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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Top Five Places To Visit In Austria

Top Five Places To Visit In Austria

It’s tough to have a short list of my top 5 places to visit in Austria. For me, it’s the perfect destination. Austria is known for many things including its history, natural beauty, and Alpine terrain. It’s a perfect vacation destination for travelers in search of a new adventure in Europe. Winter sports enthusiasts regularly visit to ski and snowboard on the iconic Austrian Alps. But there is much more to Austria than snow. In fact, Austria has some of the most historic architecture in all of Europe, and a myriad of towns and cities with their own unique cultural feel. Here’s my short list:

Vienna

Vienna is widely considered to be a cultural haven for music, fine art, and architecture. Known for many diverse architectural styles throughout the city, travelers can expect to find many well-preserved examples of Romanesque, Baroque, Classicist, and Art Nouveau styled structures. Vienna is also celebrated for its rich performance-art tradition, hosting over 200 balls a year. It also hosts a variety of classical music concerts featuring many of the famous composers who once called Vienna home, including Mozart, Beethoven, Brahms, and others. No visit to Vienna is complete without a visit to one of their outstanding cafes. Austrian cakes, like the “Sacher Torte” are world famous. Why not try a cake and coffee at a famous landmark like the Demel.

Top Five Places To Visit In Austria - Vienna

Salzburg

Situated near Germany’s southern border with Austria, the city of Salzburg, like its capital counterpart, is famous for its long-standing musical traditions. Salzburg is the birthplace of Wolfgang Mozart and features the Mozart Museum, his former home. Beyond the numerous examples of historic architecture and artistic attractions, Salzburg is surrounded by a breathtaking Alps mountain range. A visit to Salzburg allows you to explore the experiential contrast of rich history and stunning natural beauty simultaneously. Take the funicular to Hohensalzburg Fortress for a breathtaking view of the city and surrounding countryside. It is one of the largest medieval castles in Europe, dating back to 1077.

Top Five Places To Visit In Austria - Salzburg

Salzkammergut

Salzkammergut – a UNESCO World Heritage Site – is an Austrian resort area surrounded by serene blue lakes, verdant hills, and snow-peaked mountain ranges. For over a century, it has served as one of the countries prime tourist destinations. Salt production started the area (“salz”) and dates to the Bronze Age. A tour of the salt mine in Halstatt is well worthwhile. Outdoor recreational activities abound including mountaineering, horseback riding, swimming and cycling. The Salzkammergut region is also famous for the many luxury spas and hotel resorts inhabiting the area. If you are visting in the summer months, a slow boat ride on Lake Halstatt will be serene and provide gorgeous views of surrounding towns and mountains.

Top Five Places To Visit In Austria - Salzkammergut

Innsbruck

Famous for hosting the Winter Olympics in 1964 and 1976, the city of Innsbruck is widely considered to be one of the best winter sports destinations in the world. Visitors not so keen on skiing or snowboarding, or those visiting during the summer months, can find plenty to do in the historic city as well. Explore the Innsbruck Cathedral, the bell-making museum, or one of the city’s many local restaurants. Innsbruck is nestled in the heart of the Alps and is one of Austria’s most scenic cities. A 20-minute train ride takes you up the mountain to Seefeld, where you can then take a funicular and cable car to Rosshutte. On a clear day, you’ll see the mountain tops of 4 countries- Austria, Germany, Switzerland and Italy.

innsbruck-506820_640

Zell Am See

For travelers who are looking for the ultimate in natural scenery, and wilderness adventures, the town of Zell am See is a ‘must-visit’ destination in Austria. Surrounded by majestic alpine mountains, world-class ski slopes, and tranquil blue lakes, Zell am See hosts numerous outdoor recreation events throughout the year. During the winter, it hosts a number of ski and snowboard competitions. The driving here is also out-of-this-world, be sure to take the Grossglockner Alpine Road from here for some of the most awe-inspiring scenery in the country.

Top Five Places To Visit In Austria - Zell Am See

I’m a fan of most European countries but Austria has my heart. If you haven’t been, you must get there. You’ll go back again and again, like I do.

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!