Why Work with Generali?

Service that Cares

You want your clients to know they can count on the travel insurance that you sell—that’s why we’re happy to tell you a little bit more about the history of our business and what makes us different in the insurance industry. As we share who we are and what you can expect from the future of Generali travel, we’re also excited to introduce some of the newest additions to our leadership team—travel industry experts who all share a passion for improving the customer experience and keeping our partners and mutual clients at the heart of everything that we do.

New Brand, Same Service

Founded on the vision of bringing a comprehensive travel insurance solution to the United States, CSA Travel Protection got its start in 1991 with 10 employees. Nearly 30 years later, we’ve grown into one of the country’s top travel insurers. Changing our brand identity to align with our decade-long shareholder, Generali, builds on our company’s founding vision—we’re growing our relationship with a leading global insurer and strategic partner that can provide strong financial backing as both our business and the travel industry continue to thrive.

We bring the unique value of responsive, thorough service backed by one of the largest insurance companies in the world.

With our new brand identity—Generali Global Assistance—comes a more unified experiences for our valued partners and shared customers. As part of the Generali Group, a Fortune Global 500 company, we’re able to leverage the global scale, financial stability and resources of one of the strongest and most successful corporations in the world. Employing over 71,000 people in 60 different countries—all powered by a digital platform that allows us to administer the kind of support that your clients deserve—Generali has the ability to provide travel protection offerings where our partners need us to be through globally integrated underwriting, administration, technology and assistance platforms.

“The global travel market is doubling over the next 5 years, from 1 to 2 billion.” – Philippe Gervais, President, Generali Global Assistance North America

In addition to valuable insurance coverage, Generali travel insurance plans also include access to an international network of employees and partners available to provide the best possible travel and emergency assistance services worldwide—so your clients can travel with more peace of mind. All of our assistance services are provided by our stockholder, the Europ Assistance Group, which pioneered the emergency assistance concept in 1963. Today, EA Group provides assistance every 2 seconds worldwide 24/7 via 35+ multilingual assistance centers. They also manage 10,000 medical transports annually via air ambulance and commercial airline. Their wealth of in-house expertise, resources and technology enable them to provide turnkey logistical support for all types of evacuations.

While we’re building on Generali’s global support and resources, we’re also proud to maintain the spirit and service standards of a small company—growing the hands-on, dedicated account management, exclusive sales and marketing support, reporting solutions, and award-winning customer services and claims management that we’re known for. Expanding our support channels allows us to continue to administer our plans in-house—based out of our home office in San Diego, CA—where our company was first founded and where your clients can reach our dedicated customer service team seven days a week.

Meet the Team

Over the past year, these faces that have become regulars around the San Diego office. We’ve enjoyed getting to know the newest members of our leadership team and think you will too.

James Sion, Chief Operating Officer

James joined Generali a little over a year ago and during his short time leading the operations team has already made great strides in building on our strong foundation of customer service, improving our standards and streamlining our processes. James has 20 years of insurance industry experience and has worked for both Allianz and AIG. When asked about our company, he’s proud to be a part of the Generali team.

“We are a world-class leader in travel insurance—with the best employees in the industry.”

Brad Rutta, Chief Digital Transformation Officer

Brad brings over 15 years of insurance marketing experience to Generali Global Assistance. A creative leader, he’s worked at notable travel and insurance companies such as Delta Dental, Berkshire Hathaway and Uber. He’s motivated to contribute positive changes in the travel industry as technology and customer demands evolve.

“The industry is rapidly changing, and we see the opportunity to create the first truly global travel insurance platform, for our partners and their clients. The global reach of Generali and Europ Assistance allow us to create products and services that are as limitless as the destinations of our customers.”

No stranger to travel disruptions, Brad recommends planning for the unexpected as much as possible when traveling, acting quickly and being friendly in times of stress. While airlines and other suppliers continue to automate the travel experience with technology, A.I. hasn’t figured out the nuances of trips and travelers just yet. “There is no cookie cutter approach to travel emergencies,” he says, “and the need for real people that can assist you in times of trouble is becoming more relevant.”

Philippe Gervais, President

Philippe has worked for the Europ Assistance Group for over 15 years and brings strong strategic direction to Generali Global Assistance, in addition to in-depth assistance industry experience. Philippe is excited to join Generali Global Assistancein the U.S.—one of the fastest growing and most significant entitites within the Europ Assistance Group. When asked about the future of the industry, Philippe considered how Generali will be able to continue to grow and support our partners in the years ahead.

“We’re happy to be able to support our customers and our partners and where they want to go with their international goals—we have an international presence, a network of providers and the faculty to help our domestic partners grow where they want to be.”

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as Generali Global Assistance 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 Generali Global Assistance’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.

Sell More Insurance—While Leaving Coverage Discussions to Us

Offering travel insurance can be tough. Insurance isn’t easy for anyone and coverage matters can be complicated. With years of experience, we know a few ways to make the sale a little simpler, while leaving the coverage conversations to us—your travel insurance experts. Follow these three tips, make more commission and help your clients travel satisfied.

1. Assume the sale

Not everyone thinks about purchasing insurance, but the troubles that insurance covers could happen to anyone. When offering coverage, assume your clients are aware of these risks and can travel with more peace of mind if they insure their plans.

Scripting:

“Your total before purchasing travel insurance is $X.”

2. Present the penalties

Clients with non-refundable plans may not be able to afford another vacation if they have to cancel or interrupt their trip unexpectedly. Make your clients aware of this risk. If your clients have a penalty schedule, offer travel insurance after you explain it to them.

Scripting:

“If you have to cancel within X days before your trip, you will be held responsible for $X in cancellation penalties. However, I can add travel insurance to your booking for $X and you’ll receive coverage for trip cancellations and interruptions from covered reasons.”

3. Better safe than sorry

Coverage is detailed and your clients might want to think about it. Travel insurance comes with a free look period for this purpose. Clients can buy coverage when they book and review their plan details within the free look period. If they decide to cancel their coverage during the free look, they’ll receive a full refund of their plan cost, (provided they haven’t traveled or filed a claim). This scenario is preferable to clients opting out at booking and something happening while they’re deciding whether or not to purchase coverage. At that point, it’s too late.

Scripting:

“We highly recommend purchasing insurance while booking today. Sometimes travelers aren’t sure and decide to wait, then something happens before they’re able to purchase coverage and it’s too late. If you buy coverage now, it comes with a free look period and you have the next 10 days to decide if you want to keep it. If you decide to cancel, you’ll receive a full refund of your plan cost, as long as you haven’t traveled or filed a claim.”

If your clients start asking coverage questions, don’t fret, our representatives are happy to help answer them. Encourage your clients to contact our customer service team: 866-999-4018.

Insurance aside—what are some of your tried and true tips for making the most out of your wave season bookings? Send them to us, we’ll be sharing your suggestions on social media in the coming weeks.

Send My Suggestion

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as Generali Global Assistance 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 Generali Global Assistance’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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Winter Travel Chaos: How Vacation Rental Insurance can Help in Case of Sickness, Weather and More

Whether your guests are escaping the cold or headed to the slopes for a ski weekend, traveling during the winter season comes with its own set of hazards. Smart travelers know that getting caught without a travel insurance plan could be a costly opt-out, especially when winter brings illness and travel delays.

Last winter was one of the most severe flu seasons in recent memory and winter storms packed a wallop, causing trip cancellations and travel delays across the country. Read below for risks for guests to be aware of when traveling this winter season, how travel insurance might help alleviate those risks, plus some winter travel tips.

Vacation Rental Insurance for Flu Season

Flu season can have serious consequences for a trip. For instance, just before your guests expect to leave on a vacation, someone staying at the reservation gets too sick to travel. Your guests could be out of luck if they have a non-refundable reservation, airline tickets or other prepaid trip costs and can’t get a refund. One in six U.S. adults have been forced to cancel, interrupt, or delay their travel plans, and medical conditions are often the cause. But, a travel insurance plan can help your guests in this situation

Generali Global Assistance vacation rental insurance plans include coverage in case your guests get sick and need to cancel or interrupt their trip. They can be reimbursed for unused, non-refundable, pre-paid trip costs that they would otherwise lose. Keep in mind that the illness must occur after your guests purchase their plan, the sick person must seek the in-person treatment of a physician and be unable to travel, according to a physician. Your guests can also be covered if a non-traveling family member is hospitalized and your guests are unable to make the trip.

The 2018 flu season was one of the most severe in the last 40 years, with record hospitalization rates and more than 80,000 deaths.  The flu season can last from October to May, but often peaks in January and February.

Typically, people over the age of 65 are the most likely to be hospitalized during flu season. Travelers in that age range should be especially aware of winter travel risks and how travel insurance can help.

Watch the Ice on the Steps

With winter weather comes the increased risk of injury from falling on ice and snow, shoveling snow or de-icing your car along with accidents from winter sports. The rate of car accidents also sky rockets this season. Each year, more than 418,000 people are injured in weather-related car crashes in the U.S.

The Centers for Disease Control ranks falls as the top cause of injury among older Americans, a situation that becomes even more concerning during the winter.

Similar to illness, a vacation rental insurance plan can cover the cost of your guest’s vacation if they’re injured before or during their trip and they’re within a penalty window. Whether or not your guests decide to insure their plans, we recommend following these tips to avoid common winter accidents that could throw a wrench in their travel plans.

Winter Storms

Winter storms are inevitable. They happen every year, and whether your guests are flying or driving to their destination, if they get caught in one, chances are they’ll experience some sort of travel delay.

Bad weather is always a risk when flying, but if a winter storm hits, flight cancellations and delays are bound to happen and your guests may take on some unplanned costs. If this happens, travel insurance can provide coverage for additional expenses to help get your guests to their destination as planned or back home, in addition to reimbursing for lost trip costs. Coverage is also included for certain out-of-pocket costs, such as meals, local transportation or even additional lodging or parking charges.

Check this list of the U.S. airports with the most weather delays. Your guests may wish to avoid connecting in those airports during the winter.

Keep in mind, if a weather event, like a blizzard is foreseeable, then travel insurance may not cover it. If the plan is purchased after a storm is named, coverage is typically not provided for losses resulting from that named storm.

Winter Sports

Whether your guests are traveling to take part in wintertime sporting activities or are ice skating, skiing, snowboarding, sledding or any of the other cold weather sports before their trip, one wrong slip can send someone to the hospital and put a quick end to their vacation plans.

Travel insurance also provides coverage for emergency medical evacuations if a guest is injured during their trip—a potentially important safeguard for winter sport travelers.

Baggage

Airlines are updating technology each year and doing a better job of handling bags so they don’t get lost as often. But, all that progress can be quickly lost during the chaos of a winter storm. Just last year, tens of thousands of bags were lost at JFK Airport during a storm, and even 11 days afterwards, hundreds of travelers were still left without their baggage.

47% of airline’s delayed bags in 2016 were misplaced during transfer.

The best tip for avoiding such a fate is to fly direct whenever possible, and if a connection is necessary during the winter, your guests should try to connect through an airport that isn’t usually hit by winter weather. Or, follow these tips to only pack a carry-on and still bring the winter weather clothing you need.

It may also be helpful for your guests to have travel insurance with coverage in case their bags are delayed. Generali travel insurance includes this with each of our vacation rental insurance plans. This means they can receive coverage if they have to buy additional personal effects because their bags were delayed.

From storms to the flu, travel is all the more unpredictable during the winter months. The best way to help your guests plan ahead for unforeseen travel mishaps is to offer a vacation rental insurance plan when booking their trip.  To learn more or to set up a training session, contact your account manager.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as Generali Global Assistance 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 Generali Global Assistance’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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Risks without Reward: Why It’s Important to Insure

Travel insurance is pretty much never your client’s top-of-mind concern when booking a trip. The cost of purchasing a plan may not seem worth it when it comes time to buy. So why recommend they spend their hard-earned vacation savings on something so “un-fun”? The simple answer: because things happen and they can happen to anyone. Getting caught on a trip without insurance could be costly if your clients opt-out.

Purchasing a plan could be the difference between knowing what to do and having to make a tough decision. Or the difference between having travel insurance coverage and assistance services on your client’s side vs. a heap of uncovered, out-of-network medical bills.

Here are a few common scenarios resulting from covered events where travel insurance can make all the difference for your clients.

Family of five taking a beach vacation: Tough decisions

It’s the day before a vacation and a quick trip to the doctor confirms your clients’ fears: the youngest has the flu. Being well prepared and savings-savvy, your clients purchased their travel arrangements well in advance, including flights, their condo reservation, theme park passes and concert tickets—all of which are non-refundable.

Your clients aren’t sure what to do—should some of the family try to take the trip anyway? Nobody likes the idea very much and their youngest has been looking forward to their first visit to the family’s favorite theme park for months. If your clients purchased travel insurance, making a tough decision could be a lot easier. Instead of worrying about trying to salvage the vacation in some way, your clients could cancel and file a claim for reimbursement for up to 100% of their insured trip costs, provided all coverage requirements are met—giving your clients the opportunity to reschedule their vacation for a time when everybody can take the trip and enjoy it as they’d planned.

Single professional touring Europe: Unexpected itinerary changes

Your client just started their multi-city, two week trek through Western Europe when an unexpected storm cancels their flight out of JFK. Stuck in the states, your client will have to wait and fly across the Atlantic the following day, missing their connecting flight in Dublin. Unsure when they’ll make it to Brussels, your client is also forfeiting at least one night of lodging and is worried they might miss their tour group’s departure to Paris the next morning.

These types of unexpected delays are what travel insurance is designed for and if your client purchased a plan it can help in several ways, up to the benefit amount provided. Because your client’s delay is six hours or more, the plan provides coverage for dinner and an overnight hotel stay in New York—a weight off their shoulders while they call our 24/7 travel assistance team for help planning their new itinerary. Your client’s travel insurance can provide coverage for their prepaid travel arrangements they have to forfeit, like their first night of lodging in Brussels and any missed tour days. And if it turns out your client has to book a flight with another airline or purchase additional transportation to catch up to the tour in Paris, travel insurance can provide coverage for these costs as well. Having booked their long-anticipated tour on a budget, your client is relieved and relaxed to have travel insurance on their side, and grateful you recommended it to them since airlines aren’t obligated to cover any of these costs.

Senior couple taking a cruise: International medical costs

Your clients are enjoying a Caribbean cruise for their 45th wedding anniversary when the Mrs. takes a spill on the upper deck and injures her ankle. She receives medical assistance from the ship’s on-board physician, but the facility is limited so your clients will have to cut their trip short to seek more thorough care for their medical emergency. Your clients contact our 24/7 assistance team who speaks with the on-board physician and arranges for your clients’ transportation to the nearest suitable medical facility that can adequately treat the injury

In addition to assisting your clients and arranging for their transportation to the nearest hospital, your clients’ travel insurance plan can also reimburse them for their missed cruise nights and overnight lodging, meals and local transportation while your clients are delayed. Once your clients can return home from the hospital, travel assistance can help arrange the flight back and their insurance coverage can provide coverage for the cost to modify their return tickets.

Without travel insurance, your clients would be navigating this difficult situation on their own, facing unfamiliar circumstances and international medical expenses that their primary insurance is likely unable to cover. With our plan on their side, Generali Global Assistance is able to work with the cruise line on your client’s behalf to help them get the treatment that they need.

While no one wants to think about them when planning a trip, travel mishaps are quite common. Relying on travel suppliers to “make things right” if something goes wrong might leave your clients high and dry, so recommending your clients purchase travel protection could be the best piece of advice that you can give them. If you have any questions about our plans our customer service team is available seven days a week.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as Generali Global Assistance 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 Generali Global Assistance’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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