No matter where your next adventure takes you, be sure to protect your trip with travel insurance. Don’t get lost in all the options out there, review our expert tips below to navigate all your travel insurance questions. When you’re ready to buy, we recommend using an easy service like Travel Insurance Master to find the best travel insurance for your specific trip in just 3 easy steps.

Travel insurance is more important than ever and it may seem complicated to find the right benefits for you but it doesn’t have to be! Gone are the days of having to jump from website to website to compare different companies’ plans, leaving you with more questions than answers. Now you can simply visit TravelInsuranceMaster.com and view clear side-by-side plan comparisons from the world’s leading travel insurance providers all on one website.

In just 3 steps, you can request a quote and quickly find your recommended plan and best value for your trip. You can also compare your recommended plan with other similar plans and even filter those results by the benefits most important to you.

When to Purchase Travel Insurance

The best time to purchase travel insurance is early on in your planning process, usually the same day you put down your initial trip deposit or within a few days so you have the most options to choose from.

Your initial deposit date, or the earliest date a payment was made towards your trip, is very important to note and will be required for travel insurance. It’s also important to note the date of your final payment, although you can request a quote and purchase travel insurance before your trip is paid in full.

For one of the most popular requests, the Cancel for Any Reason (CFAR) benefit, you will usually need to buy your insurance within 1-21 days of your initial trip deposit. CFAR benefits are just that – you are able to cancel your trip for any reason whatsoever usually up to 2 days before departure for a reimbursement up to 75% of prepaid non-refundable expenses. 

Remember CFAR is an additional benefit and does not replace your regular trip cancellation benefit that covers you 100% for covered reasons, most commonly when you, your family member, or travel companion gets sick.

If you’re worried a pre-existing medical condition could flare up and affect your trip, it’s also a good idea to purchase travel insurance early. This will allow you to take advantage of time sensitive benefits like the Pre-existing Medical Conditions Waiver.

Covid-19 Travel Insurance Coverage

With Covid-19, all Travel Insurance Master’s Trip Cancellation plans cover trip cancellation or interruption if you get sick or test positive with COVID-19. It’s important to note that travel insurance treats COVID-19 the same as any other illness, and depending on your trip and needs, many benefits can provide coverage if you are diagnosed with COVID before or during your travels.

The fear of contracting COVID is not a covered reason for cancellation, however that’s when a CFAR plan may be right for you. Trip Interruption may provide reimbursement of non-refundable prepaid trip costs and expenses for your return home if you or your traveling companion are diagnosed with COVID-19 by a physician while on your trip.

Trip Delay provides coverage for additional hotel and meal expenses if you are delayed due to quarantine required by a physician on your trip. Emergency Medical and Evacuation benefits will provide coverage for medical expenses if you were to contract COVID-19 during your travels and evacuation if medically necessary.

Travel insurance can also help you meet the new foreign tourism requirements in many countries. Before purchasing, be sure there is no travel ban during your travel dates and view the requirements.

Use Travel Insurance Master’s helpful filters located on the left-hand side of the plan results page to narrow down plans that meet the requirements. Be sure to review your plan details and certificate for coverages, limits, and what documentation and proof you will need to provide.

Adventure Sports Coverage

Adventures can sometimes include some riskier than normal activities and sports that you will want to be sure are covered with your travel insurance plan. On the left-hand side of the plan results page you will find the customizable filters like Sports – Hazardous and Amateur.

Choose one or both of these options to find the best plan for you and your itinerary. Click on the benefit under each plan for a brief description.

Although some plans may have exclusions for these types of activities, there are plans like the AIG Travel Guard Preferred plan that include an Adventure Sports Bundle, which removes the exclusions for Adventure and Extreme Activities. View the certificate of the plan you are interested in purchasing to check out all the details on what’s covered and what isn’t.

Travel Medical Coverage

The most popular travel insurance types are Comprehensive plans that offer both trip cancellation and travel medical options. There are also Limited or Travel Medical plans that will provide coverage in the event of an illness or injury while traveling.

Most regular health insurance plans provide very little or no coverage while you are traveling outside your home country. Travel medical options fill that gap in coverage. Emergency Medical and Dental benefits provide coverage if you were to become sick or injured on a trip.

You can also find AD&D, and Medical Evacuation coverage for emergency medical, medical repatriation, return of remains, and trip interruption.

Travel Insurance for Road Trips

Travel insurance is not just for trips abroad. It can truly be useful on any trip that takes you 100 miles or more from home. Any type of travel can be affected by delays, cancellations, hurricane and weather, and more.

Travel insurance can provide cost saving rental car coverage, and may reimburse your non-refundable prepaid trip expenses like RV rental or campground reservations if you have to cancel or shorten your road trip due to a covered reason.

But my Credit Card Offers Travel Insurance?

Although your credit card may offer travel insurance, in general they do not offer much protection. They have very minimal benefits and protection for small inconveniences like delays or lost luggage.

Trip Cancellation, one of the most popular plan types, is not usually offered by credit cards and emergency medical is also not usually covered.

How to Get Travel Insurance Quickly and Easily

Remember travel insurance is the easiest way to protect your travel investment for very little, and gives you invaluable protection, flexibility, and the ultimate peace of mind. Travel Insurance Master will find the best travel insurance plan for you in just 3 steps so you can get back to the fun part, planning and ultimately enjoying your next adventure! Be sure to check your specific plan details for full description of coverages.

As the New Year begins, you will probably want to clean up your financial portfolio. Amid the pandemic when the money runs tight, it makes sense to embrace smart money habits, from cutting expenses to picking side hustles and building emergency funds.

At the same time, you may have to give up on some financial investments to improve your finances. Giving up your timeshare should be your top priority in 2022.

Let us explain why you must do it sooner rather than later.

Timeshares are A High-Maintenance Asset

Timeshares are expensive upfront, but the idea of owning a share in a luxury resort is alluring. You can fall into the trap because of slick salesmanship as well.

The worst part of owning it is that it is a high-maintenance asset that burdens you year after year. You have to bear the annual maintenance costs even if you do not use the property for a year.

The annual costs may increase unprecedentedly, making them even more painful. The last thing you will want to carry in your financial portfolio right now is a property that burdens you with ownership costs. Eliminating it should be on top of your wishlist this year.

Selling can be a Real Challenge

The sooner you get rid of your timeshare property, the better. Although owning sounds like a dream, you will realize your mistake down the line. The bigger challenge is that you may not find a seller willing to pick the property readily.

The best way to deal with the situation is by collaborating with one of the reputable timeshare exit companies in your area. You can invest some effort in researching your options and get professional help to exit the contract at the earliest.

The effort is worthwhile as you get to reset your finances right away. Moreover, you need not worry about saddling your children with unwanted inheritance in the long run.

Travel in the New Normal is Different

Another good reason to get rid of your timeshare in 2022 is that you will probably not use it in the foreseeable future. Travel is different in the new normal as you cannot expect to plan for the long haul.

The virus makes things unpredictable, making it hard to stick with specific destinations. You may not get to fly to your timeshare destination due to restrictions. It may get difficult to travel at a specific time of the year.

Eventually, you may not want to visit the same holiday destination year after year. Timeshare ownership limits your options, making it a wrong choice for the present situation.

The best money resolution you can make this New Year is to give up your timeshare property at the earliest opportunity. The decision can help you save a lot of money today and get rid of a burdensome asset forever.

Moreover, it will make life easier for your heirs as no one wants to be tied to a property that costs money to maintain year after year.

Being physically active with your partner is a great way to strengthen your relationship and share each other’s interests. Whether you’re already an avid backpacker or you’ve never tried it before, going backpacking as a couple can help you to feel closer than ever.

Let’s face it, everyone is busy. Combine that with these uncertain times we’re living in, and stress is running rampant. According to the American Institute of Stress, 33% of people claim to have extreme stress.

Being in a strong relationship can help with that, and spending time staying active outdoors is a great way to boost your mental health, get more energy, and fall even more in love with your partner.

But, to get closer in your relationship, it’s going to take more than packing a few granola bars and hitting the trail. Let’s cover a few ways you can actively use backpacking as a couple to get closer and enjoy the personal benefits along the way.

A Romantic Getaway for Two

In a world of social media, smartphones, and constantly being bombarded by news, it can be beneficial to “get away” for a while. Backpacking is a great way to unplug and go off the grid, even for a day.

You can also choose to make a trip out of it by using it as an excuse to celebrate a special event, like an anniversary. Camping or backpacking as a couple are wonderful ways to reconnect with your partner away from the rest of the world.

While expensive dinners have their place, there is no better way to strengthen your bond than to go hiking during the day and share a tent at night. If you’re backpacking on a budget, keep the following tips in mind:

  • Borrow your camping gear
  • Bring your own firewood
  • Cook in bulk
  • Bring bedding from home

What sounds more romantic than talking and drinking a glass of wine around a campfire or huddling together for warmth while sharing a sleeping bag? You’ll definitely get closer to your partner – literally and figuratively!

A Staycation to Remember

The COVID-19 pandemic has changed people’s travel plans for nearly two years. While things are starting to open up and return to normal, not everyone feels comfortable flying or going to new locations just yet.

The good news?

You can save money, stay safe, and might even have a better time by planning a staycation with your partner. By staying around your own community, you can enjoy things like:

  • A spa day
  • A movie night
  • City tours
  • Checking out local farmers markets
  • Going to museums

Spending time outdoors is another great way to appreciate your town or city. By going on a camping trip at a local park or in the woods, you can enjoy a long hike together during the day, cook a meal together in the evening, and do some romantic stargazing away from the lights of the city before you go to bed.

A staycation can be just as magical and memorable as hopping on a plane and heading somewhere new. So, get creative with the things you can do, and if you love being active and spending time outdoors, make sure to include plenty of backpacking activities in your plans.

Lean on Each Other

Even if you’re an active couple, you might be new to the world of backpacking or hiking. That makes it the perfect opportunity to get closer.

When you go backpacking as a couple, you’ll have to rely on things like strong communication, divvying up responsibilities, and leaning on each other for support.

In some ways, it can be a challenge. You might reach your physical limits. You might even argue over which way to go on the trail. But, there is no better time to openly communicate and work through things.

By the end of it, you might even surprise yourself with how much better you feel and how much stronger your relationship is after backpacking as a couple.

When it’s just the two of you, and you’re not distracted by work, a social life, or even digital devices, you’ll have the opportunity to build on your connection and really get to learn more about each other, no matter how long you’ve been together.

Maybe you’ll have conversations you’ve been holding back for a long time. Maybe you’ll find out something that you didn’t know about your partner before. Being out in nature can help to clear your head while reducing stress, so both of you might be willing to be more vulnerable.

If you’ve never gone camping or backpacking as a couple, don’t wait. Take your passion for staying active and being outdoors, and use it to strengthen your relationship. Keep these tips in mind to get closer, have fun, and make memories that will last a lifetime.

Though we’re willing to bet once you experience the benefits of backpacking as a couple, you’ll want to do it again and again!

If you are thinking of moving to the US, then you need to make sure that you are properly prepared. There are many steps that you will need to take to ensure that you are legally covered and to give yourself the best shot at success.

Whether you are arriving for new employment or looking to start your own business, here is what you need to know.

Start Preparing Now

Find out as much as you can before you move. Remember that COVID-19 restrictions may still be slowing administration down and affecting travel. Contact your employer for advice on how you can speed up the process.

Read city guides for the area you are moving to. Prepare for a background check and a criminal record check.

Find your academic certificates, your bank statements, your driver’s license and any marriage or birth certificates.

Get Insurance

Look for a health insurance policy before you move. Provide as much information as you can to avoid losing out on any payments. Remember that healthcare is not paid for by the state in the US as it is in other countries.

Find The Right Visa

Talk to an immigration lawyer about which visa is right for you. Talk to your employer if they are sponsoring your visa. Prepare all your documents and references as early as possible to avoid delays. Ask your immigration lawyer about which visa you need if you are starting a new business.

Consider that you may need to apply for visas for employees for your business. Find out if the requirements have changed in recent years. Look at H2A visa regulations to learn what is needed for an agricultural business looking for seasonal immigrant workers.

Apply for a visa even if you are moving with an American citizen. Remember that your partner will need to apply for a visa if they are moving with you and are not a US citizen.

Know Your Laws

Research the laws and legislation of the state you are moving to. Be aware that some laws are different from state to state. Find out what tax you need to be paying as an immigrant and remember that you may be paying taxes in your home nation too.

Factor in sales tax on any purchases and remember that it changes depending on the state. Learn the US-specific laws including the drinking age and driving restrictions.

Learn about liability in case of an accident at work or on the road. Tip your service industry employees wherever you go (this is not a law, but it is expected).

Being on an airplane is not fun for most people as you’re usually dealing with staying seated for many hours, being in proximity with a lot of other travelers, and probably being quite bored. Frequent travelers however have a personalized list of things they do to make even long haul flights bearable and productive. Here are a few easy air travel tips to follow to ensure your next flight is as enjoyable and as comfortable as it can possibly be.

1. Get Airline Status

Many people may fly fairly frequently but will never have applied for airline status. Airline status is calculated by the number of miles you have flown with any airline and on that basis, you can qualify for certain benefits like extra storage weight, a special shorter line for boarding and the occasional upgrade to first class.

Depending on the airline, you could enjoy a happier flight with perks like discounts or window seats.

2. Set Yourself Up For Comfort

The hours leading up to the flight are crucial preparation. One of the most basic air travel tips to set yourself up for a happier flight, is to make sure you plan ahead.

Have your packing done in a timely fashion, so you aren’t running around stressed trying to get everything done, and having your paperwork in order helps you depart from home in a relaxed mindset.

For flying purposes, leave the fashion to one side and wear really comfortable clothing. Tracksuits, sweatshirts, and even pajama bottoms may not be the most visually appealing clothes, but they are going to be a lifesaver on a long, cramped flight.

3. Don’t Be Afraid To Ask For What You Need

If you are concerned about your seat being uncomfortable or if you get thirsty more than the average person, you need to voice your needs and not be afraid to ask for a reassigned seat, and extra water or snacks.

Ideally, you should try to pack homemade food and healthy snacks like granola bars or trail mix. Ask the airline can you fly with edibles beforehand, as they could have restrictions you don’t know about.

4. Keep The Entertainment Ready

One of the most basic air travel tips to follow for all your flights (especially if you make a habit of booking your seat early to get a better one) is to have all your electronics with you fully charged.

If you have a streaming service subscription like Netflix, download a few movies or series that you can watch on the flight. The same goes for books and games on your tablet or Kindle.

Many people prefer reading electronically since books take up too much space, but they could be a good idea if you get headaches from excessive screen usage. Blue light glasses are important for a happier flight if you’re planning to use your laptop or tablet for a long time.

5. Get Some Sleep

Contrary to popular opinion, a flight is the best place to catch up on your sleep. One of the best air travel tips is to get some earplugs, a nice eye mask, and simply doze off. The hours will slip by, and you’ll wake up refreshed when you reach your destination.