St. PETERSBURG, Fla. January 23, 2019 — Amid growing concerns over extreme weather and the government shutdown affecting travel, many travelers are relying on travel insurance to protect their trip investments. According to Squaremouth data, the number of travelers insuring their trips is at an all-time high, increasing by 24% over last year. As travelers plan their trips for the year ahead, Squaremouth shares their guide to finding the best travel insurance in 2019. Purchase Policies EarlyOne of the most common mistakes made by travelers is purchasing travel insurance too late. Travel insurance only pays Trip Cancellation or Trip Interruption benefit claims on policies purchased before a covered event takes place, such as bad weather or illness, so it is key to purchase a policy early in order to get the most out of these benefits. Buying early also increases your chance of being eligible for certain time-sensitive coverages, including the popular Pre-Existing Condition and Cancel For Any Reason benefits. Compare Coverage OptionsTravelers who are offered a policy through their cruise line, airline, or credit card should always compare it with other policies on the market to make sure they are getting the coverage they need at the lowest cost. Coverage from a travel supplier can be similar to that of a third-party provider in terms of cost, but may have limited coverage and fewer benefits. The best way for travelers to find the most comprehensive policy that fits their needs is by shopping around and using a third-party comparison site, such as Squaremouth.com, to compare premiums and coverages. Pick The Least Expensive PolicyA higher price tag doesn’t necessarily mean better service or better benefits when it comes to travel insurance. When shopping for a policy, travelers should first decide how much coverage they need for their trip, and then select the least expensive policy that meets their specific needs. For example, there’s typically no need to spend more for a policy with $1 million in Medical Evacuation coverage. In most cases, $100,000 is more than sufficient for your destination. Insure Only Non-refundable CostsTravelers insuring the cost of a trip can expect to spend an average of 7% of their trip cost on a policy, so it is important to remember: the lower the trip cost, the lower the premium. Travelers should only insure costs they would lose if they are unable to travel, such as airfare and hotel costs. For example, if a hotel requires travelers to pay a $200 penalty to cancel a reservation, they should insure just that amount, rather than the full cost of the hotel. Consider An Annual PolicyTravelers planning to take more than two trips in 2019 could save money by choosing an annual travel insurance policy instead of insuring each trip separately. Annual policies typically only provide Emergency Medical and Medical Evacuation coverage and come with additional restrictions, such as the length of the longest trip and the number of trips allowed within the coverage period. Therefore, travelers looking for Trip Cancellation coverage or taking trips longer than the specified maximums on the policy would want to opt for a Single Trip Policy. ABOUT SQUAREMOUTHSQUAREMOUTH compares travel insurance policies from every major travel insurance provider in the United States. Using Squaremouth’s comparison engine and third-party customer reviews, travelers can research and compare travel insurance policies side-by-side. More information can be found at www.squaremouth.com
Library professionals from New Brunswick, Nova Scotia, Prince Edward Island and Newfoundland are gathering to celebrate achievements and share ways to advance life-long learning. Acadia University in Wolfville is hosting the Atlantic Provinces Library Association annual conference from today, May 22 to Friday, May 25. The theme for this year’s conference is Discovering Hidden Treasures. Speakers and delegates will share stories and best practices with sessions on technology, advocacy, people, spaces and library collections. There will also be author readings and panels. “This conference is an excellent opportunity to celebrate the professional library community while sharing and collaborating on new and innovative ways for our four provinces to work together towards advancing life-long learning in the Atlantic region,” said David Wilson, Minister of Communities, Culture and Heritage. Bill Greenlaw, executive director of the department’s archives, museums and libraries division, is today’s keynote speaker. He will present on the developments of the department’s new division that includes the Nova Scotia provincial libraries, museums and archives. “I look forward to showcasing the great work our libraries are doing around collaboration and innovation and being able to discuss the importance of libraries and archives with the regional delegates,” said Mr. Greenlaw. “The association is poised to shed light on the many ways libraries serve real people with real needs,” said Atlantic Provinces Library Association president Jocelyne Thompson. “So much of the excitement around the conference involves sharing our knowledge and bringing ideas that will enable us to better serve our users back in our own communities.” Atlantic Provinces Library Association is one of the oldest library organizations in North America. Its mandate is to promote library and information service, serve regional library interests and co-operate with other library associations and organizations. For a schedule of conference events and information on the association, visit www.APLA.ca .