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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 Oct 28, 2024

With mountains, faults, monoliths, deserts, and unique geological formations, Joshua Tree National Park has emerged as an important ecological hub of California. Further, as the name goes, the park has the most amazing Joshua Tree, a Yucca palm species that became famous with the Joshua Tree album by U2.  Spanning 800,000 acres and situated at 5000 feet above sea level, this national park is like a natural tapestry. Further, 85% of this national park is still pristine wilderness. So, there is no wonder that a place like this harbors the best secrets and fun facts that are yet to be explored.  Here, I will share some amazing info about the park’s history, fossils, cryptobiotic crusts, and more. Joshua Tree National Park is about to complete 30 years of its designation as a national park on 31st October 2024. President Franklin Delano Roosevelt designated it as a national monument in 1936. Things No One Talks About Joshua Tree National Park  The basics are boring! There is no fun in visiting a place that does not have stories to tell. However, this national park, designated in 1994, has mountains and ecological units that echo the tales of history, changes, and humanity.  Let’s get into the stories, but before that, let me give you a brief account about when and how to visit the park. September to November is the best time to explore the park due to pleasant weather conditions.  Further, the Annual Night Sky Festival occurs in the park in October. It’s a delightful experience for people of all age groups. Thomas Crochetiere writes many fascinating stories about Joshua Tree National Park in his “The History of Joshua Tree National Park: A historical, informational, and educational timeline of Joshua Tree National Park.” If you are interested in the park’s history, you can grab a Kindle edition of the book.  1. Fascinating Historical Tales About Joshua Tree National Park  Human history in Joshua Tree National Park is as old as 15000 years. Two archaeologists, William Campbell and Elizabeth Campbell, further discovered the existence of Pinto culture in this park. Pinto Culture In The Park  People belonging to this Pinto Culture used to stay in cool grassland environments here, and they were primarily hunters. Pinto culture in the national park was discovered by archaeologists thanks to the triangular-shaped spears, scraping and cutting tools, and seed-processing tools.  All the implements that established a Pinto connection to the place indicate that the Pinto people led a bohemian lifestyle. Along with hunting, they also practiced seasonal harvesting.  Native Americans Occupying Joshua Tree National Park  Europeans came to Joshua Tree National Park in the late 18th century. However, the park had three groups of Native Americans. They followed the Pinto culture, thriving locally in the park. These three tribes were: Cahuilla Serrano Chemehuevi The Chemehuevi tribe was the latest to occupy the national park, and they came to this park from the Great Basin of Nevada in 1500.  All these tribes adopted the tools of the Pinto people, and they improved and diversified them.  Cattlemen First Occupied The Joshua Tree National Park  Joshua Tree National Park has every element of a Western movie. The western side of the park had higher elevations during the 1870s. These areas also received a higher rainfall and had different species of native grasses.  As a result, many cattle owners used to flock to these parts of the park for cattle grazing.  William “Bill” McHaney was the earliest cattleman in this park. He was a legendary figure, and he took his Texas Longhorns to these higher valleys. He will be known for living in the national park and exploring the area for around 60 years. Further, his brother, Jim, built a gang to steal cattle from Mexico and Arizona.  Discovery Of Gold In Joshua Tree National Park  The 19th century was the biggest highlight in the Joshua Tree National Park. Miners flocked to this park in great numbers for the discovery of gold. Twentynine Palms was the first area to have mining expeditions in the park in the late 1860s.  The presence of water in the Oasis of Mara was the main reason behind extensive mining expeditions at Twentynine Palms. Gold was collected from dirt using dry washing. The process was fun, and it involved throwing dirt mixed with dust into the air. The dirt was caught as it came down in the air, and this process continued until the mix only had gold dust.  Desert Queen Mine was a more successful gold mining venture in the park. It was Frank L. James, an employee of the Lost Horse Mine, who discovered the vein of gold in the Northern Queen Valley. Unfortunately, he had to lose his life at the hands of  Charles Martin. Martin was a part of the notorious cattle-rustler gang of Jim McHaney. Jim McHaney was the brother of William “Bill” McHaney, a legendary figure in the park.  Joshua Tree National Park Had An Important Role To Play During World War I  The dry, desert climate of Joshua Tree National Park was beneficial for the war veterans suffering from the effects of the mustard gas. This gas was so lethal that it had to be banned after World War I. Did You Know?The Geneva Gas Protocol Treaty, signed in 1925 by most countries, banned the use of biological and chemical weapons in war.  Germans introduced mustard gas in 1917, and any contact with the gas used to cause skin burns, blisters, and respiratory problems. Patients hit by this gas needed to get hospitalized for the treatment of chemical burns and respiratory issues.  Moreover, the survivors of the mustard gas attacks had greater risks of developing cancer.  2. Fossils Of Joshua Tree National Park  https://www.instagram.com/p/ClHXsRDS2Xq/?img_index=1 The fossils in the Joshua Tree National Park tell us about the geological evolutions, extreme natural events, and biodiversity. So, what were the animals that roamed here when the earth was a cooler and greener space? Let’s have a look at the list below.  Columbian mammoths Dire wolves Camels Horses Llamas Giant ground sloths Saber-toothed cats  Bison American Pronghorn Did Dinosaurs Live At Joshua Tree National Park? Scientists believe that Joshua Tree National Park had dinosaurs. Some of the oldest rocks in the park are from the dinosaur era. However, being metamorphic and igneous, these rocks could not preserve the skeleton of the dinosaurs. So, there is no “black and white” evidence regarding the existence of dinosaurs in the park yet.  The oldest fossil found in the park is the tooth of a pocket gopher. It was found in a 7.8 million years old sediment. The park has many other microfossils that are even older.  Moreover, the midden of the pack rats has been a gold mine for finding plant and insect species. At least 12 species of plants were found in the midden, and the oldest was around 30,000 years old. In addition, the darkling beetle fossils in the midden come from various ages. The oldest dates back to  34,000 years ago, and the latest is as old as 1000 years old.  Above all, the human artifacts and bones collected in this midden speak of human history and the evolution of their lifestyle.  3. Cryptobiotic Crusts Of Joshua Tree National Park  What are cryptobiotic crusts? They are hidden biotic organisms present on the surface of the park soil. Blue-green algae or cyanobacteria are the leading cryptobiotic crusts at Joshua Tree National Park. The other forms of cryptobiotic crusts present in the park soil are: Mosses Lichens Microfungi Bacteria Green algae Now, these cryptobiotic crusts are important to bind the sand and soil particles of the park together. In other words, they prevent soil erosion caused by wind and water.    4. Spiritual Stories And Symbolism Around Joshua Tree National Park “The Joshua Tree” album by Irish band U2 brought the spiritual connection or symbolism around the Joshua trees in the park under the spotlight. The album explores the gap between the promised land and the real land of America. The desert also stood for the desolation of the soul, while the Joshua trees, surviving in extreme weather conditions, became the symbol of hope and prayer. However, you must go back around 180 years to trace how Joshua trees have always been associated with symbolism and Biblical stories. In the 1850s, the Mormon pioneers crossed the Mojave Desert and saw these trees.  The upraised branches of the trees reminded them of Joshua, who stretched his arms to the sky for prayer and led the “Israelites into the Promised Land.” So, this is how these Yucca Palm trees got their new name.  5. Joshua Tree National Park Is The Best For Stargazing  As International Dark Night Sky, Joshua Tree National Park is one of the best places in California for stargazing. The following parking lot areas are best for Joshua Tree National Park stargazing. Hidden Valley Ryan Mountain Quail Springs Cap Rock Along with these places, you can also choose Pinto Basin for an amazing stargazing experience.  How To Reach Joshua Tree National Park? Joshua Tree National Park has three entrances. The table below details these entrances and will help you pick the right one based on the location you are traveling from. Park Entrance GateLocation Ideal For Tourists FromWest EntranceAt Park Blvd Off Highway 62Los AngelesPalm SpringsSan DiegoNorth Entrance29 Palms, Off Highway 62Las VegasSouth EntranceCottonwood Spring, Off Highway 10Salton Sea area The West Entrance is the main entrance to Joshua Tree National Park. You must drive through California Highway 62 or Interstate 10 road to reach here.  Further, if you are traveling by air, you must reach Palm Springs Airport, and from there, you can rent a car. The Los Angeles International Airport is also 150 miles away from this park.   Also read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. From Cocktails To Kickflips: Must-Try Activities In San Diego.