BY Ariana SmithOct 12, 2021

If you want to purchase life insurance, your insurer will likely ask you about all the places you’ve visited during the past five years. This travel history can have an impact on your life insurance policy, including the cost of the policy and even whether or not you’re able to purchase it at all. To learn more about how traveling affects your life insurance, keep reading. We’ll take a look at three important factors—frequency of travel, length of travel, and destination—and discuss how they affect your policy. What is Life Cover? Before purchasing life insurance it’s important to first decide what type of policy you’d like. A term policy is designed to provide protection for a predetermined period. A permanent or whole-of-life policy is designed to protect you until death and is considered permanent because it covers you throughout your entire life until death. Why Life Cover Matters If you pass away while traveling abroad, your family could find themselves in a difficult financial situation. As such, if you’re planning to travel internationally and will be away from home for an extended time, make sure you buy enough life insurance to cover your dependents’ expenses should something happen to you. Before buying any new life insurance policy or making changes to an existing one, however, it is essential that you get in touch with a professional that can help guide you through any necessary additional coverage. How to Choose the Right Amount of Life Cover One of the most problematic areas when it comes to financial products like life insurance plans is haggling over the coverage. This is where insurance companies try to low-ball their customers. According to experts, customers looking to get a new life insurance plan should do so only after going through multiple reviews and ratings of the providers. According to experts, customers looking to get a new life insurance plan should do so only after going through multiple reviews and ratings of the providers, such as these Colonial Penn life insurance reviews, in order to see what real people have to say about them. It’s always wise to ensure that you have a life insurance policy before you travel. In fact, if you have dependents, it is a legal requirement for you to do so. However, it can be difficult to know how much cover you need and when you need it most. Consider Reading: Canadians are not allowed to Travel in Winter. How Much Life Cover Should You Carry? While traveling, it’s important to realize that your life insurance may be null and void, depending on where you are in relation to your local branch. You also need to stay informed of any changes to the travel policy. If traveling is part of your career, it’s definitely something you should consider. You should ideally go for a heroic life cover. Can I Get My Life Cover Back If I Return Home Early from My Trip? If you are traveling, that doesn’t mean you should get rid of your life insurance policy. It is still possible to be covered by a travel insurance policy, but you may need to adjust it or find an alternative plan if any type of life-threatening activity will be involved. Before leaving on your next trip, make sure to research your options carefully. Do not let potential life-threatening travel situations influence your decision regarding whether or not it is time to get new life insurance coverage. Conclusion If you’re planning to travel for a year or more, you may want to reassess your life insurance situation. While you’re away, your circumstances will change—maybe your premiums are no longer being paid by an employer, or maybe you have new dependents who are counting on your income. This means you might need to reevaluate your coverage or look into additional plans that can help protect against these changing circumstances. Read Also: How To Fund The Cost Of Travelling How To Apply For A Passport Online In This Pandemic, And Which Countries Allow You To Travel Now?

BY Ariana SmithSep 16, 2021

The first thing I Googled before visiting New York was, what is the best time to visit New York. I have already shared my experience of Maryland, New York in my earlier post, I hope you liked reading it. I loved my tour in New York, the temperature in New York was lovely. But it actually depends on which kind of temperature in New York will you feel good.   New York is such a lovely place that almost all throughout the year people flee to New York. I would not say whether this is the best time to visit New York or not. It was lovely visiting New York, during winters, in December. I think December is the best time to visit New York. New York is one of such places in the US that invites visitors all throughout the year. The reason why I liked New York in December is because of the decorations and the lights. I would also suggest you visit Sacramento, California if you are visiting the US.  Best Time To Visit New York The temperature in New York is always pleasant and it is always fine for us to visit New York. New York City always has a constant flow of festivals and parties and celebrations.  New York can be planned for a three-day trip or any public holiday trip. Here you will discover which is the best time to visit New York.  Let us discuss them in detail! When To Visit New York City? If you are asking for my recommendation? Then I would recommend from April to June, September to early November is the best time to visit New York. During this period, the temperature in NYC is quite pleasant. But you might find the crowd a little uncomfortable during this season. But if you wish to visit New York at low expenditure, then from mid-Jan to the end of Feb is the most fitting travel season for you. If you are looking to visit New York in the best season possible, you need to plan well in advance for your hotel bookings. New York sees a lot of tourists during the best seasons hence it is best that you work on the hotel and travel bookings with cozycozy.com. This will ensure that you have the best stay in New York City. In my opinion, September is the best time to visit NYC.  Let us check some of the best times in New York City which we can enjoy the most.  Best Time In New York With Good Weather The good weather in New York is usually found from May to October although from July to August it is usually very hot and humid. This time period can not be considered the best time to visit New York.  If you are visiting New York during the Spring, you are in for a treat. The bustling Central Park, the high-energy Wall Street, and other attractions really come into their own. Open Bus Tours in New York City can be enjoyed during this period. The same will take you through the major city spots and allow you to enjoy the food, culture, and history of the place. Best Time For Sight Seeing Summer and winters are both have different flavors essences. For the travel thirsty people, every season is the best time for sightseeing of course obviously without natural calamity. April to November is the best time for sightseeing. It does not mean that the sightseeing possibility is rare during the rest of the time in the year. It is just that this time of the year is the best time for sightseeing. So, in my opinion, the best time in New York for sightseeing must be April to early November.  Best Time For New York In Nightlife The best time for nightlife in NYC has no boundaries, it can be done throughout the year. The nightlife in NYC throughout the year looks magnificent and unbelievably beautiful. The night charm of New York City is full of entertainment. Manhattan is a popular area where you are going to get hundreds of street sidebars along with discos and pubs. Most of these pubs and disc are remain open for the whole night. If you want to spend your whole night, focus on Manhattan city to enjoy your entire night with good food and drinks. Best Time To Book Hotels New York is one of the most expensive places to visit in the world, so one should make plans beforehand. You must find out the best hotels in New York or the best hotels for a family stay in NYC.  You can Google or use apps to find out the best hotels in New York.   Best Time To Do Shopping In New York New York is famous for its bargain market. At most shopping plazas, sales are available at least twice a year in New York. So there is no such great time to go shopping in New York. New York is famous for shopping, so don’t worry, you are likely to meet any of the sale seasons whenever you visit are heading towards New York.  Brookfield Place is the best shopping plaza for travelers. And Manhattan is the best place where you get the whole package of the entertainment shopping mall to restaurants everything is present in the same place. Best Time To Avoid Crowd In New York  People usually do not like to visit New York during the chilly winter months that is from January to mid of March. Usually, most of the families going to New York do not like to get into the crowd, or it is actually difficult to go sightseeing in very winter and the crowded places in New York. The plus point of going to New York during crowd time is that you will get air tickets at a cheap cost, plus the stay in New York would be cheap. New York City Events And Festival  As I have already told you beforehand the new York is a great place to be all throughout the year. But especially the events and the festival of New York City make the place even more charming and cheerful. Let’s Start month-wise, this information is something which I collected when I went to New York. Best Things To Do In New York In January There is always something or the other going on in New York throughout the year. But in January, some special events happen in New York. Out of everything that happens in the January season, I have chosen some of the best things to do in New York in January.  New York is anyway famous for its Jazz Fest, which is held in more than 11 venues. Birdland and Blue note are the most famous jazz pub in New York. In the entire month of January, there are at least 100 shows that are put up. There some Broadway shows.  You can attend the Broadway show with one more person paying for one person.  In the month of January, January is the best month to enjoy food, during this month. An entire week is solely dedicated to the Restaurants, which is why this week is called Restaurant’s week in New York. Best Things To Do In New York In February As of February sets in the fashion week sets in New York, It is actually great to find out about New York’s Fashion Week which is held in the month of February. All the best Designers of the world showcase their masterpieces in this fashion week.  * The March and April months remain quite less-festive, there is barely any such eventful event that you will be covering in your visit. Then again the events set in from May month onwards.  Best Things To Do In New York In May The three major things that happen in the month of May are the Ninth Avenue International Food Festival, Washington Square Outdoor Art Exhibition, and Fleet Week. These events are taking place in New York in the month of February. These three festivals are facing innumerable visitors from all over the world. Hence, these events are famous all across the world. worldwide, so do not forget to visit this event to get a worldwide traveling experience. Best Things To Do In New York In June And July This is the peak time when a lot of people fly to New York, so the most amazing events are hosted at this time. The events are Belmont Stakes, Pride Festival and March, Shakespeare in the Park, NYC Restaurant Week, Lincoln Center Out of Doors Festival.  Best Things To Do In New York From September To December This is the best time to visit New York and is famous for the festive season, right from festivals to celebrations. There are many best things which you can do in New York from September to December. Such as the village Halloween Parade, Rockefeller Center Tree Lighting Ceremony, Ice Skating Rinks, Holiday Window Displays, New Year’s Eve at Times Square, New Year’s Eve Fireworks. These all are the events of New York which New York events are make helping to make the mood of the travelers. This time the aura of New York amazingly becoming unique and lovely.  New York has many places that people are unaware of. But if you are in New York, then do not forget to visit Maryland and Manhattan. It is advisable to make a wise decision by choosing the best time to visit New York according to you. These places are extraordinarily beautiful, and there are many things to do in New York, which I will discuss in my next article. If you like this article, then keep tuned in to Tour and Travel Blog for more insights on New York. FREQUENTLY ASKED QUESTIONS (FAQs) What is the cheapest month to visit New York? As you know the cheapest month of the year that is suitable to visit New York is from January to March. In these three months the costs of both flight and hotel are average for the whole year.  Where should I stay for my first trip to New York? Here is a list of places, Middle Town Upper East Side Chelsea and Greenwich Village Soho and Lower East Side Queens How many days do you need in New York? You actually need three days to see the main things in New York. If you want to cut the three days in two, that can be done as well. Should I stay in Times Square? Absolutely, with no doubt. The main reason to stay in Times Square is for the location. You are basically in the heart of the city. It's a tourist attraction. At night it is perfect for walking with holding hands with your loved ones. You May Also Like:  Top 7 Places To Visit For An Asian Solo Traveler Top 7 Nantucket Beaches For Tourists In Massachusetts 10 Things To Do In Bogota – You Must Know Before Going

BY Ariana SmithJun 11, 2021

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? 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 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: 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 purchased trip insurance soon after booking your flight, 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. 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: 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. Read Also: Improve Your Travel Experience By Hiring A Limo 5 Secrets On How To Travel Light – Travel Hacks How To Fund The Cost Of Travelling