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.

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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 

Purchase travel insurance if you travel to hurricane prone regions

With hurricane Dolly barring down on southern Texas or northern Mexico, this serves as a good reminder to purchase vacation insurance that offers some protection for your trip costs should a hurricane strike. Millions of vacationers this year could lose their vacation deposits if a serious hurricane strikes where they are traveling. If possible, you should avoid traveling to hurricane prone regions such as Florida and the Caribbean. The hurricane season starts in June and usually ends some time in November. Unfortunately, many travelers are not aware of this.

Getting a vacation insurance plan that offers trip cancellation and trip interruption coverage in case of hurricane is a good idea. You should make sure that the policy covers you if your flights are delayed, if your trip is interrupted or cancelled by inclement weather or a hurricane at your destination. You have to make sure you read your travel insurance policy carefully as most vacation insurance plans have some hurricane coverage, but the devil is in the details. You won’t be reimbursed if you get to your destination and it rains for the entire stay. You should be normally be reimbursed if your flight is cancelled due to a hurricane for at least 24 or 48 hours.

Purchasing travel insurance to cover hurricanes can be a bit complicated, so it may be a good idea to contact your travel insurance agent to make sure you understand what is and is not covered. It is impossible for any travel insurance plan to cover everything.

You can keep track of the latest storms, resort closures, cruise cancellations and airport status at the National Hurricane Center’s web site. TFG Global Travel Insurance offers a variety of travel insurance plans which have some hurricane insurance.

9 tips Why should you get travel insurance

There are many reasons to purchase travel insurance. Here are just a few:

  • If you don’t get travel insurance, you are taking the whole risk on yourself. Why not pass that onto the insurer’s shoulders.
  • A serious sickness or injury can seriously jeopardize your finances. It is not unusual to see medical and evacuation expenses exceeding $100,000 USD.
  • Many countries insist that you provide proof of medical coverage before they will grant a visa.
  • Most domestic health insurers do not cover you when you leave your country of citizenship, so travel insurance is a necessity.
  • Many facilities will not treat you without proof of coverage or payment.
  • If you get injured or sick and you can’t get adequate medical treatment in the country or city you are visiting, who will pay for the evacuation to another country or back to your country of residence? You better have insurance because the costs involved in evacuation can be quite large.
  • If you are purchasing an expensive vacation, cruise and/or airline ticket, doesn’t it make sense to protect that investment
  • Peace of mind is a great reason to purchase travel insurance. Protect yourself and your family today!
  • The financial impact of getting sick or injured abroad without insurance can be devastating.

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.  

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.

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.