Top 10 National Parks In Oregon That You Need To Explore In 2024!

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 Nov 18, 2025

The Andaman Sea transformed into a spectacular canvas. The water started reflecting shades of violet, crimson, and amber. The experience was not just my eyes capturing some beautiful visuals. It was immersive. The tranquil setting, the chirpings of the birds going back to their nests, and the golden glow bathing everyone’s face, transported me to somewhere else. The crowded viewpoints on the beach were at a distance, and it was like the noise in my mind, which I wanted to distance myself from. This is how magical the Phuket sunset cruises can be. We seldom connect Phuket and a cruising experience there with something spiritual. However, if we allow ourselves, we can explore a different side of Phuket. In my mind, the lines of the famous Pink Floyd song were playing. “And as the windshield melts My tears evaporate Leaving only charcoal to defend. Finally, I understand the feelings of the few. Ashes and diamonds Foe and friend We were all equal in the end…” The sunset cruising was a kind of experience that made me feel one with the universe. Also, everything good and bad that happened in my life kept occurring before my eyes as a flashback. In this article, I will talk about the prime routes for the Phuket sunset cruises, how the surrounding elements define the experience, and every other detail you need to know. Prime Routes For Phuket Sunset Cruises The prime routes for Phuket sunset cruises offer diverse experiences. While the western coastline is about drama, the northern routes are surreal. Furthermore, the island-hopping circuits are more action-packed with itineraries including snorkeling and swimming. 1. Western Coastline The western coastline presents the most dramatic sunset vistas, with Promthep Cape serving as a legendary reference point. Promthep Cape, or the Laem Promthep, is on the southernmost tip of Phuket. The rocky outcrop here sets the stage, and as you climb it, you will see how the Sun creates magic on the waters of the Andaman Sea during the sunset hours. In addition, the panoramic view from the clifftop was amazing, and again, a famous quote came into my mind that when we see a problem from a distance, it looks smaller, but when we go close to it, it appears bigger and sometimes unbearable. Departing from Chalong Bay allows vessels to navigate toward this southern landmark while maintaining optimal positioning as daylight fades. The journey typically passes Rawai Beach and Nai Harn Bay, where protected waters create smooth sailing conditions ideal for photography and relaxation. 2. Northern Routes Northern routes toward Phang-Nga Bay offer a different perspective, with limestone karsts silhouetted against the glowing sky. These geological formations, such as the caves and lagoons, add depth and character to sunset compositions, particularly around Koh Panyee and the surrounding archipelago. The bay's sheltered nature ensures calm conditions even during monsoon transitions. If you want an added dose of adventure, you can take a canoe and explore the sea caves, inlet caves, and lagoons as the daylight starts getting softer and nature prepares for the sunset. 3. Island-Hopping Circuits Island-hopping circuits incorporate the following spots. Coral Island Racha Yai Khai Islands These itineraries typically allocate afternoon hours for swimming and snorkeling. Atmospheric Elements That Define The Experience As the Sun began spreading different shades of red and touched the waters of the Andaman Sea, I felt a subtle chill in the air. The midday heat was still there like the strongest perfume, the whiff of which remains on a shirt even after a wash. Within a few minutes, the transition in the weather became very prominent. The calm evening winds began to blow, infusing everyone on the deck with a sense of relaxation. I felt like that time stood still, and I quickly put on my jacket to be more comfortable in the moment. The jacket kept me cozy while I was still feeling the ocean breezes directly caressing my face and hair. Also, the color change felt like a 45-minute masterclass. At first, everything began to soften; the bright daylight took on a mellower tone, and then came the real drama, with intense saturation during the final ten minutes before dusk.  Finally, the lights were on, and the Andaman Sea looked most mysterious as the sky became dark. The blue hour, or the moments just after sunset, is dreamy in Phuket. There are aesthetic pastel tones everywhere, and the stars were becoming visible in the sky one by one. Standing on the deck of the water and with water everywhere around our cruise, there was very low light pollution. So, the stars and constellations shone the brightest. Thanks to this change of colors for an extended period, I could take some brilliant snaps. There was no rush, and I could experiment with my lenses and angles. Also, this extended timeline gave me enough time to cherish contemplative moments, and there was no rush. Companies specializing in yacht rentals in Phuket, such as DreamCharter, offer dedicated sunset cruise packages with professional crews managing navigation and timing to position guests at optimal viewing locations. Viewing Locations Open-water positioning west of the major islands maximizes unobstructed sightlines toward the setting sun. However, incorporating foreground elements such as traditional longtail boats, rocky outcrops, or palm-fringed shores adds compositional interest to photographs and enhances the overall visual narrative. Areas with minimal light pollution, particularly between islands or away from Patong's illuminated coastline, allow stars to become visible shortly after sunset. This astronomical dimension extends the experience beyond the sunset itself, creating a seamless transition into the evening. The combination of maritime mobility and natural spectacle makes sunset cruising a distinctive way to experience Phuket's coastal environment. Whether seeking romantic ambiance, photographic opportunities, or simply peaceful moments on the water, these golden-hour voyages deliver perspectives unavailable from land-based vantage points. November to April is the best season for sunset cruising in Phuket. Sunny days and clear skies make these months ideal for experiencing the beautiful transition of colors and stargazing after dark. Read Also: Three Of The Best Must-See Attractions During Your Time On The Thai Island Of Phuket 5 Must-Visit Places In Thailand: Should I Go To Phuket Or Krabi? Should You Choose A Luxury Resort In Phuket?

BY  Abdul Aziz Oct 5, 2023

Going on a hike up the infamous Stairway to Heaven Hawaii on the island of Oahu calls for in-depth preparation on your part. It is one of the most dangerous hiking trails. It is also known as the Haiku Stairs. In this article, you will find information on the hike’s history, current status, alternate routes, incline, security, distance, best weather conditions, helpful gear, and a guide to get there. History Of The Stairway To Heaven Hawaii lifeonearth.com In 1942, contractors for the U.S. Navy began the construction of the Haiku Radio Station. It was a top-secret facility that transmitted radio signals to Navy ships that were operating in the Pacific. To get the right altitude for the antennae, they stretched them across the haiku valley, which is like a natural amphitheater. You might still see the remnants of the wooden ladder beside the new metal steps. The radio station was commissioned in 1943. A stronger transmitter that could relay powerful signals was necessary. This could not be done with the vacuum tube technology used at the time. So they chose to go with an Alexanderson alternator, which uses a huge device that can generate powerful yet low-frequency radio signals. It would need a large antenna. When the Naval Air Station Kaneohe Bay was transferred to the Marine Corps around the 1950s, the U.S. Coast Guard used the Haiku Radio Station site for an Omega Navigation System station. In the mid-1950s, the wooden stairs were replaced by sections of metal steps and ramps. The total number of stairs stood at 3,922. The Coast Guard did not stop hikers in the 1970s but had to stop after it featured in the Magnum P.I. movies, which increased the number of visitors. The station as well as the trail have both been closed to the public since 1987. Recent History In 2003, plans were made to reopen the stairs to the public, and the cost incurred to repair the stairs was $87,500. The public access being shut down, residents found themselves surrounded by unknown faces of hikers and tourists and litter all around. In early 2018, the City and County of Honolulu released a statement to not open the stairs to the public, showing liability concerns. Some hikers, however, continued to trespass, which only strengthened the local community’s resolve to keep the structure closed to the public. The Friends of Haiku Stairs, a volunteer group that aims to preserve the trail, pitched that there could be an alternative to a no-trespass, safe public access to the trail without taxpayer costs. The trail now is a disputed one with all its beauty and thrill. However, it has not stopped the locals, hikers, and travelers from stealing past the guards posted at the bottom of the stairs. This hike is a strong dose of adventure, climbing nearly 4,000 steps along an 18-inch wide staircase to reach an elevation of more than 2,000 ft. Incidents squarespace-cdn.com The hiking trail is not a site for any major injuries or accidental Stairway to Heaven Hawaii deaths on the stairs. There have only been minor incidences in the last decade. However, between 2021 and 2022, there have been more number of injuries and rescues of hikers trying to get to the top of the stairs. The rescues have mostly taken place for hikers going through the Moanalua Ridge, which is the longer and more difficult of the trails. Many hikers are rescued “near the Haiku Stairs” and not the Hawaii Stairway to Heaven itself. In 2014, 6 people were arrested, and 135 were quoted to have climbed the stairs. According to the City Prosecutor's Office, a criminal trespass in the second degree carries a $1000 fine. The Stairway To Heaven Hike Hawaii: My Experience The Stairway To Heaven hike on Oahu, Hawaii, is possibly the biggest attraction on the entire island. A grueling number of 3,922 stairs go up to the imposing mountain ridge. Most of the time, the incline is vertical, with only a handrail to save you from falling into the valley below. It sounds dramatic, but it is what it is. But it isn’t too dangerous if you are prepared for it. Distance: 2 miles or 3 km round trip Elevation Gain: 2,630 feet or 800m Duration: 2-3 hrs up, 1-2 hrs down We started out by being dropped off in the neighborhood at 2 am in the morning. It was a clear night with just a few light clouds hovering over the mountains. As soon as we got out of our car, a resident came rushing out of his front yard, yelling at us. Thus, startled by the old man, we hurried away to the “main entrance” to get our eyes fried with a beaming flashlight. The Trail We silently went off in the opposite direction toward an alternate entry point, keeping in mind that the old man quite possibly called the guard or the police to warn them about us. We were thrilled by the idea of being caught and afraid of being caught, actually. Walking through the neighborhood as quietly as possible, the barking of dogs totally blew our cover, making our presence known. We ran down the street to a small alley that led up to the hill. We had to cross over the barbed wire fence, which was close to a residential area. It is understandable why the residents are so annoyed with trespassers. From here, we had to steal past the knee-high undergrowth as quietly as we could go. We were nervous when approaching the guard, understanding that we had trespassed multiple sites that were strictly no-go. As we approached the red car of the guard, we found that no guard was around. We walked past it and towards the stairs. As we ascended the stairs, we finally felt relieved to think that the police or guards didn’t go after the trespassers on the stairs. On The Stairs change.org We felt much safer, and we could now enjoy our 3 a.m. hike along the Stairway to Heaven. In 2015, a storm damaged many parts of the stairs to the point where they could not support use. It is not dangerous per se, but it makes your ascension more thrilling. A few of the steps were loose, and we had to keep that in mind while treading on each of them. We did not have headlamps. We followed the full moon up the narrow and damp stairway. I managed to keep looking back to see the highway, which kept getting smaller as we went higher in order to reach platform one. Grasping the slippery railing tightly, we made our way to the second platform, where an abandoned cabin lay with old machinery inside. It looked straight out of a post-apocalyptic movie. Another two hours went by, and we almost reached the summit. The final section of the hike consists of boards instead of stairs, which make it a catwalk at 2000 ft. in the air on top of a sharp ridge. At The Top squarespace-cdn.com At the summit, we found an old cabin with huge antennae on top. We moved around the space on top among the clouds. We then returned to the bunker to wait for the spectacular sunset this place always has. Putting on a fresh pair of dry shirts and jackets made the experience much more comfortable while at the summit. The sky became a pale blue and then shades of purple. With that, the sun came tearing through the haze. It shone yellow and gold over the Haiku Hawaii Valley. Many others witnessed the sunrise along with us, who began their descent once the spectacle of the sunrise was over. One of the trails downward is the Moanalua trial, which is a 6-mile route, but you can miss out on the views. It also helps you avoid the guards if that is your main issue, but it is 3 to 4 times longer than other routes. The hike down was a treat for photographers. We were in no rush, so we got down at our own pace, taking in the views and shots for our socials. It feels amazing to have ascended in the dark and then descending in broad daylight. It took less than 2 hours to reach the bottom. We saw the guard’s red car where it was in the morning, but this time, we took the risk and did not avoid it. The Guard Below .journeyera.com Meeting guard, he joked, saying, “I’ve called the cops, they must not have come,” as he began laughing to himself. His sense of humor eased our anxiety. He gave us the look of get-out-of-here-before-you-get-caught, and we crept away on queue. The situation has become much more serious in the recent past, so the guards may not be as friendly as they were. Be careful if you go in 2023. At the final gate, we saw no signs of police or angry residents. We were free! We could not believe we had just hiked the Stairway to Heaven Hawaii! This is truly a place for one and all. It looks like the real version of Jurassic Park. It is dreamy as well as eerie. You can totally attempt this hike if you visit Oahu. Try to have someone who has visited before guide you through this hike if you visit here for the first time. Alternate Route thatadventurelife.com The alternate route is the Moanalua Trail. The route is 9.3 miles in length. It gets you all muddy and is not the easier option, either. It can help you avoid the guards at the beginning of the trail. But it is not hassle-free. It all depends on when you go and how well-prepared you are for any kind of situation. Things To Pack For The Stairway To Heaven Oahu Hawaii Hike Going unprepared for the hike is one of the biggest mistakes you will make. You must have the basics and stay prepared for bad weather. Here is a list of essentials you must consider among everything else. Arcteryx BETA AR Rain Jacket: This is the rain jacket of your dreams. They are super light. They will fold into the tiniest ball and save you from the harshest storm. Salomon X Ultra 3 Mid GTX Hiking Boots: For better ankle support on that 400-step long hike, waterproofing and toughened exterior are necessary for your boots. These Solomons can easily be your best buddy. Black Diamond Head Torch: In case you return incredibly late from your hike and it gets dark, a headlamp will help you as nothing else will. Keep this one handy for sure. Darn Tough Socks: These will be the most comfortable hiking socks you will own. They don’t wear out easily, either. They have a lifetime warranty. You simply send them with any sign of wear and tear, and they will replace it without further questions. Frequently Asked Questions (FAQs): Here are some common questions people ask about this hike, take a peek: 1. How Did The Stairway Come About?   The stairs were originally built in 1942 by the U.S. Navy as a top-secret facility to transmit radio signals to ships that were sailing in the Pacific Ocean. The stairs went public, deeming it fit until 1987, when it became dangerous due to disrepair. Residents of Oahu have fond memories of hiking up the stairway to heaven legally a long time ago.The city of Honolulu reportedly spent almost a million dollars in renovating the stairs and considered re-opening the stairs to the public in 2002. Resident complaints and safety concerns halted the re-opening, and the stairs have stayed closed ever since. 2. What Are Some Of The Other Places To Visit In Oahu? You could take a helicopter flight tour without the doors. The view from above will blow you away. A shark cage tour can ensure you don’t talk about thrilling adventures for another year or so. It will give the adrenaline rush like no other. Ecofriendly dolphin and snorkel tours are also available. Wrapping Up The Stairway to Heaven Hawaii trail is dangerous when seen from below. It is only when you undertake the hike (with proper planning and preparedness, of course) that you understand it is not as daunting as it looked. All you need is a thirst for thrill and sharp wit that comes in handy when you go face to face with adversity. There is also the added fear of strict laws around the hike, which will keep you on your toes. Let us know if you visit this amazing trail. And if you have questions or thoughts to share, please leave a comment below. We would love to hear from you! Read Also: Portals To The Unknown: Exploring Natural Gravity Vortex! The Perfect Getaway: Discovering The Closest Beach To Disney World! Walking On Sunshine: Exploring The Magic Of Vietnam’s Golden Hand Bridge!