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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CSA Travel Protection Wins Gold 2016 Travel Weekly Magellan Award

CSA Travel Protection, dedicated for 25 years to providing travel insurance and emergency assistance services, announced today that its Protect&GO™ email marketing campaign took home a gold 2016 Travel Weekly Magellan Award in the Travel Agent/Agency – Advertising/Marketing Campaign (up to 5 pieces) category.

CSA Travel Protection launched an email marketing campaign for travel agents called the Protect&GO™ product launch campaign in September 2015. This campaign promoted the launch of a new post-departure (or in-trip) travel insurance product called Protect&GO™.  The plan is designed for travelers who are committed to going on their trips no matter what, yet may still be interested in purchasing valuable coverages and assistance services at a lesser cost.

“Congratulations to the marketing team for creating this award-winning campaign,” said Bob Chambers, vice president of operations at CSA Travel Protection. “Here’s an example of how CSA Travel Protection continues to set the highest standards in the travel insurance industry.”

With entries from across the U.S. and around the world, the Magellan Award winners represent the best in the travel industry and salute the outstanding travel professionals behind it all.

The Magellan Awards honor outstanding design, marketing and services in a broad range of industry segments including Hospitality, Travel Destinations, Cruise Lines, Online Travel Services, Airlines and Airports, Travel Agents and Agencies, Tour Operators and Ground Transportation.

“This year’s winners continue to raise the bar, establishing themselves as not just the most talented and creative people in the travel industry but among the most creative and talented of any industry,” said Arnie Weissmann, editor in chief of Travel Weekly. “The creativity that travel industry marketers and designers display to inspire travel and enhance the travel experience continues to impress our expert judges and readers.”

The Magellan Awards are judged and overseen by a one-of-a-kind panel of top travel professionals representing the best names and most accomplished leaders from the industry. In determining winners, entries do not compete with one another, instead they are judged against a standard of excellence based on the long experience of Travel Weekly. To uphold this high standard of excellence, a category may have multiple winners, or may have no winners at all.

For a complete list of silver and gold winners, please visit www.travelweeklyawards.com.

About Travel Weekly

Through its portfolio of digital and print products and face-to-face events, Travel Weekly is the most influential provider of news, research, opinion and analysis to the North American travel trade marketplace. Travel Weekly is a division of Secaucus, New Jersey-based Northstar Travel Group, the largest travel business-to-business travel publisher in the world.

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. 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.

CSA Travel Protection Identifies Top Identity Theft Risks During Travel

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Company Offers Identity Theft Prevention Tips for Travelers 

CSA Travel Protection, dedicated for 25 years to providing travel insurance and emergency assistance services, announced today that 1) stolen wallets or passports, 2) credit or debit card theft and 3) fraud are the top identity theft risks reported by its customers this past year.

“Travelers should be especially aware of Identity Theft because they’re usually carrying documents such as IDs and credit cards while traveling in unfamiliar places,” said Bob Chambers, vice president of operations at CSA Travel Protection. “The Identify Theft Resolution services we offer are very robust. They come with most of our plans and include identity theft protection for 180 days after departure date.”

Identity Theft Resolution Service

CSA Travel Protection offers the Identity Theft Resolution Service, which is automatically included with most of its products for a full 180 days starting on the traveler’s scheduled departure date. Customers have access to this service on vacation, and after their trip, in case they don’t notice the theft until they arrive home.

The Identity Theft Resolution Service includes notifying creditors about the fraud and possibly requesting to cancel affected cards and issue new ones, reporting the fraudulent activity to local authorities and forwarding a report to creditors. CSA Travel Protection’s 24-Hour Emergency Assistance provider, Generali Global Assistance will assist in notifying banks or other agencies if identification such as an ATM card, passport or driver’s license is stolen. It also includes credit monitoring for one year when a traveler has been a victim of identity theft.

The company will provide travelers with a helpful Identity Theft Resolution Kit and education about how identity theft happens and tips on protective measures for the future.

Summer Travel Habits and Identity Theft Prevention Tips

It’s important to know how to prevent identity theft before departing on a vacation. More than half (61 percent) of Americans are going on a trip this summer according to a recent survey about summer travel habits, released by Generali Global Assistance. Survey results also show that Americans like to stay connected during their vacations either for work or social networking.

Generali Global Assistance provides a comprehensive list of Identity Theft protection tips for everything from cyber/online to social media and general travel.

“It’s important to shred boarding passes and key cards and other personally identifiable information while on vacation,” said Paige Schaffer, president, identity and digital protection services at Generali Global Assistance. “Be cautious using free Wi-Fi hotspots because they might exist solely for the purpose of stealing personal data. Do not enter or access any of your personal information while on them. When traveling, the DSL connection in your hotel room is generally more secure.”

About CSA Travel Protection

CSA Travel Protection, a Generali Global Assistance company, 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. 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.