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.

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.

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.

Travel Insurance for business travellers.

Business persons who are traveling should make sure that they get adequate travel insurance when they travel on business. The Travel Industry Association of America recently reported that business travellers are taking approximately 5 work related trips per year. Business owners should make sure that they are and their employees are covered by a comprehensive travel insurance policy that will cover medical and evacuation expenses. Such costs could cripple an employee’s finances and he or she may look to the employer to cover these medical costs, especially if they are on company business.

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