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If you’re traveling to Virginia Beach, consider yourself lucky. People who’ve never been there have no idea what they’re missing, and you’re about to experience it. Long expanses of white sand stretch as far as you can see from dozens of beautiful, waterfront hotels. The breathtaking ocean views will make you lose track of time, and after sunset the nightlife will keep you entertained. However, your hotel very easily influences the beauty and fun of Virginia Beach.
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Is Travel Insurance Really Necessary?

Travel is already expensive enough, isn’t it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don’t know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it’s not really needed?

My personal answer is, of course, that I am not independently wealthy and can’t withstand the potential financial losses if I require medical care while I’m traveling. Not being independently wealthy also means that I’m in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance. If you’re still not sure about that, consider the following.

Did you know that if you get sick or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur? If the costs of treatment are higher than the maximums of your medical plan, you will be responsible for the difference, unless you have already purchased travel insurance. In fact, you may not even be admitted into hospitals in some countries without proof that you have health or medical insurance.

This is true for everyone, regardless of age or length of time abroad. Suppose you fall ill just a few hours after arriving at your destination. Or suppose you make a day-trip to another country, and you are injured in a traffic accident. Or suppose one of your children is part of a group making a class visit abroad, gets food poisoning and requires hospitalization. In all cases, without adequate travel health insurance, you will be responsible for the costs above and beyond the limitations of your existing medical plan.

Therefore, before going abroad, you need to make sure that you are adequately covered by travel medical insurance that won’t break your budget. You should check to see if appropriate coverage is already available to you through your medical plan, employee benefits, or even through a credit card. If the coverage is sufficient for your needs, then you can enjoy your trip without incurring the extra expense of travel insurance. However, if you are not sure of your coverage, or if your coverage is inadequate or non-existent, then your next step should be to research and purchase the travel insurance coverage you need.

How Much Can You Expect To Pay?

When I bought my first plane ticket to China a few years ago it cost around $2000 round-trip, and my travel insurance cost me over $500 because I didn’t shop around for cheap travel insurance online.

A few years later, a little bit older and wiser, and my travel insurance for another trip to China cost me much less–about $300 for roughly the same coverage. The difference? Before buying my travel insurance for the second trip, I shopped around online and got the coverage I needed, at the right price. If I’d have purchased my travel insurance for this latest trip from my travel agent, it would’ve cost me about $600 for the trip, and my plane tickets only cost $1,500! Not exactly the smart way to go.

So how much will it cost you? Not as much money as it will cost you if you get sick or injured abroad and you don’t have any travel insurance coverage! That’s the obvious answer to the question.

In fact, how much travel insurance costs will depend on your age and the type of coverage you choose. Basic policies cost as little as $5.50 USD per $1000 of coverage. On the other hand, you can expect a full coverage policy to cost you from 7 to 10% of the cost of your trip, depending on your age. The older you are, the more you will pay. No matter what the cost of the policy, however, it’s sure to be much less than the cost of medical evacuation!

The good news is that you can easily, conveniently and quickly research and locate excellent but cheap online travel insurance and reduce the costs while making an informed purchase. This is much better than taking what you are offered at the travel agency because you can choose from hundreds of travel insurance companies and polices and save yourself a lot of money in the process. One place you can start your search is at Travel Insurance Central, http://www.travel-insurance-central.com

What You Should Consider When Buying Travel Insurance

To assist you in your research, here are some suggestions to help you make an informed purchase.

1. Consider the worst-case scenario. If you can financially withstand the worst-case scenario then maybe you don’t need travel insurance or maybe you don’t need a comprehensive policy.

2. Make sure the policy you are considering provides adequate medical/dental coverage, including medical evacuation coverage just in case you need medical care in a place where the best treatment available is below the standards you are accustomed to in your country. This can happen if you fall ill in a developing country or even on a cruise ship.

3. Check your existing insurance policies for possible coverage. There is no sense in paying more for what you already have in your homeowner or tenant policy, such as theft and loss coverage.

4. If you are a frequent traveler, you should consider annual or year-round travel insurance policies. Sometimes they are called multi-trip travel insurance policies. Whatever the name, these policies can be relatively cheap when compared to single-trip travel insurance policies.

5. Know what you are buying, so read the fine print. Make sure that you understand what the company considers to be a legitimate reason for cancellation or interruption. If the list is too restrictive, maybe you should consider another policy.

6. Don’t restrict yourself to buying only from your travel agent. He/She will probably only have one company’s product(s) available, and it’s there for your convenience, but that convenience can be quite costly!

7. Ask lots of questions about the coverage. Play the “what if” game. Ask for clear explanations of terminology. Make sure that you and the travel insurance company are speaking the same language.

8. Don’t buy the insurance through your transportation provider. If the airline goes bankrupt, how adequate will your insurance coverage be?
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Although traveling by air is the fastest way to move from places to place while traveling by car is convenient and comfortable and traveling by bus is the cheapest, not one of them can be compared to the unique experience trail travel could give.

Trail travel might not be the most popular way people move. This could be because of the length a trip could take compared to air traveling. Another reason could be the monotony of sights that might bring boredom to passengers. Another could be the price one single train travel could cost compared when taking a bus. All these contribute to the decreasing popularity of train travel but it does not mean that train travel is not good at all. In fact, with a little wit and personal creativity, one could enjoy train travel.

1. Expect to travel for long hours. In this way, you don’t have to look at your timepiece regularly or ask a crew with the most annoying question you also would not want to hear: “Are we there yet?” Keep in mind that if you are crossing state boarders, train travel could take more hours than driving your own car at your own phase. And sometimes, train schedules are not met so you don’t have to nag every crew with the train schedule.

2. Relax and enjoy the scenery. If you are traveling during daytime, you could see sights that might not be possible to see if you are traveling by plane, bus or car. Try to enjoy the scenery. You can even bring binoculars to help you see more views closer.

3. If you are a reader, this is the best time to read. Trains are more stable than bus. So if you would like to read without controlling the motion of your hand with the book, the train could provide you with stability. Bring a book of your favorite author. You can also consider finalizing your report if you are going to present it on meetings.

4. If you are not into sightseeing and reading, you can bring your portable CD player or iPod. Bring your most favorite albums you could bring. Or, if you have an iPod, you can store all your songs to your library. Make sure you have spare batteries.
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Let’s start with wine bars and cafes! In Italy bars are literally on every corner. Do not confuse them with the classic American bars. Italian bars ( or caffè) serve café, cappuccinos, hot chocolates, tea, light snacks and aperitifs. We recommend in particular 2 historic places.

The Gilli which is a wine bar and restaurant and since 1733 it has been serving also all kinds of treats and light meals.. (Piazza della Repubblica,ph: +39 055 213 896). And just in front the Giubbe Rosse Cafè where you can have brunch from 9€ or a complete menu from 18€ ( Piazza della Repubblica 13/14; ph: +39 055 212 280).

Tip: a coffee is way too cheaper (up to 1€) at the counter that at your sit at the table. In this way you can enjoy a good coffee-break in fantastic places without spending a fortune!

Once stuffed with an excellent Italian Breakfast with cappuccino and brioche you are ready to visit the Uffizi Museum, probably the reason why you got your flight ticket to Florence!

Palazzo Vecchio (Uffizi) is an amazing palace set just around Piazza della Signoria, once the centre of political power and city life. Just behind there is the spectacular Ponte Vecchio housing numerous antique and modern jewellery shops and the Signoria open arched gallery

In the Uffizi Gallery you can enjoy Italian masterpieces from Medieval period to Modern. Just to give you some masters’ names: you will be meeting Leonardo, Michelangelo, Botticelli and Caravaggio.
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