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 

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.

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.