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?
Photo by Julius Silver on Pexels.com

Prepare Yourself for Cycling Around-the-World

cycling around the world

Everyone has a dream or two involving something exciting and adventurous. If, for example, you wish to cycle the world, there’s really no reason whatsoever to stop you. You just have to decide whether you want it hard enough because, in all honesty, around-the-world cycling does require some strong dedication and thorough preparation. But, if you’re set on achieving this wonderful and inspiring goal, make sure you know your steps.

Proper research

Before anything else, it’s essential that you do your research, especially when it comes to the main and alternative routes you’re going to take. Aside from that, it’s paramount that you’re knowledgeable about the laws and regulations of countries you’re going to cycle through. Apart from that, it would be extremely useful to know what your options are in terms of accommodation, even if it’s just camping in the open.

cycling training

Train your body

Cycling is not easy, and especially not when you’re about to cycle the globe. In that respect, it’s essential that you prepare your body. Create a workout routine so that you can build muscle and fitness necessary for such an enterprise. Of course, it’s important that you cycle regularly as a part of your workout routine.

Know what you need

The most important piece of equipment on this journey is obviously your bike. Everything else can be dealt with one way or the other. Without question, electric Bosch eBike is your best choice and smartest investment that will ensure security in almost every part of the world. Of course, you’ll need a tent, a portable stove and some durable waterproof clothes, but you can find all that at affordable prices and even at thrift shops.

cycling in winter

The issue of money

When finances are concerned, things can get a bit tricky, but you also have various options, depending on what you want to do with your life. If you generally plan a huge change that involves a complete transformation once you return from the cycling adventure, you may find it easy to sell everything you own and make extra cash with your own skills wherever you find yourself. On the other hand, you may feel more comfortable with gradually saving up the money so that you feel more secure. The latter also means that you’ll have to plan ahead and wait a while.

Find your purpose

There are many reasons why people decide to do something as amazing and mind-blowing as cycling around the world. If you have a personal cause you can share it with the world. In the end, you may even manage to break the world’s record. This may not be something you’re into, but remember that even Forrest Gump attracted huge media coverage when he started running. The important thing here is that you know 100% in your heart the cause that drives you to cycle. That way you can decide whether to share it with everybody else or not.

cycle into the sunset

End date and milestones

It would be extremely helpful to set an end date in your mind that would give you an idea of how far and long you need to cycle from day to day. Of course, don’t just focus on the end date because this date is changeable. Instead, focus on milestones that you can set for yourself. For instance, a good way to create milestones is to take your current location into account, be that a city, a county or a whole country/state.

In order to cycle around the world, you actually need to start pedaling, and begin your journey from somewhere. The whole adventure is already complex and it will take you a few years to accomplish, so, if this is something you strongly wish for, don’t make it even more complicated.

cycle in the evening

5 Benefits of Adventure Travel for Your Physical and Mental Health

There are many ways one can improve their lifestyle. From different approach to life to engaging in different hobbies, it’s important that you find something personal that will fulfill and make you happy. For starters, spending time in nature is known to be a great way to relieve stress and boost mindfulness. This is precisely why adventure travel may as well be the perfect option for those of you that are still seeking for that much-needed lifestyle betterment. If this sounds interesting, check out the following adventure travel benefits that can completely transform your life.

1. A stronger immune system

There have been plenty of studies in regards to the benefits of getting dirty outdoors for kids. However, the truth is that getting dirty a bit is also beneficial for the adults. Of course, it’s only natural that you want to keep yourself clean. But, allowing your body to experience a bit of dirt from nature on occasion can boost your immune system and reduce the risk of allergies and asthma.

2. Nature as a remedy

Obviously, you don’t always have to engage in activities that will result in you getting dirty. Walking and light jogging as a part of spending time outdoors are also great activities and a big part of adventure travel for beginners as well. What’s more, these nature-based activities are often recommended to people that have health issues such as heart disease, obesity, attention deficit disorder, and so on.

3. Sharp mentality and better memory

You may be wondering what do outdoor activities have to do with brain and memory boost. Well, hiking, walking, jogging and/or cycling while surrounded by nature can actually boost the hippocampus growth, which is directly linked to the sharper senses and improved memory. Luckily, there’s no age limit to your personal kind of adventure travel, so don’t waste any opportunity to discover the joy and benefits of it all.

4. Become more resourceful

It’s true that adventure travels are usually filled with uncertainty. However, that uncertainty doesn’t have to be bad. Focusing too much on making everything work according to plan is only going to drain you, and make you more stressed and angry when it doesn’t. And, let’s face it, things don’t usually go according to plan, and especially not when the plan is overly strict or when nature is concerned. This is a great opportunity to let go of the plan-making habit for every little thing in life, and enjoy the flow. Not to mention that these situations are perfect for letting your imaginative and quick-witted side shine through. Allow that resourcefulness to become a part of your daily life as well.

5. Dream and succeed

Spending time in nature on your adventure may seem like a big step now, but once you experience it yourself, it will quickly grow on you. It’s the healthiest addiction you can possibly have. If you’ve been enjoying a bike ride to the park so far, you may even find that a cycling tour is what you need for your next travel. Of course, just make sure that you have a good bicycle, enhanced with Rockshox high-performance products. One of the biggest benefits of making adventure travel a part of your life like this is the ability to visualize your dream, as well as the steps you need to take in order to achieve it. Natural scenery can seriously help you reflect upon your own wishes, powers, and personal goals.

Your adventure travel is not limited by the amount of true wilderness in your immediate surroundings or your stamina to hike or ride a bike. The will to explore your own self is more than enough of a motivator when it comes to embarking on your perfectly personal adventure travel. Therefore, go outdoors to come back with more confidence, fresh knowledge and discoveries, stronger dreams and a happier self.