RE/MAX 440
John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

Four Mistakes That Could Make Your Cruise Travel Insurance Worthless

February 9, 2018 1:51 am

Heading out on a cruise this year? How exciting! Booked travel insurance just in case? Good on you! However, it's important to pay mind to the fine print of your travel insurance so you don't end up with a void claim. Squaremouth offers the following insights:

Mistake No. 1: Waiting Until There's Bad Weather to Get Travel Insurance

Travel insurance only covers unexpected situations; once a hurricane or winter storm has been given a name, it's too late for travel insurance.

Expert Tip: While travel insurance can be bought up until the day before you leave for your trip, make sure to get your policy early if you're worried about future weather issues, before a hurricane or winter storm is named.

Mistake No. 2: Drinking Alcohol and Assuming Your Medical Emergencies are Covered
Travel insurance can cover expensive cruise ship medical costs unless the traveler is intoxicated. This is a common exclusion in most policies.

Expert Tip: Travel insurance providers will not always know if travelers were drinking alcohol at the time of an injury or illness, however, providers will require documentation during the claims process, such as medical records or a police report.

Mistake No. 3: Assuming Your Medical Emergencies are Covered During All Shore Excursions
Travel insurance covers medical emergencies whether travelers are on the cruise ship or on land, including shore excursions. Some travelers may be aware that there are exclusions on dangerous activities such as bungee jumping or skydiving, but many travelers may not realize that a policy may exclude lower impact activities like kayaking or riding in a hot air balloon.

Expert Tip: Look at the policy detail for each shore excursion you plan to participate in while on your cruise before you buy the policy. If the policy excludes the activity, choose another policy or consider getting the Hazardous Sports upgrade.

Mistake No. 4: Arriving to Your Port of Departure Early and Assuming You're Covered
Travelers may want to spend a few days at their Port of Departure before their cruise begins. Many travelers may assume they only need to get a policy for their cruise, but travel insurance is designed to cover travelers from doorstep to doorstep and does not allow coverage for only a portion of a trip.

Expert Tip: Make sure to enter the date that you leave your home and the date you return home when getting a travel insurance quote. If your travel dates change, you can call your provider and have them update your travel dates. This modification to your policy can be made up until the day before you leave for your trip.

Consider a 'Catch-All' Coverage
If the possibility of cancelling a vacation is the traveler's top concern, the only way to be sure they'll get a portion of their money back is with the upgraded Cancel For Any Reason coverage. This upgrade refunds travelers 75 percent of their costs if they cancel for a reason not listed in their policy, as long as they insure all of their trip costs and cancel at least two days before they're scheduled to leave.

Source: Squaremouth

Published with permission from RISMedia.


Which Building and Design Trends Will Impact Your Home in 2018?

February 8, 2018 1:48 am

The International Builders' Show (IBS), held January 9 - 11 in Orlando, Fla. during national Design & Construction Week, is a meeting of minds for building and design trends. This year, the folks at were quick to blog about the cultural shift they saw toward mindfulness and creating a home sanctuary - especially evident in bathroom designs as well as outdoor living spaces.

Managing editor Kriss Swint noted the increasing prevalence of blues and greens being used in these spaces create a feeling of calm, serenity and escape. also pointed out the continuing expansion of Scandinavian design influence - sleek, simple and clean lines built on the principles of affordability, simplicity, and functionality that Swint and company expect will continue to dominate every facet of interior and exterior design in 2018.

Rexy Legaspi at observed that major strides in technology like smart locks and smart vent hoods were a few of the tools that were unveiled at IBS 2018. Legaspi also said “personal assistant” technology like Siri and Alexa are expected to evolve to even more advanced and sophisticated functionality.

Legaspi said multi-generational homes and aging-in-place designs are expected to increase in popularity in 2018. He learned about one 5,188-square-foot, seven-bedroom reNEWable Living Home in Arizona that incorporates an urban-inspired loft for a young adult, a first-floor in-law suite, a tech-savvy space for a teenager, and an amazing master suite that overlooks the home’s pool.

In that model home, shared social spaces include a Great Room, kitchen, outdoor living space, a game room, and pool area. The home’s two-story floor plan allows family members their desired private space/retreats and at the same time provides comfortable, homey areas where they can relax and enjoy each other’s company.
Besides widespread European influences, the American Architectural Manufacturers Association (AAMA) noticed many more exhibitors promoting hurricane impact products this year, along with large multi-slide doors that are offering even more colors and directing more emphasis to outdoor living spaces.

Stay tuned for more evolving information on design trends.

Published with permission from RISMedia.