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6 benefits of cruise insurance

6 benefits of cruise insurance

Traveling on a cruise is an exciting experience to try at least once in a lifetime. A cruise offers a range of amenities for adults and children, including live music, concerts, water activities, and delicious meals. However, embarking on a cruise means that one will be away from home for at least a day or two, if not longer. Having cruise insurance can help address various situations that may arise while on board the ship.

Last-minute cancellation refunds
One might have to cancel a cruise trip at the last minute for various reasons, including a family or health emergency. However, cruises have terms and conditions that may prevent the issuance of a refund. If one is faced with this situation, one might lose all the money spent on the cruise package. However, having a cruise insurance plan could offer complete reimbursement or credits.

Coverage for missed cruises
Sometimes, one might need to fly to a city to board a cruise. If the flight gets canceled due to extreme weather conditions, there is a high chance one may miss their cruise and not get a refund in the process. In such situations, signing up for travel insurance can help reimburse an individual for eligible meals, hotel stays, and lost prepaid expenses if a trip delay is experienced. Moreover, trip interruption benefits can also help secure reimbursements for the cost of transportation to the cruise’s first port of call, where one board the ship.

Healthcare benefits
A cruise has basic healthcare amenities onboard to help travelers manage an illness emergency. However, this might cost a lot more than one might anticipate. Even Medicare does not cover health care services when the ship is more than six hours away from one of the country’s ports. A healthcare emergency may require physical evaluations, which could mean getting airlifted to the nearest hospital, which may amount to as much as $100,000. An emergency travel insurance may help pay costs up to the plan’s limits. The coverage may include services such as a 24-hour assistance team to monitor care.

Trip reimbursements due to bad weather
A cruise ship company takes all the necessary precautions to ensure the safety of the crew and passengers during extreme weather conditions. However, unexpected events, such as a hurricane, may result in the termination of the trip before its scheduled end, and a refund may not always be possible. In such cases, signing up for trip cancellation coverage can help the traveler get reimbursed for the missed portion of the cruise.

Financial default coverage
While it is rare for a travel provider to default financially, there is a slim chance they will face a crisis. But in the rare event that it does happen, it could lead to a canceled trip. In such a scenario, a cruise insurance policy can provide financial protection and help one recover some or all of the money spent on the cruise.

Lost luggage or baggage delay benefits
Regardless of the means of transport chosen, including a cruise, one could lose baggage. Signing up for insurance could help cover the cost of replacing or recovering lost items and purchasing necessities while the luggage is missing. This coverage can also reduce stress and help one enjoy the vacation despite losing their belongings.

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Stay at the top of your health game with these 4 tips

Stay at the top of your health game with these 4 tips

Think of the human body as a car. Pouring the cheapest gasoline (unhealthy food) in a car can damage the engine (bodily organs). Instead, if you can take care of yourself by committing to fitness via proper nutrition, it can take you a long way. In a recent study, it was found that approximately 55 percent of people derive daily calories from refined and processed foods. This can be counterproductive as these foods are full of unhealthy fats and devoid of essential nutrients. How are fitness and nutrition related to each other? Fitness and nutrition go hand in hand. Consuming foods containing healthy nutrients enables your body to function in a way conducive to physical and mental well-being. You may find yourself becoming more active, and burning calories off in a healthy manner. If you continue to maintain an exercise routine without getting adequate nutrition, it will have an adverse effect. So, here are some useful tips that can help you to be at the top of your health game: Keep a tab on your calories This is one of the smartest tips to stay healthy. Several diet plans focus on the number of calories that need to be eaten each day.
7 facts everyone must know about gout

7 facts everyone must know about gout

Affecting an incredible eight million-plus people in the United States, Gout is a serious form of arthritis that causes insurmountable pain in the joints. The condition, which is one of the oldest prevailing medical illness in society, develops due to the accumulation of uric acid in the joints, mostly troubling overweight adults and men. Delving further, here are seven must-know facts about this condition. In women, it is more common after menopause Gout basically occurs due to the accumulation of uric acid, which then forms needle-shaped structures in the joints and leads to pain, inflammation, and redness. Estrogen, a hormone found in women, naturally leads to uric acid being released through urine. However, after menopause, their estrogen levels start to drop, which makes the uric acid content in their blood rise. Gout can take birth even with normal levels of uric acid While most patients suffering from gout have a high concentration of uric acid in their bloodstream, some gout attacks can even occur with normal uric acid levels — a rare condition termed as asymptomatic hyperuricemia. Alcohol increases its risk Along with meat, fish, and poultry, alcohol consumption drastically increases the chances of developing gout. This is because alcohol has a high content of purine, a chemical compound that breaks down into urea in the body.
Top 4 reasons for unnatural hair loss patterns

Top 4 reasons for unnatural hair loss patterns

Hair loss is a natural process that automatically gets rid of old tissue and hair to promote new growth. So don’t be alarmed when you do find a few strands of hair tangled in your comb. However, a clearly visible scalp and a receding hairline are indicative of developing the problem of permanent hair loss. There are several internal and external factors that can accelerate hair fall, leading to pattern baldness in both men and women. Here are the top four reasons that trigger unnatural hair fall. Stress Stress ranks among the top risk factors associated with many medical conditions. In fact, one way or the other, taking physical or psychological stress harms the body more than you can imagine. For hair loss, especially, excessive shedding starts right after the body undergoes physical or psychological distress. A few examples include experiencing high fever, blood loss due to accident or injury, or even post-surgery recovery can result in stress that causes hair loss. Stress, coupled with anxiety, results in accelerated hair loss. To cope with this problem and reduce its effects, stress management is of crucial importance. Hormonal changes Men and women both experience hormonal changes throughout their lifetime. However, an imbalance associated with various conditions can trigger hair loss.
Learn about these 3 types of hearing loss

Learn about these 3 types of hearing loss

Hearing loss, deafness, or impairment is the partial or total inability to hear sounds. People with low to moderate hearing impairment face challenges in understanding what the other person is saying in a noisy environment. Whereas, people with severe deafness cannot hear anything, and rely completely on lip-reading and sign language skills. There are three main types of hearing loss: sensorineural, conductive, and a combination of both. Let’s understand these types in detail and learn about the causes, symptoms, and treatments of each type. Sensorineural hearing loss It’s the most common type of hearing loss. Sensorineural is permanent hearing loss often caused by damage to the tiny hair cells that line the inner ear or the auditory nerve. The damage stops or weakens the transfers of nerve signals to the brain. These signals are essentially the intensity and clarity of sounds. Causes: Aging and exposure to loud noises for a long period of time are the most common cause of the damage. Certain medications and illnesses can also increase risks. It can even be genetic, and pass on to the child in the mother’s womb. Treatment: There is no medical or surgical treatment available to repair the tiny hair cells once they’re damaged.
Simple lifestyle changes that reduce the risk of heart diseases

Simple lifestyle changes that reduce the risk of heart diseases

The heart is the most crucial organ in the body and as the system will cease to function if the heart stops or loses momentum pumping fresh oxygenated blood. This is why it is vital to not neglect your heart health at all and responsibly maintain a healthy, stress-free, and more importantly, a happy lifestyle. Here are a few simple lifestyle changes that will help support a healthy heart function. Switch to a healthy diet Avoid eating foods that are rich in trans and saturated fats. Most foods you find on the shelves of the supermarket contain large quantities of one or the other. Instead, switch to low-fat high fiber alternatives to help manage cholesterol. Maintaining a healthy cholesterol level in the body automatically reduces the risk of heart diseases. The simple reason for this is that fats that normally block major arteries and blood vessels are eliminated from these foods choices. It is also advisable to limit the salt (sodium) intake to control blood pressure and sugar to reduce the risk of diabetes simultaneously. Change certain lifestyle habits Reduce the number of alcoholic or carbonated drinks you have regularly. For men, it is advisable to have not more than two drinks and day and women must have only one.

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