6 Ways to Know if Travel Insurance is Right for You

travel insurance tipsWhen is the last time you took some much-needed time off? As vacations become more of a luxury than a regular occurrence, you’ll probably find yourself spending more money than you used to in order to truly relax and get away. So in order to protect these valuable experiences, we at Protect Your Bubble offer travel insurance starting at $14 per day and plans that cover trip emergencies, cancellations and interruptions.

 

When considering travel insurance, you should ask yourself these 6 questions to determine whether you’re a good candidate before you purchase:

 

1.       Does my trip cost more than $500 per person?

 

2.       Am I traveling to an area where illness/injury is possible?

 

3.       Would it be financially concerning if I had to forfeit my entire investment if something were to go wrong or be cancelled?

 

4.       Will work/life obligations or emergencies prevent me from traveling?

 

5.       Are there cancellation restrictions with airline, hotel, cruise, etc?

 

6.       Would I enjoy the travel planning experience more if I had peace of mind?  

 

If you responded yes to any of these questions, then it’s likely you are a prime candidate for travel insurance. Again, we offer travel protection starting at $14 per trip. Come get a quick quote! Then just make sure you put the technology away, and have some fun with your friends or loved ones so that you can truly enjoy your time off.

 

Photo via Lecates on Flickr  

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3 Things You Want To Know Before Purchasing A Warranty For Your iPhone

Broken iphone - warranty and insurance considerations before you buyEveryone feels that rush of pride when they pull the wrap off their brand new shiny iPhone. Although you’d do anything to avoid it, you know it’s going to get take a few lumps from daily life, and a few dings, scratches, and slow-loading apps are inevitable. If you’re one of the many owners out there who is considering getting a little extra protection for your treasured Apple device, here are 3 quick facts you should keep in mind while shopping for an iPhone warranty:

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Looking for the Best Renter’s Insurance policy? Our Doors Are Open!

On behalf of the Protect Your Bubble team, we’re proud to announce that we are now offering Renter’s Insurance to renters and tenants all across the U.S.

 

Whether you’re in an apartment, dorm, single family home or condo, it’s smart to understand your options and the many benefits that renters insurance provides you. We can tell you that people decide to get a policy for a variety of reasons:

 

  1. Coverage for personal belongings
  2. Emergency back-up expenses in case the rental unit is deemed unlivable due to damage
  3. Liability coverage in case someone gets injured on the premises
  4. Renter’s insurance is 1 of 4 insurance policies promoted by financial guru Dave Ramsey
  5. Many feel that the up-front investment is affordable for the return and security it provides
  6. Many landlords require their tenants purchase renter’s insurance
  7. Fire, theft, wind, smoke, vandalism and personal liability are covered

5 Reasons to Get Renter’s Insurance From Protect Your Bubble

Protect Your Bubble is a different kind of insurance brand. We’re a lifestyle company, which means that we also offer smartphone insurance, pet insurance, travel insurance, rental car insurance, and extended warranties for your home appliances and electronics. We ditch the legal speak so that you can get simple coverage for the important things in your life. 5 reasons to select us for your insurance needs include:

 

  1. We’re part of a Forbes Fortune 500 company
  2. We offer flexible, affordable policies for every budget
  3. Our efficient, responsive claims team is available 24/7
  4. Our claims team has been in the business for over 20 years, so we’ve just about seen it all
  5. We build in unique discounts for many things you already have: smoke alarms, burglar alarms, deadbolts, Internet purchase discount and more

Did you know that you can cover as little as $10k in personal property  with Protect Your Bubble’s Renter’s Insurance? This is especially useful if you live in a dorm or small apartment and you don’t have a lot of personal stuff anyway.  This is just another example of how we work hard to deliver affordable prices to you.

Additional Renter’s and Tenant’s Insurance Resources

Don’t forget to do your homework. Check out these resources for more information:

 

f you’re researching renter’s insurance, we’d love for you to consider us at Protect Your Bubble. Check out our Renter’s Insurance features and benefits. As always, let us know if you have any questions.

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The Top 5 Tips for Cruise Ship Safety

Cruise disaster and tips to avoid catastrophe on your next cruise vacationWith a recent cruise disaster on everyone’s minds, you might be more apt to cross your “t’s” and dot your “i’s” when preparing for your next cruise vacation. We don’t blame you. Vacationing on the water is quite a different experience and there are many considerations you’ll want to keep in mind. By following these five cruise safety tips, your next water-logged vacation will be free of mishaps.

 

  1. Don’t Float with a Failure:  Each cruise ship is inspected for cleanliness, safety, water filtration, pest control and so much more. Every area of the ship is graded according to the requirements of the Vessel Sanitation Program of the Center for Disease Control and Prevention. Research your choices by contacting the department for the “report cards” for each company to see where they stand on the important issues of cruise ship safety.
  2. Safe and Secure:  To help insure the safety of the passengers’ valuables, cruise lines provide space in the onboard vault for those special items you wish to store. Passports, return tickets, and jewelry should all be kept in the cruise safe, not in the one provided in your rooms. Storing items in your cabin safe can be as unsecure as leaving them sitting on the table.
  3. Copy that: Make two copies of all important documents like passports, driver’s license and credit cards and leave one copy with a trusted friend on land. The other copy should be kept in a separate, secure place and the original documents should be in the cruise safe. This will ensure that you always have the valuable information available.
  4. Negotiations: Land excursions can be risky so prepare in advance for the potential pitfalls of adventures on foreign soil. You can join the planned adventures that the cruise line offers which are more expensive but also more secure. If you decide to venture on land alone, be on guard and make sure to determine prices for everything in advance, especially cab fare. The last thing you want is to take a cab somewhere you don’t know and argue with the cabbie over the fare because you didn’t determine the price beforehand.
  5. Consider Cruise Insurance: Having the right cruise insurance can be hugely beneficial for safety. Travel insurance can help travelers with a long list of issues including medical expenses and lost baggage. For prices as low as $14 for a single trip, we at Protect Your Bubble can insure travelers for numerous unexpected cruise safety issues. Protect Your Bubble provides coverage for medical, dental, and ID theft related emergencies.  We also provide assistance and compensation in the event of travel delays, missed connections, and lost or delayed baggage.  Our 24/7 concierge and emergency assistance team is ready to help when you need us.

Vacations are special events that many of us don’t take as often as we should. So make time to do the prep work. By protecting yourself during these rare moments of relaxation with the tips above, you can help keep the stress away with the ocean breeze in your hair, the sunset at your back and a frosty beverage in hand.

 

Photo source credit: Houston Chronicle

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5 Tips On Getting The Most Affordable Rental Car Insurance

Affordable rental car insurance If you’ve carefully reviewed your auto insurance package and determined that you need a little extra coverage while driving a rental, take heart—you don’t have to settle for the $40 a day the rental agency is quoting you. Here are 5 quick tips to keep in mind while choosing your temporary insurance policy:

 

1.     Only Get The Coverage Lacking In Your Personal Car Insurance

It’s a financially savvy decision to purchase and drive a paid-for used vehicle. This allows you to avoid both a monthly car bill and a pricier monthly insurance premium. However, you’re going to need full coverage when driving a rental, so be prepared to temporarily pay a little more. Keep in mind though that you  don’t need to double up on anything—just look for the weak spots in your own policy, and fill them in with a little extra insurance for the duration of the car rental.

 

2.     Buy From A 3rd Party Insurer Online, Not From The Rental Company

While rental coverage is a good idea, you don’t have to grudgingly accept the pricey policy that the rental car agency will offer you. There are a number of companies online that can offer you great collision coverage for a fraction of the price that you’ll pay at the pickup counter, so it’s worth shopping around a bit.

 

3.     Choose The Model Of Your Rental Car Wisely

While you may have never seen yourself behind the wheel of a 2 door Geo, it’s always a good idea to rent for practicality and not comfort, especially if it’s only for a few days. Not only will you run a lower liability risk with a smaller vehicle, you’ll save a few dollars a day on your insurance rate.

 

4.     Consider Getting A Non-Owner Liability Policy

This is mainly useful for those who travel on a frequent basis and don’t use a vehicle at home, but this can insure you for multiple rentals at a time, and can ultimately save you money over an individual policy for each rental car.

 

5.     Plan Ahead For Your Insurance Needs And Stick To Your Guns

If you don’t have the time to select a cheaper policy online, you can still go into the rental car agency with a firm sense of purpose on exactly what you’re willing to pay for. If you have liability and personal injury coverage through your regular insurance, you’re probably just going to need the collision and theft protection policy, which will cut your bill in half. The car company will obviously try to persuade you otherwise—and it can be very easy to check a couple extra boxes on your rental form. So make sure you’re firm on what you want, and double check everything before you sign.

 

If you have any questions about car rental insurance, let us know, let us know. FYI you can get a policy for $7.99 a day, and have it in place before you ever put the keys in your rental.

 

Photo via Images of Money on Flickr

 

 

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Are you Considering Insuring Your iPhone 5? Weighing the Pros and Cons

Everyone wants their gadgets to stay new and perfect. Whether you’re the kind of technophile who upgrades their phone every year, or someone who’s looking to get  the most mileage you can out of your iPhone 5, we all want our stuff to be unscathed for as long as possible. Some people swear by extended warranties and insurance programs for their gadgets, while others scoff at the extra money spent on a disaster that they vow will never happen to them. Starting with the skeptics first, here are 2 reasons some people give against getting a little extra protection for your new iPhone:

 

1.     You’ll Pay Extra For A Service You May Never Use

This is the truth about any insurance policy—you want to have it, yet you hope you never have to use it. And between home, health, and vehicle insurance, you may feel that you’re already overloaded on contingency plans, and you may want to just risk paying $400-600 for a new phone entirely if yours becomes inoperable.

 

2.     You Upgrade Your Phone Every Year

If you’re absolutely in love with smartphone culture, and you have to have the newest gadget on the block as soon as it comes out, then you’ve already committed to spending a considerable amount of money each year as each new upgrade hits the market. So you probably don’t need to insure something that you’re planning on replacing in a short while.

 

The Pros to Getting iPhone 5 insurance

Now if you’re like most of us, and you’re planning on keeping your iPhone 5 around for at least 2 years, then here are 4 reasons why you should strongly consider getting some insurance:

 

1.     You’ll Always Have An iPhone At Hand

If you’re not one of the lucky few who can spend $600 without blinking for a new phone, then some supplemental insurance is the cheapest way to replace your beloved Apple device. If yours breaks, the right policy will get you a replacement as soon as your claim is approved.

 

2.     You’ll Be Protected Against The Real Threats To Your iPhone

Hardware and manufacturing defects will always crop up once in a great while. But the real concerns your iPhone will face are the daily threats: spilled beverages, a fall from the kitchen table, an individual who has no problem “adopting” your phone from your table at Starbucks when you’re not looking, etc. An insurance policy from a good company will protect you from these things, and keep you from spending most of a month’s rent on a replacement phone.

 

3.     Your Monthly Budget Will Be Healthier

Again, if you don’t have extra cash lying around, you’re going to be dreading that repair bill if your iPhone gets knocked into the standing water in your kitchen sink or tumbles down a flight of stairs. So you may try to save a little on the side and put it in a sort of “catastrophe” fund, the same resource that’s meant for your car repairs, impromptu crown replacements, or anything else that’s unexpected, painful, and costly.

The problem with that plan is that it’s harder to set aside $600 and leave it there than it is to spend a few dollars a month on an insurance premium. If you truly want to protect your iPhone, you can’t spend that catastrophe money anyway, so you’re better off dedicating a much smaller amount each month towards something that will pay off if you ever need it to.

 

4.     You’ll Be Able To Use Your Phone Without Fear

Your perfectly natural desire to keep your iPhone in working order can actually prevent you from getting the most out of what your device offers. If you’re more concerned with keeping it away from pickpockets or coffee spills, you’ll never relax and make it second nature to whip out your iPhone when you need it. And if you’ve purchased one for your kid or teenager, you may be dreading the day when they come home with a sheepish grin and a pile of gleaming parts that used to be their birthday present. An insurance policy will keep you from tearing your hair out with worry.

 

If you’ve realized how much you can save with a little extra protection, check out our iPhone 5 insurance protection today. For the cost of a fast food value meal each month, you can protect your iPhone 5 from all the hazards out there, and guarantee yourself that a replacement is always within reach.

 

 

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Presidents Day Weekend Getaway Ideas

 

President’s Day is a great three-day weekend and with it being the off-season in the U.S. chances are there are great deals to be had for those who want to enjoy a long weekend away.  The beach, skiing and cities are all available so pack a bag and hit the road.  Protect Your Bubble, travel insurance brand, has a list of some great places to consider for this long weekend.

 

  • Mexico’s Riviera Maya – The beach in February may sound as foreign as ice-skating in July, but the Riviera Maya is only 35 minutes from the Cancun airport.  Forty-one private villas with thatched roofs await.  Full service spa, cabana beachfront entice visitors as well.  The Sol y Mar package has a great discount on the room and spa services, so consider booking that.

 

  • Telluride Ski Resort – Winter equals ski time for many and Telluride is one of the most panache of them all.  Since it is not peak-season, expect to save big on hotel rooms, including the Hotel Telluride.  Fifty-nine rooms with balcony or patio, view of the San Juan Mountains are breathtaking.  Yoga, fitness center, ski storage and a small spa lack only some snow, but in February, that should not be a problem.

 

  • South Beach Hotel – Miami Beach is always hot, even in the winter.  The Mondrian South Beach hotel has plenty for adults: tubs shaped as clouds, giant lamps, red-carpet pool lounge and the restaurant is filled with hipsters each night.

 

  • Beverly Hills Newcomer – The Mr. C Beverly Hills Hotel has the West Coast first Cipriani restaurant, retro rooms the ooze glam with balconies that overlook posh Beverly Hills.  The pool deck is solid teak with bar and cabanas.  Three or more nights means 25 percent off room rates.

 

  • Contemporary New York City Hotel – The Smyth TriBeCa is an excellent winter city break destination.  One-hundred rooms adored by celebrities, lobby bar with vintage accents and the happening brasserie Plein Sud.  Book four or more nights and save 15 percent.

 

When planning your travel, remember that vacation insurance is a great way to cover trip emergencies, cancelations and interruptions. Protect Your Bubble travel protection gives travelers peace of mind, starting at $14 per trip.  Visit www.protectyourbubble.com for a quick quote.

 

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