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

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. Christmas in Vienna is a magical time with its many Christmas markets. 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.

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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.

Visiting Spain: Visit the Essentials First

visiting spain

It doesn’t matter what your travelling preferences are, we all love a fiesta, and what better place to have a fiesta than by visiting Spain itself? Located in one of the warmest parts of the European continent, Spain does not only offers long sunny days, but also a rich history and culture. This country can cater to anyone’s taste. Partying all night, visiting museums and researching Spanish history or eating their delicious cuisine until your heart pops out. The only thing that you should know is where you’re heading, and this is where we step in. Look at the list below, and try to find the best Spanish ciudad for your holiday, especially if it’s your first time:

Madrid: The heart of Spain and capital of flamenco

It doesn’t do to visit Spain and not see the capital of the country, does it? As any other European capital, Madrid has everything to offer – bars that are open until late at night, great shopping centers and some of the most amazing parks in Europe. One such is the El Parque del Buen Retiro, or simply shortened to El Retiro. It was once a royal ‘’hangout’’, and it staged many concerts and garden plays. Nowadays, it is a great tourist attraction (even though greenery might not be the first thing that comes to your mind when you think of Madrid), as people can rent one of the many rowboats and paddle in the huge man made lake in the center of the park. However, Spain is the only place in the world where you can see a live performance of flamenco dances, and Madrid is the best place to do this.

madrid

Barcelona: The diamond of Catalonia

You’ve no doubt heard of Barcelona. There are numerous tourists who hit the road to Spain and decide to visit this place only. And it doesn’t matter how many days you stay, Barcelona is a city which you can never fully explore. If you really want a European holiday of your lifetime, you should find one of the best Barcelona holiday packages that are offered, and see the home of the extremely impressive pieces of Gaudi’s architecture such as the legendary La Sagrada Familia. Moreover, taking a walk-through Las Ramblas and having a cup of coffee in one of its many cafés is definitely something that you should experience at least once in your lifetime.

barcelona

Seville: From bullrings to beautiful barrios

To all the animal rights activists out there – no, we don’t agree with this either, but we must agree that this is one of the symbols of Spain and an inevitable part of Spanish history. Even though bullfighting originated in Ronda, Seville is its spiritual home. So, is it a form of art or simply animal cruelty? Well, it would be best to visit one of Seville’s many bullrings and see for yourself. However, don’t you think for a second that Seville is only good for this. As the heart of Andalusia, this magical city has many other things to offer – such as the Barrio Santa Cruz, one of the most beautiful barrios of Spain, or Alcazar (perhaps better known as Dorne from HBO’s Game of Thrones).

seville

Granada: The place that’s the richest in Spanish history

First and foremost: you’re visiting Spain and you want to try tapas. Since Granada is one of the rare places in Spain where you get tapas for free alongside your drink, it should be on the must-visit list. Moreover, this is a place where you’ll see the most important historical monuments of this country. It is a paradise for every history buff. One of the best things you can see here is the Alhambra fortress – a fortress so huge that you will need a whole day to explore it to the smallest detail. If you want to imagine what it looks like, it’s said that you must imagine the world’s most beautiful gardens, add a fortress and multiply the whole image by ten. Alhambra overlooks the whole city of Granada, offering a most breathtaking view. And it’s also an excellent place to take amazing Instagram photographs! The ticket is around 13 euros, and it’s open from March to October, so make sure to plan your stay there accordingly.

granada

And these are only the essentials. Spain has so many other things to offer, such as 24/7 Ibiza parties, spring days in Valencia, visiting the tomb of Christopher Columbus, walking across the world’s scariest bridge, seeing the Museum of Funeral Carriages, or eating at the world’s oldest restaurant in Madrid. Spain should be your next destination. And maybe even the one after that, because you can go there as many times as you want, and you’ll still have more things on your bucket list.

The Paris Series (Part 2) – Sainte-Chapelle

Among the many things that Paris is famous for, its collection of museums is second to none. There are over 50 museums and noteworthy monuments in and around Paris. There are of course many very well known ones including the Musee du Louvre, Musee D’Orsay, Musee Picasso and monuments including the Arc de Triomphe, Notre Dame Chathedral, Chateau de Versailles and more.

One of Paris’ greatest jewels, and often overlooked sites, is Sainte-Chapelle. As you walk down Boulevard du Palais, you’ll see a line of people that appear to be waiting to enter the Palais de Justice (a large building from 1868 that still functions as a court house). Behind the entrance and in the courtyard is what they are actually waiting for – the entrance to Sainte-Chapelle. (Unlike some other museum sites, your Paris Museum Pass does not get you queue-cutting access here).

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Sainte-Chapelle is a royal medieval Gothic chapel dating back to the 1200s and Louis the IX of France. Although damaged during the French Revolution, Sainte-Chapelle contains one of the most extensive and beautiful collections of stained glass anywhere in the world. As you enter the chapel, you’ll see a sample of stained glass and a gift shop. Look for the stairs on either side of the room to ascend a very narrow staircase to the second floor and you’ll enter the main room. You will be awestruck. It is absolutely spectacular and breathtaking !

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The Paris Series (Part 1) – Like A Local

There’s nothing better than going to a “new” destination, and experiencing it like a local. I had been to Paris before (through the airport and in the city when I was all of 7 years old) but neither time really counts. In spite of the considerable travelling that I have done, Paris was a new destination. While it’s great to see the tourist sights like everybody else (i.e. the Eiffel Tower, the Louvre,  Notre Dame Cathedral), it’s also great to really immerse yourself like a local. Find the food stands, small shops, cafes and squares where the locals go. While you can find some great guide books, maps and apps to help (Rick Steves immediately comes to mind),  why not actually have a local take you on a tour and show you the neighbourhood favorites?

So I linked up with a local food tour called the “New Parisian Palate” (formerly “Bobo Palate”) with Context Travel. Context is a network of specialists and scholars who act as private guides and lead small groups on walking tours through some of the world’s greatest cities. Tours include archaeology, art history, cuisine, history, urban planning, environmental science, and classics.

Our small group met outside of a bistro in upper Marais. We began our tour with a walk and talk through the iconic “Marche des Enfants Rouges” (the oldest covered market in Paris dating back to the 1600s).

Our walking tour continued for the next 2 1/2 hours and included various stops in the market, a bakery, butcher shop, prepared food and foie gras shop, a cheese shop, a wine and Armagnac shop and a chocolatier. All along the way, the small bites and samples never stopped.

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The French are proud of their history, culture and country. And so they should be. Our guide explained how French food tastes were slowly changing, becoming more modern and incorporating flavors and food ideas from around the world. She pointed out new shops and even food trucks to support the “new Parisian Palate”. With most stops, our guide either purchased samples or gathered food in a bag for our end of tour “party” (wine, cheese, pate, baguette).

446  If you’re thinking of a walking tour, here’s 3 bits of advice:

  1. Take a Context Tour. They are immersive and well worthwhile and get you feeling like a local (and less like a tourist). The group is limited to 6 and led by a local expert.
  2. If you take a Context food tour, don’t eat a meal beforehand (nor will you be able to eat a meal after).
  3. Take your tour in the first few days of your trip if you can. You’ll get a better feel for the city, culture, local area and the places that you’ll want to return to later.

I want that local perspective wherever I go. I want to dive into the destination and its culture. And I want to get local.

Dublin Like A Local

I’ve been to Ireland 5 times (so far) and I’m starting to feel like a local in Dublin. I have the good fortune to have some great Irish friends so going to Dublin is not a typical tourist experience. I’m picked up at the airport and driven around town like visiting royalty. The trip is mostly planned out with pub nights (almost every night), dinners and visits to worthwhile venues. It’s great fun and gives a very local perspective.

As a local, you DON’T go to Temple Bar (“it’s too damn expensive”); you don’t go to the Guinness Storehouse Tour (“I already worship Guinness- every night”); you don’t limit your shopping to Grafton Street (“stay north of the Liffey with fewer tourists”).

As a local, you DO go to your “local” (the pub in your neighborhood where you know almost everyone who walks in the door); you do have your regular shops (like the Bretzel Bakery where they know you and your order as you walk in); you do order multiple drinks at last call (because the barman can’t leave or kick you out before you are done).

As a tourist, you should go and see the Book of Kells, Christchurch Cathedral (the basement is spooky), and the Kilmainham Gaol Tour (Old Dublin Jail from the 1800s). Entrance to all museums, including the National Gallery, the National Museum of Ireland and Trinity’s Douglas Hyde Gallery, is free. You might notice a lot of taxis – there are in fact more taxis in Dublin than in New York City! Dublin is a great town with lots to see and with lots of great people.

Whatever you do, don’t call an Irishman “British” (the Republic of Ireland is not part of the U.K.). And don’t stop for the weather, i.e. rain. It’s either about to rain or will rain later in the day. Bring rain gear and enjoy. It’s all part of Ireland.

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.