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There are many vendors who would try and convince you that going abroad without traveler's insurance is downright foolish. However, most people going on vacation have already invested enough in their travel costs that they generally overlook extra costs they consider frivolous, at best.

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Understanding Travel Insurance

Travel Insurance is important to understand, since like health insurance coverage, the customer may be refused coverage. Many insurance companies will offer a surplus of coverage for individuals and families. The company will consider few aspects of the policyholder, by reviewing the risk factors involved. If the policyholder is a high-risk the company may cover the holder, but the premiums will be higher than standard in most instances. Travel Insurance on the other hand, can refuse customers if they pose a high-risk.

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Hello from New York City A Local Expert Takes Us Through Queens

Yesterday was a pretty interesting day, the weather was cool and overcast, with rain coming in during the latter part of the afternoon. A few weeks ago I had booked a meeting with one of the Big Apple Greeters, an organization of local NYC volunteers that takes out-of-town visitors around the city and shows them local sights and shares local information. The service is a great way to link up with a local New Yorker, and best of all, it's free of charge.We were supposed to meet Suzanne, our greeter, at 11:00 am at the 71st Street subway station, but we got a late start after breakfast and there were some delays on the subway system, so we didn't meet Suzanne until 11:50 am.

Suzanne is a former highschool teacher, in her sixties, and a very friendly and outgoing individual. We felt bad about being late, but she said it wasn't a problem at all. She was extremely gracious and helpful throughout our entire time with her.

Suzanne started the tour by taking us through a very upscale Queens neighbourhood called Forest Hill Gardens, which is a neighbourhood with private streets where local residents pay higher than normal taxes for additional services, such as more frequent garbage pickup etc. Suzanne indicated that these homes go from anywhere from US$ 1 million and up. Everything was blooming and many local handymen, gardners and maids were on the road. We also had a chance to visit the old US Open Tennis Center which is located in an amphitheatre right next to the Forest Hill Country Club.On from there we took a bus to the Flushing neighbourhood, an area with lots of Chinese and Korean stores, where Suzanne treated us to same savory Chinese dumplings. All the time she explained to us the multicultural character of Queens, and that one of the main subway trains (the 7 train) is called "The International Express" because it cuts through all sorts of ethnic neighbourhoods.

A quick jump onto this very subway later, which runs on elevated tracks through a good chunk of Queens, so you can actually see the neighbourhood, and we arrived in Jackson Heights, an area with a lot of Latin American immigrants and further west we saw lots of South Asian (Indian, Pakistani and Bangladeshi) stores. For a Torontonian seeing all these ethnic stores is not all that unusual, since we have a lot of that in Toronto too, but I am sure these ethnic neighbourhoods must be quite unusual and unique for people who come from smaller less international places.We then took the 47 and 19 Queens bus to a neighbourhood called Astoria, where a lot of Greek immigrants congregate. We ended up having dinner in a little quaint and cosy Greek restaurant called Zygos Restaurant ("zygos" means "libra" or "balance") where we continued our nice conversation with Suzanne, our local expert.

Suzanne has been a greeter for the last 12 years and has studied all areas of New York City. She said she travels, by herself, into all areas of NYC, including Harlem and the Bronx, and she loves exploring and sharing the city that she loves with people from all over the world.When we left at about a quarter to 7 pm, Suzanne had spent more than 7 hours with us and we had really gotten to know each other quite well on a personal level. We also we ended up exchanging email addresses and we extended mutual invitations to stay in touch and I said I'd love to take her around whenever she comes to the Toronto area.

The Greeter experience has been excellent, our personal local expert really loves her city and she loves interacting with visitors and we definitely enjoyed her enthusiasm. I am sure we have a new friend to call up next time we come to New York City.

.Susanne Pacher is the publisher of a website called Travel and Transitions(http://www.travelandtransitions.com).

Travel and Transitions deals with unconventional travel and is chock full of advice, tips, real life travel experiences, interviews with travellers and travel experts, insights and reflections, cross-cultural issues, contests and many other features. You will also find stories about life and the transitions that we face as we go through our own personal life-long journeys.Submit your own travel stories in our first travel story contest(http://www.travelandtransitions.

com/contests.htm) and have a chance to win an amazing adventure cruise on the Amazon River."Life is a Journey Explore New Horizons".The interview with photos is published at Travel and Transitions - Interviews.

By: Susanne Pacher

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