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Travel Insurance - A guide to making the right choice

In an era where many of us have become more conscious about spending wisely, it is worth noting that travel insurance is not the place to cut corners. Traveling without insurance is a risk that can turn an otherwise delightful trip into a financial nightmare in an instant, should something unexpected occur.

Now, understanding and choosing the right travel insurance might not be as thrilling as exploring a new city or tasting exotic cuisines, but it is an essential safeguard for your well-planned adventures, and with the myriad of options and fine print complexities, it is crucial to approach this task with a clear understanding and a defined strategy.

So, how do you ensure that you are making the right choice? Here is how to navigate through the maze of options without getting lost:

1. Understand Your Needs

To start, take stock of your individual needs and travel plans. Will you be hiking the Swiss Alps or sunbathing in Bali? Do you have a pre-existing medical condition? Do you plan to partake in extreme sports or activities that might be considered high-risk? Answering these questions will give you a clear idea of what coverage you’ll need.

2. Coverage is Key

The primary aspects you should be looking for are:

Medical Coverage: This should be your top priority. Look for policies that cover emergency medical costs, hospital stays, and even medical evacuation if necessary.

Trip Cancellation and Interruption: This covers the cost, if you need to cancel or cut your trip short due to unforeseen circumstances like illness, family emergencies, or even sudden work obligations.

Lost or Delayed Baggage: If your luggage is lost, delayed, or damaged, this coverage will come to your rescue. It also typically covers the replacement of essentials like clothing and toiletries.

Personal Liability: This covers costs if you are legally liable for accidentally injuring someone or damaging their property.

3. Exclusions and Fine Print

The devil is in the detail, so make sure you thoroughly read the policy’s fine print and understand the exclusions. For example, many policies won’t cover high-risk activities like bungee jumping or paragliding, unless you purchase additional coverage.

4. Claim Process and Customer Support

A responsive customer support team and a smooth claim process are crucial. Look for insurers with 24/7 assistance and positive reviews regarding claim handling.

5. Compare and Decide

Finally, compare different policies and insurers. Consider factors like coverage, cost, customer reviews, and the claim process. Remember, the cheapest policy isn’t always the best. Look for one that gives you the most comprehensive coverage for a reasonable price.


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Recipe: Sparkling iced tea with peach and raspberries

Iced tea season is back, so I thought I would share this recipe for sparkling iced tea, packed with fresh peach and raspberries, and perfect for a hot summer day.

Try to make the tea base a day in advance, and chill it overnight in the fridge. This allows the flavors to mingle and get to know each other, resulting in a somewhat smoother taste. If you’re in a hurry, though, you can just make a strong pot of tea and chill it quickly with ice cubes. Just remember that the ice will water the tea down a bit, so the tea flavor might not be as strong.

The iced tea looks its very best, when served up in a big mason jar, but a glass pitcher works just as well. You can use any kind of tea as a base. Black, green, white – it’s all good, but if you’re after a truly peachy and delicious flavor, try the Delta Peach Yaupon Holly Tea from Yazoo Yaupon.

Recipe: Sparkling iced tea with peach and raspberries

Recipe by Mitzie Mee – Sanne
Course: Iced Tea
Servings

1

jar (34 oz) + 2 refills

Iced tea season is back, so I thought I would share this recipe for sparkling iced tea, packed with fresh peach and raspberries, and perfect for a hot summer day.

Cook Mode

Keep the screen of your device on

Ingredients

  • 34 oz chilled tea

  • 1-2 tablespoons honey or sugar (optional)

  • 6-8 raspberries

  • 1 peach

  • sparkling water

Directions

  • Brew a pot (34 oz) of your favorite tea. Let the tea steep until it is a strong as possible, but without getting bitter. Usually, that would be 10 minutes for black tea and 30 minutes for Yaupon Holly tea.
  • Add honey or sugar (Optional). Make the tea a little sweeter than you normally would, as it will be diluted by the ice cubes and the sparkling water. Stir until the honey or sugar is completely dissolved.
  • Let the tea chill in the fridge overnight, or chill with ice cubes.
  • Cut ¾ of the peach into small pieces. Cut ¼ of the peach into paper-thin slices for decoration.
  • Chop the raspberries coarsely.
  • Stick the paper-thin slices to the inside of the jar.
  • Fill ⅓ of the jar with ice cubes.
  • Add the peach and the raspberries.
  • Fill half of the rest of the jar with tea.
  • Top up with sparkling water.

Recipe Video

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Discovering Yaupon Holly Tea: A Native American Tea with a Modern Twist

Hello tea lovers! Today, we’re taking a detour off the beaten tea trail and diving into the world of Yaupon Holly tea. It’s native to North America, packed full of flavor, and comes with a backstory as rich as its taste. Grab a mug, sit back, and let’s steep into this.

A Tea with a Past

Yaupon Holly is a plant indigenous to the southeastern United States. It is a hardy evergreen shrub that likes to put down roots near coastal areas, but it is flexible enough to adapt to a variety of environments. From Texas to Florida, and all the way up to Virginia, you will find this tough little plant making itself at home.

Yaupon Holly is one of the few plants native to North America that naturally contains caffeine, and Native American tribes, particularly in the southeastern region, recognized this and made ample use of the plant. They harvested the leaves and stems, which were then roasted and brewed to make a stimulating beverage known as “the black drink”. The black drink was often consumed in vast quantities during purification ceremonies before significant events, such as meetings, trade negotiations, or battles.

Yaupon Holly Tea Today

In recent years, Yaupon Holly tea has been rediscovered as a versatile, enjoyable brew, and it is a great alternative to your typical black or green teas. Wonder why? Yaupon Holly is one of the few native North American plants that naturally contains caffeine, but it also has an advantage over its East Asian tea cousins: it contains no tannins.

If you are not a tea enthusiast, you might be wondering, “What are tannins?” Well, they are naturally occurring compounds found in many plants, including tea leaves. While they can contribute to the taste and color of the tea, they are also responsible for that bitter, astringent taste when you accidentally over-steep your tea. And here is the beauty of Yaupon Holly tea – with no tannins, there is no risk of over-steeping. For someone like me, who would usually just leave the tea bag in the mug, this is great. Even after an hour, the tea will still taste just as smooth and delightful.

The Perfect Summer Brew

During the winter months, a cup of hot Yaupon Holly tea is as comforting as a big hug, but during the summer months, Yaupon Holly tea is a superb option for any kind of chilled concoction you may have in mind. Because Yaupon Holly lacks tannins, it is fantastic for making iced tea, without that cloudy, bitter result that can sometimes happen with other teas. Just a smooth, mildly sweet iced tea, perfect for sipping on those lazy summer afternoons. Yaupon Holly tea is also great as a base for cocktails. The tea has a mild, slightly sweet, and earthy flavor profile that pairs well with a variety of spirits. Brew your tea, allow it to cool, add a dash of simple syrup, and you have a nice mixer for your summer drinks.

Happy brewing!

 

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