Page 6 - AAA Shelby County – AAA Now! – March/April 2017

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Money Matters
When Traveling
A Spending Strategy for Traveling Abroad
free to find yourself
TripAssist travel insurance can free you up
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how you’ll access those funds while traveling? Don’t let international payment modes catch you off-guard; use these tips to pack your wallet as carefully as you pack your suitcase.
Credit card: Travelers tend to rely on their credit cards for travel expenses because most vendors accept major credit cards. The exchange rate charged may be better as the market fluctuates, but most credit cards charge a foreign transaction fee as high as 3 percent, so check your accounts to find the best offer. This is a safe solution for major purchases like hotels and restaurants.
Cash: Even in today’s electronic world, you’ll need cash for outlets that don’t take plastic. The “chip and PIN” technology prevalent in Europe can be an issue for magnetic-stripe card use at a self-service kiosk like train stations or vending machines. Shop around before you leave to get the best exchange rate on currency; bringing cash covers you until you can find a proper exchange source.
Prepaid card: Wildly popular, these reloadable cards give you secure access to your funds
and also help you stick to your budget. Buy prepaid cards before you leave and use them to make purchases and ATM withdrawals. Plus, they come with all of the protection of your credit card.
Alerts and back-ups: Avoid frozen accounts by notifying your bank of your travel plans. Sudden expenses that are out of character can trigger a security shut down, leaving you without access to your account. Also check the bank’s emergency procedures: How long would it take to get a replacement card if your was lost or stolen? Record the international toll-free number for your bank, and have
a back-up plan to cover expenses in an emergency.
Most travel experts recommend you carry a prepaid card, a credit card, and a small amount of local currency. A little research will help you find the best options; or, simply stop by your local AAA office or visit AAA.com for all of your travel currency needs.
to make the most of your vacation. Nothing
ou’ve probably set a budget for your
will hold you back knowing that you and TripAssist travel insurance can free you up
your travel plans are safe. to make the most of your vacation. Nothing
will hold you back knowing that you and your travel plans are safe.
upcoming trip, but have you considered
Talk to your AAA Travel Agent today for more information
your AAA Travel Agent today for more information about exclusive beneifts only available to members.
exclusive beneifts only available to members.
Terms, conditions and exclusions apply.
Insurance products are underwritten by BCS Insurance Company or Jefferson Insurance Company. onditions and exclusions apply.
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AGA Service Company is the licensed producer and administrator of these plans.
products are underwritten by BCS Insurance Company or Jefferson Insurance Company.
ice Company is the licensed producer and administrator of these plans.
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march/april 2017
Now!