Even the most seasoned travelers sometimes feel confused about travel insurance — what’s out there, what it covers, whether or not they need it. Even as a veteran travel agent and a licensed travel insurance broker in New York State, I am frequently speaking with my travel insurance suppliers to make sure my clients receive as much coverage as possible.
While coverage and policies vary from state to state, of course, to get started let's break down the types of travel insurance coverages available.
There are five main types of travel insurance. What you might need depends largely on what kind of trip you’re taking, what kind of traveler you are, and how frequently you travel. The five main types are:
1) Trip cancellation and interruption (full or partial reimbursement for a trip you need to cancel prior to departure, a trip that gets cancelled because a tour company or resort goes out of business, or a trip that gets cut short for a wide variety of reasons)
2) Medical (for health issues that occur outside of your normal coverage area)
3) Evacuation (due to disaster, dangerous weather, political emergency, or medical emergency)
4) Baggage (reimbursement for lost, stolen, or damaged baggage)
5) Flight insurance (also called “crash coverage,” this is basically a life insurance policy that covers you while you’re on the plane, in the event of a statistically-rare crash)
Travel expert Rick Steves explains the way they generally work is like this:
“The various types are generally sold in some combination — rather than buying only baggage, medical, or cancellation insurance, you’ll usually purchase a package that includes most or all of them. If you want just one type of coverage in particular — such as medical — ask for that (though it might come with a little cancellation or baggage insurance, too). ‘Comprehensive insurance’ covers all of the above, plus expenses incurred if your trip is delayed, if you miss your flight, or if your tour company changes your itinerary.”
HERE ARE SOME TIPS WHEN PURCHASING TRAVEL INSURANCE
Your Health Insurance Will Probably Not Cover You On Your Vacation
Just because you have health insurance at home does not mean that it will cover you on your trip. You need to check the ins and outs of your particular health insurance policy. It may cover you while you travel, but many do not. In fact, some insurance policies don’t even cover health emergencies experienced on foreign-flagged vessels — which is what most cruise ships are. Check with your provider, ask your travel agent for suggestions, and of course direct any insurance-related questions to the provider. As Steves puts it, “Before purchasing a policy, ask your insurer to explain exactly what’s covered before and after you get to the hospital.”
The Best Practice Is To Purchase A Third Party insurance
Avoid purchasing travel insurance from the company that’s also hosting your trip. The reason for this? If that company goes out of business, chances are, so does their insurance. There are major travel insurance companies that will provide all the insurance your need.
What Is The Best Travel Insurance Coverage?
Some companies offer comprehensive coverage that can serve as your primary coverage while you’re traveling. What does this mean, and how can it benefit you? It means that the insurance company will pay first, regardless of what other insurance you have. They don’t even inquire about additional insurance, saving you tons of paperwork and out-of-pocket expenses. TravelGuard and Travelex are two such companies that provide these policies as an option.
Do You Really Need Travel Insurance?
Weigh the cost of the trip with the cost of insurance. If you just bought a $79 ticket for a quick weekend in Chicago — is it worth it? Maybe, maybe not. If, however, you’re headed out on a once-in-a-lifetime trip that you’ve been saving for for months.
Confused about travel insurance? At Million Miles Travel Agency has a New York State licensed travel insurance broker that can guide you through the process of purchasing the travel insurance product that works best for you and your travel needs.
Contact us today.
People travel all over the world for a variety of reasons: some are looking for the adventure of a lifetime, while some are looking for a little rest and relaxation; some desire heat, while some desire the slopes; some want to discover their roots, while others want to learn a new culture.
However, a common denominator in most individuals when planning a vacation is booking a location with delicious food. After all, nearly all of us have an inner foodie somewhere within us. It is no secret that I like to experience what a culture has to offer by eating and drinking. Usually when someone asks me about a trip I took I usually start by talking about the food I eat and what I drank.
Culinary vacations are becoming more popular than ever; traditionally, this is no surprise. It has always been said that the heart of a home is the kitchen. Those ideals do not vanish when we travel, as food is an essential part of any community. Instead, often the most memorable moments of a vacation revolve around food and the people with whom you share the food.
The beauty of a culinary vacation is that you can be exposed to foods, food combinations and spices that you never knew existed. However, when you return home, a faint smell will transport you back to that experience. Below is a list of some of the best travel destinations in the world for our inner foodie.
Just north of the border lies Montreal, the largest city in Canada’s Quebec province. Montreal is a cultural melting pot, which is obvious in the food. Montreal’s culinary scene reflects influences from French, Carribean and American culture, making for a fun and delicious foodie adventure. While in Montreal, try classics such as poutine, fries with cheese and gravy; pea soup; smoked meats; and of course, a dessert made with delicious maple syrup.
Meanwhile south of the border to Mexico City is where you want to go if authentic tacos, burritos and guacamole would win over your heart. Mexico City offers a unique combination of great restaurants (that also serve great tequila), street food and fun, informative cooking courses.
Outside of Napa Valley or Tuscany, Mendoza, Argentina is commonly thought of as one of the best wine-producing cities in the world. However, Mendoza also offers a delectable food scene and a world of adventure. “Bodegas,” or wineries, often offer the best of all three: world-renowned wine, delicious food and unique events. Its rich culinary tradition includes Argentinian delicacies such as Choripan, a chorizo sandwich; Empanadas, meat and vegetable pastries; and Locro, a stew made with meat and vegetables.
Outside of Peru, the rest of the world is finally realizing the delicate art involved in Peruvian cooking. For a trip to the source, visit Cusco, Peru, also a common destination for adventure-seekers. Peruvian food is a delicious combination of Spanish and Incan influence, with popular dishes including Solterito, a salad of corn, fava beans and chili pepper; Anticuchos, beef skewers marinated in a chili sauce known as “aji”; and of course, Ceviche.
Known for its “tapas,” or small plates, Spanish cuisine has often been sought after by global travelers. San Sebastián, Spain is arguably the best foodie travel destination in the world. Similar to New York City, San Sebastián has a mix to Michelin Star restaurants (in fact, the most per capita of any city) and bars that serve exquisite food worth the plane ride alone. As an added bonus, San Sebastián is a short driving distance from some of the countries most visited vineyards.
In a continent full of popular food destinations, Copenhagen, Denmark often misses the list of possible foodie destinations. Yet, Copenhagen is home to several restaurants that people travel specifically to dine at. Both Noma, an upscale and modern restaurant, and Relae, a relaxed and organic dining experience, have gained recognition as one of the 50 Best Restaurants in the World. On top of that, Copenhagen has a vast, internationally-focused food truck scene that is alone worth the travel.
Bangkok, Thailand is the birth-place of a now world-renowned and loved cuisine. And while Thai food is both prevalent and delicious in the United States, the ability to eat authentic Thai dishes from a vendor in a night market is one of the most authentic food experiences in the world. Bangkok offers food tours, cooking classes and Michelin Star restaurants so that a traveler may experience the best Thai food in various settings.
Possibly the largest street food mecca of the world is Manila, Philippines, with an abundance of options that are sure to please every diner. The “king” of Manila street food is Barut, a fertilized duck egg. Barut, while appealing to only the most adventurous foodie, is the iconic delicacy in the country. For less adventurous eaters, however, there is a host of delicious cuisine, including Ihaw-ihaw, or barbequed meat; Turon, banana fried with a lumpia wrapper; and Chicharon, crispy pork rinds.
A popular travel destination for decades, South Africa is home to delicious food and a beautiful wine country. Approximately one hour from the commonly traveled Cape Town, lies the Stellenbosch Wine Region of South Africa. In Stellenbosch, the chefs build delicious dining experiences around the abundance of wine so that the food not only lives up to the wine, but compliments it.
In Melbourne, Australia you can find an abundance of delicious international cuisine throughout the city, but most notably along Flinders Lane. Also home to an over two-week long Food & Wine Festival, global chefs travel to Melbourne every March to show off their talents, unique perspective on food and unforgettable dishes.
A foodie vacation that will create memories that will last a lifetime should be on your list of vacations in the near future.
If you need assistance with the decision on where to travel, or how to book, contact the top travel agency in New York - Million Miles Travel Agency.
A word! I am very excited to have a featured post by Shanta Covington of Shanta Covington Photography and Video who is an amazing photographer and videographer servicing the New York City area. When looking for partners in the romance business, Shanta was the logical choice because our missions are the same which is to provide and capture amazing memories.
So if you are looking for a wedding or engagement photographer in the New York City area give Shanta a call. When you book a photography session with Shanta you will receive $100 off your 5 day or more honeymoon or romantic getaway.
Now without further ado!
Hello Million Miles travel agency followers! I’m Shanta Covington of Shanta Covington Photography and Video.
In addition to booking great travel plans for your honeymoon, one of the services that newly engaged or soon-to-be married couples must have is great photography. Here are my top three reasons why.
1) Leave it to the Pros
While Aunt June or Uncle Joe May have brought the latest and greatest camera, will they have enough time to tear themselves away from the dance floor when their favorite song comes on? Or will they have the knowledge of what different settings are necessary to shoot indoors versus outdoors?
Listen, I get that as you’re thinking of all things wedding, photography is one of many things on your to do list. But I want to implore you that it should be at the top because “getting it right” shouldn’t come at the expense of someone who doesn’t have your special day at the front of their mind. Get yourself a professional photographer who will be focused on you the entire day or session.
2) Realize your vision
We live in a very visual world. A professional photographer can help you get that shot in the middle of a busy NYC street where time stands still and you and your partner are the focus. Or the shot in your favorite park or outdoor landscape where it looks like it’s only the two of you highlighted by an area that is meaningful.
Planning, conceptualizing and capturing your vision is what a professional photographer can do for you.
3) Create Memories
This is perhaps my favorite reason because it really is the crux of why I do what I do. Capturing your story, your love and creating memories for you that you can look back on when you’re in your 60’s, 70’s and 80’s is what this is all about.
A photo really does convey a thousand things. But the one undeniable things that gets captured is your love for one another that is crystallized in an image forever.
Learn more about Shanta and her services.
Lover of the Caribbean, Central America, and South America. Always looking for the best places to eat wherever I go.