Trip

Why should you spend $9.95 for the Ebook or $23.95 for the print version of this 120 page full color book? We all know a book with nearly 100 full color photos and drawings is going to be a little bit expensive. It costs the publisher a bunch to go full color, instead of just inserting a set of color photos all bunched together in one place in the book.

I’m the author so my answer to the pricing issue is biased, but I wrote this book to be the complete and most authoritave set of information available, all in one place about the Gray Whales and about their Winter homes in Baja California Sur. I chose full color even though black and white would make the print version half the price it is.

Here are some companies to consider, but there are others as well:

Here are some on line sign up sites.

Deciding what travel insurance to buy and how much to spend can be a daunting process. Here are some factors to consider:

Primary elements of travel insurance include trip cancellation, trip interruption, accidental death or dismemberment, medical/dental coverage, transportation to adequate medical facilities, loss of luggage or personal possessions, and protection against the default or bankruptcy of suppliers. Other insurance options can include personal liability coverage for damages, legal defense, bad weather and many other contingencies.

One of the most confusing aspects of travel insurance is that of pre-existing conditions that can void your trip-cancellation coverage. Some insurance companies are more liberal than others on this score and at least one outfit now waives pre-existing conditions. Remember that a basic premise of selling trip-cancellation insurance, like insurance in general, is to exclude forseeable claims.

A common cause of trip cancellations is a change in job status. If this would cause you to cancel, then consider adding a rider to your trip insurance that would cover you in the event of a change in your job status.

With trip cancellation/interruption, find out precisely who is covered. Must the insured be traveling with you or could coverage include someone at home who becomes ill? Similarly, determine exactly when coverage starts and ends. In the event of medical evacuation, see if the policy means an evacuation only to the nearest medical facility — or all the way to your home. Does the insurer have a 24-hour hot line to provide emergency travel advice and assistance?

Overall, consumers should read all the fine print (granted, not always easy) and ask a lot of questions. The more you know up front, the fewer hassles you will encounter if you need to file a claim.

Many providers require you to purchase the travel insurance within a certain time period of signing up for your trip. Some allow only a couple of days, so don’t delay in checking for trip insurance.

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