TRAVEL INSURANCE...who needs it?

Why should I buy travel insurance? Isn't it just a gimmick for my travel agent so they can up-sell me and get higher commission?

Given all the factors that could upset or interrupt that dream vacation you have been planning for forever now, is it worth the financial gamble not to buy that insurance? You hear it on the news everyday, political unrest or natural disasters around the world. Or, maybe it is a little closer to home; you suddenly fall ill, a family member passes, or you were on the way to the airport when you were in a traffic accident. Any or all of these events could spoil your chance at enjoying that long-needed vacation, and you could loose all those non-refundable dollars you invested in that trip.

So why invest in travel insurance?

To protect you against the unexpected; to protect your investment in this vacation; and simply to provide you with some peace of mind. Furthermore, it is best to keep in mind that when traveling to a foreign country, most regular health insurance plans provide only partial or absolutely no coverage for medical expenses incurred when abroad. And if you are covered by Medicare, there is definitively no coverage for health-care expenses outside of the United States.

And for those of us who are scuba divers, most health and life insurance plans do not cover accidents that occur during the participation in any hazardous sports.  And keep in mind if your vacation is on a liveaboard.  Your final destination may be far away from land, and if your luggage does not arrive with you, you may not see it until you return to land.  That is, unless you want to cough up some serious change to have it transferred to you.

What about my homeowners, life, and auto insurance policies? Doesn't my credit card have travel insurance already?

Your other insurance policies may cover some of the expenses, but once again, are often very limited when traveling abroad. Most credit cards who offer travel insurance have coverage that is limited to an low-level annual cap or a limited lists of reasons. Both trip interruption and travel delay coverage are limited as well. In addition, most credit cards do not cover medical expenses or evacuation.  And what about that insurance you purchase through the airlines you're flying with?  Well, it might cover minor expenses, but read the policy carefully.  Generally, the airline is out to cover itself more than you.

Aren't there always a bunch of "loopholes" hidden in the fine print?

As with any contract, read everything and do your best to understand it thoroughly. If you don't understand something, ask questions. Everything you need to know about your travel insurance plan is covered in the "Policy Certificate". And for consumer protection, all travel insurance companies provide a limited "Free Look Period" so that you may review your policy after purchase. If after purchasing a particular plan you feel it is not the right one for you, you can cancel it for a 100% refund, if you do it within the specified time period.

So what am I looking for in this fine print to avoid these "loopholes"?

1) Cancellation/Interruption Coverage

There isn't a policy out there that covers everything. Make sure to read the list of cancellation reasons covered in the Policy Certificate by a particular plan to ensure it meets your needs. If in doubt that you have all the coverage you need, you can generally opt to spend a little extra on a "Cancel For Any Reason" rider to cover all your bases.

2) Pre-Existing Conditions

Insurance is meant to cover sudden or unexpected events; not a condition that happened prior to the purchase of insurance. Many travel plans offer an optional waiver to the "Pre-Existing Condition Exclusion" for a small fee and based on a few requirements.

• You must buy the insurance soon after your payment of your trip deposit (initial payment)
• You must be medically cleared for travel at the time of purchase
• You must insure the full cost of your trip

3) Coverage Exclusions

Read and understand your Policy Certificate for the general policy exclusions. Some examples of exclusions would be pregnancy-related issues, loss due to intoxication, self-inflicted injuries, etc.

4) Enrollment

Don't enroll too late. Get travel insurance within days of your first payment. This will maximize your period of cancellation coverage. If you get sick before you purchase insurance, it's too late. If that hurricane looming in the Caribbean is already named, it's too late.

5) Incomplete Documentation

Your Policy Certificate will outline the various documentation required to be submitted for a claim. For example, a cancellation claim due to injury or illness needs to be the result of a doctor recommending cancellation of the trip. If you have any issue that will affect or has affected your trip, contact your insurance company immediately and start saving all documents and receipts for submittal to cover your bases.

Remember, you can avoid the frustration of "loopholes" down the road if you take the time to read and understand your Policy Certificate, and buy your travel insurance plan early.

So what's this travel insurance going to cost me?

It all depends on the trip cost, your age, and the amount of coverage you choose. Generally, you can find a very basic plan for about 4% of your trip cost, or a premium coverage plan may go up to over 12% of your trip cost. If you opt to protect yourself by choosing a travel medical insurance only plan, the cost can be as few as dollars per day.

Ok, so maybe I will buy travel insurance after all. Where do I go next?

Well, if you book your travel through me, for your convenience, a quote from Allianz Travel Insurance will be sent directly to you at the time of booking.  The quote will be re-sent automatically one week later if you do not respond.  After that, if you choose to opt out, a waiver will be sent that says you have chosen to decline insurance.

For divers in particular, you have to remember your primary medical insurance may exclude scuba diving as a hazardous sport. If it does cover scuba diving, it may pay only a minimal amount for chamber treatment. Both the DAN (Divers Alert Network) and Diveassure Dive Accident Insurance Plans provide coverage locally and around the world. They are recognized worldwide and can be confirmed easily by a phone call 24 hours a day. Not only do these providers cover dive accident insurance, but dive travel insurance as well. No matter how many dives you do or how many trips you do in a year there are plenty of choices from either DAN or Diveassure. Both DAN and Diveassure have 3 levels of dive accident insurance to choose from.

           DAN Insurance                                                                                        Diveassure

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5 Steps to Set the Stage for a Sensational Scuba Vacation

Planning a sensational scuba vacation can sometimes be a very stressful endeavor, especially when you want to get the best value for that precious time off.  So where do you start?  Well, organization is key to reducing stress, so I suggest you start with these 5 basic steps.  You know what is also key to reducing stress when it comes to your vacation?  Ask your friendly dive travel specialist to help.  That's why I'm here.  But back to the business of these 5 nuggets for creating your next delightful dive adventure.  There are often many factors to consider when planning a scuba vacation, especially to more remote destinations, but some of the basics include choosing the destination, picking the best time of year to travel there, and how to pack for this destination without breaking the bank with overweight baggage fees.  So to help you plan a dive trip that lives up to your expectations from start to finish, I've simplified the planning process into 5 basic steps.

Step 1:  Where Do You Want to Go?

Start out by jotting down a short list of destinations you want to experience.  Why do you want to go there?  Is it to see specific marine life?  Are you out to photograph a particular species?  Is it because you love a particular type of diving, like wreck diving?  

Are you looking for a destination that is friendly to particular requirements?  For example, you are traveling with children.  Your dive club prefers shore diving to boat diving.   Your group is comprised of a majority of inexperienced divers.

Finally, you will need to research some practicalities that may limit the destinations you choose.  This is where an expert comes in handy.  Your destination choice may be limited by your budget.  Or your chosen destination's visa and vaccination requirements may make going there more challenging then another destination.

Step 2:  What Type of Adventure Are You Considering?

Once you've narrowed down your options for a destination, then the next thing to consider would be what type of adventure would you prefer.  Explore what options are available to you at your chosen destinations.  Are you looking for a land-based resort?  One that is dive-dedicated or a more traditional boutique resort or hotel with access to dive operations?  Would you prefer to focus only on diving, or are you looking for a destination with many adventures available on land as well.  Or, maybe you would prefer to experience less land, and more dive sites, and are considering a liveaboard vacation.

Go back to Step 1. to remember the main purpose of this dive vacation.  Let's say, for example, if you opt for a destination focusing on a liveaboard experience, you need to consider if this is an optimal choice for a family-friendly vacation.

Step 3:  When to Go?

Your next step after narrowing down a possible destination is to research when is the best time of year to go.  A prime travel window may be dictated by Mother Nature and seasonal conditions, including factors such as weather, water temps, visibility, and ocean conditions (especially for liveaboard options).  For example, for the gamblers looking for low season pricing, the Caribbean during hurricane season may be an option, as long as you remember to purchase travel insurance to cover your bases.

Seasonality and migration patterns may also dictate a destination choice if your vacation is based on a target species.  For example, your destination choice, and travel window, may be based on the migratory patterns of hungry whale sharks or breeding gray whales.

Step 4:  How Are You Going to Get There?

After you've narrowed down the where, what, and when, you need to delve a little further into the how.  What does it entail to arrive at your chosen destination?  It may simply be a direct flight from your nearby hometown airport to the desired destination with a quick transfer to the resort.  Or it may be a bit more complicated, with multiple connections, long layovers, and both boat and land transfers to get to that remote island.  These details will undoubtedly factor into your budget and length of trip as well.

The devil is in the details.  When choosing your air transport, don't forget to factor in baggage fees.  And investing in travel insurance is generally a wise option, especially when committing to a more complex or expensive adventure.  Finally, it goes without saying that you should always keep your dive accident insurance current, whether you are diving locally or overseas.  It is a small price to pay for peace of mind.

Step 5:  Will This Destination Be Equipment Intensive?

When you combine all 4 steps above, the final step in this planning process is taking into consideration what type of gear will be needed.  If you are an occasional diver with no gear of your own per se, you will need to factor in what equipment will be required at this destination and how the price of equipment rental will factor into your budget.  If you are a prolific diver wisely set up with a full arsenal of lightweight travel gear, then you need to reflect on the type of diving you will be doing.  How much photo gear are you lugging along and can you fit that into the airline weight limits?  Are you night diving?  Will packing your lights be worth the weight?  Or would it be wiser and cheaper to rent lights from the destination dive operation?  If you are a tec diver, no doubt you prefer your own equipment, so you will definitely need to research airline restrictions before jetting off on your next adventure.

Finally, prepare a checklist for yourself of everything you wish to pack, from clothing to toiletries to dive equipment, to make sure nothing is forgotten.  I suggest you do a trial packing run at least the week before departure to figure out what needs to go, what could really stay, and how much it all weighs so there are no surprises at the airport or at your arrival at the resort.  Remember, to avoid stress when luggage arrives late or goes missing, pack you most important and most valuable items in your carry-on baggage.

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KNOW BEFORE YOU GO...Travel Advisories & Warnings

You're sitting at your desk, staring at Google Earth on your computer screen, planning out your next travel adventure. You say to yourself, "Now wouldn't that be a cool place to visit?", but then you remember maybe you heard something on the news last night about some political unrest in that country. Maybe that isn't such a great place to go to after all. Or is it? Take a little time and do your research before you rule it out.

Did you know that you have resources at your fingertips to find out what is going on all around the world? There are agencies that post advisories about political unrest, terrorism, natural disasters and disease in order to alert travelers to what is going on in a region, you just have to know where to look. And just because a country has an advisory or warning posted, it may not necessarily be a country you don't want to visit. There just may be a certain region you should avoid. For instance, an island country took a direct hit from a typhoon, but maybe only the northern islands were affected while the remaining islands sustained no damage. Choosing not to visit this country all together could have a serious effect on this country's tourism trade and economy. Take time to delve deeper into what you hear on the six o'clock news and make sure you get the full story before ruling out that destination.

How Serious Do I Take That Warning?

You have to look at a particular warning and decide how it may actually affect your plans. To do this you may want to ask a few questions:

1) Does this warning encompass the entire country, or just a specific region?

Like I mentioned above, a natural disaster may only affect a portion of the country and not the country as a whole. Or in the case of political unrest, demonstrations and violence may be occurring in and around only one specific city, but some destinations away from that city may still be safe for tourists.

2) What exactly is the danger being specified in the advisory?

For instance, once again political unrest, are the demonstrations and violence being directed toward tourists, or are they strictly directed toward their own government entities and representatives. Another example is the typical annual advisory issued for the Atlantic and Eastern Pacific oceans every time hurricane season rolls around again. With this type of advisory, you may just want to make sure you have good travel insurance, or you pick another time of year to travel to that destination.

3) Is travel insurance an option?

Make sure you know what that travel insurance you are thinking of purchasing covers. Most policies do not cover acts of war, riots and/or civil disorder.

4) When was that travel warning or advisory dated?

If it has been several months since the last advisory was issued, you may just want to do some additional research to see what the current status in that country is. Things may have actually improved. A good source of information may be international news agencies.

5) Do other governments corroborate these warnings?

It has been speculated that some warnings are influenced or instigated by the current political atmosphere. You may want to check other English-speaking governments' websites (ie, Canada, the U.K., Australia and New Zealand, for example) to see if they are of the same opinion as to the state of the country to which you want to travel.

6) Is there a safety net for foreign travelers in that country?

Does your home country have an embassy or consulate established in that country? Is it fully staffed and functioning? Embassies are there to assist travelers who are in need of evacuating a country, or need to get in touch with loved-ones back home. Make sure there is some sort of assistance available to you should the worst happen.

To further educate yourself about what may be going on in the country you wish to visit, you may want to check out the following sites.

The U.S. Dept. of State has a page to assist the traveler with alerts  and warnings. They define "Travel Warnings" as an issue you might want to consider very carefully to determine if you wish to visit that particular country at all. A "Travel Alert" is a short-term issue you may want to know about when planning your trip. They also provide a wonderful travel resource page which links you up with all sorts of information from things like obtaining your passport or visa,  to various travel tips, to handling emergency situations abroad.

Homeland Security has a travel alert page which directs you to TSA, U.S. Customs and Border Protection, the Department of State, and the Centers for Disease Control and Prevention.

The CDC's website offers great information on what vaccines you may wish to get before traveling to a country, as well as advice to travelers on packing your prescriptions and over-the-counter drugs. They also provide travel health notices and updates for destinations around the world.

So what do I do if I decide to chance it and go anyway?

Many tourists often take the warnings into consideration, but choose to travel despite them. If that is your case, then make sure you cover your bases just in case.

1) Take your first STEP toward preparation.

The U.S. Bureau of Consular Affairs  offers a free service allowing U.S. citizens and nationals traveling abroad to enroll their trip with the nearest U.S. Embassy or Consulate. The benefits of enrolling in the Smart Traveler Enrollment Program (STEP) are:

• The traveler will receive important information from the Embassy about safety conditions in their destination country to help them make informed decisions about travel plans.
• Enrollment will assist the U.S. Embassy in contacting the traveler in an emergency, whether natural disaster, civil unrest, or family emergency.
• It will also help family and friends get in touch with the traveler in case of an emergency.

2) Stay in touch.

Stay in touch with the folks back home by either email or phone. Not only will this let them know you are ok, but may keep you informed about what is going on in the world. Also, always leave a copy of your itinerary at home so that people will know where you are supposed to be and when in case you fall out of touch. (Also, leave a copy of your passport with them just in case it is lost or stolen.)

3) Have a plan just in case something does go wrong.

Find out the location of your country's embassy or consulate in the area(s) you will be visiting and make sure to carry a copy of the address and contact details with you. This could be a great resource in assisting you to return home in case of an emergency.

4) Be prepared. Stay safe.

Purchase that travel insurance plan. Check with your doctor to make sure you have the necessary vaccines. Use the links above to do your research. Inform yourself of the political and cultural atmosphere of the area to which you are traveling. And finally, learn the tips and tricks essential to avoid being a victim of tourist scams and other crimes.

Like what you've read? Want to learn how to better enjoy your scuba diving vacation? Maybe you'd like to travel with Delightful Departures on an upcoming adventure? Become part of the Delightful Departures community. Discover different destinations and travel tips in our biweekly newsletter.  Join today.

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GROUP TRAVEL - More Fun When You Do It With Friends

I know many solo divers out their just enjoy the serenity of the sea by themselves.  The peace of listening to only your bubbles as you move at your own pace enjoying the activities of the creatures of our great underwater world. But for me, scuba is totally a social activity and I enjoy nothing more than diving with my friends, whether locally or on some spectacular international adventure together.

I started leading group trips for my husband's dive shop, our dive club, and now for my travel company, a few years back now (time flies when you're having fun), and I have had a great time doing it.  I've led several groups to destinations in the Caribbean and the Pacific, and loved every minute of it.

It is so fun to come back from a day of diving, kick back over a nice drink and a good meal, and share all our fish tales of the day with each other.  Then at breakfast you meet again, smiles on your face, and everyone ready to go for another fun day of diving.  Sharing the experience is half the fun.  You may not have been great friends at the beginning of the trip, in fact you may have been complete strangers, but by the end of this amazing bonding experience you are friends & dive buddies for life.

Become your own group leader

I want to share with you how to become your own group leader so that you can look like a hero to your dive group, as you lead them on a fantastic journey.

Did you know that SCUBA resorts and liveaboards often offer discounts for groups?  Do you want to learn how take advantage of these discounts yourself? Well, here's the scoop.

You don't have to be a dive shop owner or a dive club president to take advantage of group specials.  The most common discount offered is for a group of 11 travelers - "10 Paid/1 Free". This generally means both accommodations and diving will be free for the group leader, not including taxes and service charges. Sometimes there are other added incentives like a free night dive or free NITROX (for qualified divers) for the group leader. Other times, the group requirements may be smaller to get that free spot.  It all depends on the resort, the season and the availability.

So how does this work for you?

Say you and a few friends are planning your next SCUBA adventure together and you have a destination or two in mind.  Call your friendly dive travel specialist to find out what resorts or liveaboards in those areas offer group specials and how many people you need to make a group.  Once you've got the details, then go out and recruit more friends to join you on the adventure.  It's that easy.

Then it is up to you how you want to use that free spot.  1) You can take the value of the free spot and share it with everyone in the group as a discount on the regular retail price, or 2) If you are the one keeping in contact with your dive travel specialist, organizing everyone and everything, you can keep the free spot for yourself.  You're doing the work - you deserve it. 

Make dive buddies for life

Group travel is great for keeping dive buddies together by sharing awesome experiences, as well as family reunions and work retreats. And guess what - Not everyone in the group needs to be a diver to take advantage of these savings.  So now that you know the basics of what to do to take advantage of group savings, go out there and form your own scuba travel group. It's pretty easy, and the right dive travel specialist will be there to book the travel and help you sort out the details - No Sweat!


For tips on being your own group leader, click here:

10 Tips for Group Travel

Like what you've read? Want to learn how to better enjoy your scuba diving vacation? Maybe you'd like to travel with Delightful Departures on an upcoming adventure? Become part of the Delightful Departures community. Discover different destinations and travel tips in our biweekly newsletter.  Join today.

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KNOW BEFORE YOU GO...Playing the Baggage Game

You've decided on your destination. Your dive travel specialist has made all the arrangements for you to have a stress free vacation. You leave in just a couple of days, but before you can stretch out in that hammock on the beach, first you have to deal with the dreaded airlines' baggage check and making it through security with little hassle from TSA. Well, in order to minimize the stress of dealing with the airport before getting to your dream destination, it is best to be prepared and know the restrictions you face baggage-wise before you go.

AIRLINE ALLOWANCES

Gone are the days of free checked baggage with most airlines when traveling domestically in Economy Class. Most charge a minimum of $25 for that first checked bag and fees go up from there for additional baggage.  If you're not careful, that great low air fare you thought you snagged will go up in smoke with baggage fees.  So in order to avoid this, most of us are now trying to cram as much as we can into our carry-ons, but be careful there too. The airlines have caught on to this and are becoming more strict about carry-on baggage allowances as well.  Be especially careful to make sure which Economy class you booked.  If you booked BASE Economy, you won't be allowed to have carry-on.  

Thankfully, when traveling internationally, most airlines allow you at least one free checked bag, but once again beware the strict restrictions on weight. And if you think you are going to pack that extra weight in your carry-on, think again because many airlines have low weight allowances even on carry-ons.

The good news in all of this is that most airlines, whether traveling domestically or internationally, allow economy-class passengers one carry-on bag plus one "personal item". Personal items are defined as a purse, briefcase, backpack, laptop bag, musical instrument case, or other small bag. In addition, most airlines will allow you to carry a jacket, umbrella, camera, limited amount of duty-free merchandise, or other hand-held items such as reading material, as well. When traveling with your spouse or partner, make sure to take full advantage of the one carry-on plus personal item per passenger, even if it means one of you is carrying a practically empty bag. You can always use the extra space on the return home for all those goodies you gathered, or the damp clothing that is adding weight to your checked baggage.

Keep in mind when it comes to baggage, that size does matter. When trying to determine whether or not your bags fit into the size restrictions, use this handy-dandy guide below along with a measuring tape and some basic math to figure out where your bags stand. Both carry-on and checked bags must fall within certain combined linear measurement allowances (length + width + height) to be allowed on airplanes. For most carry-ons, the maximum linear measurement is 45" (14" x 9" x 22"). Personal items are often limited to 36" (9" x 10" x 17"). Checked bags are generally limited to 62 linear inches.

And of course, let's not forget weight. When it comes to carry-ons this can vary quite a bit, so you will want to double check with your airline.  On average though, for checked bags, 50 lbs is the standard allowance for most airlines. As a quick reference, you can my Carry-On/Checked Baggage Guidelines I have assembled.  Just click here to get your own copy.  Make sure to get yourself a handheld luggage scale to verify the weight of your bags. Don't forget to give yourself some wiggle room because sometimes those airport scales add a few ounces to the bag you just weighed so carefully at home. And make sure to take that scale with you for when it's time to come home and you have to juggle those items you just had to have between your bags to meet the weight limits.

Free Baggage Guidelines

GOT THE 3-1-1 ON CARRY-ONS?

Now let's talk about getting through security before getting that carry-on on the plane. The Transportation Security Administration (TSA) has tried to make it as simple as 3-1-1 to  get you through security without a hitch. Liquids or gels in a container greater than 3.4 oz will have to be packed in your checked bags. Otherwise, you are allowed liquid/gel containers 3.4 oz or less, in 1 quart-size clear plastic baggie per person. 

Items under these restrictions may include shampoo, conditioner, toothpaste, lip balm, shaving cream, etc. For more information on what you can put in your carry-ons, check out the Transportation Security Administration website:
http://www.tsa.gov/

Important Reminders

• Pack your photo ID, medicines, prescriptions, cash, keys, jewelry, electronics, and cameras in your carry-on baggage — not your checked baggage. (For scuba divers, this should also include your dive computers, too.)
• Make sure all prescriptions are in their original container with the prescription label. Do not put them in a pill box when traveling.
• If you are carrying gifts onboard, make sure they are unwrapped for easier security clearance. All carry-on baggage is subject to inspection by TSA.

Some simple tips for speeding up your passage through the lines: 1) Wear shoes which are easy to slip on and off (avoid laces), 2) Keep your metal jewelry and accessories to a minimum (guys avoid those big belt buckles), 3) Have your liquid baggies easily accessible to pull out and put in the x-ray trays, 4) if you are like me and have a detachable wide-angle lens for your camera, pull it out of your bag and put it in the tray for screening, unless you want your bag to be searched, and 5) when you get through x-ray, grab your trays and move out of the way. There are generally tables and benches at the end of the line to reassemble yourself. Please do not cause a big backup taking your time putting your shoes back on just as they come out of the machine, that is unless you want the passengers behind you to become irritated.

And don't forget, to avoid all this TSA inconvenience, you should check into the TSA Precheck program, or for international travel, the Global Entry program.  These programs will help save you a lot of pain and suffering.

So before you go on your next be trip, just take some time before you get to the airport to be prepared. It will make the beginning of your trip more enjoyable and not diminish the excitement of getting to that great destination awaiting you.

Like what you've read? Want to learn how to better enjoy your scuba diving vacation? Maybe you'd like to travel with Delightful Departures on an upcoming adventure? Become part of the Delightful Departures community. Discover different destinations and travel tips in our biweekly newsletter. In addition, you'll receive my Carry-On/Checked Baggage Guidelines just because.    Join today.

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