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We have all seen and read media reports and statistics about the perils of not taking out travel insurance. There is certainly plenty of information on the internet for travellers regarding the importance of insurance. Despite this, however, recent research by the Association of British Travel Agents (ABTA) indicates that one in five British travellers still neglect to take out travel insurance for their trips and holidays.

The British Foreign Office and their ‘Know Before You Go’ service provides excellent and free travel advice and country information to assist travellers before they set off. They also warn of the potentially dire financial consequences for those who risk setting off without travel insurance.

It appears that despite all the warnings many holidaymakers are still either unaware of the risk they are taking, or prepared to take a chance. This is a case of false economy as the cost of travel insurance is very cheap compared to the bills that could mount up over problems that arise while travelling overseas.

The ABTA research has shown that younger travellers, mainly the 15-24 age group, are the most uninformed as they believe that if anything bad happens to them while abroad the government will pick up the cost and take care of it for them. This could not be further from the truth. Many young travellers go abroad with friends, or on adventure holidays, or for Hen or Stag parties so are at particular risk. However, it is important to remember that if intoxication or rowdy behaviour result in injury, fines, or arrest your consulate or embassy cannot pay the bills for you or secure your release.

The sad reality for the families or parents of young travellers who get into trouble abroad is that they are going to receive a desperate telephone call for help and will have no option but to come up with the needed funds. The British Embassy or Consulate will go as far as making calls and contacting friends and relatives for them and advise on the transfer of funds, but that is about the extent of their assistance. The government does not cover payments for hospital treatment, nor does it pay to fly anyone home (repatriate them) or provide funds if they run out of money, get arrested, or have all their money and possessions stolen.

It’s summer time. You can’t wait to make use of your leaves from the office. You started planning for your vacation. You want to make sure that it will be a great one and that you don’t to miss any single detail. Then, a friend suggested that you get a travel insurance.

You then wondered, what’s with a travel insurance? You went online and started doing a research. You realized that getting a travel insurance is one of the top priorities when going on a vacation. But how will you be able to choose the best one? The answer: travel insurance comparison.

In getting a travel insurance, it is important for you to have some choices to be able to do the comparison. Ask some of your friends or try to find some in the internet. Then start comparing. Here’s how…

1. Check the reliability of the insurance provider. Make sure that the company is licensed. This will help you avoid fraudulent illegal companies that won’t pay your claim.

1. Determine the costs and time frame coverage. Of course you are after an affordable policy so it is just proper to know the price you’ll be paying for. But, you should also find out if the insurance protects all your travels for the entire year or for a single trip only. From there you could decide which one suits you and your budget.

1. Look up all the emergency situations covered by the policy. Some insurance policies only cover the basic requirements but not all possible emergency situations. It is best for you to get a policy that offer maximum benefits in situations like car collision, lost luggage/passport, flight delay or cancellation, and even worse ones like terrorist attack or swine flu epidemic.

1. Lastly, be aware of the policy exclusions. As mentioned above, the policy that offers more benefits is better thus the policy that has less exclusions is just as great.

The increased use of computers and e-commerce are changing business operations. This is mainly true within the travel industry. The travel industry encompasses several different businesses. These include travel agencies and franchises, online travel agent franchises and cruise franchises.

In the cruise travel market, cruise lines are launching expansion ventures to new places. This makes it very difficult to operate numerous centers simultaneously. Cruise travel business opportunities are comprised of a variety of concepts that prove to be feasible and profitable business opportunities for many. Advertisements are placed in newspapers, the yellow pages and on the Internet. They include vending offerings, home-based opportunities, cruise franchises and other travel business services.

It is very profitable to be a cruise travel agent. People can earn money by working from home or from their present place of business. Many home-based travel agents offer the same perks and benefits as store- front travel agencies. There are a number of companies who offer training seminars on cruise ships and vacation resorts all over the world, at reasonable costs. It is also possible for people to obtain training online. The companies provide comprehensive programs with the know-how, training and the tools that are required by a potential agent to succeed in the industry. Parent cruise companies offer first hand training, to uphold an already established business pattern and maintain uniformity in various smaller centers.

Cruise travel business opportunities offer the means to earn without managing any stock or personal selling. They do not involve learning complicated technical information and require a small upfront investment. Regardless of whether individuals are looking for a way to increase their income on a part-time basis, or hoping for a full-time business opportunity, cruise travel helps individuals to build an independent business under the guidance of the parent cruise travel group.