Overseas Travel Insurance Plans – Costs Less and Offers More

Everyone craves for vacations to enjoy some quality time with their loved ones and Indians are no exception. The outbound travel sector of India saw a robust growth this year because international travel destinations are highly sought-after among Indians in 2015. Obstacles like inflation, skyrocketing ticket price and depreciation of rupee couldn’t deter the wandering spirit of Indian travelers to travel around the world. Over 60% of Indians remain unmoved by the depreciating rupee and are raring to go to travel. However, the rate of availing travel insurance to safeguard the trip is still dismal among Indian travelers.Young generations prefer to travel to international destinations once a year at least. According to a survey, 90% of these travelers make use of their own savings for overseas trips and don’t consider travel cover. Quite surprisingly, this is the mindset of young internet savvy generation as ICICI Lombard conducted the survey in the age group of 25-35 among 1049 people across six metro cities in India who had international trips in the previous year.The survey further reveals that Singapore is the most preferred travel destination among young Indian travelers; the second and third places are held by US and UK.Let’s take a look at the travel plans available and their prices for those who favor these destinations. Let’s start with Singapore.Travel insurance plans available for Singapore tripsThe following list of top 5 policy quotes in terms of lowest premium are for one 30 years old person looking for a single trip to Singapore. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942

HDFC Ergo – Premium of Rs. 1015

Reliance – Premium of Rs. 1129

TATA AIG – Premium of Rs. 1234

Religare – Premium of Rs.1666

The lowest premium is Rs. 942 for a travel insurance plan for a 10 days trip to any Asian country such as Singapore, Thailand. This means one has to pay less than Rs. 100 per day to make his trip safe and secured. Indian travelers must know that travel plans are not only inexpensive but they also provide coverage for loss of baggage, passport, hijack and even emergency treatment.Travel Insurance plans available for UK tripsThe following list of top 5 policy quotes in terms of lowest premium are for 1 person looking for a single trip to UK. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942

Bajaj Allianz – Premium of Rs.991

HDFC Ergo – Premium of Rs. 1015

Reliance – Premium of Rs. 1129

Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1139

Universal Sompo provides the lowest premium. The premium of travel insurance plan is also Rs. 942 for a 10 days trip To UK.Travel insurance policies for US tripsThe following list of top 7 policy quotes in terms of lowest premium are for 1 person looking for a single trip to US. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 1344

HDFC Ergo – Premium of Rs. 1438

Bajaj Allianz – Premium of Rs.1441

IFFCO-TOKIO – Premium of Rs.1456

Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1658

TATA AIG – Premium of Rs. 1694

Reliance – Premium of Rs. 1783

The lowest premium is Rs. 1344 for a travel insurance plan for a 10 days trip to US. Just imagine, you are getting all types of risks covered just by paying less than Rs. 140 for each day of your trip.Best travel insurance plans in India in terms of baggage and medical coverage The survey also made clear that 79% people buy travel plan to cover medical emergencies. Safety of baggage is the second most vital reason as 60% people behind purchasing travel insurance policy. So let’s find out best travel insurance plans in terms of medical emergency and luggage safety.From the above list of travel policies for US, two plans by Reliance and Bajaj Allianz look best in terms of baggage cover.Reliance Travel care platinum provides US$1500 for the loss of checked baggage for a premium of Rs.1783. The Travel Elite Premium plan by Bajaj Allianz provides US$ 1000 for a premium of Rs. 1658 for the loss of checked baggage.To get the best coverage for medical emergencies, the Titanium plan by HDFC ERGO is the best. It primarily covers:

Emergency Medical Expenses

Permanent Disablement/accidental death

Hospital Cash

Loss of Personal Documents

Accidental Death

Loss of Baggage

Financial Emergency Assistance

Personal Liability

What is the cost of international travel policy for a couple? According to the survey, 52% of travelers prefer to have trips with spouses. So, if these people can avail a travel plan for visiting US or UK or Singapore, how much do they have to pay?Let’s start with US trip for 10 days for a sum insured of US$ 100000 covering 2 people who are 30 and 28 years old.Religare offers the best plan which comes at a premium of Rs. 2407.If you compare travel plans available for couples who wish to visit UK, keeping the same criteria for trip duration, sum insured and age of the traveler, Religare provides the best plan. The premium of the plan is Rs. 1537.For a trip in countries like Singapore, Thailand within Asia which has been the top travel destination of 2015, a couple has to spend even less for a travel insurance policy. If you compare travel insurance plans that cover Asia, you will get the lowest premium of Rs. 1218 from Explore Asia plan provided by Religare.The positive part of the survey is the increased awareness among Indian travelers. More than 90% of young generation is aware of the travel insurance which is a significant rise from last year’s 80%. One of the major provider of travel insurance plans in India; ICICI Lombard underwritten a total travel insurance premium of Rs 100 previous year, one can expect the premium to increase by 5-10% in this year. The problem is not with the awareness; it is the lack of understanding about the benefits associated with these travel covers.27% of the total respondents in the survey choose not to avail a travel insurance plan simply because they were under the wrong conception that such plans cover only accidents, loss of baggage and theft but don’t provide medical coverage. This is far from being the truth as the complete break-up of Titanium plan by HDFC ERGO shows extensive coverage for medical emergencies.25% surveyed people didn’t buy any travel plan because they thought such plans are costly but it is not so. The price of all plans for person mentioned here are about less than Rs. 100 to less than Rs. 140 for each day of a 10 days trip. Travel insurance policies for couples are even cheaper as they cost in the range of less than Rs. 65 per day per person to less than Rs. 125 per day per person for destinations like US, UK and all countries in Asia including popular destinations like Singapore, Thailand.Indians love to spend their holidays in international destinations. An international travel insurance plan doesn’t cost much and offers a lot in return. If you are also a travel freak, you should insure the total duration of the trip so that you can enjoy your holiday with complete peace of mind.

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Sportsbooks Offering Real Money Bonuses

A real money bonuses sportsbook will provide you with extra value in your online betting. The bonus works by giving you extra cash in your wager to help your win increase in amount. If you bet $100 then the sportsbook will give you $50, making your total wager $150 instead of $100, without costing you any extra money out of pocket.

This increases your winnings by a large amount. There are several websites that offer money bonuses ; you can find all of them through some of the quality listing services online.

Bookmaker – this sportsbook is one of the heavyweights in offshore betting and for offering great bonuses. They provide some of the best bonuses and incentive programs to get you the winnings you want and the cash you need. With their program, a $250 bet gets a free $100 bet and more. They offer an amazing variety of different incentive plans with fast payouts and rollovers to provide you with even more value to your bets.

Diamond (AKA 2betdsi)- this sportsbook has been around for a long time and is listed with a ton of different sportsbook and online gambling listing websites. Their dedication to customer service, growing the amount of bettor’s winnings and fast payouts has given this real money bonuses sportsbook a reputation for quality and top notch service.

Bodog is a sportsbook and casino in one, striving to meet all of your online gaming needs through a single venue. Bodog offers an amazing 10% cash bonus upfront on your first deposit with no dollar limit. That means big bucks for your wagers. Bodog is one of the highest quality and safest places to enjoy online gambling, as well. This real money bonuses sportsbook and casino is a great place to have fun and win big.

These are just a few of the gambling websites that you’ll find on the Internet; there are thousands more out there, each with unique ways to win big and get great rewards. You’ll find that by using these services, your bets get bigger without taking away from your wallet, your winnings are tremendously improved and your sense of accomplishment and enjoyment are dramatically magnified. You can access a real money bonuses sportsbook 24 hours a day, 7 days a week for even more gaming and betting enjoyment.

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Playing Spades For Real Money Can Be Very Rewarding

Of late, it is being seen that the game of Spades is growing exponentially on the Internet. Many online casinos and websites are now offering Spades to anyone who is interested in playing this fast paced and fun game. With this growth of Spades, it is also seen that it is a good way to make substantial amounts of money if you are knowledgeable and have the skills.

Earlier Spades was a game that was limited to being played at home with family and friends. However, with the advancement of the Internet, Spades can now be played online against live players. No longer are you bored with playing the game against a computer or automated bot. In fact, many websites and online casinos also hold regular tournaments for cash prizes for Spades players from all over the world. If you are good and you have an equally good partner, you can win handsomely at these tournaments.

As mentioned previously, Spades is a fast paced game that hardly takes around half an hour to finish. It is played with a deck of 52 cards a minimum of 2 pairs are required. However, the game does not allow partners to communicate across the table. That is why when people are playing Spades with their regular partners, they form some type of communication that is under the radar. In other words, the silent communication between the partners cannot be detected. In traditional Spades, this form of communication can be a gesture, a raised eyebrow or even a cough. However, when you are playing the online version of the game, you do not have the benefit of seeing your partner. Therefore, any form of communication is always judged with the cards that your partner discards.

The rules of Spades are fairly easy to comprehend. Basically you and your partner have to say how many tricks you will take at the beginning of the game based on that the pairs play. The bidding and scoring system make the game interesting. You have to be careful how you bid as it is important that you do not go beyond the tricks you specified at the beginning. This is where the fun and excitement comes in, and makes the game more interesting than most other card games.

No doubt you need to be a skillful player to make money when playing Spades. Your chances of winning are quite good if you can beat your opponent. There are many websites that offer live play for money and all you need to do is download the free software for the game onto your website and begin playing. It is also quite possible for you to find a partner online. Of course, you would require some form of camaraderie between yourself and your partner if you want to win each time you play. The best bet to win substantial sums of money while playing Spades online is to rope in your regular playing partner. However, this does not mean that you cannot win if you are playing with a completely new partner. If you are smart and skilled at the game, and are able to understand your partner’s card throwing, then there is no way you can not win money while playing the game.

When you are playing with a good partner, he or she will feed you a card of a suit that they know you are cutting. If you are planning to cut a trump card, make sure that you go only as high as you need to. Usually all it takes is a two of Spades or three of Spades to win a hand in the initial rounds. Make sure that you keep your high valued Spades for rounds that have more at stake. Also, never cut your partner. This is the number one rule that you should always follow.

If you are truly interested in playing Spades for real cash, then check out 4spades.com. It is a website that offers tournaments for cash. However, if you want to get to know the software that the site uses, you can first practice playing the game for free. This will also help you hone your skills if you are not familiar with the game or if you have not played it for sometime. The site allows players playing for real money to deposit up to $500 a month into their accounts. In addition, the site holds regular tournaments which increase the odds of winning more money when playing Spades.

So, if you thought that it was not possible to win real money while playing Spades online, you are mistaken. You can win and win substantial amounts. However, you need to be a skillful player with a good observant partner.

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