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05.10.2015
You’ll have to do your currency exchanging at a bank at your destination and not before. By Maria Traveling on your holiday by train (or any other means of transportation) can be a very long process depending on the distance you need to travel.
Booking a rail ticket for your holiday is far less strenuous when compared to other forms of travel like flying for example. If you are visiting an area for the first time, it is a great idea to know where to visit and what to see.
If the railway line that you chose allows food or has a food car, then a great way to spend the time is to take in your next meal. Those which are traveling with a family may find that it is sometimes difficult to get everyone settled down. By Maria With its warm summers and mild winters, many travelers are making their way to visit beautiful Vietnam. Vietnam has many tourist attractions perfect for those who love leisure, agriculture, shopping, and a bit of sight seeing.
Before you book your trip to Vietnam, make sure you have the most updated information for your Vietnam visa.
In this particular area of Vietnam, the weather is mild and sunny making it the perfect location for an eventful lunch or a romantic night on the beach. If you are a fan of agriculture and submersing yourself into the lifestyle of locals, then the Mekong Delta is waiting for you.
The Delta is in the southern region of Vietnam where the Mekong River connects with, and empties out into the surrounding sea. The Mekong Delta is also located amongst fields of rice that contribute to roughly half of Vietnam’s agricultural output. Located in northwest Vietnam, you will find the local mountain people the Hmong, Giay, Dao, Tay, and Giay who grow rice and other crops in the city of Sa Pa.
The Terraces are where you will find traditional rice fields very close to the Chinese border. Corn and other vegetables are locally grown in the paddy terraces of the valley and all the while the landscape is bordered by thick bamboo forests.
Hoi An once was a bustling fishing town, now it has turned into a popular tourist attraction which sits on the coast of the South China Sea. For anyone interested in history, Hoi An’s past is riddled with adventure because it began as an international port in the 16th century.
In the city centre, you will find the Old Town, composed of winding pathways and Chinese-styled shops. Hoan Kiem Lake located in the city of Hanoi, is one of the most popular tourist attractions in the city as well as a favorite hangout spot for locals. Hoan Kiem translated means “returned sword”, which is based on a legend in which King Le Loi received an enchanted sword by the gods, which allowed him to drive out the attacking Chinese.
Any frequent traveller will tell you how important it is to ensure you are fully prepared for an upcoming trip, especially making sure you have taken out suitable travel insurance. While travelling we all hope we will remain fit, healthy and able to enjoy the trip to its fullest. Now this may seem a little serious, but if you’re involved in an accident and you cause damage to property or injure another person, you could be held liable.
Even if you don’t end up having to use any part of your travel insurance policy while you’re away, knowing that you have it ‘just in case’ you need it is good enough. She's taken up such a love of dance this year, I know it'll be something she'll continue to pursue.
Always a massive fan of linking to bloggers that I like but really don't get a lot of link adore from. It’s Murphy’s Law – when you don’t buy travel insurance you’re guaranteed to have an accident or have something stolen while you’re on holiday. When it comes to insurance, there are things to look out for, even if you consider yourself policy savvy.
The way you act on holiday can also be used against you when it comes to travel insurance payouts. Likewise, alcohol is also a common factor in claims and many insurance companies simply won’t fork out especially if your injury or issue is due to having one too many drinks.
But if you want more than basic cover be wary of online options that sound too good to be true.
The best way to avoid disappointment is to read your policy – carefully, and ask questions if anything is unclear.
Insurance companies will only payout if they absolutely have to so you’re best to disclose any pre-existing conditions, even if you or a family member is taking medication for it.
The bottom line is every policy is different and taking the time to read the fine print might also reveal there are quite a few things you’ll be insured for that you weren’t aware of.
Many travel insurance policies are effectively useless because they impose caps on pay-outs for the theft of valuables, experts warned yesterday.Holidaymakers often travel with expensive items, such as iPhones, cameras, watches and jewellery that could easily cost more than A?1,000 to replace.However, researchers at Which?
All the companies had a single item limit for valuables on their standard policies of A?300 or less, with four companies a€“ Axa, Columbus Direct, Insure & Go and Virgin Money a€“ capping the payment at A?200.
The companies defended their limits by saying that consumers could arrange for greater cover by contacting the companies providing their home insurance.Which? The views expressed in the contents above are those of our users and do not necessarily reflect the views of MailOnline. With the summer holiday season in full swing, no-one wants to dampen high spirits by thinking about something going wrong. But, even if you try to cover all eventualities, a claim could still be rejected with common reasons including not actually being covered for the item you are claiming for, taking part in activities that aren’t included in the policy and insufficient evidence for your claim such as missing receipts.
So, to help keep things simple and to take the pain out of travel insurance claims, follow our checklist.


It can be tempting to buy the cheapest policy you can find without any real reference to either the depth or breadth of cover on offer. Policies covering the above won’t be the cheapest – but they will give you a good level of cover as a starting point and could pay dividends should you have to make a claim. It may look daunting and even a little boring – but 15 minutes reading through the policy will help you understand how it works and prepare you should anything go wrong while you are away. Pay particular attention if you are planning any unusual sporting activities or travelling to an off-the-beaten-track destination. If you find that your policy is unsuitable for your needs while you are checking through the fine print, you can ask for a refund within 14 days of purchase, as long as you have not yet started your trip. I store my policy number and contact details for my insurer in my mobile phone, wallet and within my luggage so I have them to hand as and when I need them. This can make a massive difference for things such as medical claims, especially in countries where there aren’t reciprocal health schemes, such as the USA. If something goes wrong you can, of course, refer to your policy – either from a print-out or online. The insurer’s helpline is also useful for verifying the steps you need to take to make a successful claim and to double check that you are actually covered for any incidents that have happened. All travel insurance claims must be made within the specified timeframe detailed in your policy. Keep in regular contact with your insurer if you are facing delays in making your claim for any reason.
All insurance claims will need supporting evidence, including police reports for lost or stolen luggage, travel invoices for cancellations and written confirmation about a travel delay from your holiday company. The small print of your policy will detail what is required so you can gather the relevant evidence while you are away if required.  If in doubt, call the helpline and ask for advice. It also pays to take photos and videos, as appropriate, for your claim to support your account of what happened. Send all of your supporting evidence, along with your claims form, to your insurer and keep copies for your records of these along with all communication you make. Once you have made your claim, if you find you are in dispute with your travel insurance company you can use the Financial Ombudsman service where around 50% of all cases are found in a customer’s favour. Let us know your tips and advice when making a claim or tell us about any issues you have had with claims by leaving a comment below. While on holiday in the USA my wife sustained an injury that required a hospital stay for 10 nights following surgery. Your story just show how important it is to work with your travel insurer to maximise the benefit of your well chosen policy and that when things are in order you can make a successful claim with the minimum of hassle.
The lesson for everyone here is if you have any relatives or the policy to check they will still cover you should you need to cancel. You get around quickly, but sometimes the network isn’t as broad and widespread as we would like. Morocco has its own rules and it’s very important that you follow them as much as you can. Where you can look out the window and enjoy some scenery while traveling on a train, if the trip is lengthy, you may need to find alternative ways to make the most of your holiday train travel. Generally, all you will need to know is when you plan to depart, from where and where you are going. If you feel comfortable in doing so, start a conversation with your neighbour or someone close to you. This will relieve you of the time that you will have to spend finding a restaurant as well as the cost of eating at an establishment. One way in which to help maintain order and enjoy your train traveling is to download a movie on your tablet or notebook and then allow for the family to watch it while you are traveling. It is Vietnam’s most visited seaside resort town just along the most beautiful bays in the country. Many compare the lush river waterways of the Mekong Delta to the waterways of Venice, Italy.
Understandably, the culture on the Mekong Delta is very focused on the river and the locals often travel by small boat rather than roads. Most of the rice fields are found between Sa Pa town and the Fansipan Mountain in a little area called the Muong Hoa valley.
This location is perfect for a quiet anthropological day of exploration in northwest Vietnam. Whether you’re travelling alone or with the family in tow, it’s better to be safe than sorry. You’ve arranged your flights, the luxury hotel, your car rental and even have a plan of how you want to spend each day. Unfortunately though, all it takes is a broken toe or a bad case of an upset stomach to bring your time away to a halt.
While you might consider yourself to be super organised, no one can predict the unfortunate event of lost or stolen baggage.
Seeking professional or legal help can be extremely costly, so it is important to find an insurance policy that will cover this.
Spend your time away from home feeling relaxed in the knowledge that you’ve purchased a trustworthy travel insurance policy should anything go wrong. Every insurance company is different, so don’t assume that you’re covered for anything and everything, especially if you’re over the age of 65 and plan on bungee jumping. For instance, if you leave your suitcase in a car that’s a high-risk area for theft and it gets stolen, then the insurance company will probably not to reimburse you for your belongings. Another tip is double check your travel insurance is booked for the correct dates if you’re shifting time zones.
Like when you only want a basic policy that covers medical treatment, personal liability and cancellation costs and aren’t concerned about airport delays or lost luggage. Advertising a cheap policy is often just bait to get you to click through to a website where you will be hit with a lot of added extras and upgrade options.


A lot of claims are declined because people haven’t declared pre-existing conditions because either they are unsure if it’s covered or because they don’t want to pay extra for the premium. That’s why we buy travel insurance: to protect us and give us a sense of security in our holiday plans.
But the problem with this approach is that, should the worst happen, you may find you don’t have the cover you expected and therefore can’t make a claim for items from cancellation to curtailment, personal baggage, travel delay, and even the cost of replacing lost passports. This will detail the responsibilities you have a as a traveller to ensure you do not void your travel insurance or any claim you want to make. This cooling off period gives you the chance to find a replacement that will better meet your needs. If this is the case, save them to an online email account so you can reference them if you need to.
But, if you are in any doubt, be sure to ring the helpline provided – this is essential with medical claims so that the insurer can make sure you get the best treatment and assistance. Most companies state you must register a claim within 28 to 31 days of returning home, otherwise a claim cannot be considered. Plus, if there were any witnesses, you can also take a note of their details to supply to your insurer.
It is a country that is filled with old markets, deserts, and a melting pot of peoples that have a deeply shared history. We also like Marrakesh, where you get to see a little bit of the old history with plenty of modern flair. Most train services provide several trains to any particular location multiple times during the day, so even if you do happen to miss your train, you can exchange your ticket for the next one with little frustration. Most trains have access to the internet and so if you find a venue that is interesting you can book your event from the train.
Keep in mind that conversations between those of the opposite sex may cause the other person a little bit of discomfort, so be courteous. This leaves you open to enjoy the day more as you will not be led by your stomach on your holiday. Keep in mind that you will need to have the sound at a level that does not interfere with the other passengers and that some trains will require that all people have listening devices (which will mean that more than one tablet or notebook will have to be used). If you are a fan of adventure and exploration, then Nha Trang is the perfect location as it is the scuba diving center of Vietnam. If you wanted to visit the local villages along the Delta, most of them are accessible via the waterway.
Skipping taking out a policy can turn your dream break into a nightmare in an instant, so here are five reasons not to forgo travel insurance. If you find yourself seeking out medical treatment while abroad, the bills can quickly add up. When travelling with children, you just can’t afford to go without clothes and toiletries, especially if you’re in an exciting yet unfamiliar foreign land. You just never know what’s round the corner and how much you’re going to have to fork out for medical bills, replacing stolen equipment or flight delays.
If you have another option, even if it means dragging your suitcase to a public locker and paying for storage, then do this. Insurers should raise the outdated limits for everyday items like smartphones and laptops or, at the very least, clearly offer the option of cover at a higher premium. You then have a second period of time (which does vary) to get a written claim in to your insurer. Unfortunately my girlfriends sister passed away with cancer on the 25th of May and we had to cancel the holiday.
Granted, you do want to ensure that you do a bit of planning before your holiday travel, but for last minute ideas or if you want to check on the status of an existing booking or event, you can do so while traveling. The best conversations will be with people from the area in which you are to visit as they will be able to provide you with a bit of “local” information about how to best spend your holiday. However, if you want to have the time go by quickly then watching a movie may help to do so.
Whether it’s you or a family member being brought down by illness, the thought of having to cancel your long awaited getaway can not only be upsetting but also extremely stressful. Making sure you are fully equipped with travel insurance while you’re away will guarantee that you won’t have to cover extensive medical bills yourself. Some travel insurance companies will provide you with cover that will give you the opportunity to replace your missing items either while you’re still on your travels, or when you eventually return home. But all policies aren’t created equal, here are some common pitfalls when purchasing travel insurance. This figure generally runs from A?200 to A?300, which would not be enough to replace a new iPhone or Samsung Galaxy S4, let alone an iPad. You can also catch taxis throughout the country, but you have to know the difference between grand taxi and petit taxi. You will find that most policies will cover you for any expenses that may mount up as a result of a visit to a doctor or hospital during your time away.
Most companies will even cover the cost of lost or stolen electrical items such as mobile phones and music devices.
But there was a clause in the policy small print which says that you cannot claim if a close relative causes a cancellation.
The petit taxi will not be able to leave the city, while the grand taxi can move between cities.
According to insurance broker Chill, however, you won’t be covered for cancelling your holiday due to business obligations or a change of mind so, as with all insurance policies, it’s important to read the small print.



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