10 tips for a green vacation!

Aspiring to travel green may seem difficult if you are unsure how to approach it; however, it can be very simple and will have a big impact on your carbon emissions. It will require some initial effort as you become accustomed to the changes, but soon enough it will become second nature. Read all about our 10 tips for a green vacation in order to leave a positive impression on your trip, the places you’ve visited and our planet!

1. Cut down on waste

The simplest method to reduce your waste while travelling is to take the time to recycle your items. If there is no recycling bin around, take the opportunity to hold onto your items and find the proper disposal bins. This seemingly effortless task has an enormous impact on our planet. Simple tips like using reusable water bottles and containers can go a long way in reducing waste while travelling!

2. Electricity at home

People often forget to turn off major appliances and simple plugin items before leaving for a holiday.  Simply unplugging items such as TV’s, hair appliances, sound systems and kitchen appliance have a huge effect on the amount of electricity being used. It only takes a few extra minutes before departure, and you have made a green contribution to the planet while enjoying your holiday away.

3. Green methods of transportation

At the beginning of the planning process, it is important to start thinking about green methods of transportation during your holiday. If you are driving to your holiday destination, consider using a hybrid or electric powered vehicle as opposed to a regular gas car. If your holiday destination requires flying, try to book flights that are non-stop. The production of carbon emission used for take-offs and landings are the main accomplices for the total amount of carbon emissions used during a flight. By choosing a non-stop flight, you are minimizing, to the best of your ability, the amount of carbon emission being produced.

4. Eco-friendly hotels

Many hotels around the world who are aspiring to join the “Go Green” movement are participating in the LEED certification program. This is a program that grades hotels on sustainability, water savings, energy efficiency, and how environmentally friendly their productions run. This is an excellent source in finding an eco-friendly hotel for your travels. Small acts, such as leaving your do-not-disturb sign on the door in order to avoid getting your room laundered and cleaned every single day also goes a long way in reducing your carbon impact while travelling.

5. Ethical travel destination

One of the first steps you can do in order to have an eco-friendly holiday is to choose your destination wisely. What it means to choose an ethical destination is to visit countries that promote human rights, are environmentally conscious of their practices and supportive of local workers and communities. This is a fantastic way to travel while keeping into consideration how we affect the world through tourism and community building. If you are unsure about finding an ethical destination, ethicaldestination.org is a great source that explains and recommends ethical destinations.

6. Walk, bike transit around town

As easy as it is to jump into an uber or taxi to get to your next destination, consider taking a bicycle or walk around town. By simply avoiding unnecessary car rides, you are able to reduce your carbon emissions significantly, as well as the added bonus of exploring the town in which you are visiting!

7. Community-based tourism

When choosing activities to participate in while travelling abroad, we highly recommend community-based tourism in order to participate in sustainable tourism. There are many different tourist attractions that most countries offer, so make sure to do your research and choose attractions that preserve wildlife, utilize natural resources and hire & care for local workers.

8. Take your time in each city

It’s a common mistake to go to a foreign country and try and see every major city and every major attraction. Although over packing your schedule may seem tempting, we recommend not spreading yourself too thin! Wouldnt you rather see more of a few things than a little of multiple? Take your time in each place, enjoy and embrace the environment that you are currently visiting in ease, after all, you’re on vacation to relax!

9. Buy local products

There’s no better way to fully immerse yourself in the local culture than by participating in local products purchasing. Like local natives in a foreign town, enjoy the products that the country offers naturally, rather than purchasing imported goods and foods. Take the time to enjoy the local food markets for meals, and take advantage of weekend markets for gifts and souvenirs.

10. Have a proper medical care plan in place 

Although thinking about potential emergencies may seem daunting while planning a holiday, it is very important that you are fully covered for a medical emergency while travelling. Whether you are travelling to a high-risk zone or a popular holiday city, it is crucial to be prepared for anything. Not only does a medical emergency have a huge financial burden, but it can also have a negative impact on our carbon emissions. The unnecessary events of extra travel and supplies (cars, gas, non-recyclable materials) should try and be avoided as much as possible in order to lower our global emission footprint.  Click here for a free online quote and learn all about your travel medical needs! If you find yourself in the position where you are needing a hospital or clinic, we have created an introductory list of hospitals by region, and country to facilitate your search in your time of need. Click here to view all the hospitals by region. 

Keeping these 10 tips for a green vacation in mind while planning and enjoying your holiday will surely lower your carbon emissions impact on the planet, while still allowing you and your family to enjoy a fun-filled and adventurous holiday!

 

Five reasons why travel medical insurance for parents visiting the USA is important

Moving to the United States is a wonderful and exciting opportunity. Whether you are moving down there for school or work, the adventure is sure to be a memorable one. Once you’ve made the move to the United States, having your parents come to visit you will be an amazing opportunity for both you and your parents.

It is very important to remember to obtain travel medical insurance before travelling into the USA. Medical care costs in the United States are some of the most expensive in the world, and having an unexpected emergency can cause a tremendous financial burden.  Although an emergency can happen at any time, purchasing travel medical insurance will lessen the financial burden, and allow you and your family to focus on your recovery.

1. Obtain a comprehensive travel insurance policy

While travelling into the United States, it is highly recommended that you obtain a comprehensive travel insurance policy. This will ensure that you are covered properly for any emergency that may arise while you’re away on your holiday. A comprehensive medical plan will allow coverage for medical emergencies, coverage for pre-existing conditions as well as medical evacuation. The first thing to ruin a wonderful holiday will be an unforeseen emergency and not being able to pay the medical bills. This allows you to enjoy your holiday stress-free.

2. Buy separate insurance policies for both parents

We recommend obtaining a separate policy for each of your parents. When you purchase two separate policies for your parents, there may be a slightly higher cost for your medical coverage; however, you will have much more control. Whether that be the ability for one person to leave the holiday earlier then expected, or even if you are needing to cancel one parents’ coverage, two separate policies allow for flexibility and convenience.

3. Purchase a policy with the highest possible maximum

Naturally, the higher your coverage maximum is the more beneficial it is for the person needing coverage. That goes hand-in-hand to a higher cost for the travel insurance policy; however, the peace in mind knowing that you are fully covered for any emergency is seemingly priceless. Factors such as duration of stay, age and lifestyle will have an impact on the maximum coverage you are able to obtain, make sure to check in with an insurance broker to find the best possible policy for yourself.

4. Annual vs. single trip coverage

When searching for the best policy options, you should keep in mind the number of times you are planning on visiting the USA. Are you going once a year or multiple times within the one year? If you are only planning on visiting once, your single trip coverage will be suitable. However, if you are planning on visiting more then once, you should consider obtaining annual travel insurance coverage. The benefit of obtaining a multi-trip coverage plan is that it is often much more cost-effective in the long run. Who wouldn’t want to save money while travelling throughout the year?

5. Other important considerations include

Although there are plenty of things to consider while purchasing travel insurance for the USA, a few other key important considerations to think about are payout time & requirements, amount of premium, available upgrades and your knowledge on knowing what is and isn’t covered.

Payout time & other requirements consist of knowing whether or not you need to fill out a report on the incident for your claim, and which documents are required for your insurance claim. Are you needing to pay out the claim with future reimbursements or will your insurance company pay the hospital directly for you?

Your premium amount is the amount your insurance company is requiring you to pay beforehand. Typically, the higher the premium the more comprehensive your coverage is, but other factors such as region, age and lifestyle will also affect the cost of your premium.

Certain accidents may not be covered under your coverage plan, and it is very important to understand before departure what is covered and what isn’t. Often, plans will have the ability to add upgrades to existing plans depending on your needs. A few of these options include high-risk activities (sport and adventure activities) & traveling with pre-existing medical conditions.

Obtain a Quote Online!

 

 

6 Tips for a budget friendly vacation!

1. Budget before take-off

As many trips go, there will be a hundred different things you will want to explore on your time away. Whether that be a weekend getaway or a long overdue extended trip, you should never underestimate the value in budgeting before you take off. It’s vital while budgeting to look into multiple sources and sites when trying to obtain information about different costs while budgeting for your trip.

2. Utilise hotels bundle 

This goes hand in hand with doing your proper research, but make sure to take extra precaution when looking into hotel and flight deals. With the multitude of websites that are available to the public nowadays, you have an abundant amount of options to choose from. Whether it means not staying right in the centre of the city centre and taking a flight that’s not exactly at your ideal travel time, you may be able to save a fortune on these small compromises, which will ultimately allow you to experience many other adventures on your trip.

3. Realistic budgeting vs. optimistic budgeting 

As easy as it is to take the lowest estimated options when scanning through different sources, we recommend that you take a more generous approach to your budget, rather than optimistic. We know it can be very tempting to downplay the costs of your trip, but at the end of the day, it is always better to come home with a little extra cash or take that extra unexpected tour on your last day rather than coming home to unexpected credit card debt.

 4. Follow through

After taking all the time to budget and plan for your trip, the next important step in the savings guideline is to actually follow through with your budget. A common mistake done by many travellers is to create a fantastic and well-detailed budget plan, and then fail to execute once on vacation. Not to say that you need to stay on budget for every meal and every expenditure, but make sure to stay well within the confinements of your budget.

5. Watch for scams

As many cities & destinations are accustomed to having tourist and visitors around, it is important to be aware of the scams and tricks that many locals, especially in poorer countries, have in mind for visiting guests.  It’s important to note that many scams can be in the form of “too good to be true” savings. In order to be aware of these scams, keep in mind what the value of the product and/or service you are receiving, and make sure it aligns with the proposed costs.

6. Obtain travel insurance before leaving

One vital step we recommend you take before taking off on your trip is to obtain travel insurance coverage for the duration of your trip. It is important to obtain coverage for the entirety of your trip in order to avoid a lapse in coverage. Unexpected medical costs can become very expensive while travelling abroad, and you don’t want to be caught without medical coverage.

At Expat financial, a division of TFG Global Solutions Ltd., we are able to offer individuals or group plans for those travelling abroad. To receive a quote contact us directly at info@tfgglobal.com 

Planning a trip abroad? 5 travel insurance tips to maximize your vacation

Wanting to spend your summer months abroad? Planning an excellent summer family trip overseas? Don’t forget to bring travel insurance with you. There are many risks and medical issues that can occur while you are on vacation abroad and it is very important to prepare beforehand. In this article, we will discuss 5 travel insurance tips to maximize your vacation overseas.

Is your travel insurance policy covering your medical condition overseas?

Travellers with pre-existing medical conditions should take extra precautions while travelling overseas. It is highly recommended to visit your doctor and obtain prescriptions for any medications prior to your trip, while also remembering to check your current travel insurance policy to see whether or not you are covered for medical treatment overseas. If this is not the case, you should purchase another policy which covers your pre-existing medical conditions. Global Travel Insurance provides travel medical insurance plans for anyone, anywhere, and of any nationality or citizenship. Click here to read plan brochures. Contact Global Travel Insurance to obtain a free quote.

Planning on doing adventure sports? 

Travelling abroad to seek out adventure sports? It is important to know that you may need a personalized insurance package for such activities. As a result, it is recommended to obtain speciality coverage for you and your family. For detailed information and policy brochure, please click here. Contact us to obtain a free quote.

Are you travelling to the USA? 

Due to the high cost of medical treatment in the United States, it is very important for any non-U.S. citizens travelling into the United States to obtain medical insurance before leaving. Global Travel Insurance provides travel medical insurance for non-U.S. entering the United States for a minimum of 5 days, and up to a maximum of two years. Apply online to receive a free quote.

Does your plan include evacuation insurance?

The cost of emergency medical evacuation is very expensive, especially if you are visiting a remote or rural area. In case of emergency, make sure that your plan includes evacuation coverage to avoid potential high costs.

Travel insurance V.S. International Health Insurance Plans 

While travel insurance is designed to cover international travellers in a relatively short period of time, international health insurance plans aim to cover expatriates who are living and working overseas for an extended period of time. Please click here to obtain plan brochures. Contact Global Travel Insurance to obtain a free quote.

Obtain Travel Insurance from Global Travel Insurance 

At Global Travel Insurance, we offer travel insurance to citizens around the world. Global Travel Insurance offers insurance from a variety of reputable travel insurance suppliers. Get an instant online travel insurance quote now.

5 tips for luxury travelers in 2017

Gorgeous hotels, beautiful beaches, 5 star hotels and gourmet food are popular choices for luxury travelers. While focusing on the comforts of your trip is important, one should also think about having a unique and meaningful experience. As a luxury traveler, are you following the trends? In this article, we will discuss five tips for luxury travelers in 2017.

  • Mobile technology 

According to TripAdvisor’s survey, approximately 42% of travelers worldwide use smartphones to plan or book their trips. I would say for most luxery travelers, this number is probably quite low. Based on the study, Thailand and China rank top list of world’s most connected travelers. The use of smartphones, especially trip related apps, enabled international tourists to adapt the flexibility and freedom to travel. As luxury travelers, you will want to stay on top of tourists information before the trip. You should check with your cell phone carrier and purchase a travel plan for your trip, see if there’s a flat rate that will allow you to use your data abroad or simply purchase a sim when you arrive and put it into an unlocked phone.

  • Personalized local connections

Luxury travelers are often interested in a personalized and customized luxury travel experience. They may want local connections along with a one-of-a-kind vacation. For example, if you are going to visit Li river in China, it is recommend that you hire a local tour guide for a private tour, followed by watching a spectacular night show – the Impression Liu Sanjie. Directed by the famous Chinese film director Zhang Yimou, performed by all local residents, a musical of the legend of Liu Sanjie. This way, travelers will experience the most authentic culture and custom in China. You should talk to your hotel concierge for personalize travel experiences as well.

  • Best value accommodations 

There are many websites that provide best luxury hotels in the world. As luxury travelers, you will want to check out hotel packages on whether include breakfast,  spa, hotel chain credit, dinners, etc. Even the finest hotels offer special rates and discount. Many travel websites require membership (mostly free) to receive their updates about hotel offers and packages. You don’t want to miss out.

You may want to talk to a travel agent and read Tripadvisor reviews of the luxury accommodations that you plan to stay at.  The more sources of information that you can

  • Take travel medical insurance with you 

Once you are good and ready for your luxury trip, don’t let medical issues ruin your vacation. It is very important to obtain a comprehensive travel medical plan before you go. If you are traveling abroad for a short term trip and less than a year, it is critical to obtain travel medical insurance that will cover emergency illness or injuries abroad as these claims can really add up. Our firm offers several travel medical plans from various insurers and providers. We offer excellent Canadian travel insurance plans  for Canadians with provincial coverage and the IMG Patriot travel insurance coverage for citizens residing in most coutries around the world traveling outside their country of citizenship. The plans offer excellent emergency travel medical and evacuation coverage. We can also offer trip cancellation coverage to residents of Canada.

We also offer the more deluxe travel medical plan from BUPA travel insurance via our travel insurance web site if you reside outside of USA, Canada and Japan. You can be covered for single trips up to one year purchase an annual multi-trip plan for unlimited numbers trips up to one month per trip.

  • Travel Off Season

Traveling during the high season will always cost you more money, but did you know that some destinations have slow seasons that may be high season in other regions. You can usually gauge the prices by checking the plane and hotel rates in different dates. If you can, don’t travel during the holidays or school breaks and that luxury trip might even have a more budge price.

Many travelers do not take travel insurance on their trip

It has recently been reported by the UK press that one in four UK citizens do not take out travel insurance when they travel. According to Sainsbury Finance, nearly a third claim that they do not even need travel insurance while one fifth state that they can’t afford travel insurance. The poll was conducted recently of 1000 travelers for the company.

This means that 25% of travelers are leaving their travel plans up to chance and risk thousands of dollars in medical costs if they become sick or injured while traveling abroad. Traveling abroad with travel insurance will provide both peace of mind and financial security if an illness or injury strikes.

People who travel without travel insurance should know that a medical repatriation from the United States can cost 140,000 and an unpleasant stay in an American hospital or intensive care unit in Greece can reach up to $2,000 per day. You might only save a few dollars a day by not taking out travel insurance when you travel, but such a decision may also cost you thousands a day in uninsured medical costs. Taking out travel insurance is more important than taking your passport or baggage.

TFG Global Travel Insurance provides travel insurance plans to meat almost anyone’s budget and travel needs. All it takes is a few minutes to get a quote and take out a policy online from our wide range of travel insurance suppliers.

Where can I get travel insurance today?

You can get a quote for a wide variety of travel insurance plans for both business and pleasure from TFG Global Travel Insurance.

If you have other things your would like to know about travel insurance, please contact us today.

Purchase baggage travel insurance

It has recently been noted in the news that the US Travel Insurance Association has urged Americans to purchase travel coverage for covering the delay. The Bureau of Transportation Statistics stated that the country’s largest airlines had a mishandled baggage rate of 7.35 reports per 1,000 passengers in the first three quarters of 2007. That is a lot of bags lost!

It is impossible to avoid the loss of you bags at some point in your traveling life. Sometimes the travel gods just conspire against you. Many travelers assume that the airlines must cover delayed baggage, but this is not usually the case. Airlines in the United States are usually liable up to $3,000 on domestic flights for damaged or lost baggage, but compensation for bagge delays in case of situations beyond the airline’s control, such as bad weather, is up to the individual airline carrier. Some carriers may just provide some simple toiletries and a small amount to cover other expenses. Finally, the delay may have to be over 20 days to constitute a delay.

That is why it is a good idea to get vacation insurance plan that covers baggage loss and delay. Some travel insurance suppliers offer baggage loss and delay insurance plans on their own.

If you are traveling, make sure that you leave expensive items that are above the baggage insurance maximum set by the insurer at home. You might want to keep that expensive watch or ring at home or in the safe deposit box.

If you have other things your would like to know about travel insurance, please contact us today.

Last Minute Travel Insurance

Many people purchase excellent travel tickets and vacations at the last minute. In fact, there are a significant number of web sites and companies who offer great deals on vacations and airline tickets for travelers who purchase their vacations and tickets at the last minute. You can obtain great prices because the travel company doesn’t want to leave that seat unfilled and will discount the fair or vacation to fill it.

However, TFG Global Travel Insurance offers excellent travel insurance for last-minute travellers. You can obtain great travel insurance plans if you are traveling on short notice because our web site allows you to purchase travel insurance online in minutes and receive your travel insurance confirmation in just a few moments via email or later by regular mail.

If you purchase a last-minute flight or vacation, you may want to consider a comprehensive trip cancellation and interruption plan. Most vacation policies such as these do not cover cancellation because of an existing pre-existing condition if the travel insurance policy is not purchased within a set number of days.

Unfortunately, many last minute vacationers forget to get their travel insurance. Note that our web site does offer travel insurance to people who are already traveling. Some policies will cover you with a one or three day waiting period and you can print or take note of your policy and claims numbers if you purchase via the internet. It is a good idea to have access to your emails while traveling or use a Gmail or Yahoo email account to access your travel insurance policy documents.

Where can I get last minute travel insurance?

You can get a quote for a wide variety of travel insurance plans for both business and pleasure from TFG Global Travel Insurance.

Swine Flu Tips for Travelers

The recent swine flu or H1N1 epidemic that has caused a great deal of concern for people who plan to travel this year. The illness has also made purchasing travel insurance even more important.

To further assist you with information, the Centers for Disease Control (CDC) on its Web site, http://www.cdc.gov/, offers these precautionary tips on preventing the spread of the flu. Consult your doctor for more information or the CDC web site for up to date details and advice. Here are some quick tips that also apply to all flu and many other contagious illnesses:

Avoid close contact.
Avoid close contact with people who are sick. When you are sick, keep your distance from others to protect them from getting sick too.

Stay home when you are sick.
If possible, stay home from work, school, and errands when you are sick. You will help prevent others from catching your illness.

Cover your mouth and nose.
Cover your mouth and nose with a tissue when coughing or sneezing. It may prevent those around you from getting sick.

Clean your hands.
Washing your hands often will help protect you from germs.

Avoid touching your eyes, nose or mouth.
Germs are often spread when a person touches something that is contaminated with germs and then touches his or her eyes, nose, or mouth.

Practice other good health habits.
Get plenty of sleep, be physically active, manage your stress, drink plenty of fluids, and eat nutritious food.

Purchase travel Insurance before you travel.

Don’t take a chance on your next trip! Get an online quote today via our travel insurance quote page and receive an instant confirmation via web browser and email.