The travel company, HBF just wrote a great article on tips to make your travel insurance claim easier, with some very useful information if you ever find yourself in need of making a claim. I thought they made good points with the following:

1. First, you need to be honest and upfront when you take out your policy. Some pre existing conditions can be covered by your insurance company, so check. You don’t want your policy cancelled because you didn’t mention something!
2. Make sure you read your policy. It’s a bit dry, I know, but there’s a lot of important information in there which will come in handy if you have to make a claim.
3. Keep everything! What’s to stop someone from faking an insurance claim? Insurance companies require evidence. Keep original receipts and documents related to your claim. The worst case scenario, you get home safely and make a scrap book of all your sundry expenses.
4. If you have to make a claim, be as detailed as possible. If you answer everything with enough detail, the insurance company might not have to follow up – making the payment come much faster.
5. This is probably the most annoying advice, but you have to be patient. A lot of companies have standards they have to meet, so as long as you claim is being processed within the time they specify (HBF specifies 10 days, but your insurance company might be different), try to wait.

Obviously you never want to find yourself in a situation where you need to make a travel insurance claim, but if you follow these steps your life will be much easier. I also found an article about the five most common travel insurance claims, so hopefully you can try to avoid them.

Medical claims are probably the most annoying to have to deal with. No one wants to get sick while they are on vacation. So the best thing to do is find out as much as you can about the destination before you go. Is it safe to drink the water? Any food you should avoid? Going to your destination with a little bit of research can save you a lot of grief in the long-run.

Lost, damaged, and stolen luggage is another common claim, and there are a few things you can do to help avoid it from happening to you. Some things are pretty much common sense, but you would be surprised how many people forget to put tags on their bags! Make sure you remove old destination stickers, check in your bags early, avoid flights with tight connections, and head straight to the luggage area as soon as you land. And remember, as those announcements echo around the airport “do not leave your bags unattended”.

Lost or Stolen Credit cards and money are a huge problem for travellers, but the only thing you can really do here is use common sense. Keep a photocopy of you credit cards and ID in your bags, but other than that you just need to be careful.

Finally, cancelled flights are travel delays are something that is out of your control but a huge inconvenience. Always check with the airline a few days before and the day of your flight to make sure everything is going forward. Try to fly earlier in the day, midweek, and get to the airport early.

Hopefully you are never in a position where you have to make a claim on your travel insurance, but a little common sense and thinking ahead can save you time and money in the long term!

Sri lanka, most popularly known as “Pearl of Asia” is certainly one of those travel destination which is always filled up with people all over the world. Sri Lanka is a island country and that’s why it has a relatively moderate temperature in comparison to the other countries but due to its central location Equator directly crosses it which increases the temperature of the country. There is so much to do in Sri Lanka that you will never find the things getting exhausted. Why it is so, you will get out here

Colombo, capital of Sri lanka, is a fascinating city, not only for its comfortable blend of East and West, but also for its cosy mixture of past and present. It is the commercial capital of the country. It is one of the classic city I have ever visited.

Another great city to explore is Dambulla. There are various caves in the city that have statues and paintings reflecting the evolution of the city long time back. It is said that the caves of the city was the centre of refuge for king Valgamba during his 14 years of exile from Anuradapura kingdom. At that time there were Buddhist monks who protected this king from his enemies. And when king got back his throne in the 1st century BC he built a magnificent rock temple to express his gratitude toward the monks who saved his life.
Apart from this city have other historical sites that are noteworthy. Moreover the city is surrounded with beautiful landscapes that draws tourist throughout the world.

Galle is another exciting city in Sri Lanka. Galle is declared as World Heritage City by the UNESCO. Galle is also known as capital of the Southern Province has a rich and colorful history. With magnificent Dutch fort which is also one of the popular attractions of this place the place reflects the Old Dutch atmosphere in this town. Not only the town is surrounded by beaches and draws tourists throughout the year.People over here are quite friendly and greet every visitor with a warm hospitality. One will be charmed with the natural scenic beauty of this place.

You can start the search for it from now only. It is always better to be first than last.

When people talk about planning a tour to Asia, then it is basically concentrated on one country and that is of INDIA. In fact, India constitutes almost all the cultural and traditional values of Asia. Though there are other fine countries as well, but India is quite distinct on account of its decentness, its lovable behavior and the traveling destination. Moreover, India is quite a cheap travel destination as well. If we just look the present survey, then most of the people consider India as the best traveling destination in Asia than any thing else. So you must also count on it.

No matter in which part of the world, you are situated, you can easily reach India from several traveling medium. There are so many of them that you will never feel like that the ways are exhausted. As already stated, the travel cost in India is quite less, so it might be a profitable venture for you as well.

Ok, so we will now discuss about some of the fine and attractive tourist spot which India has for us. Basically, the cultural values of India are so immense and so distinct in different parts of the country that you might feel that it has been made after the constituent of more than 20 small countries. The rich traditional values which the people of India always carry with them selves always make them different from the ordinary people. You must try to inculcate some of these values as well.

TAJ MAHAL, the unique piece, define India as one of the biggest architectural destination. For your kind of information, I must state here that Taj Mahal is among one of the “Best New Seven Wonders of the World”. It is situated in Agra, two hours drive from the national capital of India, New Delhi. You will also get a chance to see “Red Fort” another historical monument out there. If you are quite a religious personality, then there are again lots of options available to you in India. It is almost filled with temples and other religious spiritual places. So just hang around there or search it on the net and then it will be a revolting experience for you. Just go ahead and taste the unique flavor of India.