Trip Travel Insurance Center

Most people don’t really know what they’re looking for in travel insurance they just want something to take care of them in case they can’t make the trip or if something happens to them while on the trip.

Trip cancellation and medical travel policies are the simplest types of travel insurance.

Cancellation insurance allows travelers to cancel a trip at the last minute withoutlosing all the money they paid for the trip. Medical insurance provides coverage when you are traveling overseas. Other plans cover emergency evacuation, loss of your baggage, some kind of travel delay.

The plans no traveler wants to think about: kidnap and ransom coverage, acidental death and dismemberment.

What’s the cost of travel insurance? Say you’re a 40-year-old taking a trip for a month. If you wanted $100,000 worth of medical coverage with a $250 deductible,thepremium would be approximately $100. For trip cancellation that requires no deductible, you would pay a premium of approx. $100 for a trip that would cost you $3,000. If you intend to spend $5,000 on your trip, the premium would be approximately $168.

Given the world situation, you may want to add war and terrorism coverage. There is a catch-it won’t be cheap.

Choosing to buy travel insurance depends a lot on what kind of person you are and where you are intending to go.

People under 50 are most likely to buy medical insurance. Usually older traveler’s buy trip cancelation plans.

For an example, in Europe, you may not need travel insurance where health-care quality in like the US. But some of the policies, such as emergency evacuation, might be worth looking into for certain kinds of travel.

When you decide to travel, you take the chance of lost luggage, flight cancellations, reservation cancellations, theft and many even more situations which can cause anxiety.

When you plan a vacation, it is stressful enough without having to worry about something going horribly wrong while on vacation. Purchasing travel insurance will assure that you are compensated if anything goes wrong on your vacation.

Copyright 2005

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I just returned from a four-day vacation in the San Diego area, where I stayed at a well-known inn. However, the consumer alert from this experience could apply to any U.S. destination, and to any establishment in the hospitality industry. It isn’t my intent to single out San Diego, which is a lovely town for vacations, with many attractions in the area to visit. These include Mission Bay, Seaport Village, Star of India, Sea World, the San Diego Zoo, the Wild Animal Park in nearby Escondido, shopping malls, and much more.

Since I had arrived at about 3 p.m., I was able to check in at the inn, and make several trips in the elevator up to the fourth floor, with my mismatched, clunky luggage. I even had time to unpack and freshen up, before finding my way to an evening business reception 3 miles away. However, I know now what I didn’t know before — anyone can walk into a hotel that has inside corridors, and get all the way to the top floor without being challenged!

By the time I left at 5:15 p.m., two flyers had been pushed through the door to my room. I put the flyers on the table, and left a light on. When I returned to my room, I read the flyers. Both were from pizza delivery services, and had I not already eaten, I would have been tempted to order from one or the other. The prices seemed reasonable.

Next evening, when I returned to my room from the day’s meetings, two more flyers had been pushed through the door. On the third day, I was back in my room early enough to actually be there, when one of them came through. The person seemed flustered that my security locks were on, and had trouble finding space to shove the flyer through. At first, I thought someone was trying to get inside.

Because I was nervous, I decided to check the Guest Services Directory to verify how to summon help. Obviously, I had checked to see where the Fire Exits were — upon arrival — but I hadn’t bothered to open the directory. (I’d been to this area numerous times before, and stayed at a variety of hotels and motels.) What did I find in the directory but a Consumer Alert on a small laminated card, tucked inside the front pocket. It was underneath a laminated menu from a local restaurant.

To paraphrase here, but to retain the meaning of the verbiage, the alert read as follows: Many pizza delivery companies are putting unauthorized flyers underneath our room doors. Please do not contact any of these companies. Instead, contact the Front Desk at extension “0″ for recommended quality restaurants.

This alert should have been displayed prominently in the room, not tucked away where guests were not going to find it. Few guests look in the directory when they are frequent visitors to an area. Perhaps these vendors are harmless people, trying to make a living; perhaps they are not. The fact is they should not have been walking around inside the building.

It did not make me feel safe, knowing that unauthorized persons could so easily get into the inn during evening and night hours, and probably during the day. Worse, they could, and did, get all the way up to the fourth floor, and probably higher. The two additional safety locks, in addition to the lock and the deadbolt on the door, now made sense.

Will I stay at this establishment again? No, I will not. It was enough that the room was very noisy at night, being too close to the freeway on that side. No wonder their online discount was such a good deal.

The lack of security, as evidenced by the pizza flyers, was the last straw. If their hidden consumer alert had been a sincere attempt to protect their guests, it would have been displayed openly. In addition, hotel security should have been walking the halls to foil unwelcome visitors. In a nutshell, fellow travelers, we now have something new to worry about, when making reservations. So, please stay alert, and stay well!

© 2006 Shirley Ann Parker

Shirley Ann Parker is a full-time technical writer, who sometimes travels to business conferences on the West Coast and in Las Vegas. She also writes fiction, feature articles, and informational web sites. Visit her website at http://www.shirleyannparker.com to read excerpts from her short story collection Discoveries: A Journey Through Life, and learn more about her other writing. Discoveries is available from http://www.bbotw.com and other online bookstores.

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Sound far fetched? Not really. Nude recreation is the fast growing segment of the travel industry. It is a booming travel niche with over $400 million in annual revenues according to USA Today newspaper. In a recent Roper poll, 25% of Americans have gone skinny dipping in mixed company. You may have too when you were younger. Recapture that feeling of fun and freedom from your youth by vacationing at a clothing optional resort.

Traditionally, Americans had to go to Europe or the Caribbean to find upscale topless or nude resorts. Most American places were old style rustic campgrounds like the “nudist colony” you saw in the old Pink Panther movie. However, in the last decade, the U.S. has passed the best that Europe and the Caribbean has to offer. No longer to you have to travel overseas to be pampered at a clothing optional resort as some of the best are right here in the USA.

Most American nudist resorts are still the typical weekend getaway located at rustic campgrounds and cater to families and all their kids. However, upscale resorts have blossomed in Palm Springs, CA and Florida in the last decade. Of these upscale resorts, most still cater to families and their kids. However, one very popular place is unique and caters just to couples on vacation. So leave the kids with the grandparents or babysitter. This place is located in Palm Springs, CA and it is always rated by as one of the top clothing optional resorts in the world, the best in the west, and the most mainstream nudist resort in America. Palm Springs is a beautiful city. http://palmsprings.com With its average 340 days of sunshine per year, it is the sunniest city in America. It has championship golf courses, casinos, shopping, theater, and the best nudist resort in America. What else could anyone ask for on a vacation?

Who goes nude sunbathing? Everyone! Even one of our founding father’s Ben Franklin was a big advocate of nude sunbathing. Resort goers average from their 20’s to 70’s in age. They are teachers, nurses, doctors, lawyers, movie stars, entrepreneurs, police, and firefighters. About the only thing Democrats and Republicans agree on at nude resorts is they both enjoy nude sunbathing. The reason repeat guests love nudist resorts so much is they were tired of the same old boring chain hotel vacations. They wanted something different, fun, and safe. Nude recreation is perfect. It is very romantic. It is a great way for couples to reconnect away for all the pressures and stresses of the work a day world.

So this Father’s Day, or any day for that matter, if you are looking for a new, fun vacation experience and a great present for Dad, contact a clothing optional resort. You will be glad that you did.

Tom and Mary Clare Mulhall own the popular Terra Cotta Inn Clothing Optional Resort and Spa in Palm Springs, CA. http://sunnyfun.com The Chicago Tribune newspaper has reported that their clothing optional resort is one of the 10 Best in the world. They are very mainstream and perfect for couples trying nude sunbathing for the first time.

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