Sunday, September 18, 2005

Creative Funding from one Adventure Traveler

A while back, I received a query from a reader named Tony, who casually mentioned that he is funding his travels by volunteering as a medical research subject. That caught my attention, and I wrote back to him asking for more information. Here is his reply [editor]:

Hiya Kim!

Well, I just heard about medical trials as an urban myth when I was a student - there's always some stoner telling you of a mystical hosptial that'll give you ten grand for letting them cut your big toe off and sow it back on again!

I figured there must be a grain of truth in it somewhere so I started to have a look around on the net etc. Eventually I bought a book from Biotrax (www.biotrax.co.uk) which listed all the hospitals that do medical trials all over the world!

I rang a few up and that was that. To do trials you have to be fairly healthy, and a none smoker though I know plenty of people who quit smoking just for the length of the trial! They sometimes require people with asthma or other minor conditions, but most trials are carried out on healthy volunteers to evaluate side effects of new medicines.

Sound scary? Terrifying? I was phobic about needles before I started out, and did my first trial for three days to get over it. A few 'sharp scratches' later I pocketed £450. Sweet! I'd been testing a new drug to combat high cholesterol. I'd experienced no side effects, spent a few days playing pool and waching sky tv, and I'd even lowered my cholesterol a few points!

The trials are almost entirely full of backpackers, mostly Ozzies, Kiwis and South Africans, male and female. They pay at least £100 per day, usually a little more. Sometimes they even reimburse travel expenses! You get a (hospital) bed, (hospital) food - not always the greatest, especially when you've got a specifically restricted diet for the study - and free time to chill out.

There are medical procedures going on all the time - maybe a blood test in the morning, blood pressure later on and the occasional ECG. Most of the time though is just time to kill. Typically the hospitals have a large TV lounge with Sky, a computer room with free internet access, a good selection of games, dvd's, the odd playstation knocking around.. some of the better ones have pool tables!

Personaly I always take a sack full of books, all those ones I kept telling myself I'd read but could never get around to in normal life. This time I een borrowed my sister's laptop and wrote nearly 20,000 words of my first travel book!

Personally I've never experienced a single side effect in 5 trials. I've tested drugs for diabetes, various digestive tract things and some anti-depressents. I've known a few people to complain of the odd headache, or very occasionally someone will feel sick for a few days - nothing more. These drugs just need so many hours of human testing before they meet their quota for approval and permission to sell, they just fire through as many volunteers as they can get their hands on, often knowing full well exactly what side effects will or will not manifest themselves. As I said, I've never had any trouble - a positive mental attitude never hurt though!

Sometimes trials come in big blocks of days, 10 or 20 at a time staying in the hospital. Some are outpatients trials, where you visit once or several times a week, sometimes staying overnight for a day or two. Pay is rated accordingly - the best payers are the long blocks of days inside, which are also (for me) the least hassle - forget all that coming and going, trying to keep a job up on the outside at the same time! In January last year I did a 20 day study, and with the £2360 (tax free) I did a Carriean cruise and spent the summer in Ecuador volunteering in an animal refuge. Then went to the states for a brief holiday!

I love the chill-out time. Sure, by the end of a lng trial everyone's getting a bit stir-crazy, we start fantasizing about MacDonalds, the wind, beer...

But then I get out, take the cash, and bugger off somewhere nice for a good few months! I've met al kinds of interesting characters on trials, largely because they're all travelling types. I've got jobs, travel tips, I'm even contemplating going on holiday to the timeshare of one guy I met in here last week. Except that I've already bought my ticket to Koh Samui... and paid for my Divemaster... and left enough over to live on for the 3 months I'm there. All thanks to this medical trial.

Sweet!

The best hospital I've found for trials so far is Parexel in London (most of em are in London, with a few in Manchester, South Wales and Edinburgh. Not to mention France, Switzerland and the USA!) Parexel - www.drugtrial.co.uk Richmond Pharmacology - www.trials4us.co.uk I've got loads of contacts, websites and phone numbers. I can send you 'em if you want - just as soon as I get out of hospital myself!!

Sunday, September 11, 2005

Hurricanes Are Here to Stay - Travel Insurance Can Help, Once You Understand What Is Offered

NEW YORK, Sept. 7, 2005 -- Hurricanes such as Katrina this year, and Jeanne, Frances and Ivan in 2004, can totally disrupt your travel plans. Bad weather not only impacts popular destinations such as Florida and the Caribbean but can affect travels worldwide as we saw during last year's Asian earthquake and tsunami. And let's face it - hurricanes are not going away.

When shopping for travel insurance, you must be aware of coverage offered under the inclement weather clause. If you live in a hurricane prone area such as the Gulf Coast states - Alabama, Florida, Louisiana, Mississippi, and Texas - you need to make sure that the policy you are buying includes coverage if your home becomes uninhabitable due to flooding. Note that bad weather impacts all coastal states including South Carolina, North Carolina, California and Hawaii. If you are traveling to a hurricane prone area, you must also make sure that your hotel or vacation rental property will be covered in case of a weather related emergency.

Although you can purchase a trip cancellation plan within 24 hours of your departure, when it comes to hurricanes, it is important to know that in order to be covered you need to purchase insurance before a hurricane is named. Recently, Hurricanes Maria and Nate were named. All policies purchased after a hurricane is named will exclude coverage for weather related damage as a result of the hurricane.

There are eight weather-related insurance clauses described on our web-site:
http://www.totaltravelinsurance.com/hurricane.asp .
Total Travel Insurance (http://www.totaltravelinsurance.com)
is a useful website where you can read policy details of over 100 insurance plans. Total Travel Insurance is the only comparative website that allows you to compare prices from all major travel insurance companies and at the same time lets the traveler know if you will be covered in case of bad weather such as a hurricane or a snow storm before buying.

Information about all major travel insurance companies can be found here:
http://www.totaltravelinsurance.com/travel-insurance-company-list.asp .

About Total Travel Insurance
Total Travel Insurance is a New York-based travel insurance agency. We are licensed to sell travel insurance, flight accident, life insurance, evacuation and health insurance products.

CONTACT:
Alex Velinov
Total Travel Insurance
45 Park Terrace W, Ste 3-G
New York, NY 10034
Toll Free: (866) 226-7500
Fax: (240) 363-8438
Web site: http://www.totaltravelinsurance.com
Email: info@totaltravelinsurance.com

Thursday, September 01, 2005

What you didn't know about hurricanes and travel insurance

St Pete Beach, FL, Aug 29 2005 - As hurricane Katrina bears down on New Orleans, a little known clause in most travel insurance policies could really make a difference, but only if you know you are eligible to make a claim:

Most travel insurance policies have a clause allowing the insured traveler to return home if their home is rendered uninhabitable.

One insurance agent (http://www.squaremouth.com) routinely checks through its database during severe weather events for customers who live within the affected area but have already left on vacation. They then contact the traveler, letting them know they can return home and make a claim.

Chris Harvey, President of squaremouth.com says "We are based in St Pete Beach in Tampa Bay, Florida, so we are acutely aware of the issues surrounding the potential damage to your home from hurricanes. If you are on vacation and your home is damaged we know you will most likely return home immediately. We also know you probably will not make a claim for the return flight or the unused portion of your vacation because you may not realize you can. If you are insured through us and you live in an affected area, we will contact you as soon as possible to let you know you can claim, so there is one less thing to worry about."

Other facts about how hurricanes and severe weather impact travel
insurance:

1 - You can claim if your flight is cancelled because you are either traveling to or traveling from an area affected by the hurricane.

2 - You can claim if you are in an area that is under a mandatory evacuation and you have to leave for a few days.

3 - You can claim if you are in an area that is under a mandatory evacuation order and you have to either cut short or extend your vacation.

4 - You can claim if your home was rendered uninhabitable by the storm.

5 - You cannot make a claim if the hurricane or storm was named BEFORE you purchased insurance.

This is an important part of any type of insurance and is referred to as a "named event". Chris Harvey explains: "A named event clause exists within most policies to protect the insurance companies by stopping people buying insurance when they know something bad may happen. As soon as a tropical depression becomes a tropical storm and gets a name, insurance companies will not provide coverage. This clause is also relevant for other events like terrorism and airline strikes"

http://www.squaremouth.com is a website that specializes in comparing all the major travel insurance plans. The site has unique research capabilities as well as providing instant quotes, coverage and immediate confirmation.

For more information contact Chris Harvey at (727) 490-5802 or charvey@squaremouth.com or visit http://www.quotetravelinsurance.com.

CONTACT:
Chris Harvey
squaremouth.com
Toll Free (800) 240-0369
charvey@squaremouth.com
http://www.squaremouth.com
http://www.quotetravelinsurance.com