Showing posts with label Disability insurance. Show all posts
Showing posts with label Disability insurance. Show all posts

Friday, September 11, 2009

Choosing Cruise Insurance

In the 16 years I’ve been cruising, I’ve seen many people fall ill and be taken off the ship in port or even evacuated at sea by helicopter. While I have always hoped for their speedy recovery, I have also wondered if they had purchased travel insurance.

It’s certainly tempting not to. How many times have you returned from a trip safe and sound and kicked yourself for spending a couple of hundred bucks to insure against some calamity that never transpired? (Plenty, God willing.) But it only takes once, and it doesn’t have to be much of a calamity to deep-six your sizable cruise investment. A jury summons can do it, or an attack of appendicitis, or a missed connection on the way to the ship.

In my opinion, all cruise vacationers should buy travel insurance. But where to start?

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The basics
Most cruise lines offer a travel insurance package that can be purchased when you book your cruise. There are also many third-party (independent) insurance companies like Access America, Travel Guard and Travelex (to name a few) that offer coverage which can be purchased either directly from the company or through a travel agent.

*Coverage. Most travel insurance policies include coverage for five kinds of problems: trip cancellation (or interruption), trip delay, emergency medical expenses, emergency medical evacuation, and lost or stolen baggage. Many policies also offer round-the-clock travel assistance to help you replace a lost passport, rebook a reservation, or cope with other travel mishaps. The big draw is the trip cancellation coverage. In fact, according to Dan McGinnity, a spokesman for Travel Guard, 80 percent of Travel Guard’s claims are for events that happen before the ship leaves the dock: illness, injury, jury duty, a sick family member — you name it.

*Cost. The cost of travel insurance is usually based on the traveler’s age and the trip cost. Typically, the insurance cost will run about 6 to 8 percent of the trip cost, but it can be less. For example, a 59-year-old traveler on a $3,000 cruise can purchase a Travel Guard “Protect Assist” policy for $145. A similar policy for the same 59-year-old traveler would cost $129 from Travelex and $131 from Access America.

*Comparison. Costs and coverage do vary, and it’s in your best interest to do some comparison shopping before handing over the insurance premium. A nifty little website, insuremytrip.com, allows consumers to compare plans among 16 travel insurance providers.

Cruise line vs. third-party insurance
There are several key differences between insurance policies offered by cruise lines and those offered by independent insurance companies. Cruise insurance offerings generally cost less than third-party insurance, and they sometimes give more protection. But what you won’t get, as a rule, is protection if the cruise line goes into financial default and ceases operations; third-party insurers generally do cover such events.

While all cruise insurance lines offer the five basic components of coverage, most cover only those parts of the trip that you purchase directly from them. For example, if you book your airfare separately from your cruise fare, or if you drive to the port of embarkation, you won’t be covered for that travel segment under most cruise line policies. With third-party insurance, you can purchase a protection plan that covers the entire trip

source:http://www.msnbc.msn.com/id/12465045#storyContinued


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Saturday, April 11, 2009

Get Allowance Cheap In The Lone Star State

Change is never easy, and amendments to Texas Law accept apparent the Bloom Allowance bazaar backfire with a aggregation of bloom plan options. While added antagonism is consistently a acceptable thing, it can sometimes be actual ambagious to consumers who appetite to get the best deal, but are abashed by the abrupt arrangement of choice.

There is additionally the added abashing that not all bloom affairs accept to accommodate all benefits, acceptation you've aback got a accomplished lot of behavior that may or may not accommodate the things you need. Allowance carriers still do accept abounding bloom allowance plans, but the advantage of this fresh adaptability is that consumers can accept which allowances they would like to pay for. This agency allowance that is tailored to your needs that won't breach the coffer with costs for things you don't appetite or need.

You now accept the best amid State Mandated Affairs and Consumer Best Plans. Consumer Best affairs will still accommodate things that the State has bent charge be included, such as Alzheimer's and Pregnancy Complications.

The bloom advantage tax acclaim affairs is additionally accessible to advice assertive individuals pay for insurance, this can accomplish bloom allowance abundant added affordable if you're eligible. If you're on a alimony you're acceptable to qualify, as able-bodied as if you are a displaced worker.

There is additionally the best amid Fee-for-service plans, and Managed Affliction plans. Managed affliction affairs may be cheaper as may be appropriate to go to the bloom affliction professionals that the allowance aggregation dictates, area as Fee-for-service affairs acquiesce you to go anywhere you want.

Another accomplished way to save money on your allowance is to see if you can get it as allotment of a group. Perhaps your employer offers insurance, or your union. Other associations that action the adventitious to get in on a accumulation plan are churches and able associations.

Be smart, attending around, and analyze your options. That's the best way to save on bloom allowance and get a acceptable deal.


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Friday, March 14, 2008

Protect Your Income














Disability income insurance can protect your income in case of accident or serious illness, but it really depends on the amount of disability income insurance you purchase as to whether or not it will be able to meet all their financial needs. Disability insurance can be purchased up to a certain percentage of your income and is tax free if you pay for it yourself.

It is interesting to note that the risk of disability is higher than the risk of dying at an early age and yet most people would consider life insurance when little thought is given to the need for disability insurance.

In order to find the best prices for insurance and the same time acquire a disability insurance service of high quality, we need a lot of research and compare multiple offers you may have. Now if you need Disability Insurance you can visit ProtectYourIncome.Com the online source for your disability insurance.






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