Travel Insurance FAQs

There are a lot of misconceptions related to travel insurance, and understandably most people aren’t as well versed in the fine details of this type of cover as I am – I can’t say that I blame them! However, many misconceptions put people at risk of spending unnecessary amounts of money on areas that could and should be covered by their policy.

So, I’ve compiled this mini travel insurance FAQ to assist those who have doubts, worries or questions about what they should look for.

Q: What should I do before going abroad?

A: Make sure you have checked the FCO Travel Advice for the countries you are visiting. Check you have sufficient money and that your passport is up-to-date. Take a photocopy of your passport details and keep in a safe place. Check what inoculations and visas are required. Note down the numbers and addresses of the UK embassy and consulate in the country you’re traveling to.

Q: Should I take out travel insurance before my holiday?

A: I may be a little biased on this one, but yes! It is extremely important that you take out adequate travel insurance even for short trips or visits to Europe, and absolutely imperative in countries outside the EU where different conditions make illness more likely and affordable medical cover that bit more difficult to get hold of. It also covers for cancellation as soon as you book your trip.

If you travel to a country, or part of a country, against FCO advice, it is unlikely that your insurer would meet any claim, however. Should the FCO advice change after you have booked a holiday, check the position with your tour operator and travel insurance company.

Q: Should I be looking at single trip or annual multi trip travel insurance?

A: Only you can answer that really – although single trip is (generally) cheaper, it does exactly what it says and covers you for just the one trip. By contrast, annual multi trip travel insurance will cover you for the whole year on various breaks, making it the choice if you think you’re likely to travel that much. You may find that just taking two trips a year would make annual multi trip travel insurance cheaper than the single trip variety!

Q: What sort of reason for cancellation is valid to ensure cover?

A: As long as your reason is within the scope of cover provided by your policy, then you should be entitled to claim in most cases. Legitimate reasons for cancelling your trip could include an illness or death in the family (as defined by your policy), freak weather conditions suspending travel for 24 hours, burglary or damage to your home, being a victim of criminal assault resulting in you being medically unable to travel, being called up for emergency military service or jury duty (subject to the specific terms and conditions of the policy). Likewise, if the hotel or resort (for independent travelers) you’re due to visit suffers from a terrorist attack in the days leading up to your travel, you will generally be able to claim.

Q: Who pays if I need to be hospitalized overseas or flown back to the UK?

A: If you have proper cover, the travel insurance company should pay such fees. If not, the cost will fall to you or your relatives and friends.

Q: Is a European Health Insurance Card (EHIC) the same as health insurance?

A: No. The free European Health Insurance Card shows that the holder is entitled to reduced or free emergency care only within the EU. You will still need travel insurance to ensure you will be covered fully in the event of illness or injury. The EHIC card will help though, by reducing your initial outlay before you can be reimbursed by your insurance company.

Q: Is my pre existing medical condition a big issue?

A: Generally, yes. Check the wording of your policy to ensure it covers pre-existing medical conditions. Often they’re not covered unless you pay an extra premium, and if you fail to declare your condition when you buy your cover, you’ll be unable to claim on it. As always the key advice here is to check the policy wording with a fine tooth comb.

Q: How can I find out whether it is safe to travel to a particular country?

A: It is strongly advised that you check the FCO Travel Advice section of their website. This information is regularly updated and should give you solid advice on where is and is not safe to travel (remember, areas officially outlined as ‘unsafe’ will seldom be covered by travel insurance policies).

Q: Is it safe to travel after a terrorist attack overseas?

A: Unfortunately, there is no such thing as risk-free travel, and the absence of advice against travel to a particular country or area does not imply that the FCO guarantees safety in that country or area.

I hope this travel insurance FAQ has proved useful – it’s only really scratching the service and each policy is different, but with this advice you should be in a better position to shop around, next time you need to purchase travel insurance.

Prominent Architects in Phoenix

Working with outstanding Phoenix real estate agents is one of the best ways to find the perfect Phoenix homes that will best meet you and your family’s needs. Once a Phoenix realtor understands the type of property you wish to purchase, he or she will apply that criteria when searching every Phoenix real estate listing until the best property matches are found, thus saving you time and money. As you begin settling in, you will have ample opportunities to explore this beautiful city. Phoenix is home to several prominent architects whose talent is on display in remarkable buildings in Phoenix that they have designed.

Phoenix-based Gould Evans Associates, LC + Wendell Burnett Architects were honored with the 2007 American Institute Honor Awards for Architecture for their design of the Palo Verde Library/Maryvale Community Center owned by the City of Phoenix. The connection of the mind and body was used as a design theme that features two equally sized “volumes,” which are lit at the bottom and top, so you can see the activity going on inside from the outside. The library is housed in one side, and the gymnasium in the other. Care was taken to incorporate “green” building products, including floor tile made from recycled tires and cork, while walls were made from oriented strand board made from recycled wood. Formaldehyde-free insulation was also used.

The award-winning Phoenix architectural firm of richard + bauer Architecture was the design organization that created the Meinel Optical Science Research Building for the University of Arizona in Tucson. Principals James Richard, Kelly Bauer, and Stephen Kennedy’s building features a concrete wall that is covered with red-bronze copper treatment to relate in tone to bricks used on the campus. To give the feeling of a darkroom, openings allow light into the building, and the light plays off the rooms within. For their work on this important building, richard + bauer Architecture were also awarded the 2007 American Institute of Architects Honor Award.

There still occasionally come on the Phoenix market vintage homes designed by Ralph Haver. Haver was a prominent Phoenix architect in the 1950s who made his mark in contemporary-styled single-family homes. His designs often feature window walls, clerestories, beam ceilings, carports rather than garages and a low pitch to the front facing gable roof style.

Probably the most famous architect in American history has his foundation in Scottsdale, and that is Frank Lloyd Wright. Known for organic architecture that allows the building to fit into the context that the land itself provides, Taliesin West in Scottsdale is where Wright had his home, his studio, and was the site of his architectural school. Archives of Wright’s work are housed at the Foundation as well.

Choosing Right Home Furniture

A house without furniture often sounds like a flower without fragrance. Furniture takes away the emptiness of a home, and makes it attractive and functional. For those reasons, it’s important to choose the right furniture items that function, add to the appeal, reflect your taste, and provide a great value for the price. It turns out not too many shoppers exhibit satisfaction when they are exploring choices for quality home furniture. One of the major reasons for this dissatisfaction is the lack of priorities that a shopper must set to determine what exactly to look for. Also is there a group of buyers who finds it a nerve-wracking task to select right furniture for their homes out of the multiple choices being offered by internet today.

If you have happened to be facing any of the afore-identified situations, you should seek some guidelines for a better understanding of finding and buying good-value furniture and accessories. Below is brief list of points-to-note to be kept in mind and considered before going on a shopping spree:

Room and requirements: Every house comprises different rooms; the main being living room, drawing room, dining room, guest room, and TV lounge. Each room requires different furniture items for its distinctive classification. For instance, a dining room requires to be filled with a dining table set instead of sofa set whereas a bed room needs to be graced with a dressing-table set instead of a utensil storage cabinet. It is important to determine what room requires what kind of furniture.

Similarly, if you intend to buy a sofa or a cabinet, create an appropriate place for it in your home. A sofa fits well in a living room or a drawing room whereas cabinet should find its way to a bedroom or kitchen depending upon its use.

Furniture replacements: If you decide to redecorate your old home by replacing its furniture with a new line, do it systematically. Choose the living room to begin with, for being the most occupied place of your home. This is where your family members or friends sit, relax, chat and enjoy. Make sure you find and buy living room furniture items in colors and designs that match with the colors of walls and/or floor of your room or house. Once done with your living room, go with the redecoration of a guest room, drawing room, dining room, so on and so forth.

Furniture size: Consider room space before settling on any furniture item. If your room is too large, choose mirrored furniture which will make your room look small.

Wholesale living room furniture: Go for online stores of wholesale furniture where you’ll have more chances to get your favorite furniture pieces at the most competitive prices and get discount deals on your purchases.

A common misconception attributed to cheap furniture is that it is neither durable nor reliable. If truth be written, cheap furniture is the line of furniture that is offered at a cheap price. Quality remains the same though. Hope, you are pretty sure how to choose and buy right furniture for your home now!

Why Travel Solo – My Reasons For Travelling Solo

Many of you reading this article are thinking to yourselves ‘why travel solo… are you crazy’, while others are reading this in total agreement. Like for all travel needs, individual tastes, interests and goals will be the concern for any person traveling.

For me personally I prefer to travel solo myself but It all boils down to the type of trip you’re taking and what you plan on doing… obviously there are times where group or couple travel is inescapable and is of course still going to be a great experience… all travel is. These times could be team getaways, events such as weddings or corporate and clearly for a romantic getaway or honeymoon where I’ll assume that you would prefer not to travel solo.

Maybe you don’t have a partner or perhaps you didn’t know anyone else you wanted to travel with you… but you know with all your heart you want to go, have to go. Are the people who said no going to stop your travel? If so, why? Is it safety concerns, is It the unknown? Those questions might be on your mind, but think about it this way… doesn’t it make it more exciting? Wouldn’t you feel more accomplished if you did it by yourself?

Let me explain why I travel solo and the reasons why.

Avoid The Drama Of Others

Drama is often inescapable as all people including myself has some sort of drama in their lives. However in my experience below

A few years back I backpacked Europe and after about a week or so met up with a group of friends for roughly a month. In this time the couple traveling with us had a bad break up, which in turn almost severed another relationship. That night while this couple was fighting, bags were snatched, wallets stolen and because of the public outburst questioned by the police… and this was just the beginning of the drama, we still Christmas to get through after this. When the whole group of my friends had left I felt relief and like a weight had been lifted from my shoulders.

You may not want to travel solo but if you’re single then my recommendation is that you at least don’t travel with a couple, not without at least some other single people there.

Indifference Of Ideas

All travelers have their own ideas of what they want out of their travel and so they should. Compromise can be much easier in a couple and certainly traveling solo but in a group it can be a nightmare. You may want to go to a museum you’ve always wanted to see where as the others in your group want to just hit the pub.

Whoever has the numbers or the dominance will most likely win which puts you in an awkward situation. Yes, you could leave and go the museum by yourself but then what do you friends think of you and say about you later on. You may also not be contactable by phone, being in another country without a sim card which makes it much harder to meet up and find out when others will be back etc.

I remember road trip we took just 2 hours away from home with six guys and we had one of the worst weekends away possible. Some of us wanted to go prawning, others wanted to go somewhere else for fishing and some of us just wanted to hang out at the hotel by the beach and drink. The problem was we were all stubborn and because we only had the one car and two sets of keys it caused arguments left, right and centre.

Living In Close Quarters

When traveling with others, particularly for long periods of time you need to ensure that your travel buddy is someone you could live with in close quarters for however long it is you are traveling. We all have friends that we know that are good friends but you could never live with them, maybe they are messy, maybe they are snappy and the list goes on. If you can’t live with them… what makes you think you can travel with them?

Be Who You Want

A bonus to traveling solo as well is that others you meet along the way and you get to be the person you’ve always wanted to be or at least be able to interact differently with others. I truly believe you meet a lot more people when traveling solo as you have more reason to talk to others and you will meet more like-minded people to you as there are no indifference to ideas of what to do.

These are four of the main reasons why I travel solo but there are many more personal reasons like independence my goal when backpacking Europe was to get out there in the world and do it all myself. Escapism is another big reason for me sometimes with work and the same old routine you just need to escape the daily grind and get in some alone time.

Traveling solo isn’t for everyone and isn’t for all kinds of travel but if you’re after a fulfilling holiday and experiences then there really is nothing like traveling solo. You will not only meet more like-minded people, get to be who you want, gain independence and a sense of fulfillment as well avoid an indifference of ideas, living in close quarters and avoid anyone else drama while you enjoy what you want to do on your dream holiday. This is why I travel solo.

School Bus Safety Tips For Drivers and Their Children

Imagine: millions of students nationwide start their day by getting on and off the school bus. The National Highway Traffic Safety Administration (NHTSA) says that year after year, pedestrians who are usually below the age of 19 have died in school bus-related crashes. More school-age pedestrians have been killed between the hours of 3 and 4 p.m. than any other time of day. The NHTSA has even formulated several safety tips for both drivers and children:

Take note of the crosswalk/school zone sign.

 

  • Drivers: This means that during mornings and afternoons, these areas are likely to be crowded with children — some even on their bicycles or in-line skates. All of them are no match to a bus, so extra care in part of the driver is needed.
  • Children: Do what you learned in pre-school: look left, then right to see if vehicles or people are going to pass before crossing the street. If you could, go along with other children/people using the crosswalk.

Learn the “Flashing Signal Light System”that school buses use.

  • Drivers: Alert motorists if you are preparing to/stopping the school bus using the yellow/red light.
  • Children:Just because they are in a stop position does not mean there is no more danger. Take note of the danger zones around a stopped school bus, namely, the front and back (which are the most dangerous zones) and the driver’s side of the bus.

Slow down.

  • Drivers: Be alert around school zones. Young people may be rushing about on their way to class or to meet a parent.
  • Children: No need to rush when getting on or off. Wait until the bus hits a full stop, with the doors wide open before getting in. Use the handrails to avoid falls.

Visibility.

  • Drivers: For a vehicle such as a school bus, you really can’t see what’s directly below you. Be careful before speeding on.
  • Children: When crossing in front of a bus, put a safe distance (say, 10 feet) between the bus and where you plan to cross. Use sidewalks and walkways where you’re sure the driver sees you.

Backing up.

  • Drivers: Be aware if children/bicycles are crossing behind you.
  • Children: Never be the children/children-in-bicycles who cross behind buses.

To enforce traffic safety, the state of Florida has enforced tougher penalties for passing a stopped school bus while loading or unloading children. Previously the fine was $65.00, however now they are required to attend a 4-hour basic driver improvement course. This course explains Florida traffic laws and provides a refresher on defensive driving techniques.

So, for all drivers before you rush to pass a stopped school bus remember that the school bus uses the red flashing lights for a reason. And for pedestrians and children always but safety first and proceed with caution when exiting or entering the bus or in school zones.