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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 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.

BY  sagnika Oct 5, 2023

Were you planning on a trip somewhere? Are you someone who likes spookier experiences? Want to experience something out of the blue? Check out the natural gravity vortex locations in this article. Reverse gravity, or having gravity at a certain angle, shows how water can flow upwards or humans can stand at a weird angle. In the article, I will highlight the concept of reverse gravity and how it questions Earth's natural events and elements. The natural gravity vortex locations are natural phenomena that can often be misinterpreted regarding aliens or ghosts. It questions the sanctity of scientific research and development of human beings! Read the article to learn about different Earth places with natural gravity vortexes. The Gravity Vortex Was Sometimes Considered Paranormal, But It Is A Natural Development! Often, scientists associate a black hole with the gravitational vortex! The existence of a gravitational vortex means going reverse with gravitational pull. It also questions the general relativity theory of Albert Einstein! Like a dark hole, plunging everything inside itself can be identified concerning the gravitational vortex! Is the gravitational anomaly occurring in Oregon Vortex or Santa Cruz Mystery Spot in the United States bound to suck everything in? No, the experience you will have in these places is more relatable with standing at an odd angle or objects staying at an abnormal angle! Humans and things are supposed to fall in weird angles, yet they don't! It proves that these anomalies are more of an angular development where reverse gravity ensures that your climb is more relaxed, or a car moving uphill is more of a relaxed movement than an experience that is forced and takes a lot of effort. Portals To The Unknown: Exploring Natural Gravity Vortex! In the 17th century, Isaac Newton, an English Physicist, discovered the concept of gravitation, which ensures that everything falls! We walk instead of fly, or everything goes down instead of up! However, some gravitational anomalies prove that there are more things in the world than we know. The locations where such geographical anomaly occurs are considered a place that does not follow the law of physics. The question arises concerning the natural elements around us while people create legends, folklore and spooky background stories to justify the place, event or experience. The technical interpretation of the event or the experience of gravitational void or reverse is where objects push against or away from each other. Under certain contrived circumstances, gravitation is reverse or void, leading to places that represent it. A Geographical Anomaly! Mystery spots are what natural gravity vortex places are called! A geographical anomaly is good; it shows phenomena different from what we already know. However, the point is to understand why it is happening. We are far behind on the whole aspect! The brain of a human being is a mysterious place to be, but the irony is that it cannot accept unnatural objects, events or happenings! A geographical anomaly raises questions such as aliens, ghosts, magnetic forces, extraterrestrial entities or otherworldly portals. The anomalies mostly tend to evoke shock and curiosity among people! People sometimes want to experience them, especially if the whole place is made up of an amusement park, hike, or trail, but at times, it can be difficult for them to accept it. Places Where Gravity Does Not Work! Based on everything around us, gravitation is an integral part of our nature and lives! Without gravity, we will float in the air instead of walking on land! There will not be any semblance to our lives, especially with construction, housing, transportation and much more. Places where the law of gravity is not followed by nature are present worldwide! Water moving upward or a heavy boulder staying at an unnatural angle without rolling down the slope are signs that they are in a gravitational vortex! No one knows how the vortex came to be. Thus, it is spookier! When you enter these regions, you feel like you have come to an unknown world through a portal. Even animals are scared of crossing the region, confirming the suspicion of spookiness! I am listing down some of the places where gravity does not work! Oregon Vortex, United States A roadside attraction in the US, the Oregon Vortex is located in Gold Hill on Sardine Creek. Several interesting facts will question your understanding of gravity, thus leading to optical illusions. Sometimes, the proprietors claim these are the paranormal properties across the area. It is one of the oldest gravitational vortices discovered and gives a sense of a strange world, especially when there is no relatability with natural phenomena! The construction at that location proved something different concerning the place. The natural physical facts were reversed, along with Amerindians calling the site a forbidden territory. Even travelers observed that the horses did not want to cross the region. The plumb lines, bubble levels, yardsticks and balls rolling uphills prove the point. There is a Mystery Shack also known as house of mystery Oregon to prove the vortex and the abnormalities; in other words, it is a tourist trap! It is popular for Roadside Americana. Mount Aragats, Armenia The mountain is a beauty that will blow your mind! Located between Armenia and Turkey on the borders, Mount Aragats is a tourist attraction with thousands of travelers yearly! The anti-gravity phenomena across the gravity hill are incredible to witness! You will further experience the gravitational vortex when you put a car into neutral, and without a driver, it will move upwards on the hill! At the foot of the mountain, if you switch off your car's engine, it will automatically go up all on its own. The mountain is an isolated volcano massif with four peaks! You will also observe that there is a river near the mountain which flows upwards. People visiting this place have been informed that they find climbing up rather than down easier due to the vortex! If you travel there, you will be fine as the roads are quite well maintained. Reverse Waterfall, India There is a natural gravity vortex near the Deccan Plateau and the Konkan coast in India! The reverse waterfall is located across the popular mountain range known as Nana Ghat or Naneghat in Maharastra. It will take around 3 hours to drive from Mumbai! There is a trek across the mountain range which you can try, which will take you to the reverse waterfall! The waterfall is just magical, especially when the strong winds push the water backward. There is a 130-foot height difference between the rock below and the water's origin. The gravitational pull of the Earth is not active here. Hence, the water goes upward in this place. While traveling there, the last stretch of the road is bumpy and narrow! The best time to visit the waterfall is during the monsoon as it is during this season that the wind speed is at the highest! Try to return from the location by 4 p.m. Santa Cruz Mystery Spot, United States One of the secret spots in the US, Santa Cruz Mystery Spot, was first discovered by a group of surveyors in 1939. They later opened this place up to the public in 1940! It became a popular visiting spot, especially when it is a strange, weird, but interesting experience! The location is Santa Cruz, just 150 feet from the circular site deep inside the Redwood forests where people walk but look like they are leaning over! The lean is so abrupt and weird that it feels like they will fall anytime, but they don't! The location is a 45-minute guided tour where you can go on a hiking trail! Along with the mystery spot, there are gift stores where you can get something. The whole experience will be exciting and refreshing! There are many theories related to this spot. However, more is needed to come up with some evidence. Some say that metal cones have been buried in the earth to become earthquake-guidance systems for outside spacecraft! While others say the whole spacecraft is there! People keep connecting this anomaly to something extraterrestrial, especially when they have no justified reason except the gravitational vortex! Spook Hill, Florida When you stop a car and stop the engine, you will see that the vehicle is going down the slope! Spook Hill is a place in Florida where the reverse happens! If you stop the car on a certain white mark on the road and shut down the engine, you will notice that the vehicle is not gliding down the slope. The car moves in the opposite direction of the slope at the Lake Wales Ridge of Florida, and it is very well because there is no gravitational pull! The dip on the fifth street between Spook Hill Elementary School and Burn Avenue. According to the curator of the exhibits and collections of the Lake Wales History Museum, Anderson Hanna, the gliding of the car opposite the slope of the road is an optical illusion. It was during the 1950s that the location became popular. Spook Hill in Florida is also known as Magnetic Hill and is one of the oldest gravity hills in the country! Many popular legends and folklore are further related to the location. Reverse Waterfall, England Another place where gravity does not work is a waterfall located in England! The waterfall is in the Derbyshire Peak District near Hayfield, where a river flows. The river is known as Kinder, which flows downwards to a specific point and starts flowing upwards! There are strong wind storms due to which the water flows upwards, but that question goes again. It does not follow the natural rule of nature. Hence, the question arises of the gravitational vortex. The place is popular, especially with the beauty it surrounds itself with. The water at the Kinder Downfall blows backwards, which is shocking, especially when the water is 98ft high. The strong winds make it possible, but it is not natural. It is spectacular to watch! When the water blows back from the waterfall, it blows into nothingness. A tourist spot near Mallerstang Edge, the spectacle defies the laws of gravity! The Devils Tower, United States In the United States, a natural monolith is located in the Crook Country across northeastern Wyoming near Sundance and Hulett! The Devil's Tower is the first National Monument in the US, which is 867 feet high from the base to the summit. There is a river called Belle Fourche River, while the monument is 5112 feet above sea level. It is one of the most important sites in Wyoming as the mount's size and shape are perfect. It is also sometimes identified as a mystery hill museum! Two people first climbed on the mound in 1893! William Rogers and William Ripley were two local ranchers who used a wooden ladder of 350 feet. It is considered one of the premier climbing areas by people who regularly hike and climb. It is a unique place with a history related to Native American Tribes. The monument was highlighted first by President Theodore Roosevelt, who designated the structure as the first national monument in 1906. Annually, 500,000 visitors come to visit the monument! The Hoover Dam, Nevada, United States Another tourist attraction in the United States, the Hoover Dam in Nevada, is a natural gravity vortex with no gravitational pull. The dam is 221.4m high, and based on certain experiments, it has been observed that objects float or water goes upward if you pour it while standing on the dam. However, the question arises! Is the building constructed so that the strong winds are created from the natural air, making light objects float, and water fly upwards when you drop it from a height? The dam aimed to disseminate the Colorado River towards the Southwest landscape, which was dried. With this water balance, major cities such as Phoenix, Las Vegas and Los Angeles have developed. Seventeen turbines can power up to 1.3 million houses with the capability of irritating 2 million acres. With such power inside it, the gravitational pull or the creation of the vortex due to strong wind raises questions! Defy Gravity, But You Can't Defy People! Now that you know about the natural gravity vortex locations, should you go and experience one of these places at least once? If you are scared of the spookier events, I will not force you, but guys, you are missing out on something. It is a once-in-a-lifetime experience when you learn about natural objects that defy gravity and the secret of the places. Comment below to let us know which one of the places you want to visit and why! Read Also: Walking On Sunshine: Exploring The Magic Of Vietnam’s Golden Hand Bridge! These Are The 30+ Things To Do In Mexico City That You Must Try!