Traveling is one activity that every individual must undertake at one time or the other; it does not matter what the purpose of travel is, or whether the travel is local or international. A lot of people actually look forward to traveling to other parts of the world for various reasons and purposes, including but not limited to business, tourism, vacation, pilgrimage, education and for medical attention.
The euphoria to travel outside of one's domain usually comes with a lot of preparations, and more often than not, a great deal of resources are deployed to ensure that the travel is actually takes place; and these include acquisition of an international passport, medical tests (where applicable), expensive visa processing fees, flight booking and hotel reservation.
A lot of people will do anything and everything just to actualize their international travel ambition. And to be very candid here, international travel is actually fun and something to look forward to. Traveling, especially international travels, is a form of education for the travelers as they have an opportunity to see new environments, meet new people, and learn how things are done elsewhere.
International travel affords the traveller a lot of opportunities irrespective of their original purpose of travel. These include business opportunities, educational opportunities, employment opportunities and even maritime opportunities. Unfortunately, however, it is only these and many other opportunities that these (would-be) travelers see. They seem to be ignorant or care less about risks that are embedded in international travels, so they do not take any steps towards mitigating such risks.
At this joke, you may be tempted to ask the question: "What are those risks that are associated with international travels?" Very good question. Just read on, as most of those risks are discussed in the following paragraphs.
Risks Associated with International Travels
As interesting, fun, enjoyable, profitable and educated as international travels may be, they also come with their own downsides – the risks – just as every other thing in life. And very fortunately for travelers, most of these risks can be transferred to professional travel insurance providers, by way of buying a travel insurance – also referred to as "travel health insurance" or "travel medical insurance".
These international travel risks are many and varied, and they include, but not limited to:
- Sudden illness in the country of destination requiring urgent medical attention and / or hospitalization.
- Involvement in an accident leading to bodily injuries, temporary or permanent disability, or death
- Loss of checked-in baggage
- Loss of valuable items such as international passport, drivers' license, national identity card, etc.
- Personal liabilities abroad
- Emergency dental cases
- Arrest by law enforcement agencies requiring sealing and legal defense
Another question that may be asked at this joke is: "Do travel insurance policies cover all the above-mentioned risks?" And the answer is a big YES, and so much more.
Covers and Benefits Provided by Major Travel Insurance Policies
Below is a list of most of the covers and benefits provided by travel insurance policies – depending on the providers. So the next time you buy a travel insurance policy, look out for these covers and benefits.
- Medical Expenses and hospitalization abroad
- Emergency Medical Evacuation
- Repatriation after treatment
- Emergency dental care
- Repatriation of family member traveling with the insured
- Travel of one Immediate Family Member
- Emergency Return Home following Death of Close Relative
- Repatriation of Mortal Remains
- Medical Assistance
- Legal Assistance
- Pre-Departure Services
- International General Assistance
- Abroad Information Assistance about lost Luggage and Passport,
- Delivery of Medicines
- Legal Defense
- Advance of Bail Bond
- Hijacking in means of Public Transport
- Loss of Passport, driving license, national identity card abroad
- Compensation for in-flight loss of checked-in baggage
- Compensation for delay in the arrival of luggage
- Delayed Departure
- Location and forwarding of baggage and personal effects.
- Accidental Death
- Permanent Disability
- Personal Civil Liability
- Trip Cancellation Expenses
Risks Not Covered By Travel Insurance Policies
Having talked about the covers and benefits afforded by travel insurance, it is also important to consider the risks that are not covered by most of these policies, as listed below:
- Participation in criminal acts, or as a result of his / her fraudulent, seriously negligent or reckless actions including those actions of the Insured in a state of derangement or under psychiatric treatment costs for which are themselves excluded;
- Natural phenomena such as floods, earthquakes, landslides, volcanic eruptions, atypical cyclonic storms, falling objects from space and aerolites, and in general any exceptional atmospheric, meteorological, seismic or geological phenomenon any other type of natural disaster;
- Events arising from terrorism, mutiny or crow distortions;
- Events or actions of the Armed Forces or Security Forces in peacetime;
- Wars, with or without prior declaration, and any conflicts or international interventions using force or duress or military operations of whatever type.
- Participation in bets, challenges or brawls, save in the case of legitimate immunity or necessity;
- Pre-existing Illness or injuries
- Participation in competitions, sports, and preparatory or training tests;
- Motor racing or motorcycle racing, horse riding, climbing, pot holing, boxing, wrestling in any of its modes, martial arts, parachuting, hot air ballooning, free falling, gliding and, in general, any sport or recreational activity that is known to be dangerous;
- Participation in competitions or tournaments organized by sporting federations or similar organizations.
- Hazardous winter and / or summer sports such as skiing and / or similar sports.
- Work-related accidents
- Internally and locally recognized epidemics.
- Illnesses or injuries arising from chronic ailments or from those that exist prior to theception date of the policy;
- Death or injuries as a result of suicide or attempted suicide or any self-infected injuries.
- Illness, injuries or pathological states caused by the consumption of alcohol, drugs, toxic substances, narcotics or medicines accepted without medical prescription, as well as any kind of mental illness or mental imbalance;
- Illness or injuries caused by pregnancy and childbirth or any complication therefore or voluntary termination of pregnancy;
Where to Buy Travel Insurances
Travel insurances can be bought online – and there are many travel insurance providers to buy from. All you need to do is locate your preferred provider, and complete the online form or questionnaire, and make your payment, and policy is made available to you for immediate printing or sent to your email address.
You can also buy travel insurance offline from a local insurance company or travel agency. whatever method of purchase you choose, you can rest assured that you will be fully protected against insurable gravel insurance risks.
Using Your Travel Insurance
After you have bought your travel insurance policy, whether it is self-purchased using the provider's online portal, at a travel agency or through a local insurance company, you should make sure that you do not forget to take the document with you while traveling. This is so important because you may be required to produce that document by relevant bodies.
You should take particular note of your policy number (if possible copy the number somewhere else) as it will be required by the service providers to property identify you when you call them for assistance.
Another thing you should take note of on your travel insurance certificate or policy document is the Assistance Company's telephone numbers that you need to call when you need help. These numbers are always conspicuously written on the travel insurance document – so take note of them.
You should endeavor to read as much of the document as possible so as to understand the covers provided, the terms and conditions of the policy as well as its exclusions. And very importantly, when making a claim on your policy, be honest and avoid every form of fraudulent practices .
Summary and Conclusion
There are other benefits that travel insurance policies provide which can not be exhaustively discussed here. But having read the few benefits discussed above, you will agree that really, Travel Insurance is a must-have for a successful trip. So the next time you are planning an international travel, make the purchase of a travel insurance a top priority. It is quite affordable, and anyone can buy it. The peace of mind and the protection it will afford you are awesome.
Definition of Full Coverage Auto Insurance:
Full coverage auto insurance has a bad reputation of being extremely expensive; however it is a big misconception. The truth is that it is possible to obtain cheap full coverage car insurance, it's just most of the car owners fall for the same trick that auto insurance companies utilize. Keep in mind that such insurance plan is just a policy assembled of several types of coverage and agents typically provide you an already completed package that not only can be expensive but not at all satisficing for you. So if you go to even cheapest car insurance companies, the full coverage will still be quite costy.
What Full Coverage auto insurance should consist of:
As it was mentioned above, cheap full car insurance is something you must organize yourself. To make it simpler only certain types of coverage are essential for it to be complete. The first one you should have is the comprehensive and collision coverage. With collision, you are reimbursed for any kind of damage that your vehicle took from an accident and the comprehensive one covers any damage done to the car other than the collision. The next one will be liability insurance coverage, which covers all of the legal expenses relating to the car, be that the lawyer fees or repayments if the case was lost. The last one you should look into is the uninsured motorist insurance coverage. Essentially, it helps you out if you were hit by the car that was not covered or if the coverage is not sufficient enough, in which case your own provider pays for the damages. There are many other types of coverage that you can include, however if you wish to obtain affordable full coverage auto insurance for the best quality, those three must always be present in it.
How to reduce the price of full coverage auto insurance:
Most of the car insurance companies will provide hefty discounts if you increase the down payment of the insurance. Same will happen with increased deductibles, although you have to know the balance. Best solution would be not to search for cheap car insurance companies but search for firms that provide special offers and reductions for customers who purchase full coverage auto insurance with them. As you can see yourself such insurance policy does not differ much from the normal one with the exception of knowing what types of coverage you need in it, otherwise the same tricks in decreasing the price apply to it.
The most common form of the online casino is obtaining downloadable software usually for free once the gambler surfs to any online casino on the internet. In fact, many sites offer the download as an automatic process to encourage gamblers to play for fun or money, besides bonuses and other incentives.
An online casino offers as the main advantage, to allow you to take the gambling room to the comfort of your home by just installing the software that connects to the online casino service, which handles all contact without any browser support. This makes any game easy and faster to play. Audio, video and graphics reside inside the application and there you will not have any waiting time for the games to load as you do when you are playing through the web browser.
Downloadable software offered by an online casino may include a single game or a number of popular games including poker, video poker, blackjack, baccarat, slot machines, roulette, and craps, among the most popular casino games, also available outside many land-based casinos where they are playable on simulation machines.
As soon as the first online casinos started to operate, online casino software began its development. One of the first companies producing casino games was Random Logic, founded in 1996 and currently licensing its software consisting of 6 video poker games, 5 progressive jackpots and 15 new slots, to Cassava Enterprises with exclusive rights.
This company also implements and develops online transaction processing systems and other tools for tracking and analyzing internet-marketing campaigns, including but not limited to the gambling industry. This is another branch of online casino software for gamblers seeking to analyze their chances to win.
Casino software generally provides a predictable long-term advantage to the house, but offering the gambler possibilities of a large short-term payout. The advantage of online casino software is the way gamblers get an illusion of control with the given choices, although such choices do not eliminate the long-term disadvantage risk, or in other words the house advantage.
Some gambling companies are developers of their own software, for example, CTXM a software company with roots in the Insurance financial area and owner of gaming related domains operating since 1997. CTXM not only develops internet payment systems for several of the biggest online gaming companies but also online casino software including sportsbooks, race books, and casino platforms, system maintenance and other projects including security consulting and game application development with a Microsoft Xbox Division.
At the present, the gambling industry has listed a large number of online casino software developers including companies like Dynamite Idea, WagerLogic, NetEnt, Sunfish, Digital Gaming Solutions, Parlay Entertainment, Gamesys, Dobrosoft, IGW Software, Eclipse Gaming, Boss Media, IQ-Ludorum, SkillJam Technologies Corporation, World Gaming, Ongame, vsGaming, RealTime Gaming, Chartwell Technology, Microgaming, Orbis Technology, Finsoft, Wirex and Electracade just to name a few.
It's taken a long time to realize that some of the things that we humans did in the past are not the best practices for a healthy environment. Most everyone is now aware that it is important to include environmentally friendly practices in all that we do. This is as true for auto repair shops as it is for our households.
How can an auto repair shop reduce the negative impact on the environment?
Here are some good practices that an auto shop can adopt:
Recycling antifreeze, oils, lubricants, air conditioning refrigerant, tires, oil filters are pretty much obvious and often required by law, but what about cardboard, paper, plastics, metal, fluorescent bulbs, glass and other objects so easy to just dump into the garbage bin? It takes a bit of time to sort everything, but if you have a system set up, then it only takes a few minutes every day.
In addition to recycling your own shop use the products, make a return center for items such as used automotive lubricating oils, filters, antifreeze, used plastic oil and antifreeze containers and all types of batteries. In our shop we gladly accept liquids up to 20 Liters maximum, in sealed containers during business hours. It just makes good sense and provides convenience to customer who may otherwise have to go out of their way way to get rid of these items.
While we do not dispute the method or intention, we are not convinced it is a viable option for sophisticated modern engines like most cars have today. A better alternative is to have the waste oil removed by a government certified hauler to be consumed as fuel in large industrial plants. This gives the oil a new life and it is re-used in a responsible way.
Good Use of Recycled Products
Where it makes sense to use recycled products we do, for example recycled engine antifreeze and coolants where the process is up to standards of the original equipment manufacturer of the vehicle it is going to be used in. This is about two thirds of the coolant we use.
Let's face it, automobiles are mobile hazardous waste generators, even when they are sitting still. We have not found a way yet to achieve a near zero auto carbon footprint but it is our responsibility to reduce that negative impact as much as possible. That responsibility is shared by the car owner as much as it is by the shop that services that car. A car running in top shape does more than just reduce carbon emissions, a car service shop that adopts environmentally friendly practices contributes to a community's well being.