Is Your Credit Card Travel Insurance Coverage Enough?

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Is Your Credit Card Travel Insurance Coverage Enough?
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Still relying on credit card travel insurance? Not sure if it really fits the bill? Read on to determine if your coverage is enough…

1. Coverage clauses

• Do you have to pay for the whole trip with your credit card to be covered? Is
there a minimum amount?
• What’s the maximum number of days covered for one trip?
• What’s the maximum amount you’re covered for?
• Are you covered for high-risk activities, like scuba diving?
• Are you covered for other professional services like physio, chiro, etc. to relieve
an acute emergency?

2. Family coverage

• Is coverage only for you, the cardholder?
• Will your travel companions get the same coverage as you, or do they need to
buy additional insurance?
• Would coverage be available to return your travelling companion,
children/grandchildren or accompanying pet home, in a medical emergency?

3. Pre-existing medical conditions

• Does your age affect coverage?
• Are you covered for pre-existing medical conditions?

4. Trip cancellations or interruptions

• Does the plan offer trip cancellation or trip interruption insurance?
• Do you have to pay for the whole trip with your credit card to be covered? Is
there a minimum amount?
• What’s the maximum amount you’re covered for?

5. Emergency and claim assistance

• Are you covered for ambulance or emergency air transportation?
• Will you be penalized if you don’t call the claims company after the emergency or
before visiting the hospital?

So remember, while you may have travel coverage through your credit card, it might not cover you completely in a medical emergency situation. Make sure to contact your credit card provider to know what your policy really covers. If it’s not enough, check out how TuGo can help meet your travel insurance needs.

Is Your Credit Card Travel Insurance Coverage Enough?
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The Adventure Trek of Kasol-Kheerganga

The Adventure Trek of Kasol-Kheerganga

Himachal Pradesh is a place full of adventures. There are a lot of adventures one can do whether they are treks, rafting, bungee jumping, sightseeing, cable car, etc.

One of these adventures is the Kasol – Kheerganga Trek. The trek is one of the most popular treks in India.

Kasol

Kasol is a small village nestled in the hills of  Parvati Valley in Himachal Pradesh. It is a popular spot among hippies, backpackers, trekkers and nature lovers. The nearby village is Malana (famous for Malana Cream) and is deep-rooted in the Hippie culture. Kasol is a hub for Psy parties and every year attracts many tourists from across the World. Kasol is calm and quiet and will give you vibes of OM Shanti!

Kheerganga

Kheerganga is another small village that lies at the end of the Parvati Valley. It offers numerous waterfalls, hot springs, snow-capped peaks, and all-around lush green forests. Parvati Kund or hot spring pool is very famous among the Hindus and Sikh people as they believe the water has sacred healing properties.

Kheerganga offers amazing views of the Parvati River and the snow-covered Lahaul Spiti Valley.

The Adventure Trek of Kasol-Kheerganga

The Amazing Kasol- Kheerganga Trek

The Parvati Valley provides stunning and captivating views of the Himalayas. The trek  starts from Kasol. This 13 km long trek ends in Kheerganga and provides ample opportunities to explore the natural bounties of the region. On this adventure trail, you will pass by Rudranag, a serpent-shaped waterfall. There are numerous captivating waterfalls which are the highlights of the Kheerganga Trek.

The trek is considered as the best trek for beginners. It is a short and easy trek. It will take you through dense forests of rheodordans, oaks, and pines. You will be passing by the village of Barshaini – a small hamlet and the confluence of the rivers Parvati and Tosh. You will be treated to snowclad mountains, breathtaking views, and scenic landscapes of mountains.

 

 

A few of the villages that you will come upon on your trek:

1. Malana

A small village near Kasol, famous for Malana cream ( a drug). The place is quiet and calm with people here following the Lord Shiva. You will also start the Chandrakeni Trek from here. Malana is a village more for backpackers and nature lovers and less for tourists.

2. Tosh

It is located at 2,400 meters in elevation on a hill near Kasol in Parvati Valley. The place is famous for waterfalls and surrounded by Apple Orchards. You will see wooden architecture all over the village and captivating views of Parvati Valley. Tosh village is located close to the base of Kheergange.

3. Pulga

A small Hamlet in the trail near Malana. It is a beautiful place to visit and experience the great views of lush greenery, snowclad view of the peaks and skies landscapes.

After reaching Kheerganga, it is time to take a dive into the hot waters of the Parvati Kund. Enjoy the hot springs and relax your sore muscles after the tiring trek. And enjoy ravishing views of the valley all around.

You will see many local restaurants and cafes in small villages. Restaurants serve German, Chinese and Israeli cuisines. You can also have tea, coffee and snacks at tiny tea stalls.

Camp near Riverside and get close to nature by seeing the beautiful sunrises and starry nights. Or opt for a homestay and get a chance to explore the life of locals and their culture.

The best time to visit Kasol – Kheerganga is totally depended on your own preference. In summer, the weather remains pleasant and calm. In winter, the weather stays chilly with snowfalls. Most of the trekkers opt for the winter. Kasol is famous for rave and Psy parties and attracts many Indians and foreigners. They come here to backpack and explore the Hippie culture. Getting to Kasol is an adventure in itself with different routes and forms of transportation.

Here are some basic tips for beginners who are planning to do this adventure.

  • Beginners are advised to take a trek leader along with the trek.
  • Keep a route map with you.
  • Always keep something to eat with you like chocolates, chikki, energy bars, etc.
  • Follow the instructions of your trek leader.
  • Carry minimum weight.
  • Take necessary medicines or a medical kit with you.
  • Keep yourself healthy and fit.
  • Inform your family in prior advance.

Kasol Kheerganga is just a weekend away. Plan your next trip in the mountains and feel peace all around. Beginners will love their first trekking adventure!

Live. Travel. Explore!

7 Eye-Catching and Underrated Things Worth Seeing While Backpacking in Mount Gambier

Discover some of the best tourist attractions in Mount Gambier you may not know about. Your stay will not be complete if you fail to check out these cool spots.

Rainbow Coast Sunset

Mount Gambier is, without a doubt, one of the coolest cities in Australia, and, of course, the second largest in the South.

If you’re planning to take your next camping or hiking journey to the mount, then there are some interesting places you definitely want to check out.

Without wasting too much time, let’s delve straight in and explore these most eye-catching and underrated things here, in Mount Gambier Australia.

Places to Visit in Mount Gambier

Umpherston Sinkhole

If relaxing close to Mother Nature sounds appealing to you, then the Umpherston Sinkhole is the right place. Located in the center of Mount Gambier, this beautiful paradise is home to diverse species of flowers and plants, as well as the rare possums.

While there are many similar “sinkholes” on Mount Gambier, Umpherston stands out as a beautiful delivery of sunken oasis.

Sadly, the possums in the sinkholes are not always in sight. They mostly come out in the dark when they want to eat. So, except you are determined enough to visit this part of the mount at dusk, you may never get to see the small furry creatures.

Australia Sunset Dusk

Blue Lake

Another impressive attraction in Mount Gambier, probably not explored as it should be, is the Blue Lake. This beautiful wonder of nature sits just right inside an ancient volcanic crater which gives an idea of its ancient history.

Although the lake is called “blue,” it is not always blue throughout the year. So, if you plan to visit it, go between November to March, when the color is cobalt blue and vibrant. After summer, it usually changes to steel grey.

There’s probably more to the Mount Gambier Blue Lake than what meets the eye. Meanwhile, it still remains one of the best tourist locations in Mount Gambier and the country.

Kangaroos Australia

Victoria Fossil Cave

Another wonderful place to check out while backpacking on Mount Gambier is the Victoria Fossil Cave. You will find it at the Naracoorte Caves National Park.

This Mount Gambier cave hosts some remains of ancient animals – the type that lived during the ice age.

Although you may not be excited by fossils, it is still worth checking out as you will learn a lot about the ancient animal species and the extracted skeletons. You can observe such things only in a place like Mount Gambier.

The Big Lobster

If it’s not your first-time visiting Mount Gambier, then you’ve probably come across the Big Lobster or “Larry” as he’s commonly known.

The red-colored giant sculpture is undeniably one of the “biggest things” not just in Mount Gambier but also on Australian soil at the moment.

Interestingly, Larry has been around since 1979, which makes “him” more than 36 years old. There are ongoing plans to rejuvenate the sculpture. So, you can donate and check “him” in better shape next time.

Much to visitor’s delight, an excellent hotel which is also named the Big Lobster is located in the same place as Larry. You can enjoy a good meal and relax while checking out this giant lobster in Mount Gambier.

Centenary Tower

For the most bird’s-eye view of Mount Gambier, its beautiful coast and landscape, the Centenary Tower is the choice spot.

The tower which got its name from European settlers is currently the most used viewpoint on Mount Gambier Australia. It was built in 1901 but not accessible to visitors and the surrounding communities on the mount before 1904.

From the top of this tower, visitors can see many features of Mount Gambier, including lakes such as the Blue Lake and the Valley Lake.

Engelbrecht Caves

Apart from sinkholes, caves are another common sight in Mount Gambier. Some of the most popular ones are the Engelbrecht Caves.

Although most of the caves usually feature many stalactites or stalagmites, the Engelbrecht Caves are mostly dry with a few lakes. So, if you’re up for a cave-dive, you will probably get a wonderful treat. But then, cave-diving is not for the faint-hearted; it has never been, especially when you consider the Mount Gambier weather here.

Apart from plunging into the closed-in passageways, another thing you can do at Mount Gambier Engelbrecht Caves is to explore its historical and geographical features.

Lake Bonney

Another eye-catching spot you should definitely check out while in Mount Gambier is Lake Bonney. Located in the Limestone Coast and surrounded by the Canunda National Park, this spectacular lake is one of the biggest sources of freshwater in Mount Gambier Australia. Its major highlights include magnificent limestone cliffs, impressive coastal dunes, beautiful land area, and many other natural features that you won’t find elsewhere in Mount Gambier.

It is common to find people surfing or snorkeling in the area. Don’t forget to take your camera because you will see a lot of things to tell about when you speak with your friends about this visit to the mount.

To Wrap It up

There you have it – seven great attractions if you don’t know what to do in Mount Gambier.

Are there any other beautiful places in Mount Gambier that deserve more attention than they’re currently getting? Please drop your comment below and let us know!

 

About the Author

Kevin Fein has been traveling for more than 14 years. His trips have mainly been to Australia and Europe. You could call him an adventurous, as most of his trips were usually targeted towards tourist locations and places with a lot of sightseeing spots.

Although he’s currently residing in Australia, Kevin chose to go wherever his imagination takes him.