal illness or injury, death (of the individual or of a family member), adverse weather conditions, transport strikes, terrorism, bankruptcy, sudden unemployment, jury duty or by sustaining serious damage to their home causing it to be uninhabitable due to fire or flooding.

Delay: This reimburses traveller's for hotel, food or clothing expenses in the event of a flight delay. Some plans also cover costs associated with catching up with a cruise should another delay cause the traveller to miss embarkation.
Interruption: Insurance companies pay money to policy holders abroad if they have to cut short their trip due to illness, death (of the traveller or a family member), terrorism, weather, airline strikes, bankruptcy, sudden unemployment, and other adverse conditions which mean that, due to events outside the control of the holiday-maker, a trip has to be curtailed.

3. Death:

Accidental death covers death or dismemberment at any time of your trip. Usually garuantees the lowest amount of coverage due to a higher risk
Air Flight accident this covers death or dismemberment during an air flight only. Usually garuantees the highest amount of coverage due to fairly low likelihood of this occurring.

Common carrier Covers death or dismemberment while travelling on public transport such as a plane, ferry, train bus or taxi.

4. Loss or damage of property:

Baggage loss reimburses traveller's for lost, stolen or damaged personal items. This coverage is usually restricted to the duration of the trip and not confined to baggage damaged or lost by the airline. There are two policy limits, total claim and per item maximum. Some policies also place limits on the type of items that can be claimed for such as precious jewellery, laptops and sporting goods

Hire Car damage This reimburses traveller's for damage or loss to a rental vehicle. It is designed to allow the traveller to decline collision damage waiver (CDW) coverage offered by the car rental companies. Liability coverage should still be purchased through the car rental company. Rental Car Damage coverage is also often included with the credit card used to pay for the car rental which is often matches the coverage provided in the policy.

Assistance services garuantees a 24-hour collect telephone advice and assistance service to travellers. This service can be used anytime a traveller needs advice. Make sure you keep a copy of this number in several places in your luggage or on your person when you move around.


Travel Accessories

Travel in Italy Free island guide of Ischia for BY NJ Travel Guide

NJ Travel Guide offers Free travel guide of Cagliari in Italy  Cagliari is the capital of the island of Sardinia, a region of Italy. Cagliari is renown for its open and friendly international people, art museums and Art Galleries, the sea, the .. the movida and cheap lodgings, classic itineraries and a lot more to make a visit worth wise.

Cagliari’s Sardinian name Casteddu literally means the castle.

In general, Flashbooking guides have been written for giving the essential information about the most visited cities in the world and in particular for any traveller or first-time visitor.

It has about 160,000 inhabitants, or about 350,000 including the suburbs.

For a short visit, a week-end, a city break, these free pocket guides are useful printable and downloadable tools available online.

Cagliari has some peculiar gastronomic traditions. Many dishes are based on the wide variety of fish and sea food available, for example, burrida.

With the monthly newsletter, Flashbooking puts at travellers, students, volunteers free disposal some useful pocket travel guides of major European cities: the Amsterdam City guide, the London City guide, the Prague City guide, the Paris City guide, the Rome City guide, the Florence City guide, and the freshly issued Naples City guide!! For the Cagliari travel guide Flashbooking staff efforts concentrate on making it simple to read dividing the Cagliari centre in different districts with their relevant amenities.

Although it is possible to trace influences from Spanish gastronomy, Cagliaritanian food has a distintctive and unique character.

Flashbooking cheap lodging solutions are all available for online bookings and divided by Countries. Travellers have free access to the updated list of Europe hostels and budget hotels, North and South America hostels, Caribbean and Central America hostels as well as for Asia cheap accommodations, Oceania youth hostels and Africa hostels.

NJ Travel Guide offers that very good wines are also part of Cagliaritanians’ dinners: excellent wines are in fact produced in the nearby vineyards of the Campidano plain.

In particular Flashbooking provides a large selection of cheap or low cost accommodation offers in Cagliari where there are plenty of low cost solutions for backpackers in budget youth hostels, Bed and Breakfast, family run guesthouses, cheap hotel deals.

See Flashbooking database of selected accommodations worldwide and help us enlarging the hostel offer by reporting the contacts of some accommodations, lodgings, BandB, youth hostels and budget small hotels where you personally stayed.  NJ Travel Guide state that in fact, Flashbooking policy tends to privilege small and family-run hotels in order to promote an alternative tourism respectful of cultures and different societies.

Flashbooking is becoming a recognized source of information and services for who loves creating a trip by him/herself and book bed nights securely online.

Flashbooking is a growing youth hostels and hotels directory specializing in budget accommodation for independent travellers, students, backpackers, families and all the ones that travel on a pocket.