What You Need To Know About Travel Insurance

Do you really need to buy travel insurance? Get the facts and find out.
Do you really need to buy travel insurance? Get the facts and find out.

Chances are great that you've been faced with the issue of whether or not to buy travel insurance before. If you're like most people you probably didn't buy it, and that may have been a wise choice. However, it's important to understand what you need to know about travel insurance if you want to make a smart decision about whether or not to use it.

The Basics

There are four kinds of travel insurance generally, along with several add-ons and variations. The big four are: Trip Cancellation, Lost Personal Effects and Baggage, Emergency Medical, and Accidental Death. Variations and add-ons include 24 Hour Traveler Assistance, Dental, Emergency Evacuation, Rental Car Collision/Damage, and Travel Delay. How much travel insurance costs depends on your age, what kind of coverage you're getting, and the total cost of the trip. According to the Insurance Information Institute, typical policies run about 5 to 7 percent of the cost of the trip. The majority of policies are sold by travel industry professionals who also earn commissions on sales.Read more


Great Ways to Stay Cool With Your Kids

Make this summer the best one yet for you and your kids
Make this summer the best one yet for you and your kids

Already planning on ways to beat the heat this summer? There are so many awesome things you can do with your kids to stay busy and keep cool. Check out these fun ideas:

Join the Club

Check for kids' clubs at your local library, community center, or college. You'll be surprised at how many opportunities are out there, especially in urban and suburban areas. Why not stay cool with your kids while getting into fun new hobbies?

Get Away

If the summer equivalent of “cabin fever” has you down, improve your outlook and your kids' dispositions by taking a quick weekend trip. You don't have to break the bank or take time off of work to have a really special weekend together. Head out to camp for a night or two or take in the local culture in another town, exploring just for fun as you stay cool with your kids.Read more