Is it Wise to Purchase Travel Insurance?

Is it Wise to Purchase Travel Insurance?
by: Steve Cogger

The best way to determine if, for you, it is wise to purchase travel insurance, is to consider the various emergency situations that could arise during your trip, determine the best guess for the cost of each, and see whether you can afford to pay for the worst case scenarios out of your own pocket. If the answer is no, then it is indeed wise to purchase travel insurance. Even if the answer is yes, however, money is not the only issue in determining the wisdom of travel insurance. Let's take a look at what can happen in your travels - the situations that travel insurance could have covered. You and your family take a delayed flight from home to another location where you are to change planes. Because of your delay, however, you have missed your connection. Your tickets are non-refundable, non-exchangeable. You are now faced with the purchase of new tickets, with a hefty last-minute price tag, as well as the feeding and housing for your whole party as the next flight is tomorrow morning. If you had been wise and purchased travel insurance you would have been reimbursed for these costs.Your spouse is diabetic. Her purse is stolen while you are traveling. You have no travel insurance and you're in a foreign country. How do you retrieve the money lost from her wallet, replace her much-needed reading glasses and, most importantly, get her the insulin she so desperately needs? If you had been wise and purchased travel insurance you would have been reimbursed for these costs. You would have also had someone to call or see for help purchasing insulin. You have had a wonderful vacation and you're ready to travel home. You suddenly get the word that the airline on which you are returning has gone bankrupt and all planes are grounded. How do you get home? To whom do you turn for help and advice? You are in a country where few people speak your language. Who can help you translate? If you had been wise and purchased travel insurance you could have not only been reimbursed for the loss of the price of your airline tickets but you could have been provided with a translator and someone to help you find an alternate flight or cruise home. These are but a few of the common occurrences when traveling. Perhaps travel insurance is indeed a wise decision.

About the Author
Steve Cogger, an active traveler, has developed the http://www.1-happy-traveller.com/ website for your convenience. Visit today for all of your travel insurance needs.

Cheap International Travel Secrets

Cheap International Travel Secrets
by: Steve Gillman

What is the real secret to cheap international travel? It is the same as the secret to doing anything for less. Learn to be an opportunist. Opportunistic travelers get to travel more, see more and do more. Of course, you can ignore this advice if you have unlimited funds.I went to Ecuador because it was cheap. Honestly, aren't there many interesting places in this world? Why not choose one you can travel to inexpensively? The other places will be there in the future, and you may have an opportunity to go to those places cheaply at some point.Cheap CountriesEcuador is my favorite international destination. You can still get a decent meal for two dollars. U.S. dollars, by the way, since that's conveniently the official currency of Ecuador now. From the beautiful snow-capped Andes mountains, to the Galapagos Islands, you'll never run out of places to explore in Ecuador. Travel there is safe and inexpensive.South America in general is inexpensive, and the most affordable countries are, in my opinion, the most beautiful. These are the countries along the Andes mountains; Ecuador, Peru, and Bolivia. Argentina, thanks to it's recent economic troubles, is once again a cheap place for travelers as well.In Central America, it costs very little to travel and vacation in both Nicaragua and Guatemala. Nicaragua, in particular, has become more stable and safe for travelers in recent years. Costa Rica is a wonderful too, and though it is one of more expensive counties of Central America, that probably still leaves it cheaper than Europe.In Asia, India is still low-cost, especially if you stay in the numerous hostels and boarding houses. Thailand and Indonesia are also very cheap. With all international destinations, the plane tickets will be your single biggest travel expense. This is especially true with the asian countries. Being there is cheap, but getting there may not be.Cheap International Travel TipsWherever you go, there are things you can do to keep it cheap. Eat where locals eat, for example, instead of at the tourist restaurants. To keep it really cheap, eat fruit from street markets (wash it well) and packaged snacks from grocery stores.Visit the free and cheap attractions first. It's possible you'll have so much fun that you'll never get around to doing the expensive things. A higher price means better quality with travel bags, but not with travel experiences.Busses are cheaper than taxis in any country, but be careful of crowded city busses, where pickpockets hang out. Walking is even cheaper, and it's a great way to learn about a city. Just ask the locals where the dangerous parts are before you wander too far.For cheap accommodations find out where local visitors from within the country stay. Negotiating room charges is common in some areas. In Banos, Ecuador, we negotiated our room rate down from $12 to $6 per night, by paying for several nights in advance. Consider hostels, if you don't mind sharing a room. They're much more common overseas.Cheap international travel is often only as cheap as your plane tickets. Use the techniques outlined on our site to save big on tickets, or search the fares to several interesting countries. If one is $500 less than the others, consider going there. $500 can buy a few extra days, or an extra mini-vacation some other time.

About the Author
Steve Gillman hit the road at sixteen, and traveled the U.S. and Mexico alone at 17. Now 40, he travels with his wife Ana, whom he met in Ecuador. To read their stories, tips and travel information, visit: http://www.everythingabouttravel.com/

Traveling to Europe with your Digital Camera?

Traveling to Europe with your Digital Camera?
by: Doug Rogers

The Vacation Season is fast approaching and naturally you will be taking your digital camera along for the journey. After all your vacations are far and few between and it is nice to look back on those memories as you slave away at your job. However, when you travel with a digital camera, it is a completely different experience from that of traveling with a film camera. This is a lesson that far too many travelers seem to be learning the hard way, especially if you’re traveling to Europe. After a couples years of relying solely on digital for taking photos when I travel, there are things you should consider before you head off on your next trip.
Charging Batteries is one of the biggest stumbling blocks you'll face when you travel. Outlets can be scarce in hotels. On a recent trip to Europe, only one of the five modern hotels I stayed in had more than one outlet available for use when charging up electronics. Charging your battery can be more of a hassle if you're traveling by train: If you take an overnight train in Europe, they don't have power adapters at the seats (certain trains do, but it's not something you can count on). I suggest bringing at least two rechargeable batteries, three if you plan to travel with overnight trains, or don't think you'll be able to charge every night. If your camera uses regular AA batteries, consider yourself lucky-you'll find those everywhere. Scope out the situation in your room when you check in: You should get at least one usable outlet, but don't count on more than that.
Bring your plugs. Some digital cameras typically come with a power brick that can handle international voltages, so you won't need a voltage adapter. However, you will need a power plug adapter to convert a US outlet plug to the local plug. Most of Europe is on the same outlet now-but not all countries accept the general "Europe" plug. Be sure to research what you'll need to jack in, and try to buy it before you leave (try CompUSA, Radio Shack, Rand McNally, or your local luggage store). If you don't have a chance to get what you need Stateside, don't fret: You should have no trouble finding an outlet converter overseas.
How do I offload my images? For fellow travelers using digicams, this was the number one problem I have heard repeatedly. Many comments from folks traveling for a week or more are: "I'm taking more pictures than I expected to." "I'm not shooting at the best resolution, because I need the room on my memory card." "I'm only halfway through my trip, and I have only 50 shots left." When you travel, odds are you'll take more pictures than you expect to also. A 1 GB card is very useful, and should suffice for low-usage shooters. But for those of us, who can go through a gigabyte or more in a day, not a week? Whether it's because your a high-volume shooter, shooting in RAW format, or a combination of the two. What I discovered is many who had digital SLRs, that had 5 megapixel or more reported they were traveling with a laptop to off load their images. None of these folks were traveling on business, so they didn't need to bring a laptop along. The sad fact is, for now, a laptop remains the most efficient and usable means of off loading images. Epson and Nikon have dedicated handheld units with a hard drive, card reader, and LCD display for copying over and viewing your images. But neither has a full-blown keyboard. If you're first buying a laptop, and intend to travel with it, I suggest going for the smallest one you can. Fujitsu, Panasonic, Sharp, and Sony all have models under four pounds. A laptop provides several additional advantages. For one thing, you can see your pictures on a big screen-to view how you're doing, and if you see any problems you want to correct with your exposure, for example, or if your pictures are being affected by dirt. For another thing, you can properly label your folders, so you know which pictures were taken where. Most newer laptops have integrated memory card readers, but otherwise, you can buy a small external card reader. For the wire-free approach, use a PC Card slot adapter for your memory card; and invest in a 32-bit Cardbus adapter (Delkin and Lexar Media offer these), for speedier transfers. Nothing's worse than coming back to the hotel after a long day of sightseeing, and needing to stay awake another 40 minutes just to off -load two 1 GB cards, at about 20 minutes a pop. If you bring a laptop, I also suggest investing in a portable hard drive. A portable hard drive can serve multiple purposes: It can be a means of backing up your photos on the go; a means of giving you a way to take your photos with you if you have to leave your laptop unattended; and a means of expansion, if you somehow manage to fill up your laptop's built-in hard disk. If you don't want to bring a laptop, and already have an Apple iPod, Belkin sells an attachment for using your iPod with memory cards; or, consider the pricey units from Nikon and Epson. And if you're in a bind, remember you can always buy memory overseas. I was surprised that when I went to Europe, the prices were high, but not so outrageously so that I wouldn't buy another card if I were in a bind. Cards were more readily available, too, than they were when I last traveled through Europe three years ago. Look at it this way: Even if you overpay on the card, you can still reuse it-which beats overpaying for a single use 35mm film cartridge when you were in a bind in years' past.
Be prepared for problems. Things happen when you travel and I've had more things go awry carrying my digital SLR than I have had with my 35mm over the years. Lens paper is always useful to have on hand, but if you have a digital SLR, another supply is absolutely critical: An air blower bulb, to blast out the dust and dirt that will inevitably get trapped inside your camera. I never had problems with my 35mm SLR, but with my digital SLR, I constantly find dirt gets trapped inside, when I change lenses. And there's nothing worse than having a splotch marring your otherwise awesome shots. Finally, remember the philosophy of redundancy. Whether your battery dies and you have no way to charge it, or you run out of space on your memory card(s), and don't want to buy another at a higher-than-usual price, I suggest packing a second camera if you can. A digital point and shoot is a good option but I usually carry a point and shoot 35mm to use if I run into any problems just so I won’t lose any precious pictures.

About The Author
Doug Rogers has worked as a freelance photographer for the past 25 years in various fields of photography. In the past two years he has become an avid and devoted fan of digital and video photography and a life long lover of new technology. For tips on better digital photography and the latest reviews on the newest digital equipment that hits the market, Subscribe to his monthly Newsletter “The ViewFinder” at http://www.best-digital-cameras-review.com/.

Travel Light: The How And Why

Travel Light: The How And Why
by: Steve Gillman

I learned how to travel light from lightweight backpacking, then found it was just as useful to keep it light on trips overseas or driving across the country. The last time my wife and I went to Ecuador, I had 10 pounds of luggage, all in one carry-on bag, and Ana had just 8 pounds in her carry-on bag. This wasn't a short trip. We spent six weeks in Ecuador, at times on glacier-covered mountains, and at other times lounging on Pacific coast beaches.
Travel Simplicity
Why travel light? Travel simplicity. Everything is simpler when you travel light. With only carry-on luggage, we were on our way to a restaurant in Quito, while others were still waiting for their checked luggage. When we took busses our luggage was safely with us, not on the roof or in the hold below being cut open, like one time when I was in Mexico. While others struggled down the street with three heavy bags, we had our hands free and were walking comfortably because we use daypacks or small backpacks. We had less to lose, less to be stolen, less to wait for, less to pack and unpack in hotels, and less to worry about.
Light Travel Issues
There are a couple minor problems when you travel light. First, expect an extra question or two from the customs officials at the airport (Six weeks with only this?). Second, a small bag won't work if you plan to bring back many souvenirs. In this case, you can still go light. Just plan to buy a second bag at some point during the trip, to carry your acquisitions. As for the seemingly obvious issue of not having enough clothes and other things all in one or two small bags, I'll explain below why that isn't as big a problem as you may think.
How To Travel Light
Silk shirts weigh 3 ounces, and travel well if rolled up. Nylon dress socks weigh less than an ounce, and they are cool and comfortable. Poly-cotton blend t-shirts weigh 5 ounces. Supplex or other lightweight travel slacks weigh 9 ounces, and are sufficient for a fine restaurant or a walk in the woods. All of these weigh less than half of the typical travel choices, and take less space, yet function the same. There is no sacrifice involved here. For this exercise in travel simplicity, you even get to go shopping for new clothes.
You don't have to buy new clothes, however. You don't have to buy a scale and count ounces to travel light. Just choose the lighter alternative whenever you can. Set aside your lightest jacket, socks and pants for your next trip. Travel simplicity is the goal, not more complicated planning.
More Ways To Travel Light
Money replaces weight, especially in the form of a debit or credit card. Why carry two pounds of your favorite shampoo when you can simply buy small bottles as you travel. It really won't cost much more to buy things wherever you go, instead of carrying your bathroom and wardrobe with you. Also, you really don't know exactly what you'll need, particularly on an overseas trip. Buy what you need as you need it, and you won't have a pile of useless things in your luggage. Don't we all regularly unpack things at home that we never once used during the trip?
Take a lesson from long-trail hikers (backpackers who travel a trail for months). They send things, such as new shoes, to a post office on their route, ahead of time, so they'll be waiting for them. They also send home things they no longer need, such as a winter coat. The latter may be a useful practice for other travelers. If you buy bulky gifts for family or friends, why carry them around for weeks? Put them in the mail.
A Light Travel Example
What I Took For Six weeks in Ecuador:
8 pairs of thin nylon socks (less than an ounce per pair)
2 silk shirts for restaurants and discos (3 ounces each)
4 poly/cotton blend t-shirts (5-6 ounces each)
5 pair of light underwear (2-3 ounces each)
1 extra pair of lightweight slacks (9 ounces)
Single layer nylon shorts for hiking or swimming (2 ounces)
Thin gloves (1 ounce)
Thin hat (1 ounce - honestly)
Thin wool sweater (11 ounces)
Waterproof/breathable rainsuit (14 ounces for the set)
Light plastic camera (3 ounces)
Sunglasses (1 ounce)
Small chess set (3 ounces)
Bathroom kit (5 ounces)
Maps, notebook and various small things (3 or 4 pounds)
My pack weighed ten pounds, and my wife's weighed 8 pounds. We never felt deprived. I'm not suggesting that you start counting the ounces (that comes from my backpacking days), or that you buy all new lightweight things. Without spending money or thinking about it too much, you can just start setting aside your lightest shirts, socks, etc., so you can travel light on your next vacation.
About The Author
Steve Gillman first hit the road on his own when at sixteen, and traveled alone across the United States and Mexico at 17. Now 40, he continues to travel and backpack with his wife Ana, whom he met in Ecuador. Many of his stories, plus tips and information on travel and lightweight backpacking, can be found on his websites, http://www.everythingabouttravel.com/, and http://www.theultralightbackpackingsite.com/.

My first trip to Egypt

My first trip to Egypt
by Stuart Cheese

In my capacity as the UK Director of Operations for One World Tours Limited, I am often asked all kinds of travel questions. A client recently enquired about travelling to Egypt for the first time and wanted my advice and a sort of checklist of what they should think about when planning their first trip to the land of the Pharaohs. This is the advice I gave them…
When planning your first trip to Egypt, the following items are things you should definitely think about
Flights : Depending upon where you are flying from, there will usually be direct and indirect flights. While direct flights obviously are shorter in duration, if you are on a budget, then looking at a non direct flight, or a flight with a short stopover can often save you up to a third off of the price
Visas : You should always check for yourself of course, but generally most major nationalities can get their visas on arrival at major ports like Cairo, Luxor, Hurghada etc. Certainly if you are travelling from Europe, North America, Australia, you will be able to roll up and get your visa on arrival within about 5 minutes.
Money : All major currencies like the US Dollar, Euros and British Pounds are all accepted as payment. There is a limit to the amount of Egyptian Pounds you can bring in and this currently runs at around 1,000 LE â€" Egyptian Pounds. You can of course take travellers cheques, other currencies, etc and all major credit cards are accepted.
Itineraries : 7 to 10 days in Egypt is a perfect length of duration for a visit to Egypt. Cairo, Luxor, Aswan and Abu Simbel should definitely be included and my personal advice would be to book your basic package through a tour operator, just so you have the basic transfers, accommodation and tours all through 1 company
Tipping : Baksheesh as its know in Egypt is a tip for just about anything. You will need to be tough as otherwise you will be broke within 24 hours. A tour guide should get a tip of around four pounds English a day and a driver should get about half of that. Taking lots of cheap pens is a good idea too as children will ask you for baksheesh for just talking to you !, but if you offer them a pen, they will scamper off very happy indeed. The only draw back is they will probably come back inside of about 2 minutes with 3 friends all of whom will want pens too, but those are the breaks !
Pitfalls : When travelling there are always a few down sides. Water is one in Egypt. Definitely only drink bottled water and avoid salads (washed in water) and Ice (frozen water). Also, although you won’t have this on an organised tour, if you travel independently you will run in to locals who may tell you certain hotels are full etc. You are in no danger, they are just trying to get you to stay in a different place so that they will earn a small commission from the hotel owners
Final Thought : Egypt is an amazing place, the locals are very friendly and without a doubt when you are taking a felucca down the nile and watching the sun set over the Valley of the Kings, you will definitely think to yourself â€" Egypt was a good choice !

About the Author
Stuart Cheese is the UK Director of Operations for One World Tours and, having visited over 110 countries, has a wealth of travel experience.