June | 2007 | Realniches.com

Annual Travel Insurance: For The Frequent Traveler

When you buy travel insurance, you usually only buy the package for the vacation you are going to take at that time. However, when you insure your car or home, you buy the insurance year round. That s because you want continual coverage. But what if you re a frequent traveler? Wouldn t it be more expensive to buy travel insurance packages every time you travel rather than buying year round coverage just like your car or home? Sure it would and that s why many insurance companies offer annual travel insurance.

For Business Or Pleasure

Whether you are traveling for business or pleasure, you need travel insurance in case anything goes wrong. If you are a frequent traveler for business or pleasure, don t buy travel insurance every time you leave, ask your current car or home insurer if they offer annual travel insurance. Annual travel insurance covers you for the entire year, no matter how many times you travel. The best part is that if you obtain your annual travel insurance from your current insurer, you can add it to your current bill. You can even have it directly debited from your account so that you can travel with the peace of mind knowing that you are constantly protected against the worst case scenario.

Call Around And Ask For Bids

If you don t know if your current car or home insurer offers annual travel insurance, get on the phone and ask your representative that handles your policy. However, don t go with the first offer you are given. Call around to various insurance companies and ask how much they charge for annual travel insurance.

Shop Around For The Best Deal

While it would be very convenient to have all of your insurance with one insurance company and all on one bill, you don t want to pay more than you have to. If you find another company that offers annual travel insurance for a rate lower than your current insurance company, don t switch just yet. Tell your current insurer. Chances are, they won t want to lose your business so they may come down in their policy pricing to match their competitor that you are threatening to switch to.

It all comes down to feeling safe in case something bad happens on your vacation or business travels. Get annual travel insurance so that you know you ll be covered no matter where you travel to.

Differences with Annual Family Travel Insurance

You might already know that having travel insurance is a good idea. There are so many people that travel, and everyone knows that getting from here to there can not only be an adventure, but it can be an expensive time. However, it is never a smart idea to forsake having travel insurance because it is expensive, or because you might not need it, so why bother buying it these ideas are not good.

Even if you don t use your travel insurance for years and years, the one time that you do use it will make up for the money you have spent, and not having it can cost you more money than your entire trip.

Annual Versus Trip

There are two main kinds of family insurance. The first kind is trip insurance. You can buy small policies that cover you on a vacation for a certain amount of time. This is great for single people or couples who don t travel very often because it is cheap and you use it once. You can buy it right before your trip and be covered while you are gone. However, if you have a big family and you are traveling often, you know that this isn t best option. For you, the best option is annual family travel insurance. This annual family travel insurance can be much more beneficial for your family.

How It Works

With annual family travel insurance you only have to think about it once a year. You can buy the policy and pay for it one time per year. If you do this, then no matter where you or anyone in your family travels during the year, an no matter how long you are gone for, you are protected by your annual family travel insurance. This is great if you have older children who travel, or if you and your spouse travel separately for work or for other reasons. This means that all you have to do is remember to renew your annual family travel insurance once each year, and you will always be covered when you travel.

Why is it better? Well, for starters, with annual family travel insurance there are no limitations on how many people are covered. Your entire family can be covered in the same policy. And you don t all have to be traveling together to get the benefits as well. This is a great option for families, because the annual family travel insurance is going to cover so many things it will always end up being used for something, which makes it very much worth your while.

Air Conditioning And Heat Installation Best Left To Experts

The basic theory of heating and cooling a house or building is based on the knowledge that cold air is heavier than warm air and settles near the bottom of any space. With this information in hand, air conditioning and heating installation has been studied to gain the most efficiency of modern equipment. Typically, under the name of HVAC, heating, ventilation and air conditioning, engineers look at a building and determine the best path for the tempered air to take.

When heating units were first installed in homes and buildings, they counted on gravity to circulate the air. Furnaces were placed in the bottom of a building with ductwork installed to carry the heat to the upper level. As the air in the upper levels cooled, it was moved by gravity through separate, cold air ducts, back to the furnace where it would begin its cycle over. Using that theory, air conditioning and heating installation contractors can design a system to utilize gravity, as well as forced air movement, to maintain a building s comfort level.

Depending on the heat source of a furnace, most communities regulate who is allowed to install furnaces, requiring either a licensed electrician or certified plumber to complete the air conditioning and heating installation to insure it will present no danger to the building s occupants. While just about anyone can fasten parts into place, not only is the efficiency in jeopardy, a faulty air conditioning and heating installation can also put the people in danger.

Appropriate Venting Required On All Units

On all issues of air conditioning and heating installation, proper venting has to be considered to maintain safety as well as to improve efficiency of the units. Improper venting of a heating system can allow toxic gases such as carbon monoxide to escape into the interior air. Even the smallest leak of this gas can prove deadly to the occupants.

With air conditioning, for every inch of air cooled, another inch is heated and unless it is handled properly, the unit will not work efficiently. During air conditioning and heating installation there is always a means to have to hot air produced by the air conditioner vented away from the area being cooled, to allow for more efficiency. Without the proper venting of the heated air, the conditioner is simply cooling the same amount of air it is heating and not being productive to account for the energy used.

The Importance And Necessity Of Equine Veterinary Medicine

The field of veterinary medicine is filled with many innovative and creative new ideas and technologies that researchers and doctors thrive within, helping to lengthen the lifespan of our precious pets and animals. Within the area of veterinary medicine, there are many specialties which are highly technical and specific. One such area of specialized pet care is equine veterinary medicine, which is the medical care of horses.

Horses are very prized pets and animals for many people for a wide variety of reasons. There are those who own horses to race, such as in the Bluegrass State of Kentucky, where horse racing is an age-old tradition. Others enjoy riding horses on their farms or on camping trips and have them mainly for pets. Horses are also a necessity for many other areas of life, and so the need for equine veterinary medicine is very great.

An In-Depth Look At Equine Veterinary Medicine

Equine veterinary medicine is a highly specialized field in which most veterinarians receive their specialization after they have been trained to treat a wide variety of animal species. A student does not generally specialize in this area prior to meeting their veterinary medicine degree qualifications.
Also, in most countries, no further post graduate work is required in order to become an equine veterinarian, although that may be a desirable goal. Many horse owners are looking for individuals to care for their animals who have very specific knowledge of these fine species. Many doctors have a certain way of handling the horses that relaxes them and makes them feel at ease, and this would be a much sought after aspect to look for in a veterinarian.

Horses as a species are very different from other domestic animals in a variety of ways. Their anatomy, pathology, physiology, pharmacology and their husbandry are all highly specific and specialized, therefore those who own them want only the finest care and expertise for their handling. Equine veterinary medicine is just one branch of medicine that a person can become involved in.
Generally, the equine veterinarian has been around horses all of his/her life and has a love of the animals. Horses can be quite expensive to purchase and own, therefore the care of these animals requires a special touch as well, especially when they are race horses. Overall, equine veterinary medicine is a provocative and lucrative, exciting career for those who desire to pursue this field of expertise.

Importance of Air Travel Insurance

There are many times now a days that you might have to travel by air. Traveling by air is something that many people do, because as the years go past, the world is simply getting smaller. There are many different places that you can go by air, and you can get there very quickly. Also, air travel has become more and more affordable because of advances in the technology.

Many people choose to travel by air because of how easy it is and how affordable it has become. However, there are still things that can go wrong with air travel, and these things might end up being more expensive than any others. This means that you should always have air travel insurance, no matter where you are going.

How Does It Work?

Like any other insurance policy, air travel insurance works by covering you for things that go wrong. You pay for it, usually once a year, and then whenever you fly during the time that you have paid for it, your air travel insurance policy will cover any expenses that come up that aren t your fault. This means that you can travel by air knowing that no matter what happens, there is a air travel insurance policy that is covering you, and the trip is never going to end up being much more expensive than you thought it would be.

What Does It Cover?

There are so many things that air travel insurance covers for you. First of all, you will find that the air travel insurance protects you against things that go wrong that are out of your control. This means that if you are bumped from an overbooked flight, the air travel insurance will cover this, and allow you to get a new flight at no extra cost to you. Most airlines will help with this, but sometimes they don t help all the way.

For instance, if an airline kicks you out of the flight they might pay for a new one, but your air travel insurance will not only pay for a new ticket, they ll cover any expenses that you get because of this, such as hotel rooms, food, and expenses that happen when you are late to your destination. There are many different air travel insurance policies that you can choose from, and to pick one that is right for you, you should decide several things, such as how often you fly and where you usually go. Then, you can find a policy that fits into your life and helps you in the best possible way.

Get Access America Travel Insurance for Safe Travel

Traveling usually means fun and excitement while exploring new destinations with family and friends. However many times unfortunate things can happen on a vacation or business trip and the whole schedule if not more can be disrupted costing you time and money in the process. Here is how you can get peace of mind when traveling by getting Access America Travel Insurance coverage at all times.

The Benefits of Access America Travel Insurance

Access America Travel Insurance was established in 1983 and it is a division of World Access Service Corporation as well as a member of the Mondial Assistance Group. The company has dedicated itself to providing a large variety of travel insurance to provide peace of mind for frequent travel as well as for the occasional trip.

You will find that Access America Travel Insurance understands the needs of its costumers when you will find services such as 24 hour assistance for medical emergencies, medical assistance abroad, referrals to legal advice, reimbursement in case your trip is cancelled as well as reimbursement of your money in the event of different travels arrangements and/or loss of luggage.

Some of the policies that Access America Travel Insurance offers are air ticket protection, car rental protection, driver protection and medical coverage to name a few. Plans can be drawn for the period of your trip or even annually in case you are a frequent traveler. For more information on the plans and products they offer, log on to www.accessamerica.com.

Other Helpful Tips

Access America Travel Insurance is a trusted company that works with approximately 22, 000 travel agencies in the country to make it as easily accessible as possible to every traveler. You can go online and speak with a professional who will answer and guide you to the best travel insurance policy that will fit your specific needs and requirements.

Whether you are traveling in the country or abroad, accidents can happen at any time and whether they are small or significant, they can ruin your vacation or can be handled with professionalism and efficiency in order for you to get the best possible outcome out of it. Get Access America Travel Insurance and travel in peace regardless of where you are going and for how long. This company has you covered in order for you to go about enjoying your vacation or conducting business.

Graduating to Advanced Veterinary Products for Your Pet

Many of us have had a pet all of our lives and therefore they have simply become part of the family that you subconsciously think about every time you shop, plan a vacation and make a budget. It is not unusual to want the best and most advanced veterinary products for your pet in order to ensure that it is in the best of health at all times. Here are a few ways in which you can get all the advanced veterinary products for your pet.

Shopping for Advanced Veterinary Products

The number one source for almost anything that you want to get your hands on first is the internet and it is no exception when it comes to finding advanced veterinary products. However, before purchasing and using anything from the internet for your pet especially medicine and food you may want to run it by your vet. Both online and offline companies advertise their items as the Best on the Market , at the Incredible Price and always Now Better and Improved , but be careful not to make a fatal mistake by trying to be a step ahead of everyone.

Your vet will have advanced veterinary products from drugs to food and even other items that some pets with a specific medical condition may require; therefore it is recommended to check with your vet first. The advantage of buying any advanced veterinary products from your vet is that he or she will be able to guarantee the outcome while some internet companies sometimes disappear after they have tricked enough clients or simply don t answer your queries.

Prevention Is Better Than Cure

Carefully read everything written about an advanced and improved product especially the reviews written by customers as they often reflect the truth and not only the company s point of view, which is always good. If you are buying a new drug or food product for your pet, try and get small quantities in order to see how your pet reacts to it. Many times, even if the product is great, your pet may be allergic to one or some ingredients and you may not be able to use the product at all.

Helpful Tip

Let your veterinarian now right away if you have tried a new product and your pet is having an adverse reaction. Take the new product to your vet in order for him to conduct tests, make an accurate diagnosis and recommend a course of treatment.

Air Conditioning Grows Through Industrial Applications

Humans have always sought creature comfort from heating their cave to storing food for later consumption and many of their finds for the home began as processes for business or industry.
In 1851, Dr. John Gorrie used compressed ammonia to make what his patent application called an icemaker. It was used to cool the patients rooms and despite his dreams of whole-house air conditioning, he lacked the financial resources and his invention remained in the planning stages.

It took almost 50 years before the first commercial application of air conditioning cooled air for industrial processing, thanks to the invention of Willis Carrier. Stuart Cramer, operating a textile mill in South Carolina found a way to add moisture to the air, making fabrics easier to work with while cooling the environment, and coined the term air conditioning in his application for the patent.

The earliest methods of air conditioning used compressed gases such as ammonia, methyl chloride and propane, but the danger they presented led to the use of chlorofluorocarbon and in 1928 under the trade name of Freon, was found to be safe for man and machine. However, it was found harmful to the atmosphere and was replaced by hydrofluorocarbons, which proved safer, however even newer gases that are ozone friendly is taking their place and by 2010, all new products will contain Puron.

Air Conditioning Use Spreads To Personal Comfort

During the 1950 s air conditioning use expanded into home and automobiles, improving personal space and helped in the development of larger, deep-well buildings. Developing central air conditioning systems that sent cooled air through ductwork enabled wider building construction. Previously, the buildings had to be thin enough to allow for proper air circulation throughout the entire building.

It has also been noted, and disputed, that human productivity improves in areas where cooler temperatures are maintained. Studies have professed that the most productivity occurs in a room temperature of 72-degrees, and diminishes one percent for every two-degree temperature rise. Many say this is a result of an air conditioning salesman s pitch and dispute the theory.

While other are convinced the study conducted in the Hawthorne Works, a factory in the early 1930 s, shows the relationship between environmental temperature and productivity.From the days of using towers of water and windmills to speed evaporation, controlling the interior environment has found it way into the air conditioning processes available today. From cooling small rooms to entire buildings, humans have found another way to enhance their creature comfort.

Buying AAA Travel Insurance

There are many times that you might want to travel. Even if you are happy in your home and in your town, you should know that there are many places to go to in the world, and traveling is one of the best ways that you can spend your time and money. There are so many things to see and do out there in the world.

However, traveling can be expensive, even if you don t go the extra mile and purchase something like AAA travel insurance. There are many expenses that might come up, some that you probably haven t even though of. For instance, you are already going to have to spend your hard earned money on things like transportation and hotel rooms, so it might seem too expensive to buy AAA travel insurance on top of what you are already spending.

Because AAA travel insurance is something that isn t always used, many people don t get it and simply hope for the best. They feel that if they don t spend that money, they will just be lucky. They might not want to spend money on something like AAA travel insurance if they might not use it.

Very Important

However, it is very important to buy AAA travel insurance before you leave in your trip each time that you go somewhere. If you don t want to spend the money, and you don t get AAA travel insurance you might end up owing way more money than you spent on the trip in the first place. Even if you don t use the AAA travel insurance on your trip, there is no reason not to get it. The one time that you do use the AAA travel insurance is going to make up for all of the times that you bought it and didn t use it.

What Does It Cover

The reason that you should have AAA travel insurance is that it covers just about everything. For instance, you cause use your AAA travel insurance to make sure that if you get bumped from your flight you can get on another one, without having to pay for it. You can also use AAA travel insurance in case your hotel room isn t there when you arrive, or if your reservations have been lost. More importantly, AAA travel insurance is going to save you time and money by helping to protect you if you get robbed while you are on vacation, or if you lose something of value on your trip.

Veterinary Medicine Saves The Lives Of Many

Veterinary medicine is the professional field that provides care and medical attention to animals, whether they are domestic pets, exotic wildlife or any other type of animal that is in need on medical attention. The medical attention provided by a veterinarian may be preventative or emergent in nature.

The field of veterinary medicine provides quality care for animals, increased knowledge of animal life and an expanded appreciation of the ways in which animal life develops and adapts to the changing environments of our world. Veterinary medicine is vital to the continuation of the species as our world grows to include more people and animals everyday.

Veterinary medicine is very important in the ongoing care of animals. It is also very important in the acquisition of information on animal life. It is through the study of animals that we learn about each species and how it survives in this world. We also learn how man can adjust and adapt to life with animals. Prior to animals becoming domesticated, man had to learn to cohabitate with animals or become their food source.

Veterinary Medicine Has Definitely Changed With The Times

In the use of veterinary medicine developed to assist people in their efforts to live in a peaceful union with the animals and to provide a safe and healthy environment for everyone. The administering of veterinary medicine has been around as long as man has domesticated animals for pets and food sources. However, it is only in recent years that the veterinary medical field has expanded to include therapeutic techniques that are popular today.

Veterinary Medicine Provides Longevity Of Life For Pets

In recent years, people have begun to invest large amounts of money into the health and well being of their pets. In is not uncommon for someone to seek a veterinary medicine specialist that can provide emotional counseling for his or her pets. Some pet owners seek the dentistry field of veterinary medicine to provide dental cleaning, root canals, and tooth extractions. Still other pet owners willingly pay for hip replacements, insulin injections for diabetic pets and cataract removals. It is not uncommon to hear of someone spending thousands of dollars on veterinary medicine to save the life of their pet. To many, a pet dog or cat is the best friend that they have and they are willing to spend any amount of money to save the animal s life.