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3 Travel insurance mistakes that cost you money

Many travelers overspend on travel insurance, under the impression that a more expensive policy is better. Travel insurance comparison site, Squaremouth, explains three mistakes travelers make that cause them to spend more than they need to on travel insurance.

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Many travelers overspend on travel insurance, under the impression that a more expensive policy is better. Travel insurance comparison site, Squaremouth, explains three mistakes travelers make that cause them to spend more than they need to on travel insurance.

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Mistake 1: Not Capitalizing on Credit Card Insurance

Travelers don’t always know that some credit cards include free travel insurance for customers who pay for trips with their card. However, many of these cards limit the trip costs that can be covered, and typically don’t cover medical emergencies during a trip.

Expert Tip: Only insure the trip costs that are not covered by your credit card. If your card covers $10,000 per trip, and your trip cost is $15,000, you can save money by only insuring the additional $5,000. A lower trip cost typically results in a less expensive policy, however, be aware that some providers require you to insure 100% of your trip cost.

Mistake 2: Over-Calculating Non-Refundable Trip Costs

Trip cost is one of the main factors that can drive up the price of a policy. Travelers have the choice of insuring all, some, or none of their trip cost, but travel insurance can only reimburse prepaid and non-refundable trip expenses up to the amount insured.

Expert Tip: Insure only the trip cost you lose if you cancel. If you just pay a 50% penalty to cancel a hotel reservation, insure that amount rather than the full cost of the hotel to get a less expensive policy.

Mistake 3: Overlooking the Least Expensive Policies

When comparing travel insurance, more expensive does not mean better. Each provider tailors their policies toward a specific demographic. If one policy is less expensive than another policy with the same coverage amounts, it’s because the traveler falls in that provider’s sweet spot, not because the coverage is worse.

Expert Tip: Pick the least expensive policy that meets the coverage you need.

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Travel

Treacherous beauty: Hiking at South Stack Lighthouse in Wales

#Lighthouse fever in #Holyhead, #anglesey via the #SouthStackLighthouse, as checked during this #LGBT trip to #Wales.

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Yes, tech has made many lighthouses redundant. Not that they’re no longer relevant. But navigation-wise, we know we have more advanced solutions. Which, perhaps not surprisingly, led to the reconfiguration of many of them.

In Holyhead, Anglesey in Wales, introducing the South Stack Lighthouse.

@outragemag #Lighthouse fever in #Holyhead, #anglesey via the #SouthStackLighthouse, as checked during this #LGBT trip to #Wales ♬ original sound – Outrage Magazine

Una, you’d need a ride to be there. Some use private cars, as we did; others join tours; and others cycle to the place.

Ikalawa, what’s there?

The lighthouse itself is located on a small, rocky island off Holyhead. From afar, it looks like someone’s grand home; mansion-like. Accessible siya after you descend down 400 steep steps. 

What will you see while there?

  • the former lighthouse engine room
  • the top of the lighthouse
  • South Stack is also home to breeding seabirds including guillemots, razorbills and puffins

Here’s an FYI: seasonal lang siya bukas.

This is a must-check for lighthouse lovers, of course. Historic, it was built in 1809 by Trinity House from the design of Daniel Alexander. 91-foot tall, it used to allow safe passage for ships on the Dublin–Holyhead–Liverpool sea route. 

Another FYI: It is  allegedly haunted, and has been visited by a team from “Most Haunted”.

The area housing the lighthouse is, itself, worth checking. There are trails for hikers or joggers or cyclists; though the same could be enjoyed by those who are there only to look for good shots.

Check when you’re in the area… even if you just pass by. Nice siya, promise.

But off we go for more LGBTQIA+ rampa

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Travel

Enjoying nature via trail hiking in Wales

Enjoying nature via #trail #hiking at #Snowdonia #SnowdoniaSlateTrail during one #LGBT visit in #Gwynedd, #Wales.

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When in Bangor, you’d be told often that among the best things to do is to hike. And among the must-check is the Snowdonia Slate Trail, which links the old slate-quarrying communities of Eryri/Snowdonia.

So… ayan na nga, even without the right outfit for hiking, but ayaw ma-miss ang chance to check the area, off we went.

@outragemag Enjoying nature via #trail #hiking at #Snowdonia #SnowdoniaSlateTrail during one #LGBT visit in #Gwynedd, #Wales ♬ original sound – Outrage Magazine

Una, the circular route starts near Bangor/Porth Penrhyn. And you need a car or whatever to get to the starting point.

Ikalawa, the trail isn’t just for hiking. It’s also for biking or walking dogs. So you’d be sharing the 133-kilometer long trail with others.

Ikatlo, what’s there?

Mountains built by remnants from quarry sites, to start.

So… Gwynedd used to be known for slate quarrying, and among the biggest players is Penrhyn Quarry which is near Gwynedd, part of The Slate Landscape of Northwest Wales, a UNESCO World Heritage Site.

Now… with slate quarrying, around 75% of extracted material are inferior in quality, called overburden, and so becoming mineral waste. Here, they’re now mountains.

But the trail also shows views typically associated with Wales – e.g. rolling hills that go on forever, rock fences, sheep farms, canals with flowing water… and more.

Usually, sa matatag, people hike the Snowdonia Slate Trail for up to seven days, passing through Bethesda, Llanberis, and so on. But for others… it’s but an opportunity to commune with nature, in a way, while taking those must-have shots.

But we’re off for more LGBTQIA+ discoveries…

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Destinations

Finding beauty, and not just of faith, at the Bangor Cathedral

Seeking #LGBT #faith or beauty in #Wales? Check out the #Bangor Cathedral in #Gwynedd.

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A common practice among many Pinoy travelers is to visit a church, preferably Roman Catholic, in new places visited. Here’s the thing when you’re in the United Kingdom: it’s harder than you think because, while Catholics do exist, many of the churches here are of the Church of England/Anglican.

On one hand, without intending to gaslight, I often joke that it’s not like you’re praying to different gods (LOL).

But on the other hand, actually dropping by these churches can be eye-opening. Not just to faith, but seeing beauty in their richness… in history, architecture, and so on…

At least this is what was gleaned in the Bangor Cathedral in Wales.

@outragemag Seeking #LGBT #faith or beauty in #Wales? Check out the #Bangor Cathedral in #Gwynedd ♬ original sound – Outrage Magazine

Una, if you’re in Gwynedd, this is very accessible. It’s there, in the middle of the oldest city in Wales. But if you’re from elsewhere, you need to travel to the city that’s over three hours away from London.

Ikalawa, this is formally St. Deiniol’s Cathedral, which has been used since about the 6th century. 

As FYI: St. Deiniol, the 6th-century Welsh saint, wasn’t “made” a saint through the Roman Catholic canonization process. In the olden times, Welsh/Celtic Christian holy figures were usually recognized by local church tradition, reputation for holiness, and their role as founders/abbots/bishops, rather than by a formal Vatican procedure. In the case of Deiniol, he founded the monastery/church at Bangor around 525, so that over time, he was venerated as Saint Deiniol.  

Ikatlo, what to see there?

Architecturally, it’s a mix of Norman/Romanesque and Gothic. It does feel medieval… and grandly so.

Inside, you’d see a layered medieval–Victorian Gothic interior, apparent in the stone arches, choir stalls, stained glass, and so on.

Those stained glasses, let’s emphasize, are from the 19th- and early-20th-century, including works by Clayton & Bell, James Powell & Sons, Burlison & Grylls, and Mayer & Co.  

Should you seek this one out? Deserving ba na sadyain? Kung nasa area ka na, keri. Welcoming naman ang church.

Otherwise… rampa elsewhere na, as I do sa patuloy na LGBTQIA+ wandering…

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