There are a lot of misconceptions related to travel insurance, and understandably most people aren’t as well versed in the fine details of travel insurance 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 travel insurance policy.
So, I’ve compiled this mini travel insurance FAQ to assist those who have doubts, worries or questions about travel insurance.
Q: What should I do before going abroad?
A: Make sure you have adequate travel insurance and that 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 insurance 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 from travel insurance?
A: As long as your reason is within the scope of cover provided by your insurance, then you should be entitled to claim in most cases. Legitimate reasons for canceling 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 travel insurance, the 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 (EHIC) 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 travel 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 the travel insurance, 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 (fto.gov.uk). 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.
Friday, August 15, 2014
Top Tips For Becoming A Home Based Travel Agent
Of all the home-based business possibilities, it’s hard to imagine one that’s more fun or potentially profitable than operating a home-based travel agency.
Not only do you get the enjoyment of sending people off on their dream vacation, but you earn a good commission for selling services that you do not have to actually provide yourself. What could be better than that?
If you’d like to become a home-based travel agent, and enjoy discounted or even free trips for yourself as well, then the following “Top Tips For Becoming A Home Based Travel Agent” will get you started in the right direction.
1. Affiliate with a legitimate host agency that has all of the required certifications.
The most successful home-based travel agents are independent contractors who work with a host agency. You use the host agency’s resources and established relationships to tap into their network of travel vendors and suppliers. It’s important that your host agency has the proper industry credentials and that they have a program in place that allows you to use those credentials in order to establish yourself as a legitimate travel agency.
As a home based travel agent you need certain credentials like the CLIA card. CLIA stands for the Cruise Line Industry Association. This industry-recognized credential allows you special agent rates on discounted cruises and offers a whole array of benefits to you and your customer.
To be recognized as a travel agency most host agencies are usually bonded and accredited through ARC/IATAN. ARC was established by the travel industry to provide prompt, efficient, and secure distribution and settlement of travel purchased in the U.S. IATAN-International Airlines Travel Agent Network endorses travel agents and provides the IATAN ID card, which identifies you as a U.S.- based travel sales professional.
If you are considering working with a host agency that doesn’t provide you with their IATAN/ARC number, and other required credentials, move on and select one that does.
2. Choose a host travel agency that provides comprehensive training
Even though you are an independent home-based travel agent, you still need professional quality training so you know how to operate in the travel industry as well as what you are and are not allowed to do.
Getting up-to-date on the best places to travel, tourism trends, and how to fulfill the needs of your customer is vital to your travel business. You want to choose a host travel agency that offers comprehensive training and courses on various travel services, products, marketing, etc.
For some host agencies, taking a course or training is necessary in order to be eligible for certain travel credentials. And, although it is not required to book travel, your job will go much easier and you’ll develop more repeat business, if you are well-trained and well-informed.
3. Choose a host travel agency that will help you promote your business.
Don’t choose a travel company that does not offer some assistance with marketing your travel business. The best ones will offer a turn-key website or online booking engine for your clients to use when booking their travel.
Even better are the travel companies that also provide you with automated marketing tools such as auto responders to handle email campaigns and promotions.
You’ll save money, and gain more customers, if you partner up with a host travel agency that provides ready-made templates to print business cards, postcards, flyers, etc. These are all the tools in your marketing arsenal that will help you get the word out about your home-based travel business.
4. Choose a host travel agency that handles ALL of the travel details for you.
Most host agencies handle all the booking and routine travel details for your clients, but what happens if a name is misspelled on a plane ticket or your customer wants a refund? Find out what type of customer support is available and read their policies carefully before you sign on as a home-based travel agent.
Not only do you get the enjoyment of sending people off on their dream vacation, but you earn a good commission for selling services that you do not have to actually provide yourself. What could be better than that?
If you’d like to become a home-based travel agent, and enjoy discounted or even free trips for yourself as well, then the following “Top Tips For Becoming A Home Based Travel Agent” will get you started in the right direction.
1. Affiliate with a legitimate host agency that has all of the required certifications.
The most successful home-based travel agents are independent contractors who work with a host agency. You use the host agency’s resources and established relationships to tap into their network of travel vendors and suppliers. It’s important that your host agency has the proper industry credentials and that they have a program in place that allows you to use those credentials in order to establish yourself as a legitimate travel agency.
As a home based travel agent you need certain credentials like the CLIA card. CLIA stands for the Cruise Line Industry Association. This industry-recognized credential allows you special agent rates on discounted cruises and offers a whole array of benefits to you and your customer.
To be recognized as a travel agency most host agencies are usually bonded and accredited through ARC/IATAN. ARC was established by the travel industry to provide prompt, efficient, and secure distribution and settlement of travel purchased in the U.S. IATAN-International Airlines Travel Agent Network endorses travel agents and provides the IATAN ID card, which identifies you as a U.S.- based travel sales professional.
If you are considering working with a host agency that doesn’t provide you with their IATAN/ARC number, and other required credentials, move on and select one that does.
2. Choose a host travel agency that provides comprehensive training
Even though you are an independent home-based travel agent, you still need professional quality training so you know how to operate in the travel industry as well as what you are and are not allowed to do.
Getting up-to-date on the best places to travel, tourism trends, and how to fulfill the needs of your customer is vital to your travel business. You want to choose a host travel agency that offers comprehensive training and courses on various travel services, products, marketing, etc.
For some host agencies, taking a course or training is necessary in order to be eligible for certain travel credentials. And, although it is not required to book travel, your job will go much easier and you’ll develop more repeat business, if you are well-trained and well-informed.
3. Choose a host travel agency that will help you promote your business.
Don’t choose a travel company that does not offer some assistance with marketing your travel business. The best ones will offer a turn-key website or online booking engine for your clients to use when booking their travel.
Even better are the travel companies that also provide you with automated marketing tools such as auto responders to handle email campaigns and promotions.
You’ll save money, and gain more customers, if you partner up with a host travel agency that provides ready-made templates to print business cards, postcards, flyers, etc. These are all the tools in your marketing arsenal that will help you get the word out about your home-based travel business.
4. Choose a host travel agency that handles ALL of the travel details for you.
Most host agencies handle all the booking and routine travel details for your clients, but what happens if a name is misspelled on a plane ticket or your customer wants a refund? Find out what type of customer support is available and read their policies carefully before you sign on as a home-based travel agent.
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