Vietnam and Sri Lanka could both be excellent choices for what you have in mind. Both are best for people who already have experience in these sorts of places, which you do. Twelve days could be a perfect length of time for a classic tour of Vietnam, flying into Hanoi and spending a few days there and in Halong Bay (with a possible side trip up to Sapa), and then taking the train down to Denang for a quick transfer to Hoi An. Hoi An is really a wonderful place and 3 or 4 days there would be great. There are good beaches nearby as well. Then take the train down to Ho Chi Minh City for a few more days before flying home from there. You could also do a side trip to Nha Trang (wonderful beaches) or Dalat up in the mountains. Vietnam really is gorgeous and the food is wonderful (French influences remain) but it can be a bit complicated for new travelers because you’ll find that many people you meet are trying to hustle you a bit, particularly travel agents booking trips and tours. The hotels are generally honest and great value, and so are the restaurants. You’ll learn to ignore the annoying people quickly.
It would be hard to beat Chiang Mai for its combination of great November weather and low prices. Even though it's officially the start of the high season for hotels, the beginning of the month is usually very slow anyway, so bargains are common. Hotels in Chiang Mai are among the best bargains in the entire world, so even if you do have to pay full price for a room it'll be cheaper than a dorm bed in most European cities.
There are many other Thai islands that could also be ideal and have what you are looking for. Another option is Boracay Island and I mention it because I spent an evening hanging out with some guys visiting from Saudi Arabia and they liked it a lot. The weather won’t be “cool” but it should be nice, and they do have very good nightlife in the Boat Station 1 area.
November is a perfect time to visit Bermuda, with temperatures in the mid-70s and pink sand beaches that are less crowded than in high season. There are many ways to explore the 21-square-mile island, from under the sea where you can snorkel or dive among coral reefs or shipwrecks to the Bermuda Railway Trail, an 18-mile abandoned rail bed that winds through scenic landscapes and shorelines. The Crystal Caves take you into an underground world with a subterranean lake and white limestone stalagmites. The 36-acre Botanical Gardens, established in 1898, inspired John Lennon during a two-month Bermuda stay that led to his Double Fantasy album.
As for flight connections, Barcelona and Madrid should have decent connections to Toronto and Delhi, while Casablanca (Morocco’s largest airport) probably does not. So Spain is the better choice by that standard. On the other hand, you can get to Morocco by ferry from Spain in a short time, so you could go to Spain and also visit Morocco for a day or two.
Even if you can't sunbathe, the weather is still reliably pleasant all the time, with almost no rain. Weekly and monthly apartment rentals here are very popular, but there are plenty of hotels and hundreds of restaurants for those coming for shorter periods. If you want to be with the most English speakers you'll want to focus on the southwest area of the island around Los Cristianos and Playa de la America.
I haven’t followed the Zika list, but I do understand the concern. Since you aren’t big beach people, you might just bring jackets and go to a more romantic city like Paris, and then maybe down to Nice for part of the trip and something a bit different. I’m not sure if this is helping, but if you have any questions about any of this I’m happy to keep trying. -Roger
As for Indonesia vs. Philippines, I’ve been to Bali quite a few times but I haven’t been to Bandung. And for the Philippines I’ve spent time in Manila and in Tagaytay just to its south, and I don’t think I’d recommend those for a longer trip. And I also spent two weeks on Boracay Island, which is quite nice, but it’s small and also a place I wouldn’t recommend for a longer trip like yours. For information on Indonesia you might go to my friend’s site – travelfish.org – which is an excellent resource. Unfortunately, they don’t cover the Philippines yet. Best of luck with what you end up doing. -Roger
If you book a resort hotel from home you'll probably think Goa hotel prices are much higher than you were expecting, but if you book a family-run place once you arrive you'll still find fantastic bargains. It's probably wise to book a few nights online before you get to India, because it can be incredibly confusing at first. After that you might be able to find a similar place for half the price by just checking around the same area.
November brings the annual Vodafone Mexefest Music Festival (Nov. 24-25), a gathering of popular artists in venues throughout Lisbon. The Lisbon & Sintra Film Festival, in its 12th year, is a celebration of cinema with directors, actors, artists, musicians, and writers in town for the event (Nov. 16-25). Billed as the “largest technology conference in the world,” Web Summit began in 2010 as a way to connect industry and the technology community (Nov. 5-8). The year’s new wine and the ripening of chestnuts are celebrated with the Magusto, on Nov. 11, St. Martin’s Day. The holiday spirit becomes apparent at the end of the month, with colorful lights and roasted chestnut vendors along the streets.