Will I still be able to get medical treatment if I do not have travel insurance? The answer to this question depends on where you are. A few countries have reciprocal arrangements with the UK; this means you will get the same attention and treatment as a citizen of that country, without the need for insurance.

They include European Union countries; Austria, Belgium, Bulgaria, Czech Republic, Cyprus, Denmark, Estonia, Finland, France, Germany, Greece, Italy, Luxembourg, the Netherlands, Portugal, Spain, the Republic of Ireland and Sweden; as well as Australia, Barbados, New Zealand, Romania and Russia. It does not however include popular destinations such as Switzerland, Turkey and the US.

You must take into consideration, however, that treatment may not be free. The arrangements also do not cover the cost of getting home if you are seriously ill or injured.

What is the European Health Insurance Card (EHIC)? The European Health Insurance Card (EHIC) gives access to free or reduced cost medical treatment in the European Union. It replaced the E111 in January 2006. You can get further details from the Department of Health's website.

I have travel accident insurance with my credit card. Does that mean I do not need travel insurance? Travel accident insurance usually covers you if you are seriously injured in an accident whilst travelling. It does not cover the cost of repatriation or treatment if you fall ill. Neither does it cover loss of baggage, money or cancellation of your holiday. So, yes you will still need travel insurance

A few credit cards and packaged current accounts do offer "free" travel insurance. Check the policy is comprehensive and covers everything you need.

If something goes wrong on holiday, what should I do? Firstly, take the policy details with you - Make sure you call you insurer before you have any medical treatment, have your insurance details with you. Some insurers may even refuse to pay out if you do not call them.

Then remember to keep receipts - you will need receipts for any items that you want to claim for. These would include: medical bills, prescriptions and anything you have to buy because your baggage has been lost, stolen or delayed.

And if your belongings are lost or stolen get a police report - your insurer will want to see a police report.

What if your holiday is delayed more than 12 hours? If you're delayed for longer than 12 hours you can usually claim up to around 50 pounds on your travel insurance. Ask the airline to confirm the delay in writing and keep receipts of expenses incurred.

My claim was rejected. What can I do? Do not be put off if a claim is turned down or not fully paid. Complain, in writing, to the travel insurance company and, if they do not resolve your complaint, you can complain to the Financial Ombudsman Service. The Ombudsman can look into your case and can force the company to settle and to pay you compensation.

What is personal liability cover? Personal liability is not used often but is important an important part of travel insurance. If you face legal bills for accidentally injuring someone or damaging their property whilst abroad you will be covered.

Michael Challiner

Sipadan Island, one of the world’s famous diving paradises, is located off the coast of East Malaysia. It rises about 600 meters from the seabed and is also strategically placed in the heart of the Indo-Pacific Ocean, home of the richest aquatic habitats in the entire world. The legendary diving heaven is said to house more than 3,000 species of marine life and recorded hundreds of coral species in its ecosystem.

The Best Diving Spots
As many as nine established dive spots can be found in Sipadan Island. These spots are named after the captivating encounters divers had such as the Hanging Garden, Barracuda point, White-tip Avenue, Coral Garden and Turtle Patch. The most popular diving spot is Barracuda point where divers normally come across a big school of barracudas swimming around the area.

The Best Time to Visit and Dive
Malaysia is blessed with a unique climate, boasting an all year-round sun ranging from 21ÚC to 32ÚC with the humidity of 85-95%. Rainy season can be expected between November and February with annual recorded rainfalls around 2,000mm to 2,500mm.

Limited Dives per day
Since Sipadan Island has been issued as a protected island by the Malaysian government in 2004 as an act to preserve the ecology and protect the wildlife, only 120 dives are allowed each day. The dives are distributed evenly between the 12 resorts in Mabul and Kapalai for their visitors.

Accommodation
Accommodations can be found on Mabul and Kapalai Island and divers will be ferried to the diving spots by resort operators daily. The resorts offers water bungalows and wooden duplex chalets, both equipped with air-conditioning, hot/cold shower, ceiling fans, private balcony with panoramic sea view, satellite TV, mini bar and fly screens in each unit.

Electricity Supply
The resorts provide a 24-hour a day power supply, using 3 pin rectangular plugs similar to British plugs.

Currency
All purchase and trades are in Malaysian Ringgit (RM). Money changers can be found at the airport and Semporna with VISA and MasterCard accepted in all resort. There are no ATM machines provided at the resort.

Other Attraction
4 hours by land transportation from Semporna to Sukau Rainforest Lodge, changing from blue sea and hot sun to rainforest green and fresh air. Hop on the Kinabatangan river cruise and enjoy watching some primate species hanging on treetops.

writter:Hanne FN

Bali Island located in Indonesia, If you are stressed lately from work or school and you need to get away, the beach may be a very good idea. However, beaches tend to be noisy and dirty at some times of the year. Also, a lot of beaches nowadays are very commercial. So it's likely that they don't seem very peaceful at certain times of the year.

Therefore a very good pick for a stress-free getaway is a well-planned spiritual journey, most probably at a peaceful Asian place with rich heritage.

Bali, a well-known choice for spiritual vacations, is an island in the Indonesia which continues to grow in popularity. It is the most visited tourist spot in the entire country. It is widely held as the cradle of rich art, music, dance and leather and metal crafts. That is why if you travel to Bali, you will never run out of worthwhile things to do.

Bali has several galleries, eco tours, retreat packages, yoga classes and other activities that nurture the spirit and enhance one's well-being. What really makes Bali the ultimate place to be for spiritual vacations is that in Bali, people take their religions seriously. They believe in the spirit in everything and they believe that God holds the web that encompasses every living thing. It is no wonder why spiritual rites and traditions have been preserved in this part of the country for so many years. Things like yoga, meditation and prayers were all deemed essential in the enlightening of the mind and body. A Bali vacation is not complete without all these things.

In Bali, you will also have no problems with food as long as your travel is well planned. Aside from the spirit detox that you will get from all the pampering and the meditation activities, Bali is also rich in restaurant and shops which serve fresh organic vegetarian dishes. Fruits, vegetables, herbs and cheeses are also offered, most of which are even grown in unpolluted mountains by farmers which have high regard for the environment and the cleansing of the spirit. Eating well is one of the cornerstones of "Eat Pray Love", a recommended healthy read during your self-retreat, written by Elizabeth Gilbert.

Another soul-enriching experience is also shopping. In Bali, shopping is not an activity of those who are merely shopaholics and corporate moguls. They are not imprisoned in the claws of capitalism. Rather, there are a lot of merchandise which are made from local materials (environment friendly, of course) and a lot of craftsmen in Bali offer unique handmade products. These masterpieces are great things to bring back to your loved ones.

Lastly, you may consider Bali Alila, a famous hotel in Ubud which has a great homey atmosphere, perfect for the numerous spiritual vacations that they already housed. After all, everything you need after a refreshing day of spirit-nurturing, body-cleansing and mind-clearing activities is just a nice place to sleep in.

written:Karen Kristoffs

If your like me and dream of travelling around Europe for months or even years at a time without having the need to worry where you will find enough money to buy your breakfast & coffee with, then there is plenty of ways to experience this diverse culture and continent without ever having to go into your savings account for a rainy day.

1. Sell On Ebay
   With E-Bay being the mecca of auction sites why not use it to your advantage and be a travelling sales person by signing up with several affiliate companies and sell their goods for them or even better still sell products that can be delivered by e-mail such as e-books.
2. Become A Photographer
   Are you good with a camera and love taking shots of some great sites on your travels, then why not upload your quality pictures up to some of the great websites that can sell them on for you and in return get paid for them or royalties.
3. Tell The World About Your Favourite Hobby
   Do you have a favourite hobby and know a lot about the subject, then tell everyone about it and write your own e-book and get affiliates to sell it for you by paying them a percentage of the profit for each copy they sell.
4. Learn To Be A Travel Writer
   Are you a keen reader and know your semi-colons to your full stops, then write about your travels and sell your stories on to companies that would be interested in buying them from you.
5. Bonjour, Monsieur
   Know how to speak in 1 or more foreign languages and have great people skills, then why not work on the hop-on hop off bus and become a tour guide in the country of your choice for the summer season.
6. Want To Build A Snowman
   Do you love the snow and even better like the thought of going down it at the speed of sound ( well nearly ), then work on one of the many ski resorts in the winter season and even get a FREE pass for yourself.
7. Become The Affiliate Supremo
   Learn how to make money work for you and become an affiliate GOD and sell other company products by making the use of the social networking sites such as facebook or myspace.

Preconstruction realestate is a new term which permits you to select a suitable location for your new home. Builders will work with you so that you realize precisely how preconstruction real estate works. Remember to get details of lots of queries so that no phase of the preconstruction real estate process is left in the dark. The more you know about preconstruction real estate the better able you will be to get the home you want with as few strikes as possible along the way.

Thinking of a good realestate investment for the long run is something that most ventures keep their minds stuck on. Most people have been seeking at the assurance that they can take, particularly when seeking for a good market, people tends to make some modifications that can be measured as a positive investment. Realestate is known to be a big market ton enter, some broker are dedicated, into something in relation with realestate of course, there are condo, residential, commercial and foreclosures. Primarily some of them are expert in some different areas, such as location, price range, etc.

One of the greatest advantage of purchasing preconstruction realestate is that you can secure your home investing opportunity without having to invest a great deal of money. Most pre-construction real estate builders will need you to invest a small amount of money, generally anyplace from 5 to 20 percent of the total cost of the preconstruction realestate. This means that if you are purchasing preconstruction realestate that is valued at $240,000 you are only speculating a down payment of that 5 to 20 percent depending on the pre-construction realestate developer that you are dealing with.

The basic idea of preconstruction realestate is as follows:
Purchase preconstruction realestate from a respected developer that you can trust
Pause for your preconstruction realestate for approval 3) Either sell your preconstruction realestate at a benefit or use the justice to buy more preconstruction realestate.

Preconstruction realestate has been around for many years but not hitherto freshly has it gotten so much attention, especially in the Dubai. Preconstruction realestate is famous for both the experienced realestate investor as well first time home owners. There are many sites around the city that are archetype for preconstruction realestate. Dubai is always a good choice for preconstruction realestate because it considered prime property for ex-servicemen’s. As well, the climate and lifestyle of Dubai make it the most demanding destination for many people who want to purchase property. Your preconstruction realestate will enjoyed in very less time.

Many people are willing to enjoy the pleasure of a luxury travel but they may find themselves a bit short of cash. In fact many people that go on luxury travels are not very rich themselves. Just by making some small change to our holiday style we can really enjoy the pleasures that are associated with luxury travel. The aim of this article is to provide you more information on this subject to help you enjoy a luxury travel at your next holidays.

The first thing that you will need to get used to is last-minute travel. By opting for such type of luxury travel you are sure to get the best possible deals on the destination and make the most of your available budget. You can
contact your favorite travel agent or visit some of the specialized websites on the internet to learn more about these great offers.

It is also possible to have some discounts by reserving your flight early. Given that the travel industry is a very competitive industry travel agents try hard to hook prospective clients. This can be a good way for you to have some savings on your travel packages. This French article on club luxury travel (croisière sur le nil) and holidays cruise contains some interesting information on this subject and should be worth having a look.

Travelling closer at home could also be a good idea for luxury travel on a budget. For instance if you live in Europe, you are not obliged to go to a far and exotic island in order to experience luxury travel. A trip to Venice or Paris can indeed be a great way to relax in a chic and luxury way. Those that are in the US can for instance try Florida for a relaxing holiday.

Luxury travel is indeed a great experience with the level of service, the facilities that are available and the comfort that is involved. However many people find it a bit expensive to experience such type of travel. In this article I have tried to propose some small tips in order to make luxury travel become a bit more affordable for all people.