Trip insurance has angered travelers and drawn state scrutiny

Is the nightmarish possibility of being laid off keeping you from taking the vacation of your dreams?

Several travel companies are hoping to allay your fears — and then wish you bon voyage.

Cruise retailer CruiseOne, with several locations in Northeast Ohio, recently added job-loss coverage to its basic travel insurance policy. If you get laid off, you can cancel the cruise with no penalty — provided you’ve purchased the insurance, the price of which varies by the cost of the cruise but starts at $35.

“You wouldn’t think something so simple could make such a difference,” said Becky Piper, who runs a CruiseOne franchise out of her Strongsville home. “My sales have skyrocketed.”

“Everyone is just so fearful,” she said. “They don’t want to make plans for six months from now if they think they might not have a job.”

To qualify for the policy, which is administered by Travel Guard, you must have been employed for a year. Information: cruiseone.com.

Ecruises.com, an online travel agency specializing in cruises, also offers job-loss protection through its basic travel insurance policy; and Ecruises is picking up the cost of the insurance.

Norwegian Cruise Line also recently added job-loss insurance to its travel insurance plan for sailings in May and beyond. Prices start at $29, depending on the fare. Information: ncl.com.

A bed-and-breakfast in Vermont is offering six free two-night getaways to people who have been unemployed for more than six months. Rabbit Hill Inn in Lower Waterford, on the New Hampshire border near St. Johnsbury, will offer a two-night freebie, dubbed the Pink Slip Getaway Giveaway, each month in April through July and again in November and December. Send a letter or e-mail by Monday, June 1, explaining your story in a page or less: Box 55, Lower Waterford Road, Lower Waterford, VT 05848 or info@rabbithillinn. com.

Ohio’s two CoCo Key water parks, in Newark and Cincinnati, are offering a price break to workers who have been forced to take unpaid time off. For $119, a family of four can spend a night at either resort, which includes two full days of water-park passes. Information: cherryvalleylodge.com or sheraton.com/cincinnatinorth.
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Posted Under: Travel Insurance News
This post was written by admin on March 29, 2009

Cute and Essential Dog Clothes

It’s still cold outside and not spring quite yet so your dog still needs quality and cute dog clothes such as this dog parka. More and more pet owners are realizing that their pets get cold too and so you might be thinking about getting your special dog something warm to wear. Now you can keep your dog warm and stylish at the same time.

With several different types of dog apparel to choose from you are sure to find the perfect dog sweater, dog jacket, and even dog pajamas. Since we all know we are in hard economic times SuppliesJust4Pets.com is offering tiered coupons for customers. You can now save $5 on orders of $50, $10 on orders of $100, or $15 on orders of $175. Find these coupon codes at http://www.suppliesjust4pets.com/coupons.html.

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From the Pets - breeding, nutrition, health weblog

Dental practice caused patient an uneven bite, suit claims

By Kelly Holleran

A Madison County man has filed suit against an Alton dental practice, alleging the dentists did not properly diagnose him with TMJ and performed a procedure that made his bite worse.

Gene Silveus claims he visited Humbert Road Dentistry on March 16, 2007, where dentists grinded down the teeth and crowns of the left side of his jaw, causing him to have an uneven and unbalanced bite.

In the suit filed March 6 in Madison County Circuit Court, Silveus claims Dr. Terry Ortman and Dr. Timothy Pranger improperly worked on his mouth, causing him to suffer acute and prolonged physical and mental pain and suffering.

They also failed to initially diagnose Silveus’ TMJ and bi-lateral click before they grinded on his teeth, the complaint says.

The two dentists failed to render dental services consistent with Silveus’ needs, failed to adequately evaluate his condition, failed to diagnose and treat him, failed to take a proper history before grinding on his teeth and failed to fully explain the procedure to him, the suit states.

“After assuming the care and treatment of plaintff, Gene Silveus, the defendant, Dr. Timothey Pranger, D.M.D., through his authorized agent, employee or partner, co-defendant Terry Ortman, D.D.S., committed battery against the plaintiff by intentionally grinding down his teeth and crowns on the left side of his jaw without plaintiff’s consent,” the suit states.

Silveus claims they also failed to properly equilibrate the left and right side of his teeth on the same day.

As a result, Silveus has incurred dental expenses, according to the complaint.

In the 13-count suit, Silveus is seeking a judgment in excess of $650,000, plus costs.

He is represented by Jeffrey A. Kopis of the Kopis Law Office in Belleville.

Madison County Circuit Court case number: 09-L-0220.

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A reality’s blogging

The South Beach nourishment is a wildly popular diet, that’s why South Beach diet recipes are so in demand. There are many delicious low-carb foods that fit on the fare. Almost everything you can think of is included in some south beach diet recipes. Read on to discover a few.

One of the terrific South Shore diet recipes is for chicken Marcela. Add chicken broth, minced parsley, half cup of Marcela wine, olive oil, mushroom slices to boneless, skinless chicken breasts. Brown the chicken in the olive oil. Cook onions and mushrooms until they’re furry, then add the wine and cook for 1 to 2 minutes. Add some broth as liquid is needed. Cover the chicken with the sauce. The calories and carbs will bowl over you 336 calories, and 3 g of carbohydrates

Another of the terrific South Beach diet recipes takes us to the east, in Thailand. It’s be that as it may for some chicken salad from Thailand. It’s a combination of chicken with various vegetables and spicy Thailand sauce. It’s very Spartan to make mix together the salad ingredients, mix together dressing ingredients, then toss them together. It makes four servings and has 8 g of carbohydrates in 297 unconditional calories. It really looks delicious.

How about south of the border with South Beach at recipes? This way for fajitas includes a soy sauce, a recommendation from a cook in a Mexican restaurant. ? to 2 pounds of skirt steak or chicken is cut into strips, combined with a normal onion, two bell peppers, quarter cup of soy sauce, ? cup of wine juice, 1 teaspoon of chili granulate, and 2 tablespoons of oil. Let the meat marinate in the liquid ingredients for at least an hour. Brown the meat then cook the vegetables for a terse time. This serves five, has 4.5 g of carbohydrates in a total of 307 calories per serving.

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From the Free recipes - food and drink recipes weblog

State bans sale of bankrupt firm’s travel insurance

A Southwest Florida travel agency says it long ago stopped selling insurance policies from a company under investigation by Florida Chief Financial Officer Alex Sink.

According to the Department of Financial Services, Sink this week notified three travel agencies to stop selling insurance on behalf of Colorado-based Prime Travel Protection Services Inc. and any other unlicensed travel insurer. Prime Travel Protection Services Inc., run by Jerry Watson in Colorado, reportedly filed bankruptcy in January.

Sink issued legal notices to Palm Coast Travel of Lake Worth; Vacation Superstore Network Inc., DBA Best Price Cruises, of Port St. Lucie; and Legendary Journeys Inc. of Sarasota, charging they violated state law by selling insurance for Prime Travel, which is not licensed in Florida to sell insurance. The travel agencies have 21 days from the receipt of the notice to respond.

Reached by phone in Sarasota on Friday, Legendary Journeys Vice President Al Ferguson said his company hasn’t sold Prime Travel Protection policies in six months. “We were getting complaints regarding their repayment schedule for valid claims,” Ferguson said. State regulators were informed, Ferguson said.

Legendary Journeys has offices throughout Southwest Florida, including one in Fort Myers.

Sink’s office said other travel agencies are under investigation, and may be named for selling policies from insurers that aren’t state-licensed.

Travel insurance can protect consumers against costs from unforeseeable circumstances, including trip cancellation, early return and emergency medical needs. Sink advises consumers to get confirmation that the insurer providing travel insurance protection is licensed by the State of Florida (Office of Insurance Regulation) before purchasing the product.
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Selling Pet Supplies From Home

Generally 70 million homes have pets in the USA and the average American spends about 150 dollars every month on pet supplies. This amounts to a enormous amount of money. In fact, the pet industry is selling about 40 billion dollars worth of pet supplies online every year.

Assume if you were able to just get the smallest slice of this ridiculous amount of money!

The good news is that you can. You could be selling pet supplies from conversant with in a very short space of time. Whether or not pets are your passion, the pet industry could provide you with a great income working from domestic.

Selling pet supplies from home is made easy because there is a pet supply company called ilovepets that has done all the hard trade for you. They have created ready made websites with inventory for you to use as your own online pet store business of selling pet supplies from home.

When you vestige up, you will get a free start-up kit that will supply you with a pre-built online pet store that has many different pet supplies in a variety of categories for you to promote on it. You don’t have to worry about storing and shipping the pet supplies because ilovepets does all that for you. All you have to do is concentrate on selling the pet supplies and picking up your profits which are in the configuration of commission.

The more customers to your site mean that you are going to have more profit in your pocket. Ilovepets provide many guides and the marketing director explains how to drive visitors to your online pet store in various ways.

It’s totally up to you how much that you want to espouse selling pet supplies from home. You could just keep it as a secondary income or drive more customers to your site and create a full however income. Some people drive huge amounts of traffic to their sites and bring in enough profit to give them financial disrespect.

The other guides provided are there to help grow your online pet store with general business aspects like banknotes flow, accounts, taxes and wealth and retirement issues. Everything is supplied to you that will enable you to create a large selling, flourishing online pet supply store.

The wonderful thing about selling pet supplies from home from your pet store, is that once it is up and on-going and you have enough customers to provide you with your required income, you can just leave it. It will basically run itself.

Selling pet supplies online will prepare for you with a constant stream of money 24/7, when you are on holiday, asleep, keeping fit or whatever you fancy doing. You are going to have to vouchsafe your pet store site, marketing etc occasionally but that doesn’t take long, only a few hours per week. You will have no customers to deal mush to face with. You will have no awkward employees and employee related issues and no wages to pay.

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From the Pets - breeding, nutrition, health weblog

What Does Travel Insurance Cover me For?

Many travelers ponder whether or not getting travel insurance is a necessary expense that they should shell out to protect them for a scheduled trip. Some travel insurance plans can be pretty pricey, and the fact that you may not even have to use it makes potential travelers leery about purchasing extra protection.

To determine whether or not investing in travel insurance is the right move, you need to be aware of what is covered under the typical travel insurance plan. Keep in mind that each individual plan from separate providers will be different, so each plan should be examined thoroughly before making a final decision on purchasing a plan, but here are a few key elements that should be present in most standard travel insurance plans.

Trip Cancellation

This is probably the biggest reason of all to get travel insurance, whether any unforeseen circumstance arises or not - the piece of mind that you’ll have when you know you are protected is enough for a lot of people to shell out the money. Unexpected things happen every day that could possibly have a serious impact on your travels - sudden illness, a death in the family or an act of god (tornado, earthquake, etc.) could all cause you to cancel or delay your trip. If you had purchased a travel package or non-refundable tickets you could conceivably be out quite a bit of money, but with the purchase of a travel insurance plan you could be protected for at least the majority of the cost of your trip.

Medical Expenses

Many medical providers don’t cover expenses incurred on international travel, with the purchase of an appropriate travel insurance plan you and your fellow travelers could be covered for most emergency medical treatments while on vacation due to accidents illnesses or other injuries. Emergency medical care costs can very easily run into the thousands of dollars, so if your regular insurance provider won’t extend coverage during travel or if you don’t have a regular medical insurance provider, travel insurance that covers medical expenses can be a necessity.

Lost or Delayed Baggage

Most travel insurance plans provide reimbursement for necessities like clothing and toiletries in the event that your bags are lost or delayed. This can be especially important to those travelers who have plans or business meeting shortly after they are scheduled to land. Rather than worry about what they are going to do in order to get ready for whatever their schedule has in store for them, travelers can quickly get the items they need and feel secure that they will be reimbursed for their purchases.

Accommodations Incurred during Unexpected Delays

If your trip is delayed due to an illness or injury to yourself or a travel companion, or for any number of other unexpected reasons covered by your selected plan you may be eligible for reimbursement for accommodations and expenses for other necessities during your extended stay.

Depending upon what company you choose to go with and which level of coverage you decide to opt for there may be many other ways to customize the coverage to suit your particular needs.

If you’ve never had a single problem on a business trip or vacation and you feel totally confident that your future travels will all go off without a hitch then you don’t necessarily need to purchase travelers insurance, but if you want the piece of mind that you’ll be protected against many of the unfortunately and unforeseeable problems that could occur and inhibit your travels then purchasing a plan is a sound investment. It may not be something that you’ll have to use, but if you need it you’ll be very grateful that it’s there.

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