This Memorial Day, Consider Travel Insurance for Peace of Mind

Get your travel insurance quote from CSA

Last year, a projected 37.2 million Americans traveled more than 50 miles from home and on roads that are typically clogged. And while Memorial Day weekend is synonymous with hitting the road, more and more Americans are opting to fly, with approximately 2.6 million people taking flight during one of the busiest weekends of the year.

When you’re getting ready to go on vacation, you’re in an optimistic frame of mind — envisioning yourself sitting on the black sands of Caribbean Costa Rica, sipping a Mai-Tai on the porch of a deluxe Florida vacation rental or backpacking through Bavaria — not what could go wrong during your trip.

“Losing luggage, missing your flight, getting sick or encountering adverse weather are not typically top-of-mind when planning a trip, unless you’re inclined to worry,” says Bob Chambers, vice president of operations at CSA travel Protection, a travel insurance provider that also offers 24-hour emergency assistance services from anywhere in the world. “Anyone planning a trip, whether domestic or international, should consider travel insurance to help protect them and their traveling companions in case things don’t turn out as planned.”

Whether traveling by plane or in a packed car on Memorial Day weekend, travelers should review their own insurance coverages, see where the gaps may be, and consider travel insurance based on their specific needs. Here are some reasons why:

Chances are, this is the only trip you’ll take all year. It’s no secret that Americans are vacation-starved. A survey by online travel publication Skift found that 40.5% of Americans didn’t take a single vacation day in 2015. Some 32.2% took 10 days or less. If this is your one and only trip in 2016 and you or someone in your family gets sick, then you could be out of luck if you rented that deluxe vacation home or have non-refundable airline tickets. For a relatively small fee, travel insurance may reimburse those non-refundable, prepaid trip costs.

Problems happen more often than you think. One in six U.S. adults had a trip cut short or changed travel plans. And of those affected, only 22% had travel insurance according to a recent U.S. Travel Insurance Association survey. Travel insurance plans are designed to help protect travelers from certain unexpected events that can occur before and during their trips.

Your insurance may not apply overseas. If you have a medical emergency in a foreign country, you may be stuck paying your bills because many insurance plans don’t apply once you leave the U.S. Medicare, for instance, typically doesn’t cover such instances. When selecting a travel insurance plan, be sure to choose one that offers medical and dental coverages that fit your individual needs.

Chances are you’ve worked hard to make this trip happen. You can’t rule out all of the what-ifs. But by being proactive, talking to experts such as CSA Travel Protection, and thinking through various situations without dwelling too much on the negative, you can enjoy peace of mind as you sit on that beach.

Get your travel insurance quote from CSA

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 0821931, 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 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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Are You Protected? What Travel Insurance Coverages Can Help During Your Trip

Get your travel insurance quote from CSA

summer-zikaA study conducted by the US Travel Insurance Association (UStiA) back in 2006 showed that many trip goers, while familiar with flight and trip cancellation, were not familiar with travel health insurance, baggage coverage, and medical evacuation insurance. In fact, only 50% of consumers who purchased travel insurance were aware of medical evacuation insurance.

Much has changed in the travel insurance industry over the past 10 years. More travelers are purchasing insurance than in years past and, in a risk-laden travel landscape, the demand for trip protection is on the rise.

“Familiarizing yourself with the finer details of a travel insurance plan can help reveal a plan’s overall value and help you decide if insuring your next trip is the right choice for you,” said Bob Chambers, Vice President of Operations, from CSA Travel Protection.

Though the UStiA study suggests trip cancellation was once a more widely-known travel protection coverage, Chambers says, “many standard travel insurance plans have always included, and continue to include, a number of lesser-known post-departure coverages that take effect when you begin your trip.”

What Post-Departure Coverages Do

Post-departure travel insurance coverages are designed to reimburse you for specific financial losses that you might suffer as a result of travel misfortune. Unlike trip cancellation coverage, the post-departure coverages don’t take effect until you begin your trip. Many plans include a variety of post-departure coverages and depending on the plan you purchase, multiple coverages could be of use to you if you encounter an unexpected event that interrupts your vacation.

For instance, say you are out sight-seeing on the second day of a long-awaited family tour package when, the next thing you know, an extra step backwards to capture the perfect photograph sends you tumbling down an unfamiliar set of stairs. A hurried visit to the nearest Emergency Room results in a fractured ankle diagnosis, a string of medical bills for out-of-network medical treatment and a now useless—and completely non-refundable—tour package because it was medically necessary for you to return home.

In this scenario, medical and dental, travel delay, and trip interruption are three post-departure coverages that could potentially help you recoup your losses. In addition to seeking reimbursement for the out-of-network emergency room bills that your primary insurance provider may not cover, you can also claim compensation for lodging, meals, local transportation and telephone calls while you’re delayed; the unused, prepaid portion of your ski trip; and even additional transportation costs to return home early.

Provided you insured the entire family’s arrangements when you bought your plan, you could all return home together and claim for the full remainder of the pre-paid family trip while limiting the stress of having to give up your vacation with no opportunity for reimbursement. Like with trip cancellation, post-departure coverages are intended to make you “whole” again after suffering losses resulting from a listed covered event, like an unexpected injury.

Generally speaking, medical and dental coverage typically provides reimbursement for physician-ordered medical services varying from prescription drugs and medicines to local ambulance services if you get sick or injured while on your trip, while travel delay aims to reimburse for reasonable additional expenses like lodging, meals, and local transportation while you’re delayed, and trip interruption provides reimbursement for the prepaid nonrefundable portion of your trip that you had to forfeit due to the unexpected interruption as well as additional transportation costs that you had to pay to return home early or rejoin the rest of your travel party.

But these are just three of several post-departure coverages included with many standard travel insurance plans. Others include baggage coverage, baggage delay, emergency assistance and transportation, accidental death and dismemberment, missed connection, and even rental car damage coverage.

What’s Right for You?

Depending on the nature of your arrangements, your destination, and your unique individual needs and medical history, you should look to purchase a plan that best fits your individual needs and is right for your next trip. For instance, when traveling abroad, the U.S. Department of State advises travelers to learn about a protection plan’s health insurance and medical evacuation features to ensure you’re properly protected overseas or in the event of an emergency. Or perhaps you’re scheduling a cruise and intend to bring a variety of jewelry and formal wear on board. In that case, maybe a plan with increased baggage coverage limits appeals to you.

Wherever your next trip takes you, be sure to look beyond trip cancellation and explore what a plan’s post-departure coverages have to offer. And if you’re considering buying travel insurance, remember to purchase from a reputable provider such as CSA Travel Protection.

Get your travel insurance quote from CSA

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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Well-rounded Travel Protection: What are Post-departure Coverages and How Can They Help Your Clients?

Learn more and sign up to offer CSA's travel insurance plans to your clients

summer-zikaBack in 2006, a consumer study conducted by the US Travel Insurance Association (UStiA) showed that many trip goers who optioned not to insure their travels were, nevertheless, familiar with flight and trip cancellation protection plans; however, the majority of those travelers were not familiar with travel health insurance, baggage coverage, and medical evacuation insurance. In fact, even when surveying travelers who did purchase travel insurance plans, the study found only 50% of those consumers were aware of medical evacuation insurance.

Much has changed in the travel insurance industry over the past 10 years. More travelers are purchasing insurance than in years past and, in a risk-laden travel landscape, the demand for trip protection is on the rise. Though the UStiA study suggests Trip Cancellation was once a more widely-known travel protection coverage, many standard travel insurance plans have always included, and continue to include, a number of perhaps lesser-known post-departure coverages that take effect when your clients begin their scheduled trip.

Helping your clients familiarize themselves with these valuable components of a protection plan could help reveal the product’s overall value and also help them decide if insuring their next trip is the right choice for them.

What Post-Departure Coverages Do

Post-departure coverages are designed to reimburse your clients for specific financial losses that they might suffer as a result of travel misfortune. Unlike Trip Cancellation, the post departure coverages don’t take effect until they begin their trip. Many plans include a variety of post-departure coverages and depending on the plan they purchase, multiple coverages could be of use to them if they encounter an unexpected event that interrupts their vacation.

For instance, say one of your clients is out sight-seeing on the second day of a long-awaited family tour package when, the next thing he knows, an extra step backwards to capture the perfect photograph sends him tumbling down an unfamiliar set of stairs. A hurried visit to the nearest Emergency Room (which happens to be by no means “near” his original hotel booking) results in a fractured ankle, a string of medical bills for out-of-network medical treatment, the family’s overnight stay at a hotel near the ER, and a now useless—and completely non-refundable—tour package because it’s medically necessary for him to return home.

In this scenario, Medical and Dental, Travel Delay, and Trip Interruption are three post-departure coverages that could potentially help your client recoup his losses. In addition to seeking reimbursement for the out-of-network emergency room bills that his primary insurance provider may not cover, he can also claim compensation for lodging, meals, local transportation, and telephone calls while he’s delayed; the unused, prepaid portion of his tour package; and even additional transportation costs to return home early. Provided your client insured the entire family’s arrangements when he bought his plan, your client and his family could all return home together and claim for the full remainder of the pre-paid family trip while limiting the stress of having to give up their vacation with no opportunity for reimbursement. Like Trip Cancellation, post-departure coverages are intended to make travelers “whole” again after suffering losses resulting from a listed covered event, like an unexpected injury.

Generally speaking, Medical and Dental typically provides coverage for physician-ordered medical services varying from prescription drugs and medicines to local ambulance services if your clients get sick or injured while on their trip, while Travel Delay aims to reimburse for reasonable additional expenses like lodging, meals, and local transportation while they’re delayed. Trip Interruption provides reimbursement for the prepaid nonrefundable portion of their trip that they had to forfeit due to the unexpected interruption as well as additional transportation costs that they had to pay to return home early or rejoin the rest of their travel party.

But these are just three of several post-departure coverages included with many standard travel insurance plans. Others include Baggage Coverage, Baggage Delay, Emergency Assistance and Transportation, Accidental Death and Dismemberment, Missed Connection, and even Rental Car Damage Coverage.

What’s Right for Your Clients

Depending on the nature of your clients’ arrangements, their destination, and their unique individual needs and medical histories, many different types of travel insurance plans could be a good fit for their next trip. For instance, when traveling abroad, the U.S. Department of State advises travelers to learn about a protection plan’s health insurance and medical evacuation features to ensure they’re properly protected overseas or in the event of an emergency. Or perhaps they’re scheduling a cruise and intend to bring a variety of jewelry and formal wear on board. In that case, maybe a plan with increased baggage coverage limits appeals.

Wherever their next trip takes them, be sure to look beyond Trip Cancellation and explore what a plan’s post-departure coverages have to offer your clients. To learn more about the post-departure coverages available with CSA Travel Protection’s insurance offerings, contact your dedicated account manager.

Learn more and sign up to offer CSA's travel insurance plans to your clients

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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