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Travel Insurance is an extra protection when you go on a holiday. Even though you may have your Life Insurance policy, Travel Insurance is designed to provide financial assistance in case of accidents when you are abroad. However, there are things that you should be aware of when you make a decision to purchase a plan. 1. Not all travel insurance policies are the same. Travel Insurance has become some common that many people would just go to their familiar agents or banks to buy one online quickly, thinking that all coverage are about the same. Well, the price seems to be similar but the coverage is not. Do check out the coverage details and make comparison before you made a purchase. 2. Same Insurance Company. Different Plans. Some insurance companies have several travel insurance plans, and each plan has various levels of protection. Apparently, travel agents, insurance agents and banks are free to choose the types of plans they want to sell to their clients. I have recently come across a case when a bank offers insurance plans with…

Many airlines offer passengers meal vouchers when there is a flight delay that caused you to miss a meal time. That’s what I got when I was told that my flight was delayed 4 hours (turned out to be 5). But it’s not a physical voucher. It’s my own boarding pass! Really? The catch is to use it on the air side, the restricted area after you passed through the immigration.  I was told that my Boarding Pass was a HK$75 vouchers and I could use it at any restaurants. In Hong Kong International Airport, HK$75 can’t really get you whatever you want. I wanted something simple, so I went to Tsui Wah, a pretty well known local casual restaurant, in the fast food area. There was a long line and I started to queue up. Then I spotted an Airport Staff standing around to assist the passengers. Just want to make sure, I told her my flight and showed her my boarding pass. Her immediate response was: “Is this a meal voucher?” and said that the restaurant wouldn’t accept…

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