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BY  Sibashree Nov 24, 2025

A multi-trip travel insurance policy covers unexpected financial losses for multiple trips throughout the policy period. It can be related to a medical emergency, baggage loss or trip cancellation.  As you research online, you might come across a wide range of travel insurance for multiple trips. How do you choose the most affordable multi-trip travel insurance policy?  Here are a few factors and tips that you can consider while looking for a budget-friendly multi-travel insurance plan.  Key Features: What To Look For In An Affordable Policy?  A‍‌‍‍‌ multi trip travel insurance is a policy that covers you financially against different types of risks, e.g., a trip cancellation, medical emergencies, etc., that may happen to you during multiple trips within the period of the policy.  The insurance is generally bought for a year and is therefore mostly referred to as an annual multi-trip holiday insurance policy.  Compare key coverage features, such as the ones below, across different multi-trip holiday insurance plans available online. Medical Expenses - These may include the Transportation,  vaccination, and  Repatriation of the mortal remains,  Dental treatment,  Daily allowance in the case of hospitalisation, and many other things. Trip Expenses - Delay of the trip, cancellation, interruption, missed connections, and so on. Loss of Baggage - Delay or complete loss of checked-in ‍‌‍‍‌baggage. Choosing An Affordable Policy: Does It Meet Your Needs? While you consider a multi-trip travel insurance policy instead of a separate travel insurance plan for each trip, ensure it covers all your specific needs.  Look out for the following aspects: Flexible features to customise the multi-trip travel insurance to your advantage. Online convenience and customer support to seek assistance on queries. Seamless claim settlement process and high claim settlement ratio for a reliable experience. 1. Review Your Needs For Cost-Effective Coverage While selecting basic and customisable coverage, review your needs carefully and choose the most important features. Determine the extent of coverage required based on possible risks that can affect your financial situation.  Taking this step can help you compare more effectively and lead to a better multi-trip travel insurance policy at an affordable premium. 2. Calculate Premium And Save For Multi-Trip Insurance Calculate the premium for the various annual multi-trip holiday insurance plans. It will be available on the specific insurer’s official website. Compare the price against the coverage features and benefits offered.  Some reputable insurance providers, such as Reliance General Insurance, offer premium rates for their various multi trip travel insurance policy options to make the comparison easier.  3. Save More With Exclusive Discounts As you compare features and premium rates, keep an eye out for discounts. These may apply to specific policy types, travel seasons, coverage levels, and more.  Ensure it helps you reduce the premium for an affordable policy without compromising coverage features or requirements.  4. Plan, Buy Early, And Save More Compare and buy a multi-trip travel insurance or single-trip multi-destination travel insurance plan well in advance.  Buying it much earlier can help you secure a more affordable policy by taking advantage of lower demand, better premium rates, and added coverage benefits.  What Multi-Trip Travel Insurance Does Not Cover? The first thing you should pay regard to is the limitation of every single possible length of the trip.  Next, do not allow any pre-existing medical condition. And finally, the instances that are not covered if you participate in high-risk sports. Key Exclusions You Need To Know About 1. Pre-Existing Medical Conditions:  Most of the standard checked policies will not take on the costs related to medical conditions that have existed prior to buying the insurance.  Only a couple of insurance companies may offer an extra provision at a higher price to cover the acute flare-ups! However, the planned treatments are always in the list of exclusions. 2. High-Risk Activities Suppose your program includes adventure or extreme sports such as skydiving, bungee jumping, or mountaineering.  In that case, you will understand that these activities are generally not included in a multi-trip standard policy. So, you will have to sign up for a specialised insurance policy. 3. Alcohol Or Drug-Related Incidents Suppose the event, disease, or injury happens when you are using alcohol or illegal drugs, or you are misusing prescription medication. In that case, you will most likely find that your claims will be rejected. 4. Travel Against Official Advice Insurance for incidents occurring in a specified area will most likely be voided! In case you travel to places with government advisories or warnings (e.g., war, civil unrest, or natural disasters)!  5. Self-Inflicted Harm  Generally, the inclusion of such injuries caused deliberately by  Oneself,  Suicide attempt, and  Disorders related to mental/emotional conditions (like anxiety or depression), 6. Loss Due to Negligence In a nutshell, the insurer will not compensate you for lost or stolen personal items if it finds that you were negligent (e.g., leaving items unattended in a public place or not using a hotel safe). ​‍​ ‌‍​‍Common Limitations You Will Encounter  Maximum Trip Duration: This is perhaps the most significant restriction that comes along with multi-trip policies.  If you are after unlimited trips in a year, remember that the limit is set per trip, most of the time 30, 45, or 60 days, depending on the plan you select.  Age Limits: Generally, multi-trip insurance policies have an upper age limit for applicants to be covered; this limit is usually set at about 70 years.  It may be necessary for your elderly family members to look for specialised single-trip insurance policies.  Coverage Limits on Valuables: It is important to note that there are typically sub-limits on compensation for lost or stolen valuables, such as cash, jewellery, or electronic items.  Specific Documentation Required for Claims: You must furnish all required documentation to make a successful claim!  For instance, original receipts, medical records, and a police report (which should be filed within 24 hours in case of theft)! Otherwise, your claim is likely to be turned down.  As a precautionary measure, always make sure you have read the fine print of the policy you are considering and discussed any clarifications, doubts, or planned activities with the insurance company before the purchase.‌ Read Also: Coverage For Special Occasions: Travel Insurance For Canadian Festivals And Events The Convenience Of Online Long Stay Travel Insurance Top 8 Travel Medical Insurance Trends to Consider

BY  Sibashree Sep 10, 2024

The year 2023 fall saw the return of Lake Manly or the Death Valley National Park lake. The Badwater Basin is the lowest point in the Death Valley, as well as the entire North America. It is located 282 feet below sea level, and today, the world knows it as a dry and salted flat.   However, a massive downpour caused by Hurricane Hilary in fall 2023 and the “Atmospheric River Effect” this year made the dried lake appear magically. Lastly, the lake had a resurrection in 2005, and suddenly, this trace of life in the barren land looks and feels surreal.   But why did this lake appear all of a sudden? Will it stay? What can you see while exploring the area near Lake Manly? This article tries to find answers to all your questions. Further, there is a sneak peek into what NASA shows about the ghostly and ancient lake at Death Valley National Park.   Has The Ancient Death Valley National Park Lake Returned?  Yes, the ancient Death Valley National Park lake made a comeback. Hurricane Hilary hit Death Valley on 19th-21st August 2023, and its remnants caused more rainfall than the average yearly rainfall (2 inches) at the national park.   Further, a Californian storm or the atmospheric river effect on 4th-7th February 2024 caused 1.5 inches of rainfall. Altogether, the amount of rainfall in this park from the second half of 2023 and the first half of 2024 was 4.9 inches.1   This sudden and unprecedented rainfall caused the rise of Death Valley National Park Lake. In mid-February 2024, the lake had one-foot deep water. Further, it was 6 miles long and 3 miles wide.   NASA has published a series of three images of Lake Manly. The pictures showed the difference between the barren, salted land in July and the waterlogged area in August after the rampage of Hurricane Hilary and Atmospheric River. Further, the pictures also depicted that the lake was almost the same size in August 2023 and February 2024.   Moreover, according to the latest update in April 2024, the lake is getting a steady number of visitors. The reflection of the surrounding peaks looks out of the world in the tranquil water of the lake. In addition, thanks to the rainfall and the resurgence of the lake, the national park had an abundance of wildflowers this season.   Elyscia Letterman2, an interpretive park ranger with the National Park Service (NPS), has mentioned,   “It's quite beautiful, especially at sunrise and sunset when you have these beautiful reflections from the mountains around the lake. There's some snow on the mountaintops. So, the reflection of the snow-capped mountains on the water is very beautiful. It doesn't feel like you're in Death Valley.”   Again, the Amargosa River keeps feeding the Badwater Basin area from the south. With its increased water level, it can help the Death Valley National Park lake to stay. Having said that, let’s discuss a few details about how Hurricane Hillary and the atmospheric river effect impacted the lake formation and overall national park.   Hurricane Hillary Hits Death Valley National Park  https://www.instagram.com/p/C2AgKKwLHMn/ The Death Valley National Park experienced flooding after a massive downpour started at Gower Gulch near Zabriskie Point. The rainfall took place on 20th August 2023, and the crew started assessing the havoc in the park on 21st August 2023.   Thanks to the flooding, Lake Manly made a comeback. However, some of the backcountry roads were completely washed. In addition, there was a major loss of pavements and undercutting.   “The lake was deep enough to kayak for a few weeks after Hurricane Hilary, but unfortunately people couldn’t come enjoy it then. Every road in the park was damaged by flash floods, and it took two months to open the first road into the park. Now most of the main roads are open, so it’s a great time to come visit!”   - Ranger Abby Wines on the return of the Death Valley National Park Lake after Hurricane Hillary  Atmospheric River Effect In Death Valley National Park  The Death Valley National Park was already recovering from the impact of Hurricane Hilary. Suddenly, in February 2024, a Californian storm or the atmospheric river effect hit the national park. The storm fed the Badwater Basin with water, which enhanced the temporary lake.  This storm also pulled down snow from the mountain peaks, and it came down to around 4000 feet in the park.   Will The Ancient Death Valley National Park Lake Stay?   Despite the endorheic nature of the Badwater Basin, the Death Valley National Park Lake is transitional or ephemeral in nature. The evaporation rate here is higher than the water feed it gets. However, the downpours caused by the August 2023 and February 2024 natural calamities have brought all the changes. We now have a lake that shows some potential to stay.   Again, the Amargosa River has flowing water at a high level. So, the basin is getting constantly fed by water from the south. As a result, the lake still stands in the driest place for a span of more than 6 months. In 2005, when the lake reappeared for the last time, it only lasted a week. This time, there is a new scenario around the lake and how long the water will last.  Having said that, nothing specific can be mentioned about how long the lake will stay as the rate of evaporation is still high. Even as I write this article, I realize that the lake may not remain fit for kayaking for long. Still, the lake is likely to exist for some time, offering visitors a renewed site of attraction in the national park.   Overall, the resurgence of the lake and its stay is an “extremely rare event,” as mentioned by the National Park Service authority.   Exploring The Death Valley National Park Lake Area   There is no denying that all roads in the Death Valley National Park lead to the ancient lake, which has come to life. Once you are done taking photographs or seeing the reflection of the surrounding peaks in the water, you can take a walk around the area.   The shores of the lake have a white boundary wall, which is formed because of a high concentration of salt. Further, the Panamint Range, Black Mountains, and barren land surrounding the lake offer you an other-worldly experience.   Moreover, you can explore the nearby looking points in the park to have diverse views of the place. Enjoy your time at the oasis of Death Valley!   What NASA Found About The Death Valley National Park Lake? (April 2024)  NASA showed the change in the Death Valley National Park Lake from February to March using SWOT, a U.S.-French Surface Water and Ocean Topography satellite. In just six weeks, the water level came down to 1.5 feet from 3 feet.   The NASA report has further highlighted the temporary nature of the lake and the fact that a gust of a strong wind can move this lake by a couple of miles.  Final Words   With “billions of gallons of water,” the Death Valley National Park lake is alive again. The sapphire blue water in the midst of a barren land shows the magic of nature. In February 2024, the lake became a go-to destination for kayaking, thanks to its 1-foot-deep water. However, by March, the lake was closed to opening, and in April, the lake was transformed into a waterbody of a few inches’ depth.   This has also become a tourist attraction thanks to the most amazing sunrise and sunset views.  Further, there is no assurance or specific information available about how long the lake will last. So, make it to the Death Valley National Park till the lake lasts. Also, don’t forget to share your experience as you explore the Badwater Basin area around the ghostly (now alive) lake. Also read Connemara National Park: Where Guglielmo Marconi Invented The First Full Duplex Radio. You Can’t MISS These Best Songs for Instagram Travel Reels (Real People, Real Choice 2024) Lake Clark National Park And Preserve: Very Few Know How It Preserves The Alaskan Spirit And Culture.

BY  Sibashree Sep 5, 2025

Every year, Thailand attracts millions of business travellers. While it faces competition from Singapore for the title of Southeast Asia's business hub, its superior size and geographic diversity make it many people's go-to destination for meetings, incentives, conferences, and events (MICE).  It's also one of the region's most open economies and an important trading partner for many countries, attracting visitors who are looking to do business with the country as well as in it. Nonetheless, it is a country with its own cultural quirks and unique ways of doing things, and it pays to be prepared if you want your trip to go smoothly.  So, whether you're hosting a meeting in Chonburi or attending a conference in Bangkok, here are five important things to make sure you prepare in advance for your business travel in Thailand.  Things To Prepare In Advance For Business Travel In Thailand  The International Trade Administration has a detailed guideline on business travel in Thailand. There are specific directives on visa requirements, telecommunications, currency exchange, and transportation.  However, here, we will talk about the preparations you need to make well in advance. 1. Take Care Of Travel Documents, Copies, And Connectivity Thailand receives many tourists each year due to its relaxed visa requirements for short-stay visitors. However, these generally only apply to visitors who are coming exclusively to sightsee and vacation.  If you're planning to do any kind of work, even if it's just a meeting, you'll need to apply for a non-immigrant visa at your local embassy or consulate. This should be done well in advance of your arrival in the kingdom. Make sure: Your Passport has at least 6 months of validity Make copies of your passport and visa Keep copies of your hotel booking and travel documents handy Lastly, make sure you've brought roaming data for your phone to stay in touch with people back home. 2. Ensure That You Have Access To Adequate Meeting Facilities It's important to remember that if you're travelling for business, you'll likely need access to a meeting room. Find out what you can in advance about your hotel's facilities, if that's what you plan on using.  Space Equipment Support These are the three most crucial factors.  If you need to book a meeting venue last-minute, or your hotel doesn't offer the facilities you need, translate your search, like "book meeting room in Chonburi" into Thai (จองห้องประชุมชลบุรี). You'll see the Thai results too, sometimes with lower rates. But once you click on the websites, there's usually a button to switch the language back to English. 3. Plan Your Recreational Activities Recreational activities are benefits that will carry over into work hours, both on your trip and back home. Thailand offers plenty of choices. Areas like Bangkok and Pattaya are, of course, known for their nightlife, but many modern visitors prefer to book into wellness retreats and spas. Chonburi, which is growing in popularity as a business destination, has a vibrant sports scene. It's home to the Chonburi Bluewave Futsal Club and the Supreme Chonburi Volleyball Club, which are both very popular across the country. 4. Have Access To Finances And Legal Advice As it's a business trip, we're sure you've got your budget covered. However, that means little if you can't access your money when you need it.  Make sure that you've informed your company's credit card provider of your travel plans so that they don't block it by mistake. It's also advisable to carry some cash at all times. Card payments are rarely used for everyday transactions, with the locals preferring cash or mobile app payments. Thailand has strict laws around foreign ownership of properties and businesses. You may also have local taxes and labour regulations to consider if you are setting up or investing in a Thai business.  It's also sensible to have any contracts reviewed by an expert who understands Thai law. So, get a legal advisor.  Moreover, Thailand has recently revised its visa policy. So, the duration of a visa-free stay for foreign tourists is now just 30 days instead of 60 days. This will impact visitors from around 93 countries across the world.  This new revision is aimed at controlling illegal business developments, such as unlawful condominium developments, in Thailand.  However, when you are traveling with a business Visa, or the Non-Immigrant "B" Visa, you can stay in the country for 90 days.  Do you have to suddenly extend your stay for business purposes? You can get in touch with the Immigration Bureau to get approval. Here also, provide the detailed documents and establish your requirements to get the approval.  So, irrespective of the country you are from, you need a constant consultation with an immigration expert and a lawyer.  5. Stay Aware About Local Culture And Etiquette The Western approach to business and personal interaction is a lot more direct than the Thai way of doing things.  In order to get along well with any Thais you meet and to ensure that your meetings go smoothly, you should honour the local customs. The most important concept to keep in mind is that of "saving face." This is the avoidance of direct or public confrontation with others to save them from embarrassment. Furthermore, you must always address the mistakes in private. Also, you must greet with a traditional gesture, “Wai”, before a handshake. Moreover, respect the hierarchy.  Stay Prepared To Make Your Business Travel In Thailand A Success From Chonburi to Chiang Mai, Thailand has many MICE cities that are well-equipped for the needs of business travellers.  However, keeping your documents handy and knowing the visa policies are very crucial if you are planning a business travel in Thailand. Also, if your business trip means that you have to work in Thailand, you will need a Thai Work Permit.  Moreover, the visa requirements can change in Thailand. Documentation can also get stricter. So, Read the visa policies Know the documents required Consult with an immigration expert Talk to your business counterpart in Thailand Seek legal help regarding documentation if needed All these will ensure a seamless visa application and approval for your next business trip in Thailand.  Read Also: 5 Must-Visit Places In Thailand: Should I Go To Phuket Or Krabi? 3 Reasons Why Thailand Is The Ultimate Wellness Destination Thailand Travel Guide: This Is The Best Time To Visit Thailand!