With the popularity of Travel Insurance rising with travelers rushing ro take a cover for their hard earned money, here is what you need to know about it…


Travel Insurance is a collective term… Below are the most common types of travel insurance…

Medical Evacuation

A medical evacuation is often a chartered trip (usually a flight) for a patient who is not well enough to return home by other means to better facilities or to their home country. Though the need is rare, its costs can be devastating to most peoples’ savings. On-balance, the cost of coverage for it is not terribly great.

It typically involves traveling with medical personnel looking after you throughout return home, along with any needed equipment, medications, etc. Although some people have worldwide medical coverage as part of their everyday health insurance, it almost never comes with international medical evacuation. Even if you are willing to forgo all other types of internationaltravel-related insurance, no one should ignore medical evacuation coverage.

There are multiple reasons a traveler would need medical evacuation. In simple cases, after local treatment, you may just require medical monitoring, perhaps on a commercial flight…possibly in first class (to provide necessary room) for you and the nurse or other. In moderate cases (after hospitalization), you may be just well enough to travel with medical assistance while lying down, but not well enough to use a commercial airliner…especially if you have or had a communicable disease. Some less-developed countries or the hinterlands of most countries may have no capabilities to treat serious injuries or illnesses. You might there need to be immediately evacuated to a distant location for treatment, to later be evacuated to/near home.

Trip Cancellation

Travel insurance will often cover expenses related to unexpected cancellations by your carrier or destination providers, e.g., costs associated with a canceled flight, including accommodation, meals and other incidentals. Cancellations due to emergencies are often also covered, some possible examples include the following:

  • Medical advice telling you that you cannot travel
  • A death or (sometimes) medical emergency in your family
  • A major disaster at home such as a house fire
  • Disasters or upheavals at your planned destination that occur after you booked your trip

Depending on what’s happened, the insurer might pay re-booking fees, refund lost deposits, or pay for travel home. Travel insurance pays only for direct losses such as these; you won’t get additional compensation for things like your disappointment at your holiday being cancelled.

More expensive policies may also cover your own discretionary cancellations if there is an exceptional circumstance: for example, there are some travel insurance policies that will pay you the cost of your ski lift tickets if a resort has shut due to lack of snow.

Property Insurance

Some travel insurance policies cover the loss of or theft of your belongings while travelling. If claiming for theft, you must file a police report about the theft and get documentation, no matter how unlikely it is that the police will take any action. The insurance company will not pay your claim without a police report.

 In the cases of expensive and easily disposed of items like cameras and laptops, policies may cover only violent theft or forced entry, e.g., if if you leave your belongings in a room and they are stolen, coverage may be invalid if there was no forced entry. When considering claiming for damage, check the terms carefully: many expensive and fragile items are only covered if damaged while being carried by you. It is very common to exclude any damage done to your belongings if they travel as checked luggage: you must keep them on your person to be covered. Theft from unattended cars and other vehicles will have limited coverage, as will theft of, and particularly simple loss of, cash, money orders, travelers checks and credit cards.

Policies covering loss or theft of belongings are typically among more expensive policies, often aimed at business travelers.


Thamani Travel is able to arrange Travel Insurance locally… Contact us for more details or visit us on:

Useful Links:



The 20 Most Magical Spots In Hawaii

People may think Hawaii is overrated. We think it’s home to magic; a place where you can find everything from rainbow trees to fiery water to beaches made of sea glass.

The below 21 spots, after all, prove one thing: the Aloha state has a lot more to offer than just white sand beaches and tropical drinks. With an environment as diverse as its people, the small state packs a heavy punch in the magic department.

How many of the below have you been to?

1. Bamboo Forest, Haleakala National Park, Maui
bamboo maui

2. The sea caves along the Na Pali Coast, Kauai
Specifically: Waiahuakua sea cave, Hoʻolulu sea cave and Open Ceiling cave
cave kauai

3. The Queen’s Bath, Kauai
queens bath kauai

4. The sea cliffs of Molokai
molokai cliff

5. Glass Beach, Kauai
glass beach kauai

6. Honokohau Falls, Maui
honokohau falls

7. The Road to Hana, Maui
road to hana

8. Anywhere with Rainbow Eucalyptus Trees
This is tree bark: 
rainbow eucalyptus

9. Or Banyan Trees
banyan tree maui

10. Waimea Canyon, Kauai
waimea canyon

11. Haiku Stairs, Oahu
Also known as the illegal “Stairway to Heaven” hike.
haiku stairs hawaii

12. Sweetheart Rock, Lanai

13. Annual lantern floating memorial ceremony, Ala Moana Beach, Oahu
lantern floating memorial hawaii

14. The Seven Sacred Pools, Maui
oheo gulch maui

15. Kilauea Volcano, Big Island
Where lava meets water:
lava hawaii

16. The Na Pali Coast, Kauai
napali coast

17. The “Heart” near Nakalele Blowhole, Maui
heart near nakahele blowhole

18. The top of Mauna Kea, Big Island
mauna kea

19. Wailua Falls, Maui
wailua falls hawaii

20. Thurston Lava Tube, Big Island
thurston lava tube
















The expert travelers at Trip Advisor came together to compile their list of the best rated cities in the world to visit….

The city by the bay is laden with adventure and attractions, whether it be a ferry ride to Alcatraz, sampling the cuisine of Little Italy, or exploring the hills that surround the city. San Francisco is home to one of the most ethnically and culturally diverse communities in the United States, making it an amazing place to visit. Be sure to get breakfast at Mama’s before heading onto Coit Tower and the Golden Gate Bridge.

Chiang Mai is far greener and quieter than other cities in Thailand. The ‘Rose of the North’ township encapsulates much of what is unique and breathtaking about Thailand, including magnificent temples.

Lisbon is both Medieval and Moorish in design, sitting on a luxurious beach that’s hard to beat in the summer. The city is overlooked by the gargantuan Caste of St. George. This same traditional architecture is found throughout the city, including in the century-old wooden trams.

While Sydney is a sprawling city, it remains largely dominated by nature, with national parks carving their way through the ports. The luxurious beaches, amazing weather, and nightlife make Sydney an unforgettable destination.

Hugging the Danube River, with the Buda Hills to the west, and Great Plains to the east, Budapest is surrounded by beautiful landscapes on all sides. The neoclassical city is just as gorgeous, though it still wears scars from World War II and the 1956 Uprising. The city is built on numerous hot springs, making the local bathhouses a must-see.

Bangkok is home to beautiful Buddhist temples and amazing nightlife. The value of the dollar makes this incredible city a relatively cheap place to travel.

Cape Town is unique getaway, surrounded by glistening seas and pristine beaches on one side, and a breathtaking mountain range on the other. The city is by far one of the most cosmopolitan in Africa, stemming from its colonial roots, which one can still see in the architecture today.

Chicago is the stronghold of the American Midwest, the home of the blues and a hotbed for jazz music. The picturesque skyline is home to the world’s first skyscrapers, as well as some of the best comedy clubs in the States.

If you’re less into history, and more into futuristic metropolises, Dubai is the flashiest of them all. The city is home to the tallest building (Burj Khalifa), as well as the Dubai Mall, the largest of its kind in the world. Other features include amazing artificial islands and some of the best beaches around. When you consider that Dubai was a small tribal town until the 1970s, the current spectacle is mind-blowing.

St. Petersburg has been called Russia’s window to the West. Unlike Moscow, which features red bricks and domes, St. Petersburg’s canals and neoclassical architecture was designed by Italians, giving the city a European look. It also has a European feel, with modern art galleries and underground clubs, which make the city a spectatle at night.

Barcelona is a city that combines both the old and the new in a magnificent fashion. Much of the city is as it was centuries ago, with narrow streets everywhere you look. On the beachfront, you’ll find the modern luxuries and unparalleled resorts.

#14 – Buenos Aires

#14 - Buenos Aires

Florence is a city, seemingly paused in the past. This beautiful Renaissance city is home to some of Italy’s – if not the world’s – best museums, galleries, cathedrals, churches, squares, and shops. The Cathedral of Santa Maria del Fiore and Piazza della Signoria serve as a good stepping stone into this amazing city.

New York City is arguably the centre of modern Western culture. Whether you’re taking a leisurely bike ride through Central Park, exploring the endless heights of downtown, or chowing down at historic pizza parlors, the city has something for everyone.

Just like London and Paris, Berlin is the centre of centuries worth of unique culture, art, and architecture. Berlin is a time capsule, including the remnants of time periods from the medieval to the modern and from Brandenburg Gate to the Berlin Wall. Explore the underground and you’ll find some of the most exhilarating non-stop nightlife anywhere in the world.

The joy of Shanghai lies on the street level, where everyday life bustles across miles of metropolis. You’ll find the Shanghai Museum, Jade Buddha Temple, and Dongtai Road market, which make the city a once in a lifetime experience.

Although the city of Siem Reap is relatively new, it is surrounded by the ancient remains of Angkor Wat, the City of Temples and the largest religious monument in the world. What Angkor Wat offers in terms of exploration and adventure, Siem Reap offers in rest and relaxation.

Hanoi is an fascinating blend of East and West, combining traditional Vietnamese culture with French colonial flair. Thankfully, the city was untouched by decades of war and is now more vibrant and active than ever, with the Old Quarter serving as one of the greatest markets in the world. The Vietnamese Women’s Museum highlights the role of women in Vietnam’s history and is well worth a visit. If it’s nightlife that you’re after, check out one of the many theatres.

Paris is a treasure trove of cultural heritage. The city contains centuries worth of art and architecture from across the world, housed in historical venues like the Louvre and Orangerie. One week would barely be long enough to scratch the surface of what this city has to offer – let alone the magnificent food in restaurants like Le Fumoir.

The vibrant spices that were once traded through Marrakech have rubbed off on the city itself. With buzzing markets and colourful bazaars, the city is ideal for anyone who wants to get a taste of traditional Moroccan life. Where better to stay than the luxurious Taj Palace, with an amazing view of the Atlas mountains.

Prague is credited as having been a major political, cultural, and economic centre of medieval Europe. Now, the city is having a renaissance. Whether you visit the modern Dancing House or the medieval Prague Castle, the city has found a perfect balance between new and old.

Beijing is one of the largest and oldest settlements in the world. With a history of more than 3,000 years, the city is home to some of the most important monuments in China, including remnants of the Great Wall and the Forbidden Palace.

The former capital of the largest empire on Earth, London is a hot pot of culture, with more than 300 languages spoken within its boundaries. You can find food, art, entertainment from every corner of the world, as well experience the finest English architecture at sites like Kew Gardens and Westminster Abbey.

Rome is one of the most significant cities in the history of Western civilization and has a legacy that spans more than two and a half thousand years. Street artists and fine restaurants line the roads and monumental landmarks of this eternal city. Sights include Ostia Antica, an ancient preserved port the villa of Emperor Commodus.

Istanbul is a vibrant city, straddling Europe and Asia as well as Christianity and Islam for thousands of years. The city is known for its delicious food, amazing coffee, sprawling marketplaces, and ancient architecture – including grand mosques and churches. At the end of a long day, be sure to take a moment to relax in a luxurious bathhouse.



15 of nature’s most spectacular shows

Awash in Light


Bio-luminescence in the tide makes walking along the beach on Vaadhoo Island in the Maldives especially magical. The light is emitted from tiny plankton in the water.

Million of Flapping Wings


The Monarch Butterfly Biosphere Reserve in Mexico’s Michoacan state is a winter home to tens of millions of butterflies.

Polar Flashes


The aurora borealis lights up the night sky in Lofoten, Norway. The spectacular shows occur when charged particles from the solar wind interact with the Earth’s atmosphere at the magnetic poles.

A delicate display


Cherry blossoms usher in spring in Jinhae in Changwon City, South Korea. The city’s cherry blossom festival is South Korea’s largest.

The thaw


The cracking of mammoth chunks of ice in Alaska’s Glacier Bay is a sight — and sound — to behold.

Natural Fireworks


Mount Yasur puts on fiery displays on Tanna Island in Vanuatu.

Meeting the locals


Sometimes nature and man-made endeavors overlap, as is the case at the Galtaji temple complex near Jaipur, India. One of the temples is known as Monkey Temple after the area’s resident monkey tribes.

Art of flowers


From March through May, millions of tulips draw visitors to Keukenhof Gardens near Lisse, Netherlands.

Thrill of the chase


At Alaska’s Katmai National Park a brown bear grapples with his slippery dinner. The sockeye salmon run starts here in late June and the bears come out for dinner.

Plumbing malfunction


Yellowstone National Park’s geysers are the result of subterranean plumbing constrictions and water heated by magma under the Earth’s surface

Race for survival


Wildebeest cross the Masai Mara River in Kenya. More than a million travel between Tanzania and Kenya each year during the Great Migration in search of food, water and breeding grounds.

Summer rotation


A meteor streaks past the faint band of the Milky Way galaxy above the Wyoming countryside during the 2013 Perseid meteor shower. The show happens each summer when Earth rotates through debris from the Swift-Tuttle comet.

Wall of Water


Victoria Falls, on the Zimbabwe-Zambia border, is the world’s largest sheet of falling water.

Fish tornado


Sipadan Island in Malaysia is home to a huge school of barracuda, often seen in a swirling vortex formation.

Time to fly


Hundreds of thousands of sandhill cranes migrate each year and many gather in early spring on the Platte River in Nebraska.



10 Most Disappointing Destinations in the World

Don’t believe the hype! These popular but disappointing destinations are more letdown than must-see…



This British Overseas Territory on the tip of the Iberian Peninsula isn’t quite British and it’s not quite Spanish, either. You might say it’s the worst of both. The 2.3-square-mile territory packs in a ton of tourists and charges them—”gouges” might be a better word—accordingly. If you’re planning on driving there, you’ll have long waits to cross the border, and once you’ve arrived, there’s not much to see besides a boring rock, some fake British pubs, and gaggles of wild macaque monkeys that like to prey on tourists.

Niagara Falls, New York


Tip your hat to Canada on this one, Americans. Our northern neighbors totally got the better side of Niagara Falls. The Canadian side yields better views of all three falls (American Falls, Bridal Veil Falls, and Horseshoe Falls) and it’s worth crossing the border to get them. Stopping on the American side just doesn’t cut it.

Temple Bar, Dublin


The city of Dublin is great. There’s a castle and gorgeous architecture, there are renowned colleges and green spaces, and there are many other things to see and do that go beyond the tired “Irish culture equals pubs” stereotype. The Temple Bar area of Dublin, however, is a prime example of the rampant fleecing of drunken tourists that should be avoided at all costs. This small area caters to visitors competing to see how drunk they can get in “authentic” bars and nightclubs (aka overpriced tourist traps). Avoid it at all costs and seek out a pub literally anywhere else in Dublin for a better experience.

Hollywood, California


Hollywood has it all—if by “all” you mean aggressive people dressed up as movie characters who want you to pay them for a picture, a sidewalk with some stars on it, and an exceedingly creepy wax museum. Why would you want to come here unless you’re a celebrity stalker? (Wait … even if you are a celebrity stalker, stay away. Real stars don’t hang out in Hollywood.)

Nassau, Bahamas


Around 1 million cruise-ship passengers visit Nassau each year. Do you really want to go to a place where a million bloated and sunburned cruisers disembark, blinking into the sun as they contemplate the possibility of spending hours away from organized activities and an all-you-can-eat buffet? According to TripAdvisor reviews, visitors should expect to be “constantly harassed for money.”

Liberty Island, New York


Liberty Island should be renamed “Line Island,” as you’ll have to wait in so many lines to get there. So many. If you didn’t print your ticket ahead of time, you’ll wait forever at will-call. Then you’ll wait to hand over your ticket and be screened by security. Then you’ll wait to get on the ferry. Then you’ll wait to get off the ferry. Once on the island, it’s generally beyond crowded. For a statue that symbolizes freedom, there sure is a lot you can’t do on this island—like anything that doesn’t involve waiting in a line.

Frankfurt, Germany


You know how major cities always have a financial district? And how that financial district is completely empty and dead at night, with everything shuttered? The entire city of Frankfurt is pretty much one big financial district. Sure, it’s one of the world’s largest financial centers, but it’s very sterile and boring, and there isn’t much to do.

Walt Disney World, Florida


Paying $99 per day to be trapped in a park surrounded by other peoples’ children and fully grown adults who like Disney? No thanks. Even a bottle of water will run you $2.50 once you’re within reach of the Mouse’s greedy grasp. And if you’re thinking about purchasing a “specialty” cocktail to numb the pain of being at Disney World, you’ll have to shell out $8.50 per drink.

Casablanca, Morocco


Many international flights to Morocco arrive in Casablanca, but many visitors wish that their flight had kept right on going. This very commercial city is mostly office buildings and has been called “soulless” by many tourists. Transit here, but keep on going to the rest of Morocco if you want a more authentic experience.

Las Vegas, Nevada


Is there any place more depressing than the inside of a casino at three in the morning? Florescent lights, a thick haze of cigarette smoke, and the stink of desperation don’t really add up to a dream vacation. Whether you’re losing your money by gambling it away, paying for obscene amounts of food at a buffet, or dropping it on overpriced show tickets, you’re pretty much guaranteed to walk away from Vegas poorer than when you arrived.



The 12 Most Awesome Hostels In The World

For the lovers of hostels, these might just be your BUCKET LIST!

Lock a graffitied pod in the Netherlands.
At Lucky Lake Hostel, you’ll stay in one of 25 colorfully-painted caravans, those little attachments that people affix to their cars when they move around Europe. They’re all arranged in an open circle-ish format with ping pong tables, hammocks, an outdoor kitchen and twinkly lights in the middle.

Brave a jail cell in Slovenia.
Hostel Celica is probably the most thought-provoking hostel you’ll ever stay in — it’s comprised of 20 former prison cells that have been “renewed” by artists. The building served as a military prison for over 100 years while Slovenia was under socialist rule. Now every room still has a barred metal door, but the insides have been revamped to include paintings and framed sketches. There’s also a quiet hangout room called “Point of Peace–” it’s the building’s only cell without bars which now has six themed “niches,” each dedicated to a world religion.

Chill in a real German castle.
In the 12th century, Stahleck Castle was constructed for the Archbishops of Cologne. Now, it’s a hostel for you! Right on the Rhine River, you’ll see “a breathtaking view” from your princess chamber.
jugendherberge burg stahleck

Sleep in a vintage Australian rail car.
“Stay on a train that’s not going anywhere” at this hostel built on an old railway platform next to Sydney’s newer (and still in use) Central Train Station. You’ll be assigned to a cozy vintage rail carriage as your room, but Railway Square YHA’s common area — with computers, foosball tables, and surfboards on display — looks super-modern.

Birth lambs in Mongolia.
You may want to book a trip to Mongolia specifically to stay in Anak Ranch hostel, located on a working ranch in the wide-open plains. You’ll sleep in a ger, a Mongolian type of yurt, and wake up for days of milking cows, herding livestock, riding horses to the Russian border, and “getting caught up in delivering baby animals.” Meals are home-grown from the farm, and at night you’ll “learn to drink vodka the Mongolian way, accepting a proffered glass with honor.” …we’d gladly brave that experience for a view like this.
orkhon valley

Sleep in a Turkish tree.

Everything looks just a little rickety at Kadir’s Tree House on the coast– but hey, it’s a chance to wake up in an actual tree so YOLO. Kadir’s feels like Turkish summer camp: the wooden treehouse panels are painted with kitschy travel mantras, you have to climb a ladder to get up to your bed, and there’s a “pizza house” that’s open all night long.
Watch Berlin float by from a hostel boat.
Every cabin in this “swimming hostel” has its own toilet and shower, and there’s a TV room in the bow of the ship. Sit on the roof and watch the sunset over the water, or walk literally steps to the East Side Gallery, the artsiest section of the Berlin Wall.
eastern comfort berlin

Party in a 150-year-old Canadian jail.
When was the last time you had WiFi access or a dance party in a real Canadian jail? (Who knew Canada even had real jails?!) HI-Ottowa Jail Hostel also has an awesome indoor-outdoor pub where you can meet locals (a hostel rarity), listen to live music and get your mugshot taken.

Become a master juggler in New Zealand.
Juggler’s Rest hostel has “circus toys” on hand to play with, and if you can’t already juggle they’ll teach you. Stick close to home at night for LED juggling shows, during which a staffer reportedly juggles his son. Then, “you get up in the morning and everyone’s out in the garden juggling.”

Light the fireplace in a Turkish cave.
Most rooms are built into the side of a cliff at Traveller’s Cave Pension in Turkey’s gorgeous Cappadocia region. Some even have cozy little fireplaces! Cappadocia is known for its fairy chimneys (tall sedimentary rock formations) and magical hot air balloon displays— you’ll see them all when you emerge from your cave onto the patio near the hotel portion of the property.

Dream in Italian “Heaven.”


The Monastery Hostel is part of the Franciscan Friars Convent– the bottom level is decorated with grass and animals (aka a giant plastic bull) to symbolize Earth, and the upper level is painted with clouds to look like Heaven. Travelers admit the place is a bit rustic… but forgoing worldly pleasures might align your spirit, no? At least the monastery has a pleasant courtyard.
Rent every movie possible in Portugal.
If you’re a movie person, welcome to heaven. Rivoli Cinema Hostel has 13 rooms, all themed to the film industry (there’s a blue-hued Tim Burton room, and a blood-red room with posters from “The Godfather”). There’s also a huge DVD library, so prepare your laptop for a marathon.