Is Your Credit Card Travel Insurance Coverage Enough?

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Is Your Credit Card Travel Insurance Coverage Enough?
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Still relying on credit card travel insurance? Not sure if it really fits the bill? Read on to determine if your coverage is enough…

1. Coverage clauses

• Do you have to pay for the whole trip with your credit card to be covered? Is
there a minimum amount?
• What’s the maximum number of days covered for one trip?
• What’s the maximum amount you’re covered for?
• Are you covered for high-risk activities, like scuba diving?
• Are you covered for other professional services like physio, chiro, etc. to relieve
an acute emergency?

2. Family coverage

• Is coverage only for you, the cardholder?
• Will your travel companions get the same coverage as you, or do they need to
buy additional insurance?
• Would coverage be available to return your travelling companion,
children/grandchildren or accompanying pet home, in a medical emergency?

3. Pre-existing medical conditions

• Does your age affect coverage?
• Are you covered for pre-existing medical conditions?

4. Trip cancellations or interruptions

• Does the plan offer trip cancellation or trip interruption insurance?
• Do you have to pay for the whole trip with your credit card to be covered? Is
there a minimum amount?
• What’s the maximum amount you’re covered for?

5. Emergency and claim assistance

• Are you covered for ambulance or emergency air transportation?
• Will you be penalized if you don’t call the claims company after the emergency or
before visiting the hospital?

So remember, while you may have travel coverage through your credit card, it might not cover you completely in a medical emergency situation. Make sure to contact your credit card provider to know what your policy really covers. If it’s not enough, check out how TuGo can help meet your travel insurance needs.

Is Your Credit Card Travel Insurance Coverage Enough?
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Thinking Of Renting A Car In Europe? Here’s What You Need To Know

Renting A Car In Europe

Renting a car in Europe lets you explore and discover different countries and cultures. Renting a car gives you freedom to travel on your own schedule and time. You can get off the beaten path and get to smaller towns and sights with relative ease. There are potential challenges like “driving on the wrong side of the road” in the UK, different rules of the road and some country specific laws. But it’s all well worth it for the memories and potential trip of a lifetime. Here’s the short list of things to consider when you’re renting a car and driving in Europe.

Renting A Car In Europe? Book In Advance

Ca rental rates vary widely by destination and season. Generally speaking, rates are higher for any rental car company or location if you wait to book. (Especially if you walk up to a rental counter with no reservation). You will save money by paying for your car rental ahead of time. Auto Europe is one of the best options for car rentals in Europe. They’ve been in business over 60 years with more than 20,000 locations in 180 countries. They work with well known car rental companies and provide unbeatable rates on car rentals. You can book your car rental as soon as you book your trip with the option to modify or cancel your booking if your plans change.

Beyond the large highways in Europe, most roads are tight and winding. And parking is tight and tricky with limited street parking and small parking lots. A smaller car, typical in Europe, is the best way to get around and easier to drive. Many cars in Europe are equipped with a manual transmission. If you don’t drive a standard/manual transmission, you’ll need to book early to make sure that you get a car equipped with an automatic transmission.

Renting A Car In Europe

Renting A Car In Europe? You’ll Need Insurance Coverage

With Auto Europe, if you select a basic rental rate your price will include value added tax (VAT), public liability insurance, fire insurance and unlimited miles. If the inclusive rate is selected, it will include everything in the basic rate plus collision damage waiver (CDW) and theft protection for the rental vehicle. I definitely recommend the inclusive rate specifically to have full CDW and theft protection on your rental car. If you rely on credit card coverage or your own car insurance, you may not have enough coverage and/or you may have to pay in full for a claim and then seek reimbursement.

Renting A Car In Europe? You Might Need an International Driver’s Permit

Many European countries—like the United Kingdom and Ireland—recognize North American driver’s licenses. However, other countries—like Italy, Germany, and Spain—require that you possess and carry an International Driving Permit (IDP). The IDP is proof that you possess a valid driver’s license. It also translates your driving qualifications into ten of the world’s most commonly used languages, and allows travellers to drive in over 150 different countries.

You can get an International Driver’s Permit at AAA (U.S.) and CAA (Canada) for a nominal fee, and you only need proof of your driver’s license to apply.

Renting A Car In Europe? Be Prepared For the Unexpected

The unexpected can of course happen anywhere and at anytime. Be aware of what’s covered by the rental car agency if you have an accident or your car breaks down. Most offer some form of roadside assistance in the event of a break down. Traffic tickets and toll fees will naturally be billed to you if you don’t pay locally.

If your rental car is involved in an accident, it is imperative that you contact local authorities immediately. A valid police report is always required, regardless of how minor the accident is. The second number you should contact is the one listed on your car rental key chain. For further protection, take pictures of all the damage done to your rental car and any other parties involved.

Having your cell phone activated for use in Europe is a must for driving directions, destination information and in the case of emergency. A SIM card saves on roaming and data charges while keeping you connected. TravelSIM is my choice because its prepaid (providing cost control), works in over 170 countries and incoming calls and messages are free. Between driving and blog support, I need coverage while in Europe.

Renting A Car In Europe?

Renting A Car In Europe? Find Out the Rules of the Road

The autobahn actually exists in Austria and Germany where the drivers follow a strict code. The left lane is for passing only (most cars will be travelling at more than 160 km/per hour). The middle lane is for the average driver – 120-160 km/per hour. Anything slower is on the right lane.

In the UK, you drive on the left side of the road , and you pass on the right side. There are also numerous roundabouts where you need to know which exit you are taking ahead of time.

Turning right on a red light is not permitted anywhere in Europe, unless there’s a sign that indicates otherwise.

Renting A Car In Europe? Other Things To Know

  1. It’s not a bad idea to buy a traditional paper map as backup. Maps are readily available at gas stations and highway stops. Google Maps or offline maps work but you may not have service or data in remote areas.
  2. Most tolls can be paid by coins, cash or credit card. Some countries like Austria and Switzerland require the purchase of vignettes (driving stickers) that need to be displayed in your front window. They are readily available at gas stations and road side stores.
  3. Getting gas in Europe typically requires that you pay in advance before pumping.
  4. Parking in Europe varies greatly by town and city. Parking can be free, pay via parking meter or require a parking permit. Pay attention when you park or you will invariably get a ticket.
  5. You’ll get comfortable driving in no time. Enjoy the trip, lookout for great places to stop and enjoy the views!

Auto Europe Car Rental

What Every Traveler Should Know Before They Get On the Plane

So you’ve made up your mind, you know where you want to go, you know what you want to do once you get there and you’re ready for an amazing experience. Hold on, pump the brakes and check to see if you’ve done everything you need to. Have you learned something about the culture? Have you learned some basic phrases which could come in handy for when you’re in an emergency? Have you got the right amount of money you will need? Do you know who to call or contact when you’re in need of some assistance? Have you planned any alternatives to things you plan on doing just in case they don’t work out? Just when you think you’ve thought of everything, you find out that actually you haven’t left no stone unturned. This is what every traveller should be doing before they even step one foot on the plane.

Notes at the ready

Even before you have boarded your flight, you should have the money you’re going to use in your suitcase. It’s not good to land and not have any kind of money to use for getting a ride to the hotel, paying for dinner, paying the hotel and for many other things. You need to look for a trusted Currency Exchange service and get the best value you can for your money into the currency you’ll be using abroad. Sometimes currencies are linked together such as the US dollar and the Canadian dollar. The CAD will almost always be worth less than USD because it’s pegged to that fiat. However if you’re exchanging a more valuable currency such as GBP or even the EUR, then you could stand to get back three times more.

An extra set

Planning for the rare occasion might seem trivial but it really does depend on where you’re going. For example if you’re heading into a tropical climate, you should pack an extra set of clothes. During monsoon season especially, sudden and incredibly strong downpours can come out of nowhere. In a hot climate, wet clothes can not only begin to stink, but they can begin to smell as well. It’s cautious and prudent to pack an extra pair of clothes that you can wear in the event that all of your other clothes are either dirty or drenched. This clothing doesn’t have to be heavy, it can just be a light t-shirt and some shorts so they won’t take up much room in your suitcase.

The translating apps

Pick from a range of translating apps and see which one for the language you need is the best. These apps are downloaded onto your smartphone and they come in great for when you need to communicate with someone who doesn’t speak English. Simply speak into your phone’s speaker and the app will then translate your speech into the words you’re looking for.

Before you go abroad you can do these simple things to make your experience much better. The most important is getting a good deal for your currency exchange as without the national coin, you can’t pay for anything.