January
25



Having a certificate or grading report with your diamond is very important because there are several things it will tell you about your stone. First of all, it lets you know that your diamond has been inspected and certified by one of the world known diamond laboratories. The diamond grading labs that you may find a certificate from are HRD, EGL, GIA, AGS, and IGI. These five labs ensure that all characteristics of your diamond such as the cut, carat, color, and clarity of the diamond are defined on the certificate they provide after inspecting the stone. That way you know what it is you’re buying. Sending a diamond to get certified by one of these institute cost money to the seller and will increase the price the seller asks for the stone but also the confidence of the buyer.

Three of these diamond grading labs, Gemological Institute of America (GIA), European Gemological Laboratory (EGL), and the American Gem Society (AGS) are very well known. Hoge Raad Voor Diamant (HRD) certificates are good, but they are only offered in Belgium. The International Gemological Institute (IGI) grades those diamonds that many say will sell for a lower price because their grading is “softer”.

Are all certifications equal?

The truth is that all certificates are not equal. However, there is one way in which they are the same and that is in the fact that you know you’re getting a genuine stone. Without a certification, you really have no idea whether or not you’re getting something that is real. The certificate also influences how much you pay for your diamond, so that means you need to decide what aspects of a diamond is most important to you. Fortunately, you have a certificate to help you figure those things out. 

In the United States, the certifications you are most likely going to see are from AGS and GIA. These are the most trusted sources because they are the two industry leaders. However, these diamonds will be more expensive than those by their competitors, so expect a lower price for IGI and EGL certified diamonds. You don’t have to worry so much about HRD, but if HRD were in the United States, you would expect to pay a pretty penny for diamonds with their certification. A high value diamond simply results in high quality ratings on its certificate. The certificate than gives credibility at the time the diamond is purchased. The certification also makes selling or trading your diamond a lot easier.

So, Which grading report is the best one?

The benefits are clear and the different diamond grading labs help you make an informed buying decision. However, they are not equal. The one that gets a lot of attention is GIA because it is non-profit and they have one location which makes the expert believe the grading is more strict and accurate. This is opposed to EGL, which has 9 locations worldwide. EGL is also not consistent in the quality of their grading. EGL and IGI are good and trusted labs and are more “forgiving” when grading a diamond, so the results are that the prices of EGL and IGI diamonds are lower when compared to GIA and AGS certified diamonds with equal characteristics.

Deciding which certified diamond to buy is really a matter of preference. Like the color, clarity and other characteristics of the diamond, you have to choose the certificate according to your needs. Do some reading and think how much the “quality” of the certificate is important to you. You have a range of options when choosing the color cut or clarity so don’t forget to explore your options when it comes to your certificate. Whatever you do, don’t get a non-certified diamond.

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January
25
insurance company

Whenever you plan to travel abroad, travel insurance, from one of the reputed travel insurance companies, needs to be considered for the trip. Traveling anywhere outside your country of citizenship is not without risks. An easy way to offset some of this risk is through travel insurance.

Travel insurance may include an accidental death and dismemberment policy, a policy for repatriation of the remains, or medical emergency and emergency medical evacuation while you are on a trip outside the United States.

Depending on where you are going for your trip, and why, additional coverage like foreign commercial liability, foreign automobile liability or foreign workers compensation and sickness policies might become necessary.

Make sure that you check with your doctor or contact your insurance professional in order to discuss the details of your trip, and figure out your insurance needs.

Travel insurance from most travel insurance companies can be arranged a long time, even months, before the actual trip, and consists of a range of insurance coverage services safeguarding you throughout your trip, before, during, and after. In truth, accidents, emergencies, and unforeseen events can happen anywhere, and to anyone. Travel insurance companies, and their policies give you the peace of mind of having protected your investment and your health, as well as your belongings. It

> Protects your investment if you have to cancel

> Provides emergency medical referral and assistance

> Reimburses unexpected expenses due to emergencies

> Protects you during the medical emergency

> Provides medical assistance abroad

> Provides emergency evacuation if necessary

The AAA Insurance Company, for example, provides insurance for the basic travel needs, along with many other services. While many other companies like Travel Guard, have plans that provide Primary Emergency Medical coverage, and Trip Interruption plans that refund the a large part of the cost of a one-way ticket or the non-refundable trip cost.

Travel Guard guarantees payment to the relevant medical facility and makes your admission easy, and also continues to cover your medical expenses for as long as one year after you return home.

If you have to seek medical treatment while you are on your trip, companies like Travelex will cover Emergency Medical & Emergency Medical Evacuation / Repatriation. Advance payment is generally made to the Hospital if it is needed to secure admission.

In addition, some policies may cover the cost of delayed flights and lost luggage, and evacuating the person to the nearest adequate medical facility, or a hospital of choice, if necessary.

The Emergency Medical coverage usually ends, however, as soon as you reach your home, especially if you have been returned under the Emergency Medical Transportation/Evacuation coverage

The plans from travel insurance companies like Travel Safe cover the losses incurred due to family members not scheduled to travel with you, up to a maximum of six people per cancellation / interruption claim due to an accident or sickness of just one person in the party.

Several insurance companies offer stand-alone medical evacuation insurance. The costs range from $69 to $109 a trip at Travel Guard to Access America’s annual policies beginning at $190 per person.

Travel insurance companies like Medjet Assist specialize in medical evacuations and offer a range of membership options. These may vary from seven-day coverage, at $85 a person, to a year’s coverage at $225 a person. Most also have slightly cheaper package options for families.

Travel insurance companies, like Travel Guard, may also cover some pre-existing conditions as long as the policy is bought within 15 days of the trip booking.

For more Travel Health Insurance information visit href=”http://www.travelchecklist.info”>TravelCheckList.info and checkout the Travel Insruance Comanies page. Will is the developer of TravelCheckList a website devoted to all things pertaining to travel.

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