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Start Packing Travel Insurance

When you start packing for your trip, whether 500 miles or 5,000 miles, you may want to be sure you’re also packing travel insurance.

Preparing for the worst while planning your vacation may seem like a downer, however, it’s not as bad as it could be if you don’t plan at all. What would you do if your purse or wallet were stolen? What would you do if you stepped down from a Mayan ruin only to find it was further down than you thought, and you broke an arm or leg? How would you deal with that? Travel insurance is designed to help you with these issues. When is the last time you knew in advance that you would have to cancel your trip before ever going? Say you have paid in full for your vacation and “something” happens…You CAN’T go. Now what? If you are within a certain time frame and DON’T have travel insurance, you could lose ALL of your money. Now that’s a real downer.

Peter Greenberg of  TODAY Travel discusses the 9 reasons you want to buy travel insurance.

Reasons to buy travel insurance
1. Your flight has been cancelled.
2. Your bags are lost and your medication is in it. You need to have an emergency prescription filled.
3. Your passport and wallet are stolen, and you need emergency cash and a replacement passport.
4. You’re involved in an accident and adequate medical treatment is not available. You need medical evacuation.
5. You need to cancel your trip due to illness.
6. Your cruise line, airline or tour operator goes bankrupt. You need your non-refundable expenses covered and to get to your destination.
7. You have a medical emergency in a foreign country.
8. A terrorist incident occurs in the city where you’re planning to visit and you want to cancel your trip.
9. A hurricane forces you to evacuate your resort, hotel or cruise.

One of the Travel Insurance Companies we use most is the MH Ross Company. In order to answer some of your questions regarding Travel Insurance I conducted the following interview with Senior Vice President, Sheri Machat.

The MH Ross Company was founded in 1952 as an insurance agency and first began offering a custom travel insurance plan in 1961 for Unitours/Club Universe.  Sheri Machat, Senior Vice President joined MH Ross Travel Insurance Services in 1980.

Q: What makes MH Ross stand out or better than other Travel Insurance offered?

A: Our balanced distribution of Coverage, Cost & Customer Service. The service by our staff is one of the ways that we stand out from the competition – we truly care about our agents and their passengers.  Our benefits are very solid and provide industry leading coverage, such as Primary Medical on all plans but Asset Value.  Our Bridge and Complete plans include some of the following benefits at no additional premium:

  • Hurricane Warning Benefit – cancellation of the trip if NOAA issues a hurricane warning within 24 hours of departure for your destination
  • Non-Medical Emergency Evacuation – if a local authorities or the U.S. State Department issue a formal recommendation to leave a country due to a natural disaster; civil, military or political unrest; being declared persona non-grata – this benefit MUST be made by One Call Worldwide Travel Services
  • Cancellation due to work reasons – being required to work during the trip – documentation is required

Both Asset Plus and Complete plans include Cancel For Any Reason allowing the Insured to cancel for reasons such as their dog had puppies, or a child made the soccer playoffs.  Depending on the plan selected, the Cancel For Any Reason benefits will pay 60% of the cancellation penalty on Asset Plus and 80% of the cancellation penalty on Complete.

Q: Is there something unique or different MH Ross is doing for the insured that is not offered by other Travel Insurance Services?

A: MH Ross offers four plans on two brochures – the Asset series for the budget traveler, and the Bridge/Complete series which offer superior coverage’s at a competitive price. Each brochure includes one product with Cancel For Any Reason and one without, which facilitates the price comparison between the two products for both you and your client. Also, on the Asset Plus, Bridge and Complete products, the Medical is Primary without compromising the benefit amounts- making the MH Ross medical benefits on these plans among the best in the industry.

Q: Does your Travel Insurance cover Air only, or does it also cover Train, Hotel, etc??

A: The insurance will cover the specific trip segments that insurance is purchased for, whether it is air only,cruise, land, train or hotel. The passenger should consider insuring all pre-paid non-refundable portions of their trip that are subject to cancellation penalties. 

If the trip is interrupted for a covered reason, we will also cover the unused, forfeited, non-refundable payments for shore excursions, theater, concert or event tickets or sightseeing if the arrangements are made during the trip.

Q: What are the common things that travelers might think is covered by travel insurance, but is not?

A: Baggage Delay – people sometimes think they are automatically paid the Baggage Delay benefit as a lump sum and not realize that it only pays for reimbursement of items purchased when the baggage is delayed for a minimum of 12 hours.

Trip Cancellation – if someone needs to cancel a trip due to illness, they must see a doctor.  They cannot just say I did not feel well and so I cancelled my trip.

Trip Interruption – medical treatment must be provided by a legally qualified physician documenting that the illness or injury prevents the Insured from continuing the trip.

Q: What is your refund policy?

A: The Insureds have a 10 day free-look to review the policy once purchased.  Should they wish a refund, within that time period, it is given without question.

Q: A medical emergency happens in a foreign country, how does this policy help?

A: First of all One Call 24-hour Assistance should be contacted.  They will make contact with the treating physician to verify the proper treatment is being provided.  It is important to note that when a medical case arises during the trip due to injury or illness, the primary focus is to make sure the patient is stabilized before they will even consider moving them to a different facility or returning them home.  Also, a “fit to travel” release form must be completed by the treating physician before we will allow them to come home to indicate that it is safe for them to travel. 

Q: Luggage is stolen or lost by the airline and important documents/medical equipment and prescriptions are inside the luggage. How does MH Ross handle this loss?

A: Prescriptions should never be checked in baggage, they should always be a part of the carry-on luggage.  Second, if something did happen, then the Insured would need to contact One Call Assistance Service in order to assist getting their prescriptions replaced. 

To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132
info [at]

Travel Tidbits – Site names top destinations for single men

Siracusa, Italy: a cultural city guide
Readers’ tips, recommendations and travel advice… Telegraph (London)







For wine lovers, tasty trips across Canada
From coast to coast, another way to savor the fruits of a nation …





Site names top destinations
for single men

Barcelona, Buenos Aires and Miami top a list of 29 cities that attract single men on the go… CNN






Nimes, France: A cultural guide
An essential cultural guide to Nimes in France, a steadfastly French city built on Roman foundations… Telegraph (London)




Singapore: readers’ tips, recommendations and travel advice
Readers’ advice on trips to Singapore… Telegraph (London)







Boston Essentials
Boston is a big city, but it doesn’t feel that way when you’re walking around and make no mistake, this is one of those cities perfect to explore on foot …



To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132
info [at]

Travel Tidbits – Cunard rolls out new weddings at sea program

Cunard rolls out new weddings at sea program
That’s the word this week from U.K.-based Cunard, which as previously announced, is rolling out a weddings at sea program this year for the first time in its 172-year history…USA Today





Top five bargain destinations for spring 2012
Everything is greener in spring, including your wallet if you choose your travel destination wisely…USA Today






Best spring break getaways
Favorite family-friendly vacations…






15 Most Romantic Places to Kiss Around the World
Fold up the picnic blanket, cancel your dinner reservation, ditch the back row of the neighborhood movie theater… Conde Nast Traveler




Where we can go for a beach vacation with good food?
Let’s forgo the all-you-can-eat and sample what’s simmering under the corrugated tin roofs…Globe and Mail




Treasures of the Danube
From Budapest to the Black Sea on a memorable river cruise… The Australian





To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132

Things to do in: Costa Rica

  • Educational Tours: Coffee Tour, Night Tour, Surf Lessons, Turtle Nesting Tour, Species Exhibit, Scuba Diving, Guided Tours
  • Adventure Tours: Rafting, Cave Exploration, Horseback Riding, Zip Lines, Rappel, Biking, ATV Tours, Water-slides, Kayaking


  • Marine Tours: Catamaran Tour, Sport Fishing, Marine Mammal Observation, Mangrove Tours, Scuba Diving, Snorkeling


  • Cultural Tours: Coffee Tours, Museum, Shopping


  • Leisure Tours: Tram, Fresh Water Fishing, Boat Tours, Catamaran Tours, Hot Springs, Safari Float, Suspension Bridges


  • Nature Tours: Mangrove Tours, Safari Float, Marine Mammal Observation, Night Tour, Horseback Riding, Bird Watching, Butterfly Gardens, Fresh Water Fishing, Guided Tours, Hiking, Species Exhibits, Suspension Bridges, Turtle Nesting Tour


Costa Rica – Welcome to Paradise


To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132


Travel Tidbits – The 10 trashiest spring break destinations

The 10 trashiest spring break destinations
You don’t have to tune into MTV Spring Break to know that for many college students the annual rite revolved around booze, beaches and babes… USA Today



Eight Vacations for Ultimate Relaxation
A list of relaxing vacation spots around the world that will infuse you with a sense of calm before, during, or after the holiday rush… Smarter Travel




Swim with sea lions in the Sea of Cortez
It’s a popular day-trip tourist outing to swim with the sea lions… Seattle Times





All aboard the TMZ Tour: A tawdry trip through Hollywood
The faithful walk past a Charlie Chaplin who twirls his cane, a Marilyn who shows off her cleavage while blowing kisses and a ranting, Jheri-curled Samuel Jackson (a la “Pulp Fiction”)… CNN






iPads change economics and speed of hotel Wi-Fi
Guest room Wi-Fi networks that most hotels thought they had brought up to standard just a few years ago are now often groaning under user demands… NY Times




New adrenaline-pumping attractions
Get adrenaline pumping with these scary new attractions…




To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132

Travel Tidbits – New museums to marvel over in Amsterdam, Rome and Paris

Fly away: 5 lodges reached only by plane
Say goodbye to civilization and hello to a remote pocket of the world at these five resorts… CNN






From City (Munich) to Forest (Bavarian)
Germany’s other major forest region offers tree-top walks, unusual liqueurs and plenty of fresh air… New York Times





In Spain, Miro’s Majorca
Discovering the island that sheltered and inspired the artist, leading to some of his greatest work… New York Times







Chill out with an ice cream tour
No pints in the freezer? Celebrate National Ice Cream Month with a visit to a factory…





New museums to marvel over in Amsterdam, Rome and Paris
The Hermitage Amsterdam, Rome’s MAXXI and the Pinacotheque de Paris add a welcome burst of energy to the European art scene… LA Times



No Shih Tzu! Airlines ban pug-nosed pets
Flat-faced canines can no longer fly Cathay Pacific. And their feline friends need to make other travel plans, too… CNN






To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132

Travel Tidbits – When in Paris, do as the Parisians do – eat pastries

Surfing the user-friendly waves of El Salvador
El Salvador has suffered from a civil war, natural disasters and continuing violent crime, but foreign surfers are lured by its world-class and forgiving waves… Seattle Times



World’s top revolving restaurants
Over the past 50 years, revolving restaurants have opened in more than 50 countries on six continents… CNN






When in Paris, do as the Parisians do – eat pastries
In the City of Light, the pastries are multilayered works of art… LA Times






Top 25 Cruise Lines
River cruises have never been so popular, but readers still love ocean-bound excursions too… Conde Nast Traveler






Forbes names new 5-star hotels, eateries for 2012
Forbes Travel Guide has crowned its new five-star winners in the hospitality industry, bringing the total to 57 hotels, 25 restaurants, and 30 spas… USA Today




A cultural guide to Honfleur
An essential cultural guide to a picturesque town immortalized by the Impressionists… Telegraph (London)




To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132

Travel Tidbits – Ten Best Cruise Lines for Solo Travelers

Lost in Java
Finding spice, color and moments of unexpected silence in the pulsating center of Indonesia… New York Times





Ten Best Cruise Lines for Solo Travelers
Solo cruising. Cruising solo. Somehow those two words, no matter the order, seem to evoke furrowed brows and looks of pity… Smarter Travel



36 Hours in Detroit
Despite recent news stories of a population exodus from Detroit, there are many reasons to make a pilgrimage to this struggling city right now… New York Times




Off the Roman Coast, Bobbing for Views
Arriving by ferry or hydrofoil at Ponza, an island in the Tyrrhenian Sea, the boat trims the island’s eastern coast, a vista of sheer tuff cliffs bleached white by the sun and eroded by water and wind… New York Times




Oregon’s New Cyclist-Friendly Hotel
Cyclist-friendly Oregon has a stylish new rest stop for weary pedalers… Travel and Leisure





New York Essentials
A city of endless possibilities, high energy and great diversity, New York has always been the benchmark for first-rate dining, unparalleled shopping and cultural activity…


To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132

Travel Tidbits – New airfare pricing rule challenged in Congress

China’s Lantern Festival
China celebrates the Lantern Festival, marking the end of the Lunar New Year festivities… Telegraph (London)






America’s Best Cities for Dating
Look for love in all the right places, because these 10 U.S. cities rank tops for their dating-friendly credentials… Yahoo Travel News



Best unromantic places around the world
Tired of thinking about romantic places to go for Valentine’s Day? Here are some unromantic locales to take your mind off of love… LA Times



A leisurely cruise down the Danube
This decidedly contemporary little adventure proved there’s plenty more to the Danube than ornate campaniles and schmaltzy music… Telegraph (London)



New airfare pricing rule challenged in Congress
Airlines are fighting the federal rule that requires them to quote airfares that includes taxes and fees, and their allies in Congress have introduced a bill to scuttle the requirement… Seattle Times



Hyatt plans six more hotels in Saudi Arabia
The Hyatt Hotels Corp. is gearing up for a major expansion in Saudi Arabia… USA Today




To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132

Sweet Relief – Top 10 global spa trends for 2012

As a massage therapist for over 20 years I always love hearing the spa trends for the year. I am hopeful that more people will learn the health benefits of massage and not see it as a luxury item. All people from all walks of life benefit from massage.

Let’s explore some of the different spa trends for 2012:

1. Feet Focus – Reflexology – Foot Massage

On the rise are multi-treatments focused on the feet. Specific work on the foot due to high-heel pain.

Mandarin Oriental Las Vegas offers a Shanghai foot massage.

La Costa Spa now has a Reflexology Path at their Carlsbad Resort in San Diego.

2. Cold & Ice – Icy therapies & cold experiences are hot!

Great for inflammation and pain reduction.

QUA Baths & Spa at Caesars Palace in Las Vegas now has an “Arctic Ice Room”

Sparkling Hill Resort & Wellness Center offers a Cold Sauna (Cryotherapy) Treatment in Vernon, BC Canada

You might start getting facials and noticing that there are more icy masks and cold applications being used.

Austrian spa designer Thermarium is expected to launch a “snow shower” this year. You will be able to choose between a light snow, medium snowfall and a blizzard.


3. Wellness & Beauty Coaching – Helping people make long-term life changes

You may find that some spas will now have more “fitness coaches” available to work with you on your fitness and health.

Canyon Ranch Resort & Spa in Miami

Deerfield Spa with Dr. Brad as your life coach


4. Online Wellness Gaming – Gaming your way to health & wellness

The world-renowned Mayo Clinic’s “Games as Life-Changers”, Clarins “Spa Life” on Facebook and Deepak Chopra’s meditation game “Leela”

RealNetworks Data projects that Wellness gaming will generate $2 billion in revenue by 2015.


5. The Ultimate Connoisseur Experience -Pairing fine dining with spa experience. Healthy Hedonism.

Hotel Metropole Monte Carlo with chef Joel Robuchon, Yoga Retreat for Foodies with David Romanelli, and Ritz Carlton’s “Blokes & Beer” spa package in Toronto


6. Spas are picking up on “Good Vibrations” using Vibration, Sound, Music, Light and Color

QUA Baths & Spa offers Aura-Soma Color Reading

Acqualina by ESPA in Miami uses red and blue LED to repair/renew skin cells.

Miraval Resort in Tucson, Arizona offers the “Taiz Sensorium” with full -sensory immersion.

AlphaSphere Mind melting spa designed by Vienna artist sha


7. The Glam Factor – grooming and beauty – blow-dry bar

Guerlain Spa  – NYC

Hershesons – London Blow-dry bar

Blushington – Makeup and Beauty Lounge in West Hollywood


8. Spa Evidence – Scientific Proof of Wellness

Hospitals (e.g. UCLA Medical Center) are now offering Donna Karan’s Urban Zen Integrative Therapy.

Hospitals are starting to offer Eastern healing approaches which include massage, acupuncture, reiki, music and art therapies.


9. Spas are becoming a family affair – The Kinder-Spa Craze.

The Enchanted Lagoon Kids Spa in Gurnee, Illinois

Isrotel Dead Sea Hotel – Israel

Klafs – Germany

Aulani Disney family spa – Hawaii’s newest Disney Resort

10. Spas going for the “WOW”

‘The Nest’ at Coqoon Spa at the Indigo Pearl in Thailand




New York Spa Castle 

Bota Bota Spa-Sur-L’Eau in Montreal

Amusement Park Spas, Water Park Spas, Tropical Garden Spas and spas with a full range of Classical music  and Jazz concerts. Many of the spa-parks are geared towards children and their parents. These are some of the spa experiences trending for 2012.

To plan your trip today:
All About Travel
6104 Northwest 63
Oklahoma City, OK 73132