The Benefits of Travel Insurance for Your Cruise During Wave Season

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CSA Travel Protection recommends when to buy and what to protect.

With the holidays right around the corner, ‘tis the season to be looking for good deals. Wave Season is the timeframe between January and March when cruise lines offer discounts, which means significant consumer deals and increased sales opportunities for travel professionals.

CSA Travel Protection, dedicated for 25 years to providing full-service travel insurance solutions, today shares why cruisers should consider travel insurance, when they should buy and what they should be trying to protect.

The type of travel insurance policy cruisers should purchase depends largely on the cruise type. According to Cruise Lines International Association (CLIA), river cruises have become increasingly popular over the last few years.

The price point for river cruises can be higher than most deep water cruises, so cruisers should look for a policy that covers them should they need to cancel or postpone. Deep-water cruisers are not as interested in protecting the overall trip cost but rather travel (hotel or airfare) leading up to the cruise and needing medical attention or emergency medical evacuation, especially when traveling internationally.

Cruisers are booking their trips as far as 18 months to a year in advance, CLIA reports. Oftentimes they are paying a deposit to secure their space. CSA advises cruisers that they should buy travel insurance as soon as they have booked their trip. If something unforeseen happens such as a terrorist or weather event during the waiting period before they leave, then they are more likely to be covered. CSA offers competitive travel insurance plans with a variety of coverages to help protect you during your cruise, including trip cancellation, medical and dental, emergency assistance and transportation and missed connection.

“If travelers are concerned about unexpected events and interested in protecting their trip investment, then that’s when travel insurance can play an important role,” said Bob Chambers, vice president of operations at CSA Travel Protection. “They need to be sure that they understand what policies are right for them.”

Knowing the benefits of travel insurance specific to the type of cruise and when to buy a policy is important. Additionally, researching and preparing ahead of a cruise proves useful. The Centers for Disease Control and Prevention (CDC) provides tips for cruisers including recommended vaccines, illness prevention and tips on travel and evacuation insurance.

Whether travelers book cruises through travel agents or online, they should remember to consider travel insurance from a reputable provider such as CSA Travel Protection during the booking process. Armed with this knowledge and a travel insurance policy, cruisers can sail off into the sunset feeling confident that they’ve protected their investment.

About CSA Travel Protection

CSA Travel Protection is dedicated to providing valuable travel insurance and emergency assistance services to protect travelers’ vacation investments and provide the peace of mind one deserves while traveling. For 25 years CSA has developed a reputation for standing behind its customers and by offering products and services to meet their needs. Through award-winning customer service, extensive experience and industry-leading innovation, CSA is with its clients every step of the way, whenever and wherever they are needed.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as CSA Travel Protection and Insurance Services.  Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance.  This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.  This notice provides general information on CSA’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. 

Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.

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Travel Insurance Trends: A Year in Review and 2017 Predictions

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As 2016 comes to a close, it’s important to reflect on this year’s milestones and accomplishments. CSA Travel Protection, dedicated for 25 years to providing full-service travel insurance solutions, has identified key travel insurance industry trends this past year and predicted what lies ahead.

Travel insurance protects travelers from unexpected events including illness, bad weather and acts of terrorism. Over the last year, current events have shaped the travel insurance landscape. Here is a brief summary.

  • Illness: The U.S. Travel Insurance Association (UStiA) issued a press release explaining the relationship between the Zika outbreak and travel insurance. As the press release indicates, travelers must do their homework to determine if their travel insurance would provide coverage for a trip cancelled due to the Zika outbreak.
  • Extreme Weather: Although weather events can range from a winter storm to flooding, Hurricane Matthew was an extreme weather phenomenon that affected travelers in 2016. Weather.com recapped Hurricane Matthew’s destruction toll. Travelers who bought travel insurance well in advance of Hurricane Matthew could have been covered, but those who purchased policies after the storm had been named probably were not.
  • Current Events and Acts of Terrorism: From Brexit to the New York City bombing, there were numerous world events, bombings, shootings, attacks, and acts of terrorism both domestic and abroad in 2016. Frommers.com reported that Brexit meant temporary lower costs for American travelers, which may have encouraged travel to Britain. Travel insurance policies vary in coverages for these types of events. If deemed an “Act of Terrorism,” then an event could be covered. Fear of traveling to an area affected by an event may not ensure travel insurance coverage.

“The outcome is that travelers want to know more about travel insurance and what it covers in situations like these. Travel professionals and travel insurance companies are doing more to educate consumers to help them not only feel better protected while they travel, but better understand the protection they have in place,” said Bob Chambers, vice president of operations at CSA Travel Protection. “This growing awareness may be one reason why travel insurance companies are seeing an uptick in policies sold.”

In 2016, CSA Travel Protection reported an increase in travel insurance bookings up nine percent year over year.

2017 and Beyond: Travel Insurance Industry Predictions

While it’s difficult to foresee the complete travel insurance landscape for the next few years, CSA Travel Protection expects continued interest from consumers and travel industry professionals, and predicts that travel insurance will remain in high demand.

Technology will continue to be a major focus for the travel insurance industry. CSA Travel Protection is dedicated to finding new ways to make it easier for consumers and travel professionals to connect with CSA when they need to ask questions about their travel insurance plans while on their trip, file a claim and more. With more than half of all web traffic now occurring in mobile app e-commerce, CSA Travel Protection foresees that mobile technology will definitely expand in the next year or two.

Another area where technology—especially mobile technology—will continue evolving to improve the customer journey is in providing proactive travel assistance. Right now if travelers need help during a trip, they may often be required to notify their insurance company. Technology such as geo smart apps can help insurance companies identify when a traveler is in an area that has been affected by an event or catastrophe and proactively reach out to see if they need help. It can also be used to remind travelers before they depart on their trips about the services available with their travel insurance plans.

Travel insurance and assistance providers can leverage geo smart mobile technology to help travelers when there isn’t a crisis as well. For instance, travelers could benefit from a platform that can suggest and make it easy to perform tasks. These could include reserving and possibly insuring additional travel arrangements, purchasing tickets to special events and theme parks and assisting with last-minute itinerary changes like a previously unplanned pit stop while en route from one destination to another.

This is an exciting time for travel insurance companies as they continue finding and developing new and innovative ways to help travelers. And one thing is certain: as long as people travel by air, land or sea and seek the ultimate vacation destinations, they are making a trip investment. Travelers are becoming increasingly aware of unexpected circumstances that can arise during their trip. As a result, they should consider travel insurance from reputable travel insurance providers, such as CSA Travel Protection, to help protect their trip investment.

About CSA Travel Protection

CSA Travel Protection is dedicated to providing valuable travel insurance and emergency assistance services to protect travelers’ vacation investments and provide the peace of mind one deserves while traveling. For 25 years CSA has developed a reputation for standing behind its customers and by offering products and services to meet their needs. Through award-winning customer service, extensive experience and industry-leading innovation, CSA is with its clients every step of the way, whenever and wherever they are needed.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as CSA Travel Protection and Insurance Services.  Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance.  This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.  This notice provides general information on CSA’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. 

Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.

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How to Decide if You Need Travel Insurance for Your Holiday Travels

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The busy holiday season is almost upon us, and travelers face tough decisions when planning their vacations. These can include how much to spend, how long to stay and, of course, how to celebrate and who to celebrate with.

While Thanksgiving and the holidays are an excellent excuse to travel and have fun, there is one thing that is often overlooked. Common travel mishaps like lost luggage and delayed flights are just a few examples that can affect travel plans unexpectedly, but travel insurance can help. How do travelers know when they need it? CSA Travel Protection has been dedicated for 25 years to providing full-service travel insurance solutions. Its Vice President of Operations, Bob Chambers, asks travelers to consider the following tips before deciding to purchase or pass on travel insurance.

“A good rule of thumb is if you can’t afford to lose the amount you’ve invested in your vacation, then you should buy a travel insurance policy,” Chambers said. “If you have questions about which plan has the benefits you need, be sure to check with your travel insurance provider.”

Check your health insurance to see what’s already covered. Some health insurance plans may cover some in-network medical costs, but a travel insurance policy can be a good way to supplement, especially if the traveler is outside of their medical network.

One of the most valuable coverages for travelers is Emergency Assistance and Transportation. This can cost a traveler tens of thousands of dollars. Generally, U.S. health insurance companies won’t help arrange a medical transport, such as an air ambulance.

According to AAA, driving is the most popular mode of travel for Thanksgiving. While a lot of holiday travel remains domestic, if travelers’ destinations are international, then Emergency Assistance and Transportation coverage can be valuable.

Additionally, medical treatment can be difficult to arrange, and a reputable travel insurance company such as CSA Travel Protection offers services that can assist in finding a doctor and providing 24-hour emergency assistance. This can help when in another country and not fluent in the native language.

Many people think their credit card will cover them, which is oftentimes incorrect. Benefits offered through credit cards may be limited, and travelers shouldn’t assume they’re covered without checking with their credit card provider. For example, very few offer Trip Cancellation coverage, and the ones that do usually only cover for purchases made with the card, and oftentimes it caps at a certain dollar amount.

Timing is everything, especially when it comes to purchasing a travel insurance plan. Travelers should buy travel insurance as soon as they book their vacations. Insurance is designed to cover certain unforeseen events, so it’s best to have the travel insurance in advance. If travelers need to postpone or cancel for a covered reason, they may be eligible for benefits.

If a certain event, such as blizzard or other weather phenomenon is foreseeable, then travel insurance may not cover it. Events, weather related or even terrorist acts, are perils that could cause travel plans to change. Be sure to read the fine print and know exactly what a travel insurance policy covers.

For those who are vacationing over the holidays, a travel insurance plan could be a wise choice. Travel insurance may be a small part of the big picture when it comes to making holiday vacation plans, but travelers may be glad they made such a trip investment should an unexpected event arise.

About CSA Travel Protection

CSA Travel Protection is dedicated to providing valuable travel insurance and emergency assistance services to protect travelers’ vacation investments and provide the peace of mind one deserves while traveling. For 25 years CSA has developed a reputation for standing behind its customers and by offering products and services to meet their needs. Through award-winning customer service, extensive experience and industry-leading innovation, CSA is with its clients every step of the way, whenever and wherever they are needed.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as CSA Travel Protection and Insurance Services.  Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance.  This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.  This notice provides general information on CSA’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. 

Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.

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Don’t be Frightened, Insure Your Trip!

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Halloween has gained in popularity over the years and for many, staged haunted houses aren’t enough. Look below for highlights of some of the most haunted places to consider when planning your next vacation. Also, be sure to consider travel insurance—no tricks, no treats—just honest coverage for certain unforeseen issues you may encounter.

Moon over St. Anthony's GardenNew Orleans

Known as America’s most haunted city, if you’re looking for a good scare, this is the place to go. Voodoo queens, above-ground crypts, haunted manors, creepy bayous… it seems like ghouls might be hiding around every corner of the city. The Madame Lalaurie Mansion is reported to be the most likely place in the city to feel a chill run up your spine.


Illuminated cobbled street in old city by nightParis

From miles of underground catacombs to ancient cathedrals and graveyards, the long history of the city of lights has included revolution, wars, beheadings and plenty of other traumatizing events that make for a plethora of tales about hauntings and ghosts roaming tourist spots across the city.

 


Urquhart CastleLoch Ness

Famous for the Loch Ness Monster lurking in the depths, the loch is also home to the ruins of Urquhart Castle, which overlook the dark waters where sightings of Nessie have been reported for hundreds of years. Gaelic folklore identifies the monster as Each Uisge, one of the terrifying water-horses that are said to haunt the Highlands.


 

Insurance is underwritten by Generali US Branch, New York, New York; NAIC #11231. Generali US Branch operates under the following names: In California: Generali Assicurazioni Generali S.p.A. (U.S. Branch) In Virginia: The General Insurance Company of Trieste and Venice - U.S. Branch.

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