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As a past travel professional, I heard many, and I stress many horror stories about travellers that didn t take travel insurance to protect their well-being and vacation investment!

Nothing was worse than getting that phone call from our travel tour operator telling me that our clients had an unfortunate accident, or suddenly became ill, and they did not have travel medical, and not enough money to cover their medical bills at destination, or enough credit on their card to purchase a one-way flight home.

All these incidences were avoidable if they just took the time to understand how extremely important having an emergency medical policy, or trip cancellation coverage while on their vacation.

I know many individuals comment that they never get ill, or injured on past vacations, and my feedback to them is that they have been very fortunate. I myself have never been severely injured, or ill during my vacations, but I don t take any chances.

Just like home insurance, or car insura (more...)

You can pay as you talk with a cell phone plan, so why not pay as you drive auto insurance? It sounds like a good idea but would pay as you drive auto insurance work for you?

The idea behind pay as you drive auto insurance is simple. Basically its this- if you do not drive very much, you will not pay high insurance premiums. Advocates for this type of insurance policy think that there are many merits to this type of program. Less air pollution, lower gas consumption, and lower costs to the consumer among them.

What if you car pool to work, or take public transit? You are not using your car very much so why are you paying high premiums. With a pay as you drive auto insurance premiums you would be able to quite literally pay as you go. Another situation where this plan would be of benefit is that of many retirees who have winter homes in temperate climates, the snowbirds living in Florida or Arizona six months of the year and six months in New York or Toronto for example.

Essentially (more...)