Bean to Mug: The Journey of Chikmagalur’s Coffee from the Plantation to Your Cup

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  Nabamita Sep 29, 2023

Australians and New Zealanders have learned to appreciate the pristine beaches, crystal-clear waters, and tropical adventures that the South Pacific has to offer. If you’re going on vacation, then look no further than the magical islands of Fiji because this destination has all the things that you need. See more about Australian-Fiji relations on this site here. Exotic birds, lush greenery, and refreshing beaches are just right on your doorstep, and it’s just a few days away from Brisbane or Sydney by ship. Explore these idyllic destinations at your own pace while enjoying the luxuries of a floating resort. However, before you set sail on this unforgettable journey, there are a few things to consider, and below are some valuable tips and insights to help you plan the perfect Fiji cruise experience. Whether it's choosing between small or large ships, or finding ways to save more on your voyage, below is some helpful information for you. Considerations for Your Fiji Cruise Year-round cruises are available, but the summer in Vanuatu, where it’s the most humid and hottest time is between November to March. Fiji temperatures can average between 26 to 31 degrees Celsius. Families with young children can be expected to be on board from December to January when the annual holidays are, so you might want to schedule your vacation when it’s not too busy. Itinerary Variety Islands in Fiji are more than 300, and only a hundred of them are inhabited. While it’s true that you can enjoy the resorts on each of them, you can only explore the rest by ship. Buying an exclusive yacht isn’t an option, but there are cruises in Fiji that can help you explore untouched destinations and off the beaten tracks. All of these can be done while you’re sleeping in comfortable cabins at night and waking up to a hot cup of coffee in the morning. Duration Choose among 12 or 17-night journeys and embark on either Auckland, New Zealand, or Sydney, Australia. This is going to give you enough time to visit popular ports like Mystery Island, Honolulu, Noumea, Suva, and Lautoka. Unwind in inhabited islands with underwater shipwrecks and beaches lined with coconut trees, or trek through the forest to feel the thunder of the Mele Cascades waterfall. Longer cruises often allow for more extensive exploration and give you ample time to immerse yourself in the beauty of Fiji, so don’t miss this opportunity. Activities and Excursions Snorkel at the beach and encounter sharks, and you can sail with the friendliest crew in Fiji. Small groups are guided by the crew and you’ll have the chance to feed the fish, get musical entertainment, view the turtles when in season, and get a delicious buffet lunch. Tribal face painting and fruit platters may also be onboard, depending on your chosen activities. Get a slice of paradise when you go into this ancient coral cay with its beautiful lagoon and surrounding fishes and experience the true meaning of tropical wonder. Onboard Amenities Are you looking for luxurious accommodations, fine dining options, or exciting entertainment choices? Sea-gazing is often the most popular, where the passengers have an obstructed view of the ocean in a glass-enclosed walkway. Others have slides that are not for the faint of heart, and other rides may also be available with splash areas that children can enjoy. Unique restaurants with affordable buffets or gourmets can also cater to your taste, so choose your ship well. Setting a Budget Basic room categories include the standard suites, balcony, and an outside view of the ocean. As you add more comfort, it becomes more expensive on the higher decks, where you can expect VIP access and exclusive amenities. Save money by going too early or late in the season and take a gamble with the weather. Look out for special deals or promotions that may help make your dream vacation more affordable. Small Ships vs Large Ships Cruisers may wonder about the difference in the size of the vessels when it comes to entertainment and dining choices. For those who don’t really mind the crowd, the best way to enjoy your luxury vacation in Fiji is through the big ships. It’s a big city where you can eat at different restaurants at night. There are endless possibilities where you can enjoy rope courses and see a lot of game shows and Broadway musicals. Rooms can be buzzing with extensive onboard activities such as pools, spas, casinos, and theatres, and there is never a dull moment in these floating resorts. They often feature spacious cabins with balconies for enjoying stunning ocean views, and you can read more about what to do at the ship at this link: https://www.escape.com.au/top-lists/top-tips-for-first-time-cruisers-11-things-ive-learnt-on-ships/image-gallery/c7a11bca07ecf3a65b7babf2d1d9da9a?page=1. Those who are on a honeymoon may prefer an intimate and personalized experience. With fewer passengers on board, you can expect more attentive service and the opportunity to form closer connections with both fellow travelers and crew members. The small groups also allow people to access remote locations that larger vessels cannot reach, giving you the chance to explore hidden gems and tropical havens. How to Save More on Your Cruise? As new ships are being built, the cruises are becoming more affordable as the years go by. With proper research, savvy spending, and adequate planning, you’ll have a trip that you can enjoy without breaking the bank. Here are some tips to help you out. High-demand cruise lines may publish a cheaper deal when they first sell their tickets, but there can be an increase as more people are buying them. When you have more flexibility, get an excellent deal around 90 days before the actual departure in Fiji and track the fares on various websites. Call an expert to see selections of staterooms and cabins. Booking through them can be helpful because they do most of the research for you, and they rarely charge extra for the knowledge. They also get specialized access to the sale price, which can save you money. Package deals that include flights, accommodations, and cruises all in one price are ideal, especially if you plan a lot of excursions while you’re in Fiji. These inclusions can sometimes provide better value than booking each component separately. Read Also: This Is The Best Time To Visit Iceland & These Are The Things You Should Do! Top 12 National Parks In Florida That You Must Visit Is Machu Picchu Closing In 2023? Know It All Here!

BY  Anindita Dey Mar 29, 2025

When planning to go on a trip next, I would say Fiji should be on the top of your list. With unexplored islands, the unique features of these places highlight the natural beauty of the place. Offering one of the most beautiful and secluded locations in the world for vacation.   Did you know that it is in the Fiji Islands, that the movie Cast Away was shot on the mountainsides of Mamanucas? Imagine the place and visit to make memories. Let me share with you the best time to visit Fiji and enjoy the most.   You should carry the best travel credit card so that you can use it if needed. At the end of the day, you must have backup for money if the cash you are carrying finishes.   What is the Best Time to Visit Fiji for your Next Vacation?   If you are wondering when is the best time to visit Fiji, plan your vacation between October to February. Apart from experiencing some of the coolest festivals, you also get to experience adventurous water sports.   Some of the most revered tourist' places in Fiji Island will pull you towards its beautiful natural and spiritual elements. For example, if you want to own natural pearls, you should visit Savusavu with crystal clear water.   Further, you can visit Levu, Mamanucas, Viti Levu and other places to experience natural botanical gardens, untouched island areas, secluded thriving with greenery and lush water. Let me share with you in more details when you should visit Fiji and what you need to do!   Best Time to Visit   If you are wondering about when to visit Fiji, let me share with you the best time to visit. From May to October, you can visit Fiji as it is considered the peak time with warm and dry weather. Just like death valley, visiting Fiji is important when it comes to the right time!   Additionally, the temperature is also moderate ranging from 20 to 30-degree Celsius. Yes, the tourist crowd will be quite heavy with a vibrant atmosphere all around! If you want to avoid the crowd, the time for you to visit Fiji is between the month of November to March.   It is off-season, and you will find it ideal to explore the islands with much fewer people around. However, you might not get to attend cultural events or festivals that are the life of the party during the peak season. You might experience severe temperatures during this time which might make the whole process difficult.   The moderate season to visit Fiji is from the month of April to May. It is ideal for beach activities along with some leisure time that you can spend.   Things to Do   There are several things to do when you visit Fiji especially during the peak time. From exploring untouched islands like Mamanuca to doing several water-based sports activities like diving, snorkeling and exploring other attractions like the Garden of the Sleeping Giant.   Island Hopping   One of the most important things to do in Fiji is island hopping. You can explore different types of experiences such as walking along the pristine beaches and seeing the vibrant coral reefs. Yasava Island is known for its beautiful resorts on its stunning beaches.   You can also experience Fijian culture while hopping Island because everyone is very communal, helping each other in village and family. Eat their food like Lovo while dance and music are an integral part of their tradition.   You can experience “meke”, Fijian dance, and music which ranges from performance, athletic dance, and war dance. Let's not forget to visit Mamamuca Island where you can kayak around thus, exploring lagoons and hidden coves.   Water Activities   You can take boat tours exploring different islands and thus, doing different water sports. Snorkeling is one of the most popular activities to do as water sports when you visit Fiji on vacation. Use a mask when snorkeling and then enjoy underwater scenery and life!   You also wear a wetsuit, fins, and a tube, snorkel allows your face to be covered while you can breathe. Another water sport, surfing, is an activity where you ride a board on the waves breaking it. The sport has its roots in pre-modern Polynesia and Hawaii.   Paddleboarding is another similar water sport like surfing where you stand on a board and use a paddle to propel yourself through the water. It looks very much like an offshoot of surfing enjoying riding the waves. Another water-related activity is recreational diving where you go underwater and then come up for water!   If you are planning to experience a relaxing activity where you have the time to check out the beautiful scenery around you, you should Kayak. On the kayak, you can explore different caves, lush forests on the edge of the waterbody and others.   Hiking with Adventure   If you are an adventurous person but are more into natural beauty compared to sports, you hike! The adventure waits for you as you explore the waterfalls, mountains and forests of Fiji, appreciating the beauty of the exotic places.   Waterfalls   If you love waterfalls, go to Vanibauloa waterfall for a hike and experience the adventurous landscape. You must discover the beauty of the place along with making memories on your Fiji vacation. I feel Fiji is one of the best places to visit in February!   Another significant waterfall that you must visit if you are planning to go on a trek is Tavoro falls, also known as Bouma falls, which is stunning. During peak time, you will find a lot of crowds here as it is a tourist favorite.   Mountains   The highest peak in Fiji, the mount Tomanivi can be hiked as it is moderate level difficult however, you will need a guide. The trek will require about 4 to 5 hours and will need you at the top of your physical and mental fitness. Enjoy the spectacular view when you are on top!   A challenging trek across mount Batilamu offers you a rewarding view however difficult it is. There are diverse landscapes across the trails that you hike upwards so, keep medication with you, drink water, stay hydrated and stay cautious.   Rainforests   Love lush forests? Visit Colo-i-Suva Forest Park which offers opportunities to see giant trees and various kinds of birds. The lush forests offer you breathtaking views across the trails. You also should not miss the Bouma National Heritage Park located in Taveuni, which features beautiful rain forests.   The opportunities are endless, and you can easily camp here. However, you need to be a bit aware during the rain. There will be insects and poisonous animals, so please be cautious before you visit and carry ointments for allergies.   Leisure in Nature   You can soak up the sun at the beautiful beaches in the Fiji Islands with a drink and a book in your hand. Don't forget to apply sunscreen properly every two hours and have your sunglasses and hat to protect you from the sun. one of the most exotic places to travel when you are in love with nature!   Soak up the sun but carefully thus, unwinding properly on your vacation. You can also go for a swim in the ocean or at the resort pool, thus relaxing properly. You will be facilitated with several other activities like having dinner alongside the beach, going for a stroll, spending quality time with your friends or partners with whom you are on vacation!   Wrapping Up!   Now that you know the best time to visit Fiji after you have read the article, what do you think is the necessary things to do. I have shared several fun activities which you can explore and make your trip more memorable.   Comment on what you think is the best time to visit in consecutive with the peak time. Read the blog and understand the things you need to consider before you plan your trip to Fiji.  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit.