Travel Insurance: What Is It and Why You Should Get One

Jun 11, 2021

Last Updated on: Feb 3, 2025

Trip ideas

You probably heard a lot about life insurance, car insurance, and home insurance. In case you don’t know, there’s another type of insurance that can protect you and your personal items during travels—travel insurance.

Keep on reading to learn more about this insurance policy and how can you benefit from it.

What Is Travel Insurance?

What Is Travel Insurance?

As the name suggests, travel insurance is a plan that covers the financial risks and losses associated with travelling, either domestically or abroad. Examples of such risks include delayed flights or luggage, lost or damaged luggage, flight cancellations, and medical emergencies.

Here are a few things you should know about travel insurance:

It’s not a one-size-fits-all product. Travel insurance policies have varied benefits, stated exclusions, and limitations. Typically, plans don’t cover everything you might do or experience when you travel, including:

  • Seeking medical treatment outside the home country
  • Travelling to countries included in the “Do Not Travel list”
  • Extreme sports where the chance of death or injury is high
  • Pre-existing medical condition and pregnancy-related conditions
  • Any behaviour under the influence of alcohol or unprescribed drugs
  • Circumstantial exclusions, such as war, military actions, riots, and more

It can’t cover every possible situation. Trip insurance covers losses due to global health emergencies and natural disasters, given that you purchase before such events occur. Most policies also don’t cover lodging or accommodation snafus, ticket scams, overbooked flights, and many other things.

3 Reasons to Insure Your Next Trip

3 Reasons to Insure Your Next Trip

Many people see travel insurance as an unnecessary expense. The truth is, it’s as essential as life insurance. The only difference is that it protects you from the possible uncertainties—be they accidental death or injury, lost or stolen luggage, trip cancellation, and more—while you’re on your travels.

Let’s break down the reasons to ensure your next trip:

1. Travel Worry- and Hassle-free:

1. Travel Worry- and Hassle-free:

Travelling is good for mental health. It helps you take a break from stressful situations, reflect on your personal goals or interests, and feel more relaxed and content, among other benefits.

While travelling is a good stress-reliever, it can pose various risks to health and safety, depending on both the characteristics of the traveller and on the type of travel. For instance, you may get sick due to the sudden change in temperature or get injured during the vacation.

Such medical emergencies can spoil your much-awaited holiday fun. What’s worse is that the money allocated for your vacation will be used to pay for medical expenses.

But if you were sensible and weighed up the pros and cons of various providers in order to get travel insurance that works for you, then you won’t have to worry about dealing with emergencies while travelling. Most travel insurance policies cover doctor and hospital expenses and work in conjunction with your health insurance, it’s just about what extras you may or may not need depending on where you’re travelling.

Not all health insurance plans provide full coverage in foreign countries. In fact, some health plans provide no coverage at all. A trip insurance plan, on the other hand, can cover you for accidents and emergency medical care when you travel in any part of the globe.

2. Protect Your Personal Belongings:

Have you ever lost a phone or other personal stuff during a trip? Believe it or not, you’re not alone. According to the 2015 Statista survey, U.S. travellers have had their items (i.e., smartphones, credit card, debit card, license and passport) lost or stolen while travelling.

The likelihood of losing personal items during a trip is high as sending a text message to the wrong person. Why is that so? It’s because we, people, get distracted when we’re at the height of our emotions. We lose sight of the bigger picture because we’re too focused on one thing—either composing a text or having fun under the sun.

Thankfully, travel insurance assures you that your personal belongings remain protected, even when they went astray. The insurer can help pay for replacement items when your stuff is lost or stolen, provided that you didn’t leave your items unsupervised or unattended.

Below are a few instances that most trip insurance plans cover:

The rental car damage or loss. Comprehensive travel insurance plans have an add-on option for rental car collision coverage if the rental car is damaged in an accident.

Baggage damage. Should your baggage become damaged in transit or airline, your insurance policy will help you get compensation for this.

Luggage delay. If your luggage is delayed, you can be refunded up to the policy’s benefit limit to purchase essential items you need while waiting for your bags to arrive.

3. Manage Trip or Flight Interruptions:

3. Manage Trip or Flight Interruptions:

Are you the type of traveller who gets concerned about your trip being cancelled and other interruptions, like losing your entire vacation investment or remaining travel arrangements due to certain reasons? If yes, then you need a trip insurance plan.

Unforeseen circumstances may happen. For example, your family member gets sick, and you have to make last-minute cancellations, or an emergency occurred that you have no choice but to cut your vacation short.

Here’s the good news. Travel insurance can provide reimbursement for trip cancellation as long as the reason for cancellation is covered by your policy. The most common covered reasons include:

  • Illness, injury, or death of you, a travelling companion or a family member
  • Inclement weather preventing you from reaching your destination
  • Sudden terrorist attack or strike at your destination

Travel with Peace of Mind:

Whether you’re planning a short get-away or a long trip abroad, never hesitate to insure your travel. Getting a travel insurance plan can give you peace of mind and let you enjoy your ultimate break from the hustle and bustle of the city.

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Abdul Aziz Mondol is a professional blogger who is having a colossal interest in writing blogs and other jones of calligraphies. In terms of his professional commitments, he loves to share content related to business, finance, technology, and the gaming niche.

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You Can’t MISS These Best Songs for Instagram Travel Reels (Real People, Real Choice 2024)

BY  Sibashree Sep 9, 2024

Are you a travel blogger? Do you want to share the best moments from your last trip on Instagram reels and stories? Here is a list of the best songs for Instagram travel reels.  The English songs I have picked are eclectic, and I have curated pieces that fit various moods. Further, from John Denver to Ed Sheeran, your most loved artists feature on this list.  So, let’s find out music tracks that add wind beneath our wings! Have You Checked Out These Best Songs For Instagram Travel Reels?  When we travel, the gust of the wind, the murmuring of the leaves, or the chirping of the birds are probably the best music you can listen to. However, as you return, those moments become memories and the photographs and videos we click turn into stories we want to tell the world.  What’s better than a piece of music to enhance these stories? It can be Whitesnake’s rock anthem, “Here I Go Again,” Denver’s “Leaving on a Jet Plane,” or the feel-good “On My Way” by Carswell & Hope. 1. "Wave" by Lyxe https://www.youtube.com/watch?v=5DfTWt8_Ec0 Perfect For: Roadtrip reels Everyone was crazy when Lyxe reconfigured Wave in June 2023. The song’s upbeat tempo is inspiring, and it asks you to get “'Everything You Could Ever Want.”  As the soundtrack opens, you are already transported to a highway with the embrace of majestic trees on both sides. The melody just works as the sunlight peeps through the vegetation.  2. “On My Way" by Carswell & Hope https://www.youtube.com/watch?v=N0qkhXoiGCQ Perfect For: Couple Travel Videos I find “On My Way" close to Denver’s Country Roads in spirit. It’s like a country ballad with an urban touch. And the guitar is just out of the world in the piece.  However, as you reach the lines,  “Me and my vice, and you in your wisdom Lightly tripped along the passing days Wouldn’t it be nice if you could finally listen? To hear the tune that’s calling you home today”  You realize that it’s about the journey of your life with your love! Listening to the tunes that are calling you “home today.”  3. “Unto Myself” by Serene Fiend https://www.youtube.com/watch?v=kogF2cchLCk Perfect For: Adventure Sports Reels Here’s something for a metal head. As you explore outdoor pursuits and make reels for Instagram, “Unto Myself” becomes your go-to travel song.  Watch out for the edgy twists in this one of the best songs for Instagram travel reels.  4. Whitesnake’s “Here I Go Again” https://www.youtube.com/watch?v=WyF8RHM1OCg Perfect For: Road Trips/ Adventure Activities Reels/Solo Travel Videos Exuding the spirit of classic rock, Whitesnake’s “Here I Go Again is a vintage travel song that emancipates and transports. This is also a kinda prayer where the traveler asks for courage and strength to carry on. Further, this song can be the greatest kick for solo travelers who love to walk the street alone.  5. Denver’s “Leaving on a Jet Plane” https://www.youtube.com/watch?v=SneCkM0bJq0 Perfect For: Long Trips/Foreign Trips Leaving on a Jet Plane is a classic, and it’s, for me, the most romantic conversation between two lovers. One leaves on a trip and asks the other to kiss, smile, and wait until they return.  A sense of melancholy, the signature of Denver, makes the song timeless. It’s like we all travel to return to the people we love and all good things! We are not always sure about the return, but we want to!  6. “Galway Girl” By Ed Sheeran https://www.youtube.com/watch?v=87gWaABqGYs Perfect For: Romantic Travel Reels  Are you on a trip to Ireland or the gorgeous European cities? Ed Sheeran’s Galway Girl is the perfect song to add a dash of romance and whims to your travel reel.  So, are you ready to meet her on “Grafton Street?” 7. "Enjoy The Show" by The Sluts https://www.youtube.com/watch?v=RnurG4O5og4 Perfect For: City Nightlife Reels  You can be in Las Vegas or Barcelona. You can pump up your nightlife reels with this high-energy number from The Sluts. Having said that, the underlying laid-back charm of this song keeps it psychedelic for you, and the powerful vocal just helps you get going!  8. "About Damn Time" by Lizzo https://www.youtube.com/watch?v=IXXxciRUMzE Perfect For: Girls’ Solo Trip Travel Reels  Oh, my girl, are you on a break and want to be on top of your game? "About Damn Time" by Lizzo is the kick you need.  It inspires and assures that everything is about time and that everything will be okay. So, use this song for travel stories that mend you.  9. "Watermelon Sugar" by Harry Styles https://www.youtube.com/watch?v=E07s5ZYygMg Perfect For: Beach Holiday Reels/Couple Travel Videos Your coastal summer holidays could not be better than this Harry Styles song. The song has a zing, and its youthful charm is infectious. The passionate undertone further makes the song a hit among the young at heart.  10. “Saturday Sun" by Vance Joy https://www.youtube.com/watch?v=uKqMNQkjHmI Perfect For: Weekend Trip Reels/Coastal Holidays The happy tempo of the song is something that strikes instantly. Further, the song is about meeting someone for the first time and falling in love with them. So young and refreshing! Perfect for a weekend escapade!  11. “Perfect" by Ed Sheeran https://www.youtube.com/watch?v=2Vv-BfVoq4g Perfect For: Couple Holiday Reels Who doesn’t know of Sheeran’s “Perfect?” This song just makes walking “Barefoot on the Grass” with your love more special.  It’s time to enjoy the most romantic journey with your love in your arms. The soft melody is just worth melting!  Some Of The Best Songs For Instagram Travel Reels My Friends Love  Music is such a subjective thing to decide upon! How about asking my friends about the songs they like in their travel reels? These thoughts came to mind while curating the travel songs for Instagram reels. I quickly worked on the idea, and here is what my friends have to say about the best songs for Instagram travel reels.  “Paradise by Coldplay is my favorite, as it has several parts that fit like a glove over any travel reel. From revealing the grandeur of a mountain to a montage of chasing sunsets, the first couple of seconds is my go-to!”  - Harsha Sharma. “Country Roads by Denver: It highlights a major theme that's common for all travel experiences. We travel to rejuvenate our spirits, and for most adventure lovers, this rejuvenation feels like home.” - Saswati. “Music can help establish an emotional connection. Paris by Chainsmokers resonates with emotions and experiences from a specific moment in your travels with your loved ones.” - Nikita Marilyn Gomes. “Taylor Swift: 22! There is nothing better than a good old road trip with your girls. Taylor Swift will always be at the top of our list. Especially 22 (...although none of us are anymore). It is when we cruise through the windy roads and cross cities with only each other it feels like we are only young and 22, awaiting all the adventures.” - Deepanwita.  “Forever Young by Alphaville: "Forever Young, I want to be forever young," the timeless melody and meaningful lyrics awaken the urge to stay young to explore more, to live more, and to explore the unknown.” - Piyasa M.  “The Nights by Avicii: this song has a very upbeat tempo, a wonderful chorus, and nostalgic lyrics that can perfectly capture the ultimate spirit of adventure and life's moments.” - Pijus. Want to revel in some child-like fun like my friend Subhasree? A young lady of 25, she still finds The Singing Walrus’s travel song delightful. “I’m on my way/ To a new place…” This is where all travel stories begin. Isn’t it?   Also Read Did You Know You can Hear Banshee’s Wail at the Killarney National Park! OMG! THIS Is The FintechZoom Best Travel Credit Card 2024| Travel Finance Guide. Joy Cho Death At Grand Teton National Park: How To Remain Safe While Hiking In This Beautiful Yet Dangerous Land.

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Olight Warrior Mini 2 Edc Tactical Light

BY  Abdul Aziz Jun 6, 2023

The Olight Warrior Mini 2 EDC Tactical Light is the newest and most powerful compact tactical light on the market. It's an upgraded version of its predecessor, the Warrior Mini, which was already a top-performing flashlight. The Warrior subcategory of tactical lights has been designed to exceed all expectations for a high-performance tactical light. This compact flashlight boasts an impressive 1750-lumen output that can easily illuminate even the darkest of environments. t can provide reliable lighting during any outdoor or indoor activity. Its durability is beyond compare with its aluminum body and IPX8 rating, which makes it water-resistant for two meters deep. Another amazing feature of this tactical light is its ease of use. With a side switch and one button at the tail end, you can easily switch between modes and adjust brightness settings according to your needs. 1750 Lumen EDC Flashlight The Olight Warrior Mini 2 is a versatile and compact tactical light that packs a powerful punch. With the highest output of 1750 lumens, it can easily light up any dark environment. Despite its impressive power, it remains compact and easy to carry, making it an ideal choice for everyday carry (EDC) enthusiasts. Among all the standout features of the Warrior Mini 2 is its impressive beam throw. It has a range of more than 240 yards, allowing you to see far into the distance, even in pitch-black conditions. This makes it an excellent tool for hunters and outdoor enthusiasts who need reliable lighting in remote locations. Additionally, its durable construction means that it can withstand harsh environments and keep functioning at peak performance for years to come. This Tactical EDC Light refers to a compact and powerful flashlight that can be trusted to withstand extreme conditions. Rated IPX8, waterproof to 2 meters, this flashlight is perfect for outdoor adventures in the rain or near water sources. It also consists of a drop-safe rating up to 1.5m, making it durable enough to withstand accidental drops. EDC Ready If you are looking for a reliable, lightweight, and easy-to-handle tactical light for everyday carry (EDC), the Olight Warrior Mini 2 remains an excellent choice. Measuring in at just under five inches long and weighing in at a hair over four ounces with a battery installed, this compact flashlight packs a punch. The Olight Warrior Mini 2 is designed to withstand tough conditions, making it perfect for outdoor use. It consists of an IPX8 waterproof rating, a simple indication that one can submerge it in water up to two meters deep without actually damaging it. Moreover, its aerospace-grade aluminum body is durable enough to handle accidental drops and bumps. With an output of more than 1,750 lumens along with a beam distance ranging from 220 meters or so, it is also incredibly powerful. Its dual-switch design allows you to easily toggle between different modes using just one hand. Fast Magnetic Charging The Olight Warrior Mini 2 is a high-performance EDC tactical light that comes with a magnetic charging system. The magnetic tail cap allows for quick and easy recharging of the 3500mAh battery, ensuring that you never run out of power when you need it most. The charging cable snaps onto the tail cap magnetically, eliminating the need to fiddle with cables or ports. In addition to its convenient charging system, it is also highly durable and versatile. It features a robust aluminum body that can withstand extreme conditions, making it ideal for use in harsh environments such as construction sites or outdoor adventures. Its compact size makes it easy to carry in your bag or pocket, making it an essential tool for everyday carry (EDC) enthusiasts. Powerful beyond size: The Olight Warrior Mini 2 EDC Tactical Light is a powerful and compact lighting solution that offers a maximum output of 1,750 lumens with a beam distance of 220 meters. This impressive illumination capability makes it an ideal choice for law enforcement officers, hunters, hikers, campers, and anyone else who requires a dependable light source in low-light situations. Compared to its predecessor- the Warrior Min- this tactical light boasts significant improvements. It delivers up to 17% more brightness and throws over 16% further than the previous version. Its upgraded features include an improved LED emitter that produces brighter and clearer illumination while also conserving battery life. Additionally, its durable aluminum body is IPX8 water-resistant rated, making it ideal for use in wet weather conditions. Improvised User Safety: The Olight Warrior Mini 2 EDC Tactical Light is a great addition to your regular carry kit. It features a default proximity sensor that is responsible for dropping brightness in order to protect against any object while turning it on higher modes. This enhanced safety feature ensures users that they won't accidentally blind themselves or others when using the light in close quarters. With this feature, you can confidently use this Tactical Light in any situation without worrying about causing harm to yourself or others. Whether you're hiking through the woods, working on a car in your garage, or navigating a dark alleyway, this tactical light has got you covered. Overall, the Olight Warrior Mini 2 EDC Tactical Light is an exceptional tool for anyone who values safety and practicality. Its built-in proximity sensor is just one of many features that make it stand out from other tactical lights on the market today. Conclusion The Olight Warrior Mini 2 EDC Tactical Light is a reliable and durable option for everyday carry and tactical use. Its compact size, impressive brightness, and various modes make it a versatile tool for any situation. Additionally, its rechargeable battery ensures that users will always have a reliable source of light at their disposal. Overall, it is an excellent investment for anyone in need of high-quality tactical light. Don't hesitate to add this powerful flashlight to your collection today! Read Also: Kiwi Flights Review – Login, Services, And Travel Experiences How To Enjoy Your Journey After You Book Flight Tickets From Canada To India?

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15 Most Exciting adventure Ideas To Go With Your Friends

BY  Mashum Oct 21, 2021

In these difficult times as well as the world where it has become so busy with work. People barely have time to chill and have some adventurous fun with friends. Running only behind money and work will not keep you healthy mentally.  For that, you have to hang out with your friends and do thrilling things that you can later tell your children, while you all sit in the same room. The most important thing you need for yourself is when you can say in the end after doing something crazy “ I am glad I did this, it was so cool”. Life is not all about serious things, they are part of life. The other part is where you can enjoy yourself with your favorite people and do incredible things like fly in a spitfire over some incredible landscapes. Let’s dive into the article where I will mention 25 crazy, adventurous things you can try with your friends. Go get a vacay and enjoy! Here are some adventure Ideas To Go With Your Friends 1. Go Ice-Cross Karting The chilling ice, provoking you to take the challenge of riding a kart, crisscrossing your way through. Imagine zooming down a smooth road. What is the fun in that? The real thrill is when the road will be full of frozen lakes. You and your friends waving at others saying ‘I'll race you is an amazing feeling. Though frozen lakes are pretty dangerous and can cause an accident anytime, that doesn't mean you will not take risks in life. This activity falls under adventure ideas. If you are up for the adventure. Continue reading. 2. Megavalanche Bike Racing Remember the song by Kaleo? ‘Way down we go’. There is only one way you can while participating in the Megavalanche bike ride….DOWN!. Imagine the freezing sharp pin-like air hits your face as you are on your bike just forward towards the bottom of the mountain.  The Megavalanche race is held every year in the French Alps at the Alpe D’Huez ski resort. Make a plan with your friends for fun adventures like this. Go ride that bike! 3. Upper Antelope Canyon When you think of American Canyon there is a usual picture that pops up in your mind, but if you are thinking something precise. The Upper Antelope Canyon in Arizona is the place you and your friends must visit. It has a narrow slot and a petrified sand dune. The sand dune got its beauty from the wind and water that has carved her for millennia. Get the guide of Navajo, they hold tours seven times a day. This is most desirable adventure ideas with your friends.  The best time is the morning when the rocks come alive by the kiss of the bright gleam of light. 4. World’s Largest Video Screen  Leave it to Las Vegas when it comes to doing the craziest thing. It has the biggest video screen turned into a giant disco where the Fremont Light Tunnel is about 460 meters long. Go get theta crazy sound and light show with your pals. They change the program every day but there is still a chance where you might find yourself in the world’s coolest and craziest LED block party!  5. Drinks And Axes Most of the beer bars have dart boards in there, but not in Louisville! They have something better and bigger, axes to throw at a dart-board-shaped board.  It is located in a warehouse, a huge space to do this activity as well as drink several beers.  Think of this scenario: you and your friends drinking beer and throwing axes on the dartboard! How crazy is that?. Don’t worry it’s a safe place, people don’t die there They have a strict ‘ no drunk people policy’, if they see that you are way too drunk, you won’t be allowed to do the activity.  Be careful about it and one of you from the gang, keep checking on others. 6. Silverton Narrow Gauge Railroad For more than 120 years a tiny engine has been puffing through canyons of Colorado.  You and your friends can easily be on board and enjoy the beautiful jaw-dropping scenario of the one and only Durango and the railroad. This steam engine is the only engine in America that runs the Silverton Narrow Gauge Railroad, in the San Juan Mountains. Just like it used to in 1882. 7. Kayak With Orcas Kayaking in Johnstone Strait on Vancouver Island, Canada for weekend adventure ideas is going to be the best decision ever.  If you and your friends are into dolphins and orcas then better not leave this place out.  It is the most beautiful place to watch orcas in their natural habitat. Kayaking is the best way to explore the place as you will witness dolphins, seals, curious orca, and minke whales. 8. New River Gorge Bridge  It was established in 1977 and at that time it was the highest bridge in the world. Now, the world has many other high bridges to compare. So what, if the Gorge bridge is no longer the highest one? I am sure it has the same impressive sight. The bridge’s steel beams are nearly 300m upwards. Imagine standing together, holding hands, and promising each other to always live life to the fullest. You can’t appreciate the construction unless you are standing right under it. 9. Camp In Siberia The stunning nomadic tribe of reindeer herders named Nenet has lived for centuries. It is just above the Arctic circle on the Yamal Peninsula. 2018 was the first of the reindeer’s life when they allowed human interactions, they invited more travelers upon their land.  Plan a camp in the village of Labrovaya. Spend the entire night under the starry sky and find the beautiful beast just outside your tents, when you wake up.   10. Nepal’s Nubra Valley  Have friends and carry a bigger camera. Visiting Ladakh is not a big deal, it's just a tiny kingdom located in the Himalayas.  This compact scenario makes the Nubra Valley a special place that is surrounded by boulders and mountain peaks that also has a sandy expanse. There are few companies that provide the service of camels riding past tiny habitats and clear mountain streams. Together with friends, you can enjoy the place to its best. 11. Taiwan’s Sun-Moon Lake The location of sun-moon lake is just epic, it is nested high in Taiwan’s central mountain range. It is protected by jungle-covered slopes. But the magic begins at dawn, the blue water turns to gold because of the sun. Sitting there and talking about life among friends would be such a stress reliever. No wonder why CNN has ranked this place as one of the best on the entire planet. 12. Hang Son Doong This place is famous for its cave which is the biggest one in the world. No one actually knows the size of it. The cave has its own world inside of it, it owns a river and a jungle.  So huge that it can easily fit a 40 storey skyscraper inside. This place was not known by anyone until the British cave searchers found it in 2009.  You and your friends yelling each other's names which echoing, this feeling is like ‘top of the world’. This is worthful adventure ideas with your buddies. 13. Ras al-Jinz Have a love for animals? And curious about the endangered species? Pack your bags and Ras al-Jinz. Sea turtles are the main focus here. Hawksbill, Green and Loggerhead turtles call this place their home. They come to the sand from the sea, dig holes and lay eggs there. To watch this beautiful process of nature even in a better way, the Ras al-Jinz sanctuary is the best place to visit. Click pictures of the turtles and your gang together. 14. The Omo Valley  While many city people are busy in their fast-forward life, the tribes of Omo valley live their traditional way in peace. Goats are still herded on the dry, rough savannah scrub, the famous jumping of the bulls ceremony happens here as well as the Mursi warriors stretch their lips with lip palates.  This is one of the best adventures to go on with friends. On market days the tribes exchange goods using a barter system. This kind of scenario should not be missed, because we don’t have any traditional way to live life anymore.  15. Spirits In Chile A spiritual place is always a bit more exciting for adventure ideas. It’s normal for a group of friends planning to visit the mystical Chiloe.  The place has its own way of showing beauty, once you are in there it won’t feel like the rest of the world.  The morning starts with dense fog. The countryside can be heard whispering about myths, ghost ships, legends, and forest gnomes, Wow!. The place is so spiritual that the energy is very different there, so most people can’t connect with the place and therefore there is no crowd.  Conclusion  The article is for a bunch of friends who are planning a vacation together. It is no crime to ditch your work for a bit and enjoy life with the people you trust most. Here I am share top 15 adventure ideas. These are the places for an adventurous trip and adventures to have for sure. Forget the crowded world and dive into peace. ‘Keep your circle small and beer cold’. Leave a comment below and share your experience with us. Read More: Why You Should Move To San Diego Why You Should Travel as a Couple How to Fund the Cost of Travelling 10 Travel Tips For Singles At This Valentine’s Day How To Plan A Best One Day Trip To Atlanta With Family?