Travel Insurance and What You Need to Know.

Travel insurance is insurance that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while traveling, either within one’s own country, or internationally. Temporary travel insurance can usually be arranged at the time of the booking of a trip to cover exactly the duration of that trip, or a “multi-trip” policy can cover an unlimited number of trips within a set time frame. Coverage varies, and can be purchased to include higher risk items such as “winter sports”.

Would you like to add travel insurance to your purchase?

Here are 9 Reasons to buy travel insurance

1. Your flight has been cancelled.
2. Your bags are lost and your medication is in it. You need to have an emergency prescription filled.
3. Your passport and wallet are stolen, and you need emergency cash and a replacement passport.
4. You’re involved in an accident and adequate medical treatment is not available. You need medical evacuation.
5. You need to cancel your trip due to illness.
6. Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable expenses covered and to get to your destination.
7. You have a medical emergency in a foreign country.
8. A terrorist incident occurs in the city where you’re planning to visit and you want to cancel your trip.
9. A hurricane forces you to evacuate your resort, hotel or cruise.

And the basics types of insurance:

1. Flight insurance
2. Trip Cancellation and Interruption insurance
3. Health Care insurance
4. Baggage insurance
5. Non-refundable insurance
6. Golf travel insurance
7. Adventure/extreme sports travel
8. Credit card coverage
9. Terrorism tips

You can purchase your travel insurance getaway any time you like, but if you wait until there is a hurricane alert to purchase it, you won’t have coverage for hurricanes. Of course, purchasing your travel insurance earlier rather than later is ideal because travel insurance only covers unexpected events.

Generally, travel insurance is sold in packages, combining various categories of coverage. Go through them all, determining what you need and what you don’t, either because you’re not at risk or you’re already covered. If a package doesn’t seem worth it, more customized policies offer certain options. But you may not end up saving that much.

It’s best to estimate the total trip cost and get the insurance protection you need and make changes to the policy if you incur higher-than-expected trip costs later. If you end up with lower trip costs, then you can make changes to the coverage and get a partial refund of your premium as well.

Germany Travel Guide

Still misunderstood by many, Germany stands as one of the most endlessly engaging countries on the continent. Anyone expecting a homogenous nation conforming to rigid Teutonic stereotypes is in for a shock. As a travel destination it’s somewhere with huge personality, notable for a clutch of truly lovable cities, culture served up in hefty portions and rural scenery so heart-melting you’ll be left bemused why some people still think of the place as lacking allure.

It’s the country’s urban highlights that tend to draw the attention first. Berlin is the very definition of a dynamic city, having forged a goodtime reputation for ground-breaking creativity while still keeping sight of its past. Elsewhere, the likes of Cologne, Munich and Hamburg – to mention three of many – provide the capital with able support. Not only are they rich in historical buildings and eyes-to-the-future nightlife, they also give firm dissent to the notion that Germany doesn’t do gastronomy. These days, you dine and drink well in Deutschland.

The country occupies a prime position in the heart of the continent, both literally and figuratively. It’s home to the largest economy in Europe, has more inhabitants than anywhere in the EU and shares land borders with no less than nine other nations. It’s perhaps little surprise, then, that today’s Germany is far more diverse, far more cosmopolitan – and in many cases far more liberal – than elements of its past reputation would suggest. You’ll find a destination that well understands how to blend tradition and convention with modernism and self-confidence. There’s good reason why the tourist board now fills its marketing material with buzzwords like ‘youth’, ‘inspiration’ and ‘innovation’.

For the uninitiated, it’s somewhere full of surprises. The brightest seams of the country’s history are full of reward, whether in the form of classical music, fine art or medieval architecture. Similarly, the humour associated with some of its more clichéd attractions – from oompah-soundtracked beer halls and vorsprung durch technik design to octogenarian-frequented spa towns – belies the fact that the reality often holds massive appeal. The beauty of the German countryside, too, is a huge selling point. From the fabulous peaks of the Bavarian Alps and the pale cliffs of the Jasmund National Park to the castles of the Rhine and the moors of the Mecklenburg Lake District, there’s much to draw outdoor enthusiasts. Hikers, cyclists, boaters, motorists and skiers will all find plenty to enjoy.

Germany’s history – particularly those chapters concerned with WWII and the Cold War – more or less ensures that some outsiders will still have misconceptions of the country and its people. A gloomy post-communist landscape of grey skies and greyer cities? A work-obsessed population who don’t know how to let their hair down? Menus of bratwurst, bratwurst and extra bratwurst? Dismantling notions like these is one of the great joys of travel in 21st-century Germany. Costs are manageable, overcrowded attractions are rare and – while it’s a sizeable country – getting from A to B is made straightforward by one of Europe’s most efficient public transport networks.