6 Fall Shoulder Season Destinations that Can Benefit from Travel Insurance

Traveling before and after travel’s high seasons, months known as “shoulder seasons,” can mean great savings for your clients, fewer crowds and friendlier locals. Different destinations experience their high seasons at varying times of year so before setting their hearts on a particular destination for this fall’s shoulder season— typically taking place between September and October—your clients are wise to do a little homework.

Here’s a list of some great fall shoulder season destinations and why travel insurance may come in handy when traveling there:

Hawaii and Getting There

After Labor Day, Hawaii is free from tourist-packed crowds and peak-season flight and lodging prices. While resorts and beaches are quieter in September and October, the weather remains in the 80’s and sunny—making it a perfect time to enjoy the islands’ beaches, wildlife and cultural traditions.

Why Your Clients Might Need Travel Insurance: Traveling to Hawaii is no small endeavor, especially if your clients are flying from the East Coast where they’re looking at a minimum of one connection and anywhere from 13 hours to a full day’s trek to get to the islands. Even flights from the West Coast will take no less than approximately six hours. A lot can go wrong during that time traveling cross-country or over the Pacific, including covered events like flight delays and cancellations due to bad weather that might force your clients to delay, interrupt or even cancel their plans. Travel insurance can help with those unexpected losses.

The Caribbean and Hurricane Season

The Caribbean offers a variety of attractive destinations throughout the fall shoulder season and beyond. The region known for its dream resorts, luxury cruises, stunning waters and rich heritage reaches its peak season in winter, typically January through March, so travelers tend to find the best prices in the preceding months. The downside of deserted beaches (and one way to explain them): hurricane season extends through the end of November in the Caribbean. Fortunately some of the southern islands such as Aruba, Bonaire, Curacao, Barbados, Grenada and Tobago rarely experience a hurricane making them both affordable and less risky destinations.

Why Your Clients Might Need Travel Insurance: Though storms can be rare and hurricanes tend to avoid certain parts of the Caribbean, your clients are nonetheless accepting a certain degree of risk when booking fall travel there—especially if heading to an island located in the hurricane belt. Travel insurance can help travelers recoup their trip investment if they have to cancel or interrupt their plans due to a mandatory hurricane evacuation or a flight delay or cancellation due to bad weather. See a Description of Coverage/Policy for event restrictions and complete details.

Mexico and Health Insurance

Fall shoulder season in Mexico coincides with the end of the country’s rainy season, peak hurricane season, some of the country’s quietest months and one of the most affordable times of year to visit. Travelers will find ample hotel occupancy at low costs and the rainy season’s showers are generally periodic and short—appearing in the late afternoon and leaving several hours of sun in the day to enjoy the Pacific or Caribbean coastline. For a cultural experience beyond the beaches, book your clients a trip in November when the country hosts a number of festivals including iconic Dia de Los Muertos celebrations.

Why Your Clients Might Need Travel Insurance: While Mexico provides health care to Mexican citizens and legal immigrants through its national system, Insituto Mexicano de Seguro Social, it does not have medical care arrangements with foreign nations. U.S. citizens visiting on vacation are responsible for any medical treatment they might need and often times must pay upfront before they are able to receive care, including emergency care. A number of U.S. citizens have even filed complaints with the US State Department regarding inflated charges from health care facilities near beach resorts. A well-rounded travel protection plan with Medical and Dental coverage, Emergency Assistance and Transportation and 24/7/365 emergency assistance services can help if your clients become sick or injured in Mexico and need help.

Canada and the Great Outdoors

Fall is a lively time for Canadian provinces with several, such as Montreal, Toronto and Quebec City, hosting concerts and festivals throughout the season and fall colors coming into view throughout the country. The favorable exchange rate will further enhance your clients’ shoulder season savings and the peace and quiet of smaller crowds make Canada a great destination if your clients are looking to enjoy the great outdoors. Room rates in Vancouver are rumored to drop by nearly half during this time of year.

Why Your Clients Might Need Travel Insurance: If your clients are looking to get outside and back to nature in Canada this shoulder season, it may be wise to travel with 24/7/365 emergency assistance should they find themselves sick or injured and needing medical assistance in a remote region. One phone call to Generali Global Assistance can get policy holders the help they need at any time.

The Mediterranean and Traveling Abroad

Your clients will find inexpensive airfare and room rates when booking fall travel to the Mediterranean along with a number of enticing destinations. The islands of Crete, Ibiza and Sicily all offer warm, sunny weather despite lower prices. Malta is another affordable and appealing option with free attractions like Calypso Cave and turquoise waters. And don’t forget about Greece this fall—students and summer tourists have gone home by the shoulder season months and the sea is still warm enough to swim in.

Why Your Clients Might Need Travel Insurance: Relative to a trip to Mexico or Canada, your clients that are booking trips abroad are likely amounting higher trip costs and could stand to lose more if a traveling companion or non-traveling family member becomes unexpectedly sick and they have to cancel their plans. This financial risk of cancellation in addition to the U.S. Department of State including getting insured on its pre-departure checklist for international travel for health insurance reasons means those heading to the Mediterranean may benefit greatly from a well-rounded travel insurance plan.

South Africa and Potential Dangers

September sits between Africa’s dry and wet seasons providing travelers with clear and sunny weather, a sparser mosquito population, quieter parks and thinner vegetation—improving your clients’ ability to catch a photo of the continent’s Big Five on wildlife spotting safaris. Safari lodges in South Africa feature lower rates during the fall shoulder season, making it the perfect time of year to plan a trip.

Why Your Clients Might Need Travel Insurance: Although known as a potentially dangerous destination, most of South Africa’s crime takes place in poorer, rural areas where tourists rarely travel and are rarely targeted. None the less, some travelers may find peace of mind with a travel insurance plan that can provide emergency assistance, identity theft resolution services and coverage for cancellations and interruptions due to a theft of passports or visas or even terrorist acts. Emergency assistance and transportation coverage may also provide peace of mind should travelers require medical treatment and transportation from a more remote part of the country to one of South Africa’s urban centers offering first-world medical care.

Knowing these common reasons for buying travel insurance, your clients are wise to consider their options before heading to one of these popular fall shoulder season destinations. Don’t forget to offer them CSA Travel Protection—your dedicated partner and a trusted provider of travel insurance and assistance services for over 25 years.

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.

A39317081

Generali Global Assistance Issues Statement on Outer Banks Mandatory Evacuation Coverage and Its CSA Travel Protection Insurance Policies

NEW YORK and SAN DIEGO, Aug. 3, 2017 — Generali Global Assistance’s Travel Insurance division, CSA Travel Protection, today issued  the following statement regarding the ongoing power outage situation that is affecting travelers in the Outer Banks area of North Carolina as it relates to its insurance policies for the vacation rental space.

“This is a man-made event of unprecedented scope and duration that is adversely impacting a significant number of families’ vacation plans and, as a result, finances. We understand the frustration that this is causing for many travelers and we want to ensure our policy holders that we are covering this event due to the mandatory evacuation that is still in place and has cancelled, interrupted, or delayed people’s travel plans in the area.

We want to alert our vacation rental policy holders that if they have incurred financial losses and have not received compensation by their vacation rental companies or property owners, they can submit a claim by visiting our website or by calling our dedicated hotline at 800-816-9454.

We are keenly aware of how important summer vacations are to our customers. Thus, we encourage you to keep up to date on the status of the evacuation order to determine if proceeding with your vacation is feasible.”

About CSA Travel Protection
CSA Travel Protection, now Generali Global Assistance, 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.

About Generali Global Assistance
Generali Global Assistance, formerly Europ Assistance USA, has been a leading provider of travel insurance and other assistance services for more than 25 years. The Company offers a full suite of innovative, vertically integrated travel insurance and emergency services, identity protection solutions, and beneficiary companion services. Generali Global Assistance is part of the multinational Generali Group, which for over 185 years has created a presence in 60 countries with over 76,000 employees. Our success has been built on the foundation of trust that clients have placed in our ability to provide assistance in the most difficult of circumstances.

Media Contact
Jesse Tron
M Group Strategic Communications (for Generali Global Assistance North America)
+1 212 266 0192
jtron@mgroupsc.com

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.

Position Statement: Manchester Terrorist Attack

On Monday, May 22, at least twenty-two people were killed and another 59 people were wounded in a suicide attack after an Ariana Grande concert at England’s Manchester Arena. The Islamic State terrorist group has claimed responsibility for the attack. Customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.  For plans that do offer coverage for a terrorist act, please note that there is no coverage for this specific event under any plans purchased on or after May 22, 2017.  Please contact CSA Travel Protection with questions.

Timing Matters: When to Offer Your Customers Travel Insurance

Though some Americans may still be clearing remnants of New Year confetti out of furniture and carpets, many are already starting to make their summer vacation plans. In doing so, they are faced with a decision that CSA partners can help them with—when to buy travel insurance.

When your customers are planning a trip it’s a good idea to inform them about the ideal time to protect their trip with travel insurance. When they buy a plan could affect the value of that plan. Some travel protection coverages and features might or might not be included, depending on whether the plan is purchased when a trip is first booked, at final payment or later.

We recommend that travelers don’t wait to buy travel insurance. Help them travel smarter and offer them travel protection to show you care about their overall trip experience. If they decide to wait, they may find that something could force them to cancel their trip and, since they didn’t protect their trip before the event that caused the cancellation, they could lose their prepaid, nonrefundable trip costs.

Here’s some language you can use when discussing this with your customers:

  • “The financially prudent thing to do is to buy insurance when you have money at risk.”
  • “If you buy nonrefundable airfare, your money is at risk right away.”
  • “For cruises and tours, it may not be an issue until cancellation penalties start to kick in. That could be at six months prior to departure.”

Here are some details about specific time-sensitive coverages and features related to CSA’s travel insurance plans:

Trip Cancellation

When travelers can’t go on their trip due to a covered reason, Trip Cancellation pays for forfeited, pre-paid, non-refundable travel arrangements. It is too late to be covered for Trip Cancellation if they purchase the policy the day before departure because the coverage doesn’t go into effect until 12:01am the next day. We suggest travelers buy a plan when they make the first trip payment, like airfare or a cruise. That way the insured has a long coverage period in case they need to cancel the trip. Then, they can add coverage to the same plan for additional trip arrangements, such as hotel stays, tours, cruises, and other forms of transportation.

Free Look Back Period

For travelers who have bought a plan but wish to cancel and receive a full refund, they may do so within a designated number of days from the date of purchase as long as they haven’t left for their trip or filed a claim. This is referred to as a “free look back” period and is available with all CSA Travel Protection plans. While the timeframe for the free look back varies from state to state, it is generally 10 days from purchase. Travelers should always refer to their Description of Coverage/Insurance Policy documents to determine the number of free look back days available in their state of residence.

Pre-existing Conditions

Some travelers may need to look for plans that offer coverage for pre-existing medical conditions when they buy travel insurance. It’s important to know the purchase window for covering pre-existing conditions in case that’s an important travel insurance feature for a client. Coverage must be bought prior to or within 24 hours of the final trip payment, travelers must be medically able to travel at the time the plan is purchased and all prepaid trip costs that are subject to cancellation penalties or restrictions must be insured. Also, remember that only some of our plans offer coverage for pre-existing medical condition.

If your customers have further questions about the timing of their travel protection purchase and how that might affect what’s included with the plan, please call our Customer Service representatives at 1-800-348-9505.

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.

A321 07 02