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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 Feb 18, 2025

When you think about February, what is the first thing that comes to your mind? Especially if you are living in one of the northern states. Snow? Routine life? Clouds and rainstorms? Well, I have got a solution for you.   Let’s make a list of warm places to travel in February this year. Yes, there is a possibility that you might have to face occasional rainfall, so why don’t we choose the places with warmer temperatures creating that perfect place for you to give you a break, relax, and rejuvenate?   Here are Some Warm Places to Travel in February in the USA!   No, you and I are not old! Neither are our bones chilly. All we want is to visit a place that is warm like a hug! In February, I have already had my share of cold and snow, now can we just escape somewhere with the sun shining bright on my face?   How about some beach and a tall cool glass of drink along with it? I am dying to finish the book I started at the end of January and am still not able to complete it! Visiting warm places to travel in February is not just about warmth!    It also means a break from all the socializing from Christmas and New Year! As an individual, I think everyone needs a break from all the people meeting we do daily. This travel plan will be just that, a warm hug to yourself.   New Orleans   https://www.instagram.com/p/DFGuRqIpWKi/?img_index=3 Round-the-clock nightlife, vibrant streets, and live music scenes make this Louisiana city a perfect place for you to go! Especially if you are looking for warmth and spicy! New Orleans is known for its history, a mix of cultures between American, African, and French.   What's more, you will experience a sense of celebration with carnivals and parades, a regular thing about the place! People host parties on the streets during Mardi Gras while wearing different costumes and makeup.    Known for its jazz music and historical architecture, New Orleans is perfect for you in February! If you are a little confused about things to do in New Orleans with kids, you can go visit the National WWII Museum and New Orleans Museum of Art.   Things to Do   Go to the Mardi Gras World   Attend the prayer at the St. Louis Cathedral   Explore the Audubon Park   Miami   https://www.instagram.com/p/DEVbjvMugvb/?img_index=1 If you are a beach lover, this is the place you want to go if you are looking for warm places to travel in February. Miami is in the state of Florida, US, and gives you the perfect vibe for a warm weather winter destination.   You can visit this climate for its vibrant climate, sultry beaches, and museums. One of the coolest places I think we have in Miami is the zoo! You also have the Perez Art Museum and Vizcaya Museum & Gardens to go to when you visit the city.   Things to Do   Explore the Fairchild Tropical Botanic Garden   Visit the Everglades National Park   Go to the Philip & Patricia Frost Museum of Science   Palm Springs   Are you craving some Desert this February? You must visit Palm Springs, in southern California with its delicious restaurants, interior design and decor stores, and vintage boutiques. The Sonoran Desert is known for its hot springs, spas, and golf courses.   If you have plans to relax and rejuvenate, this is the place to be. Additionally, you can also take long walks across Palm Canyon Drive. However, if you are someone who loves adventure, you can try horseback riding trails, biking, and hiking.   Things to Do   Explore the Moorten Botanical Garden   Visit the Living Desert Zoo and Gardens   Travel via Palm Springs Aerial Tramway   Maui, Hawaii   Hawaii cannot be just termed as a beach city; it is so much more than that. Creating a soothing climate for you in the harsh winters of February, Maui, Hawaii offers you one of the best coastlines as a view.   Furthermore, you can watch those majestic humpback whales especially because the water is translucent! The tides are much calmer so you can totally go for a swim or even kayak in the river trails around what is one of the second largest Hawaiian Islands!   Things to Do   Explore the Haleakala National Park   Visit the Maui Ocean Center   Hike the Pipiwai Trail   Key West   If you want a Caribbean vibe, you should go visit Key West! A city in the Florida Keys, this is a tropical paradise for tourists who are looking for sandy beaches, delicious food, sighting migratory birds and exotic animals.   It is one of the top choices for warm places to travel to in February as tourists. One of the warmest and sunniest places in the USA, and you should not miss it especially if you are traveling with family! It is one of the most exotic places to travel to in the USA.   Things to Do   Ride on the Conch Tour Train   Explore the Hemingway Home and Museum   Walk to the Edward B. Knight Pier   Arizona   Are you someone who loves both mountains and rivers? Known for the Grand Canyon carved by the Colorado River, Arizona is a perfect place for you. Apart from the Canyon, you will find yourself surrounded by mountains.   There are of course beautiful places to visit such as Saguaro National Park. You will find the national park filled with cacti protecting the desert landscape around you! If you are wondering about things to do in Phoenix Arizona, you can visit the Musical Instrument Museum, Phoenix Zoo, and Desert Botanical Garden.   Things to Do   Walk on the top of Hoover Dam   Explore the Seven Magic Mountains   Kayak to the Emerald Cave   Las Vegas, Nevada   One of the most popular places in the USA, I am sure you have heard of Las Vegas or maybe even made a trip there. So, I am not kidding when I say you must visit Vegas in February. This is one of the perfect February vacation ideas if you are looking for one!   Are you someone who does not like the crowd too much? Well, in February, Las Vegas is perfect for you, especially with a little rush after the New Year crowd! Furthermore, you will get museums for your children to visit, a beautiful aquarium if you are looking for some beauty and peace and so many live shows!   Things to Do   Explore the Red Rock Canyon National Park   Must visit to High Roller   Go on the Gondola ride across the Venetian Las Vegas   Florida   You have to believe me when I say it is one of the best places to visit in February. Florida is filled with beaches, and a mix of cultural influences, American and Latin, it will attract you with its art scene and beauty.   However, if you are someone who likes to party, Florida has the perfect night scene in South Beach. With an upscale crowd, delicious drinks, and music turning your head, visit Florida!    Simultaneously, you cannot miss visiting Walt Disney World, single adults and adults with children included. A perfect and enchanting destination for your February travel plans.   Things to Do   A must-visit to the Universal Islands of Adventure   Take a dive into the Discovery Cove   Go to the John Pennekamp Coral Reef State Park   Ready for Some Vacation?   So, are you ready? Get your bags in the backseat of your car or take a flight to visit one of these warm places to travel to in February! These places in the USA are all gems of places, giving you different flavors of travel. Additionally, you get a slice of life everywhere you visit.   Furthermore, you get to learn and see so much more. In February, the warm weather is the perfect gateway from your chilly weather, snow up to your boots!   Let’s plan a trip to one of these places and comment below about your experiences. Along with it, let me know by commenting if I have missed any warm place in the USA that you have visited and loved!  Also read Top 10 Most Popular Paraguay Food That You Must Try. Top 13+ Famous Wonders Of India That You Must Visit.

BY  Sibashree Aug 20, 2024

Joshua Tree National Park, named after the crooked Joshua trees, is known for its endless hiking trails and desert ecosystems of the lower Colorado Desert and the Mojave Desert.  Further, the Joshua Tree is one of the few national parks in the USA to offer equally amazing daytime and nighttime experiences.  The geology of Joshua Tree is “interesting.” You will find Arch Rock and many other fascinating rock formations in the park. Wind power, erosion, and different weather forces have created many other spectacularly-formed rocks and other sculptures.  Hiking is the best way to cherish the beauty and splendor of this national park to the fullest. So, let’s know the tales from the trails!  Best Hiking Trails in Joshua Tree National Park Joshua Tree had an impressive 3,270,404 visitors in 2023, and hiking is one of the most popular activities in this park. Home to some of the best hikes in the USA, Joshua Tree also has many trails for kids and beginners.  Further, you can explore various short walking routes and nature trails like Bajada, Oasis of Mara, and Barker Dam in this park.  Here, I have curated some amazing hiking trails in the park across various difficulty levels.  Joshua Tree Hikes (Easy) The easy hiking trails in Joshua Tree are accessible in all seasons. To make the most of your hiking expeditions, you must start by 9 am in the morning.  Cholla Cactus Garden The Cholla Cactus Garden trek is easy, and even kids can explore it. It will take just 15 minutes to get completed. You will find the trailhead 20 miles north of Cottonwood Visitor Center. As you can guess from its name, the trail is named after the growing cholla cacti found in abundance here. Wear full-length clothes and closed-toe shoes and follow the trail to avoid getting hurt by the cactus thorns.  Discovery Trail You can start hiking this trail from the Skull Rock parking area. This easy hike will take you around 30 to 40 minutes. Catch a glimpse of the desert washes and boulders throughout the route.  Skull Rock  View this post on Instagram A post shared by Joshua Tree National Park (@joshuatreenps) Start hiking this trail early in the morning from the Jumbo Rocks Campground. You can even take the trailhead from the Skull Rock parking area, which is east of the Jumbo Rocks Campground. Skull Rock is one of the many unique rock formations you will see in the park, and it’s the highlight of this trekking route.  You can cover the trekking route within just one or two hours. A night-time view of the Skull Rock can offer you the perfect Halloween experience!  Moderate Hiking Trails Like the Channel Islands National Park and the Death Valley National Park, the Joshua Tree also has many moderate hiking trails. Here is a brief overview of some of the most amazing moderate Joshua Tree hiking trails.  Hi-View  The Hi-View trail, starting from the Northwest of Black Rock Campground, will require you to hike for at least an hour. However, based on the weather conditions, you may also need to walk for more than 1 hour and 45 minutes.  Once you reach the top of the steep ridges, you can enjoy a panoramic view of the entire park. Further, the iconic Joshua trees are found in the steeper sections of this trail.  If you feel tired in the course of your trekking, you can catch some rest on the benches across the park.  Mastodon Peak The Mastodon Peak trail starts from the Cottonwood Spring parking area, and here, you will experience an elevation change of 175 feet. To reach the granite mountain peak, you will have to pass through a rugged terrain.  You can complete the entire trek within 1.5 to 3 hours.  Split Rock Loop The Split Rock picnic area is the starting point for hiking this trail of 2.5 miles. You can complete the trek within two and a half hours. However, if you are a seasoned hiker, you can complete the safe route within 1 and a half hours.  On a spur trail of the Split Rock Loop, you will find a rock formation that looks like the profile of a human face. It is called the Face Rock.  Pine City  Go to the end of the Desert Queen Mine Road to find the trailhead of Pine City. The dense vegetation of junipers and pinyon makes this 4 miles long trail picturesque. It will take around 3 hours to complete the hike.  Strenuous Hiking Trails  These strenuous trails are not suitable for summer hiking. You can try conquering them in autumn and spring.  California Riding and Hiking Trail Stretching over 36.6 miles, the California Riding and Hiking Trail is a two-day long hike. If the weather conditions are unpleasant, the total duration of the hike can stretch up to three days.  As you hike the route from Black Rock Canyon to the park’s North Entrance, the amazing landscape of the Mojave Desert will charm you.  Ryan Mountain Hiking to the summit of Ryan Mountain is one of the most popular activities to do in Joshua Tree National Park. The trekking route has an elevation of 1,050 feet, and it stretches over 3 miles.  Despite being strenuous, this trail can be hiked in 2.5 hours. So, it is one of the most popular hiking trails in the park.  Willow Hole At the end of the Willow Hole trail, you will find the amazing willow trees. You can start hiking from the Boy Scout Trailhead located inside the park at the South end.  The sandy washes, Joshua tree vegetation, and famous boulder landscape make the trail amazing.  Short Walks And Nature Trails In Joshua Tree National Park View this post on Instagram A post shared by Joshua Tree National Park (@joshuatreenps) The short walks and nature trails of Joshua Tree are available for year-long hiking. These trails also have wheelchair facilities, offering the most inclusive experience to visitors.  It’s time to be familiar with some of these amazing nature walk trails.  Oasis of Mara (Oasis of Mara is the only trail in Joshua Tree that allows dogs. So, hiking this trail is surely one of the best things to do in Joshua Tree as a pet lover.)  Arch Rock Barker Dam Ryan Ranch  Bajada  Among these short walks and nature hiking trails, Cottonwood Spring is the shortest. You can finish the trail within just 10 minutes. Enjoy the view of cottonwood trees as you take a walk to the fan palm oasis.  Integratron: The Wonder Of The Joshua Tree National Park  Facts to Know Integratron is four stories high.Its diameter is 55 feet.It’s a 16-sided metal-free building.The construction technique used in it is called joinery.No nails or screws are used in the construction.It is made of non-ferromagnetic materials. George Van Tassel said that Nikola Tesla’s writings influenced the structure of Integratron.  The western half of the Joshua Tree National Park is on the Mojave Desert’s southern tip. UFOlogist George Van Tassel built “a time machine for basic research on rejuvenation, anti-gravity, and time travel” in the Mojave Desert in the 1950s.  This is a place where visitors are offered sound therapy that is believed to have the power to rejuvenate living tissues in human beings.  From the time it was built, this place has attracted reporters, visitors, artists, and spiritual minds.  George Van Tasse chose the Mojave Desert for building Integratron as, according to him, this place had a connection to the Great Pyramids in Giza. The proximity to magnetic vortices was another reason for choosing the site.  Final Words: Schedule Your Hike Right   March to May and October to November are the two best seasons for hiking in Joshua Tree. The park remains open throughout the year. However, the scorching and dry summer makes hiking impossible on many moderate and strenuous trails.  During summer, the daytime temperature of the park reaches around 100 degrees F, and the temperature falls to 75 degrees F at night.  Further, if you visit the park between March and May, you will see the wildflowers blooming. Also, in April, you can celebrate the National Park Week here.  In October, there are important events in the park, such as the Joshua Tree Music Festival and Pioneer Days. The temperature is also pleasant in the fall season, recording an average temperature of 80 degrees F and 50 degrees F at day and night. So, plan your visit to Joshua Tree right and share your travel stories with us as you return with the most amazing hiking experience.  Joshua Tree National Park FAQs  Is It Safe To Visit Joshua Tree At Night? Yes, it is safe to visit Joshua Tree at night. In fact, stargazing is one of the most popular activities in this national park. The roads in the park are marked, and there is strict patrolling on all roads.  However, this desert park is an important preservation hub for vulnerable ecosystems. Also, there are snakes and scorpions in the park.  So, camp in the park or explore it at night as a responsible visitor. It is safer to restrict your movements near the campsites at night.  Is Joshua Tree Worth Seeing? Yes, Joshua Tree is worth seeing, as you can hike through the California Riding and Hiking Trail, Pine City, Bajada, and many other amazing trails. As you explore these routes, you will come across a wide variety of flora and fauna.  Further, the Joshua Tree is an important preservation and conservation center for fragile ecosystems. In addition, this is a place where stargazing is an ultimate immersive experience. Other highlights of your trip to this national park will be exploring the Penguin Rock, Arch Rock, and other iconic rock formations. Moreover, indulge in a sound bath at the Integratron. Built by UFOlogist George Van Tassel, this dome-shaped place offers sound therapy that promises to rejuvenate living human cell tissues.  Can You Sleep Inside Joshua Tree?  Yes, you can sleep inside Joshua Tree, as there are nine campgrounds inside the park. The Hidden Valley, Belle, and White Tank campsites are available on a first-come, first-serve basis. However, White Tank and Belle campsites can remain temporarily closed during summer.  For the India Cove, Ryan, Cottonwood, Jumbo Rocks, and Black Rock campsites, you will need to make a prior booking.  In addition, you can try backcountry camping and consider putting up a tent in the campsites outside the park.  Remember, there are no restaurants and modern lodging facilities inside the park.  Can You See Milky Way From Joshua Tree? The International Dark-Sky Association, or IDA, has identified Joshua Tree as an International Dark Sky Park. You can get the best view of the Milky Way here.  Joshua Tree also has the darkest nights in Southern California. So, you will get to see the passing meteors, stars, and planets from this national park.  Stargazing from any part of the park is an amazing experience. However, there are also four designated stargazing spots in the park. These are: Quail Springs parking lot Hidden Valley parking lot Cap Rock parking lot Ryan Mountain parking lot Further, you can put up tents at one of the nine camping grounds, and among them, the Cottonwood Campground demands a special mention. Also read Why Include Whale Watching In Your LA Itinerary. Traveling On A Budget: Tips For Affordable Adventures. Be Soothed And Meet History At Hot Springs National Park.