Travel Insurance: What Is It and Why You Should Get One

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?

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

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:

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 were sensible and weighed up the pros and cons of various providers in order to get travel insurance that works for you, then 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, it’s just about what extras you may or may not need depending on where you’re travelling.

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:

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.

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Ariana Smith is a blogger who loves to write about anything that is related to technology, She also has interest in entrepreneurship & Digital marketing world including social media & advertising.

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Getting the Best from Maldives Tour Packages

BY Ariana SmithMar 16, 2019

When you are planning to travel to the Maldives tour, it is crucial to understand the time when the season is high or low. This knowledge will help you to determine when to get the best packages from the tour. The mistake that most people make is traveling blindly.   Timing is Key   The monsoon usually runs between May and October and peaking in June. It is worth sticking to the dry season and paying higher prices because there is nothing to do during rainy seasons. If you choose such a time, you will have to drink, scuba dive, or work out.   It is good to choose a time when you will get the best from your Maldives tour. You need to choose among the Maldives tour packages for the best option. You can have something for the vibrant coral reefs, pristine turquoise waters, and sparkling sands.   You will get it all when you take a holiday at the Maldives as you will have a multitude of exciting activities to do. These packages give you the chance to explore a colorful and vibrant world. You will also explore the underwater world and soak in the sun, perhaps.   It will also get an opportunity to bask in the best world beaches. The Maldives is a little paradise and home to the best holiday resorts. This attribute makes it the best getaway for families and couples. You can be sure of having an excellent experience when you visit the Maldives.   Visit Addu Atoll   When at this destination, you do not have to forget to visit the beautiful Addu Atoll. It will allow you to watch the sun sink while on a boat cruise. You can also give yourself a treatment at a spa while on tour.  You need to pick the best Maldives tour package and ensure that you benefit from your trip. The region has several options, but you have to do your homework well to choose the best. It will give you the best experience and value for your money.   Maldives tours is also called the pearl necklace of the ocean. It is good to know all these names so that you don’t confuse yourself in any way. 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The reason is that there is so much that you can do, but most tourists are operating under strict timelines. Even the locals find it hard to experience everything that the Maldives has to offer.   The secret is to identify those activities that interest you most. The beauty of Maldives is that it has everything for everyone. All you need to do is do your homework well, and you will be good to go.   Best Season for the Maldives Visit   According to Maldives tourism, it is best to visit the Maldives from December to April. The weather is always dry and pleasant for all beach activities. Therefore, you will have enough time to tour the area with minimal disturbances from nature.   No or little rain showers make this season ideal for you as a tourist. The only challenge is that this time is considered to be the peak in the Maldives. 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The region has so much to offer, especially for water activity lovers. To get the most from this adventure, employ a reliable travel agent to take you through.   Read More : Five Tips for First Time Traveler to India 15 Unexplored Destinations in India Worth Visiting Discovering The 11 Most Beautiful Places Of Adventure In The World

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Preparing For Spring ATV Riding: 5 Helpful Tips

BY Abdul Aziz MondalApr 12, 2023

It’s almost that time of year. Temperatures are rising, plants are blooming and riders everywhere are getting ready to get back out on the trail. ATV riding season varies based on the location and local climate, but it usually begins shortly before Memorial Day and lasts until mid to late September. But you need to do some prep work before taking your off-road vehicle for a spin. It’s likely been several months since your last adventure, and your vehicle and safety equipment needs to be inspected to make sure it’s safe to ride. Prepare for spring ATV riding with these essential tips: 1. Inspect Your Bike Hopefully, you cleaned off your ATV before you stowed it away for the winter. Excess moisture can lead to rust and other structural damage. Rodents and other pests can also wreak havoc on your equipment. Inspect the vehicle thoroughly for warning signs that it needs to be repaired. Tighten the chain and/or belt, replace any broken wires, and refill/change your fluids, including the oil, transmission, and coolant. Pump the tires and look for weak spots that could leave you stranded with a flat. Cold weather can also damage the battery. Power it on and check the various electrical inputs to make sure it’s working properly. You can also test the power output to see if the battery needs to be replaced. If the vehicle is in need of repair or you’re not sure if it is safe to ride, take it to a mechanic for some peace of mind. 2. Stay Connected [caption id="attachment_9391" align="aligncenter" width="1000"]                                                                                                                      Source: Locomotive74/Shutterstock.com[/caption] Everyone needs to wear a helmet when riding. Give your safety equipment a once-over as well. Your helmet should still fit and stay securely attached to your head. Some materials can shrink in the cold, which could affect the fit and your comfort level. Inspect the chin strap for damage. And try it on to make sure it still attaches. Watch out for rips or holes in your gloves, boots, and clothing. These items will only last so long before they lose their protective qualities. Stock up on ATV riding gear to get everything you need to stay safe on the trail. Pair your helmet with an off-road communication device to stay connected to the other members of your group. You can communicate hands-free while you focus on navigating uneven terrain. Don’t worry about resetting the device when you fall behind. It will automatically reconnect to your companions when you are in range, so you can keep the conversation going. Use this technology to safely navigate to your destination and avoid using hand signals that can distract you from the task at hand. 3. 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Many parts of the country are warming faster than usual, which is causing water levels to rise. Have a paper map of the area on hand and mark your route beforehand to stay prepared. 4. Dress For The Occasion Plan out what you’re going to wear on the trip as well. The temperature can easily go from chilly to warm and back again in a matter of hours. Wear a light moisture-wicking layer that will absorb the sweat so you don’t get drenched during your ride. Keep an extra layer or two on your person in case it starts to get cold again. Keep your skin covered to protect yourself from the sun, trees and pests. You may want to wear a backpack in case you need to change your clothes mid-trip. With spring comes April showers. Have a waterproof jacket on hand to stay dry in the rain. And avoid areas that might be prone to flooding to make sure you can get back the way you came. 5. Prepare For The Unexpected Overall, spring riding means dealing with the unexpected. The weather can change on a dime and excess moisture can make for slick riding conditions. Sudden snowstorms can down trees and render some areas of the trail impassable. Nature is full of surprises, so remember to keep your eyes out for anything unusual. Keep in touch with the landowner or park ranger to stay abreast of any changes in the environment that might affect your trip. Use your wireless headset to communicate with your companions so you can avoid areas that might not be worth the risk. Get Ready To Ride ’Tis the season to get back on your ATV. Use these tips to prepare your vehicle for the ultimate outdoor adventure and make this year’s ATV riding season the best one yet. Additional: 10 Best Places To Travel In March – Travel Guide 2022 15 Best Places For Adventure Dates With Your Loved One Best Kentucky National Parks In the USA You Should Know About

READ MORE Nordstrom Cafe

Nordstrom Cafe – Reviews, Special Menu, And Price

BY sagnika sinhaDec 29, 2021

In a busy life where we hardly have time to reserve a seat in a restaurant and have a family dinner. We somehow manage to get some time out for A quick lunch and dinner over office meetings or a meeting with an old friend. Instead of restaurants, we choose cafes.  The number of cafes is bigger than restaurants, the business runs well if the food is good enough to eat. Restaurants on the other hand are expensive and like I said people barely have time to spend hours with families nowadays. Therefore a quick treat to the family happens mostly in cafes.  Nordstrom cafe is among one those cafes that will never leave you unsatisfied, rather will bring you back to their delicious food. It is located in Oak Park Mall, overland park, Kansas. It is an American cafe. In this article, I will talk about the reviews, menus, and prices of each cuisine. Readers, I assure you that after reading this article you will at least once visit the cafe. Let’s dive in. Nordstrom Cafe - Reviews Image Source If you get good food the money doesn't feel like it has been wasted. But whenever you expect something good and obviously don’t get it, it is quite natural to give bad reviews to cafes or restaurants, stores or anything.  Reviews of Cafe Nordstrom are mostly good but like every other cafe, it has its negative side. People praise good food, therefore a cafe must focus on this factor the most, other sides of the cafe can be managed with time. Nordstrom cafe offers finger-licking good food and a good ambiance to sit and eat. The place is clean enough, where you won't feel grossed out. Since we are talking about a good environment, let me tell you that the place is not quiet, as it is inside a mall. People of different ages come there and have their break in the middle of shopping.  The service is pretty slow there as a staff has to handle a lot of tables at the same time. It is definitely not a pet-friendly cafe, so moms and dads of furry babies don’t feel bad you can make them deliver at your address. The Staff there are mostly students and have good behavior. And the place is vegetarian friendly You can also check: 90 Miles Cuban Cafe – Reviews, Special Menu, And Price Nordstrom Cafe -Special Menu Nordstrom cafe menu includes kids menu as well. They offer meals for kids along with a healthy snack of raisins and fresh fruits. For drinks, they have milk, soda, or juice. Apart from that, they serve grilled cheese sandwiches with tomato soup, macaroni, and cheese, chicken fingers, pasta with the kid’s choice of sauce.  In the section soups, Nordstrom cafe serves Roma tomato basil soup and soup du jour. That's all they have, for now, hope they add more soups, as in the middle of shopping no one really goes for a heavy meal.  They have a salad section that includes Chinese chicken salad, grilled shrimp with arugula salad along with sweet corn, blue cheese, and pear salad, grilled chicken caesar, Nicoise salad, and grilled chicken with strawberry salad.  They also offer pizzas that only have three flavors, Margherita pizza, grilled bruschetta pizza, and pizza di parma. They come in all sizes.  If you look at the next cuisine that is going to be sandwiches, I will tell you what types they serve. There are many options you can choose from, such as turkey club panini, horseradish roast beef, spicy chicken torta, cranberry turkey, chicken mozzarella ciabatta, mozzarella Caprese sandwich, and roasted vegetable panini. In pasta, they have shrimp and asparagus risotto, penne bolognese, chicken, and artichoke pasta and the menu of pasta ends with chicken pasta Rossa.  The cafe has its specialties, and they are damn good at it. The special menu is Tuscan roasted chicken, Tuscan roasted salmon, and grilled skirt steak chimichurri.  Nordstrom Cafe - Price Image Source The kid’s menu is in the range of 5 dollars.  The price of soup depends on the cup and bowl. For a cup, it’s 3 dollars and for a bowl, it’s 4 dollars.  For salads, the price starts from 9 dollars to 12 dollars.  Pizza will cost you under 10 dollars.  Sandwiches and panini will cost you under 10 dollars. Pasta will cost you 11 dollars. The special menu in this cafe will cost you 13 dollars.  The Unique Aspect Of It All! Let us talk about the different food items that you can get in the Nordstrom Restaurant! It is one of the unique places with delicious food that is a level apart from others. For example, let us talk about the boring food items of potatoes, bread and beef which make it so interesting. The item has so much texture and flavours that you will be excited once you eat it! In the Bistro Flat Iron Steak Sandwich which costs about 13 dollars you will have a fulfilling meal along with a comfortable yet adventurous taste. They offer lean meat which is impressively tender with crispy leek straws and gruyere cheese. The aioli has a fiery and lemony taste to it where there is a hint of pepper. The condiments that accompany this dish make it possible for me to appreciate the culture and the food! Let's come to sandwiches and soups through which the cafe has earned its name! It is relatable to comfort along with fun. There are some nice entrees that you must not miss such as seared or fried salmon which is accompanied with gazpacho, a type of salsa. There is also a French-style roast chicken which is very much in demand! The pizzas are equally delicious. Overall, you can realize that the diversity in food and culture has made Nordstrom Cafe what it is! Wrapping It All Up Here you go with all the information about the Nordstrom cafe. Like I mentioned in the introduction that people have less time on their hands to spend with their close ones. Therefore they will also avoid places that take their time.  Nordstrom cafes should work on their service because people will never come back to a place where their time has been wasted.  Food is great and will remain good, they might add some other dishes to the menu for you to have more options.  Therefore, visit this cafe in Kansas and leave a review there, as well as leave a comment in the comment section down below by sharing your experience. Hope this article has helped you in some way or the other. Read More: The Speciality Of Barnaby’s Cafe – Reviews, Special menu, and Price Three Dollar Cafe – Reviews, Special Food, Pet Friendly Cafe 7 Creative Truck Cap Camping Ideas To Use In Jungle Adventures