Top Backpacker Travel Risks

One great way to experience the world with little money is to go on a backpacking trip. Most people who have gone backpacking testify that it is a life-changing experience and the knowledge that they have gained is simply irreplaceable. If you’re taking a backpacking trip anytime soon, it is wise to consider the risks and dangers that you may face. There are always travel risks anywhere you go in the world. It is highly recommended that you get backpacker travel insurance to protect you from unexpected travel incidents that might occur during your trip.

Here are the top backpacker travel risks and how to avoid them:

Thefts and Scams

Many backpackers fall prey to thefts and scams. Destinations that are often frequented by tourists have their share of petty thieves and pickpockets lurking about. When you’re walking on the city streets, make sure that your cash and credit card is securely hidden and that you don’t wear flashy items that attract a lot of attention. Some backpackers pack a doorstop, a fairly inexpensive safety device that prevents someone from breaking into your room at night. If you’re staying in a hostel, you can use a cable lock to secure your valuables. Scams range from harmless to altogether dangerous. With promises of huge savings, many scammers dupe backpackers into purchasing cheap tour packages that don’t deliver as expected. You need to be aware of the most common travel scams and you should know what to do in these situations.

Sickness or Injury

Backpackers who get sick or injured while on a trip need to pay medical bills at a local hospital. Most often than not, medical bills for foreigners without insurance can be costly. Inexpensive local clinics and hospitals is an option, but they often don’t have the best facilities. Before going on a trip, you should research on the health conditions of your destination and bring medical supplies that you might need. It is also wise to only drink bottled water. It pays to choose the best travel insurance with good medical coverage so that you have peace of mind in case you get sick or injured while on the road. You should also make sure that it covers both medical treatment and emergency evacuation.

Baggage Loss

As a backpacker, nothing is more aggravating and stressful than losing your baggage. Whether it’s an airline issue or it’s been stolen, remember to get travel insurance that provides good coverage for both lost baggage and other add-ons. Add-ons are usually valuables such as laptops, cameras, smartphones, and jewelry items. Better yet, leave your expensive electronics at home and use an older cell phone while on the road. You can also leave your laptop at home and go to internet cafes to catch up on email.

Generally, backpacking is a great way to see the world. However, it is essential to get backpacker travel insurance to cover for medical expenses, baggage loss, theft, or other unforeseen events.

Things to Be Considered Before Availing a Travel Loan

Travel Loans have many benefits. Apart from making travel affordable into monthly payment option, it helps one manage their cash flow and makes the dream travel available to all. But before you ask your travel partner for details on your travel loan, there are a few things you should keep in mind:

1. Revisit your existing financials

Before opting for a travel loan, do check your current financial situation. Most of the financial institutions providing a travel loan, keep a track of a couple of things before providing a loan to you. This is primarily to ensure that you will be able to repay the loan. Things like, Do you already have a number of loans or mortgages running? Will your current salary help you meet the monthly payments? Do you have a good credit score and repayment history?

2 Best is to ask for the amount you need

Getting a travel loan today is fairly easy. Hence, it can be enticing to go for a higher loan amount than you actually need. However, you should remember that higher the loan amount, more the interest rate. This will also lead to a higher repayment amount. Hence, only opt for the amount you need and don’t go for any extra amount.

3. Go for the best interest rates

The interest rates for travel loans differ from financial institution to financial institution. The interest rate is determined by financial institutions based on a couple of factors like:
• Travel information
• Your profession
• Current salary
• Income stability
• Work experience and company category
• Age
• Existing loans and EMIs
• Credit score
Based on the interest rate, you will be able to calculate your EMI.

4. Opt for your repayment term wisely

Make a smart choice of opting for the term which best suits your travel needs. A very long term may invite more interest, and a very short term may make your monthly installment heavy on your pocket.

5. Keep all the documents handy.

Before you go in for a loan, find out the required documents and other formalities needed. It is best to keep these documents handy at the time of application. Some of these include:
• Documents declaring your source of income,
• Identity proof,
• Travel plans,
• Residence proof
• Bank statements and others

6. Go through the loan agreement carefully.

It is best to read the loan agreement in its details before signing. That way you will know of all the fees, charges, as well as penalties you may be subjected to and will not be caught off-guard.

7. Find out about the deferment process

In case you happen to miss an EMI or are unable to pay your travel loan due to unforeseen circumstances like a loss of a job, financial emergency etc… it would be best to know the deferment process in this case to handle the situation better.

Things To Know About Thekkady

Kerala has always been fascinating to the travelers from all over the world. Among the most frequently visited attractions in Kerala is the district of Idukki, with its lush green beauty emboldened by high range glory and wooded valleys. Most of Idukki’s beauty is indebted to the three main rivers which bind these areas together – Periyar, Thalayar, and Thodupuzhayar and their tributaries. As a tourist destination, what Idukki has to offer is the enchanting beauty of hill-stations, serene dams, diverse wildlife sanctuaries, and an array of activities including invigorating spice plantation tours, adventurous mountain treks, and elephant rides. This small piece of land has been truly blessed when it comes to natural beauty. The large population of tribals we can find inhabiting the land is a testament to the resilience of the land and its people against urbanization.

One of the most visited places in Idukky is Thekkady, which also enjoys the position of being India’s largest wildlife sanctuary. At a distance of 257 km from Trivandrum and 145 km from Cochin International Airport, Thekkady could be accessed from Tamil Nadu at a distance of 114 km from Madurai City and Airport. The destination is 114 km away from Kottayam railway station. Located near the Kerala-Tamil Nadu border city of Kumily, Thekkady offers mesmerizing views of dense evergreen, semi-evergreen, and moist deciduous forests along with stunning savanna grasslands. Herds of elephants, sambar deer, tigers, gaur, lion-tailed macaques, and Nilgiri Langurs are but some of its most noted inhabitants. Thekkady is the dream of any nature lover who comes to visit Kerala.

Thekkady also situates the sole Tiger Reserve in Kerala and is home to rich treasures of tropical flora and fauna. These thick woods preserve within them something of immeasurable value, which is the unsullied, unfiltered, wild beauty of nature itself with its rich bio-diversity which includes many endangered species as well as a precious tribal culture where man and nature live together in harmony. The pleasant haven of Thekkady is also considered as a paradise for organic herbs and spices such as cinnamon, cardamom, nutmeg, and clove. Thekkady is a manifestation of nature in all her unfettered, otherworldly, and wild beauty.

Around five hundred thousand people visit Thekkady every year and they contribute substantially to the economy of the state. Some of the most widely enjoyed entertainments of Thekkady include:

Elephant Ride – where children and adults can go for a short elephant ride near the Turble Nature Park, after contacting the wildlife information center near the boat landing.

Boating- Boats of different capacity maintained by KTDC and Kerala Forest Department can be hired for a 2 hours cruise, which is the easiest, and most encouraged option for sighting wildlife.

All these together have transformed Thekkady to a tourist hub throughout the year which necessitates the emergence of plenty of hotels, resorts, and other accommodation facilities. Currently, there are plenty of hotels and resorts in Thekkady Periyar catering to the ever-growing number of tourists. From budget 2 star to luxurious 5 stars classified Resorts and Hotels provide world-class accommodation facility to the guests visiting Thekkady. In recent years, so many homestays and farm stays have also come to existence in Thekkady, aiming to give the complete sanctuary that the guests seek in a homely atmosphere.

Earlier most of the resorts and hotels were situated in Kumily town and on the way to Thekkady boat landing route. Now it has spread into a 15-kilometer radius of the town. On K.K Road just before reaching Kumily town from Kottayam, we can see plenty of resorts. Known resorts like Forest Canopy Resort, Kofi Land Resort, and Greenwoods Resort are all situated on K.K Road. The major resorts including Cardamom County, Spice Village, Michels Inn, and Abad Green Forest are on the way to the boat landing. These are just some of the examples. Many more accommodating facilities could be seen around these parts. En route to Munnar, we can find a lot of resorts and farm stays. Most of these resorts in Thekkady are eco-friendly and very soothing to the mind. They provide a quiet, tranquil escape from the noises of day-to-day life. Some Hotels also offer Ayurveda Treatment Centres and spa services, guaranteeing the holistic wellness of their customers. The green nature and cool climate around these areas ensure a perfect condition for Ayurveda Treatments. It’s a perfect getaway to heal both the body and soul. Nobody can resist the relaxing embrace of the quiet and wild nature while they are here, and can’t help letting go of the tensions of the mind.

While visiting Thekkady, most of the tourists are opting for a single night’s stay, which is not encouraged. This is so because a least of three days are needed for a thorough exploration of the beauty of Periyar/Thekkady. Tourists can go for farm trips, trekking in the forest, tailor-made Tiger Walks, Jeep Safari, hiking and rafting programs of the Periyar Tiger Reserve. All of these cannot be crammed into a single day. Rushing through the activities will not have the expected effect. One needs to slow down and soak in the prettiness around to have a lasting effect on your mind. If you do that, it is guaranteed that the impressions you make will forever remain treasured in your heart. Some tourists opt for a long stay in resorts in Thekkady to experience the nature and the elegance of the mountains, plantations, lake and the forest. This allure is what makes Thekkady/Periyar favorable to educational trips from schools and colleges from various part of the world.