Monthly Archives: October 2014

Draped In Insurance Plans

Times sure are changing. There was a time when bullocks and horses acted as transport systems. In today’s world, bullocks and horses are themselves carried from place to place on vehicles driven by engines. There was a time when all that a girl could hope for was to marry a good and sufficiently wealthy man. These days, women make their own money and only if they are so inclined do they think about marriage. There was a time when the only available insurance plan was on life. Today, anything can be insured. From diamond jewelry to pets to footballers’ feet, any and everything is subject to being insured.

The most common types of insurance, of course, are motor insurance and home insurance. You can insure your car so that later on, making repairs will be relatively easier on your pocket. Moreover, several countries insist that no car should be taken out on the road without its first having got insured. Are you surprised at that rule? Well, you really should not be. After all, given the large numbers of accidents on the road, it is a good idea to get the cars insured at the very onset. Interestingly, these days, insurance providers have come up with a plan that covers third party cars. Thus, if your car rams into another, your insurance deal will take care of the other person’s repair costs as well.

Getting insurance for your house is also a must. Things like fires and burglaries do not need invitation cards. They come uninvited and either burn or run away with much of your hard-earned dough. A good insurance plan will take care of these unwanted eventualities. At least you will not have to keep on worrying about how you will manage if such a thing does happen. You have insured your house after all.

Medical insurance is another common type. It makes sense to cover yourself for possible medical problems. So, if it does happen that you need to undergo an urgent operation, you will not have to postpone it because of lack of funds.

One up-coming insurance type is the travel insurance. This is a good idea for people who are traveling quite a distance away from their homes. You never know what medical problems may occur. To be stuck without sufficient money in a strange land can be terrifying.

Every day heralds the birth of yet another type of insurance. Which insurance plans would you say are the most important?

Don’t Just Renew Review Your Insurance!

If one of your insurance policies is coming up to renewal for example, your household, motor, pet or annual travel insurance policy don’t automatically accept that your current insurer is offering you the best deal there is.

Most insurers know that when it comes to renewal time, around 70% of their customers will accept the quote, without even seeing if they could get it cheaper elsewhere. This could be because the customers feel don’t have the time or the inclination to bother or genuinely believe they are being offered the best deal there is.

However, this complacency could cost the consumer tens even hundreds of pounds every year. Insurers are running a business after all and most will not reward their customers with cheaper premiums for loyally sticking by them.

By shopping around either by going online or by using an independent broker – you could save yourself a hefty wad of cash and it doesn’t have to be a time consuming exercise.

And while the average consumer is probably sick of being told that “you must shop around” even the Financial Services Authority (FSA – which is the independent regulator set up by Government to look after the financial services industry and protect consumers advocate it!

Do note however that when looking for a cheaper deal, whilst price is important, you should never, ever compromise on cover. No doubt, there will always be an attractive home or motor insurance deal available, but the cover may not be adequate for your needs. The sum insured may not be enough or the policy may not have the same features and benefits.

Therefore, always compare any new quote on a like for like basis with your existing cover and not forgetting to look at the small print and any exclusions.

It doesn’t take long to get alternative quotes and in most cases, you’ll be quids in!

Don’t Forget Your Garden When It Comes To Home Insurance

While the majority of people do realise the importance of having contents insurance to safeguard their possessions from theft and other disasters, very often the contents of the garden are sometimes forgotten and, if you have expensive patio furniture or such like, then this could be a huge mistake.

In a recent study it was found that here in the UK we spend millions on garden furniture, plants and equipment to enjoy what little summer we have. With theft of garden and patio furniture on the increase it is essential that you make sure if you are covered for these in your home insurance policy.

Another fact that came to light was the fact that while people protected their homes with security features very few people gave much thought about enhancing the security in the garden or patio. This has left them wide open to the rising figures of garden and patio thefts which are thought to be around the 1.4 million mark.

However there are many simple ways that you can help to protect your home and garden. One way is to make sure that you get into the habit of enuirng that you put all expensive garden equipment in a locked shed. One of the best precautions that you can take when it comes to securing your garden is to make sure there is plenty of good protection to stop thieves even getting close; a simple sturdy fence is all that is needed to keep prying eyes out.

However, even with the best of intentions and added security,y thieves can still strike and invariably do, so it is essential that you make sure that your current policy covers the extras such as furniture, garden equipment and even such things as bicycles if they are stored outside.

Very often such things will need to have a separate policy in order to cover them; while some policies will have this clearly outlined, more often than not it is in the small print.

When shopping for insurance for your home, the quickest and easiest way to do so is to use a specialist broker, not only can you find excellent advice but you can also get the cheapest premiums. If the cover of the policy doesn’t extend to cover your garden equipment then some companies will give you huge savings if you take extra cover at the same time as your home contents insurance.

Don’t Be Fooled By “Instant Quote” Long Term Care Insurance Websites!

What is the deal with the instant long term care insurance quotes that are all over the net. Lets take a closer.

There are many choices on how we search for information today. Not only do we have resource libraries, and media opinions, but we now have the greatest source of all. A completely unlimited resource that doesn’t care about politics, or media opinions, or the flavor of the day. It’s the information highway, the internet! With the likes of search engines like Google, and Yahoo at our very finger tips it’s very simply to do a quick search on virtually any topic in question. Unfortunately, just like the predecessors before the internet, some things can be manipulated to fool the average consumer. Let’s take a basic search for Long Term Care Insurance. Oh my, millions and millions of hits,now what?? Well as consumers, we think all we need is a price and then just pick the best one, sometimes possibly, but not in the case of long term care insurance. One price does not fit every American’s inquiry on the internet search engines.For example, let’s say we have a married couple in their late 50’s in reasonably good health.

They eat right and take care of themselves physically. Easy right, any product for Long Term Care Insurance. nope, way to many variables. There is absolutely no way this couple could get a fair and honest shake from a site that promises an instant quote. There are always three basic drivers of a long term care insurance plan that determines what company, product, and size of plan one needs, health, age and finances. Health determines best company to utilize; age determines what product is best suited for you; and finances determines size of plans you can comfortably afford. Instant long term care insurance quotes websites may be able to go through a short list of health questions on a site to see if you are even remotely eligible, but that’s it. Then there are medications, doses, pending surgeries, and other controlled conditions that might make a difference to an insurance company. Age is easy enough, but some carriers offer better rates at certain ages than others. Finances are a very unlikely topic to inadvertently display for who knows who, so that’s out too. Now, I’m sure this is beginning to make complete sense.

Only if I had never taken any medications, known exactly what company and plan I can afford, then I could possibly get an Instant Quote from the internet. The bottom line, you need an expert in this field to make recommendations about your future needs. Your stock broker, financial planner, tax accountant, lawyer know little more about long term care insurance, other than they know you need it. That is still more than these instant long term care insurance quotes websites. Ask an expert that specializes in long term care insurance and represents several companies. They are out there, don’t trust the protection of your assets and choices in your care to anyone other than a true expert. Some sites are good, and your name goes to an licensed agent in your state who is an expert in long term care insurance, as well as partnerships, LTCI tax laws and other localized situations. Get as much information as possible so that you can make an educated decision on your long term care insurance plan. Go to a Specialist.

Alot of these sites will give you low quotes to get you signed up and in the door, but just wait for your first real quote from them. Talk about sticker shock! All you would have accoplished is high blood pressure and a waiste of time. Something this is important is worth doing right the first time around.

Don’t be excluded! Know what your travel insurance covers-and more importantly, what it doesn’t.

Whatever your travel plans, buying travel health insurance is a smart idea. Without proper insurance, you could subject yourself and your family to potential risk — and huge financial losses.

Why travel insurance?

When you are away from home even the most minor injuries or illnesses can become a major expense. So while an accident or illness can happen anywhere at anytime, emergency medical travel insurance helps to protect you from the unexpected costs that can come with a visit to a doctor or hospital outside of your home country.

Out of country medical expenses are costly.

The cost of medical treatments and services abroad can be staggering. Even the most minor injury or illness could cost you thousands of dollars. Consider the following example provided by a leading Canadian travel insurance provider the total cost of medical expenses for a 44-year-old who accidentally fell from a ledge was a staggering $457,370. His provincial health plan only covered $29,149, which means that, without emergency medical travel coverage he would have been $428,221 out-of-pocket.

Your provincial health plan may not cover the bill.

Many travellers don’t realize that their provincial health plan doesn’t cover all the costs of medical treatments received outside Canada. At best, your health plan may cover a small portion of your medical emergency costs.

A flight home may not be an option.

Medical evacuation can easily cost more than $10,000, depending on your location and medical condition.

The good news is that even the most basic emergency medical policies can cost as little as $13 dollars a week and provide coverage for emergency medical treatment and services such as:

Hospitalization

Ambulance services

Lab tests

X-rays

Prescription drugs

Emergency flights home

In addition, more comprehensive packages can be purchased that include:

Transportation of a relative to your bedside

Dental accidents

Vehicle return

Out-of-pocket expenses

Childcare attendant

Meals and accommodation

Pet return

Baggage loss or damage

However, you should be aware that emergency medical travel insurance policies do have exclusions, which is why it’s important to read through the coverage details carefully.

Common travel insurance exclusions

In general, most emergency medical policies do not cover the cost of medical treatment for accidents, injuries or illnesses caused by or related to the following conditions or activities:

Professional Sports

Elective treatment or surgery

Alcohol or drug use

Pre-existing conditions

Mental, emotional or nervous disorders

Speed contests or organized motor contests

In addition, most basic emergency medical policies do not provide coverage for or have significant restrictions on the following activities or events:

Scuba diving, sky diving, rock climbing etc.

Pregnancy/Childbirth

War or Terrorism

If you plan to participate in any sports or activities similar to the ones highlighted above you should speak to a travel insurance representative to get more information on any exclusions or conditions. Additional coverage may be available for certain activities.

Finally, some travel insurance savings tips

Don’t accept the first package you’re offered. Travel insurance policies can vary by over 100% for similar coverage. By doing a little legwork, you could save a lot of money.

Don’t feel pressured into buying a policy from your travel agent. Although you may save a little time by buying your policy through your travel agent, it is unlikely you’ll get your policy at the best price.

If you are a frequent traveller consider purchasing an annual policy. If you plan to take more than one trip this year, buying an annual policy instead of a single trip policy could save you both time and money.

Before you leave, get emergency medical travel insurance quotes from competing insurers online and get the coverage you need. Compare emergency medical travel insurance today!

Get your Tourist Or Business Visa at Vietnam Counsel Visa

VISA is a document issued by a country for a specific purpose such as a tourist or business to be and get permission to enter the country within a specific time and a specific purpose. VISA is one of the requirements besides the passport to be able to enter a country, most states ask the citizens of other countries who entered into the country to provide VISA.

Some examples of countries that require a VISA documents to get into the country is Vietnam, Australia, China, England, India, Japan, Schengen, South Korea, Russia and other countries. VISA can be tourist visa for the purpose of a vacation and business visas for certain business matters.

Terms of visa requirements for the countries of the terms above are general terms, the terms of these conditions may exist depending on the time of addition of the visa. Management and can be done alone visa for vietnam embassy to the destination country or through the services of the manufacturer’s visa, the visa should be done alone so we know the drill, to gain knowledge. Click Here to get more information about Vietnam Visa.

Private Jet Charter Kiev great quality private jet

private jet charter kievThe need for a mode of transportation that is quick and convenient, especially for businessmen, to move from one city to another more and more bigger. Seeing this condition, not surprisingly, are now very widespread existence of private jet rental services or private jets for those with deep pockets.

There are three factors that must be considered before making aircraft leasing.  The first is the size of the aircraft and the number of seats, cruising aircraft, and the latter is owned budget. In determining the budget, which needs to be taken into account not only the price of the aircraft, but also the operational and maintenance costs.

To hire a private plane in Kiev, Ukraine you can see through a website that rents private jets. like this site princejets.com , this site give us completed information about Private Jet Charter Kiev, they have great quality private jet. Travelers have access to affordable airfares and well coordinated flights to their destinations.

Get high quality corporate headshots at reasonable prices

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Dog Health Insurance for Your Pet

The word insurance is one of those words that just makes you cringe. Next to putting gas in your car it seems like the biggest expense you have and there is just so much that you need. You need to keep insurance on your car (it would have been really nice if somebody would have told how big a financial drain that was going to be), if you own a home you pay homeowners insurance, if you rent an apartment you have renters insurance, you struggle with the ever soaring cost of health care insurance, and if you are a really responsible family member you have life insurance. And now you find you are hearing that you should consider purchasing a health insurance plan for your pet dog.

You love your dog, he’s more then a pet, he’s a valued member of your family and probably your best friend. But health insurance? You can barely afford to put food on your table how are you supposed to be able to afford to insure your pet. Besides he’s just a mutt, dog health care insurance is for fancy purebred show dogs, not your rescue pet.

The shoestring you’re probably living on is the very reason you might want to consider putting pet health insurance on your pet. The average dog owner takes their pet dog to the veterinarian approximately 2.3 times a year and it will cost you approximately two hundred and eleven dollars per year. My guess is that each time you pay the vet bill your budget is screaming for mercy.

What happens if your dog contracts a disease, or gets hurt? It doesn’t take much to rack up some pretty serious vet bills. What if you have to leave town and can’t take your dog with you? Can you really afford to leave your dog at a boarding kennel? You already know how much you have to pay for your prescriptions, do you really think that a dog prescription is going to be any cheaper.

Your dog is your best friend and a treasured member of your family could you really live with yourself if you had to put him to sleep just because you couldn’t afford his vet bill.

It is possible to get health care insurance for your dog for approximately ten dollars a month. While it might not cover all of your dogs vet care needs it could help. If you shop around and read each plan carefully you should even be able to find a pet healthcare plan that will help pay for your routine vet visits. Some pet insurance plans will even cover some boarding expenses.

Some questions you should ask the pet health insurance company you are considering buying a pet health care policy from is whether or not your vet accepts that particular type of insurance, if there is a cap on treatments, how much is your deductible, and how will they handle any pre-existing conditions your dog might have.

Does Your Student Health Insurance Make The Grade?

A growing number of colleges and universities have instituted a new requirement-student insurance.

However, when they attempt to comply, some students find that the insurance plan offered by their college may be less than adequate or that they are no longer eligible for coverage under their parents’ health plan. Others find that their school is outside the HMO or PPO region or their parents’ plan.

An alternative is purchasing insurance coverage through a plan designed specifically for college students.

When selecting such a plan, it’s wise to compare the cost of a college-sponsored plan against other policies and to find one that’s really designed to fit a student’s lifestyle. You might be surprised to learn that a college-sponsored plan isn’t necessarily the most affordable or comprehensive coverage available. What’s more, the plan should accommodate travel and stay in place should a student transfer to another school. Also, the coverage should be in place year-round, not just during the school year, and be priced to fit a student’s budget.

Experts say one policy that fits these criteria is Student Select from Assurant Health. This permanent, renewable, individual medical insurance plan is designed specifically for college students under the age of 30. Students must be under the age of 30 when they apply but they can keep renewing the plan when they are no longer in college and keep it up to the age of 65.

Since the policy is not an HMO plan, you can visit the doctor or hospital of your choice. No referrals are needed, no non-network penalties are incurred.

The plan can be paid for on an annual or semiannual basis. The company offers two convenient payment methods of credit card or personal check. Both the annual and semiannual payment options are available with the credit card payment method.

If you are not satisfied with the plan, you can return the contract within 10 days of delivery for a refund. If a cancellation request is received after the 10-day period, a prorated refund will be provided as described in the contract.