Domestic Travelers Who Might Want to Consider Travel Insurance

The U.S. Department of State includes getting insured on its pre-departure checklist for international travelers — travelers who are also likely investing sizeable trip costs to schedule their plans abroad and therefore seemingly clear potential candidates to offer well-rounded travel protection plans. But what about your clients’ domestic trips? Knowing when to introduce travel insurance options to your clients traveling within the U.S. and the potential benefits available to them may not be as obvious. A variety of domestic trips can benefit from travel insurance, yet some domestic travelers may have more interest in purchasing a protection plan than others.

Here are a few types of travelers who may be at higher risk of experiencing an issue that could impact their travels or who may have a heightened interest in buying travel insurance.

Travelers with complex itineraries

Complex itineraries and tours may be at higher risk for loss as they could suffer from a domino effect if your client misses a leg, particularly at the beginning of their itinerary. Consider a multi-leg for a family of five. If your client’s trip is interrupted early on, additional expenses to get all five travelers caught up with their itinerary can accumulate quickly and making impromptu travel plans en route can be stressful. A travel insurance plan can help your clients catch up if their interruption is due to a covered reason such as a flight delay due to bad weather. Should your clients experience such a delay or interruption they can call CSA Travel Protection, your trusted partner, and discuss their plan details as they relate to their situation with a dedicated customer service team member who can help your clients decide how to move forward.

Seasonal travelers

If your clients are traveling during a time of year subject to adverse weather or to a part of the country subject to adverse weather, travel protection has multiple coverages that can reimburse for a variety of expenses should they have difficulty reaching their destination or getting back home due to a weather-related covered reason. For instance, your client can seek reimbursement for forfeited portions of their prepaid resort or hotel stay, additional transportation costs to reach their destination or return home and also their out of pocket expenses incurred while delayed such as accommodations, local transportation and meal costs. If you’re booking a trip for clients taking a winter ski trip to Colorado or a summer beach vacation to the hurricane-prone Carolina coast, travel protection may come in handy.

Worrisome travelers

Risks are risks and many of the potential problems international travelers face remain for domestic travelers. Travel protection provides coverage for specific covered events that might impact your client’s plans and these events could happen to any traveler any time, such as  cancelled or delayed flights due to adverse weather; cancellations or interruptions due to a sickness or injury of your client, their traveling companion or a family member; or lost, damaged or delayed bags. Depending on your client’s primary health insurance coverage, it may also be important that they purchase travel insurance for emergency assistance services and emergency medical transportation. Many primary insurers provide out-of-network emergency care, but some might not and others might not provide coverage for hospitalization. If your client has limited primary coverage or isn’t sure, it may be  better for them to be safe rather than sorry by purchasing supplemental medical coverage via travel insurance from a reputable provider, like CSA.

Cost-conscious travelers

When offering travel protection to a domestic traveler, your client might say they aren’t spending enough to need to insure their plans. The thought of losing prepaid arrangements for a week-long trip to Bali may likely cause more stress for your client than the thought of losing weekend arrangements in New York City, yet the cost of travel insurance is greatly influenced by your client’s trip cost. So if your client’s domestic trip cost is relatively small, their travel protection plan cost will likely be relatively small as well.

You never know who might want to buy a travel insurance plan for valuable coverages, services and peace of mind. Offering travel insurance to all of your clients encourages them to consider their options so they can make the best decision for themselves and their travel investment and enjoy their trip to the fullest. If your clients have any questions about how a travel protection plan can benefit them, they can always contact our Customer Service Department, available seven days a week, 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.

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Travel to Cuba is Now Eligible for Coverage through CSA Travel Protection Plans

CSA Travel Protection is excited to announce that, effective March 15, 2017, travel partners may begin offering our travel insurance plans for your clients’ scheduled air travel, cruises and tours to Cuba. We’re pleased to be expanding our coverage area alongside our designated travel assistance and emergency medical evacuation provider, Generali Global Assistance, who is also able to provide service to the previously restricted destination.

CSA partners whose primary business is selling travel are now eligible to sell plans. To be eligible for coverage, your client’s travel arrangements must be provided by a recognized airline, cruise line or tour operator that certifies it is in compliance with all US government regulations concerning travel to Cuba.

We appreciate your partnership and look forward to the possibility of providing valuable coverages and services to your clients who are taking advantage of the US government’s revised travel restrictions.

Should you have any specific questions regarding this announcement, please contact your dedicated 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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Why Travel Insurance Included with Your Clients’ Credit Cards May Not be Their Best Option

When Amazon introduced its Amazon Prime credit card in January, the online retailer included travel insurance, 24/7 concierge service and roadside assistance among the card’s benefits—features found in many of today’s leading credit cards. While credit card-provided travel insurance can seem like a prudent approach to avoiding additional travel expenses at checkout, it can be important for your clients to note the differences between these complimentary credit card features and more robust travel insurance plans offered by providers specializing in the space.

Here are some good questions for your clients if the topic of credit cards versus travel protection comes up:

  1. Does your credit card include trip cancellation protection?

If your client, a family member or a traveling companion has to cancel due to a sickness or an injury, their credit card probably won’t be able to help if it doesn’t include trip cancellation. Trip cancellation provides coverage for certain unexpected events that force your client to cancel their arrangements and trip cancellation coverage offered by third-party travel insurance providers typically covers for flight delays and cancellations due to adverse weather among a number of other potential mishaps such as a documented theft of their passport or visa. Only about 15% of credit cards include trip cancellation coverage and even those that do typically include a limited number of covered events compared to third-party travel insurance and won’t cover pre-existing medical conditions.

  1. Do you need out-of-network medical coverage or emergency assistance and transportation?

Depending upon their primary health insurance plan and where they’re traveling to, your client may want (or even need) to secure additional medical coverage before they depart. While they likely aren’t planning to use it, it’s wise to consider the risks of leaving home without coverage. According to the Centers for Disease Control and Prevention, medical evacuations by air ambulance can cost $50,000-$100,000. Some countries and travel operators even require a minimum amount of medical coverage in order to issue their visa or allow your client to board. While many credit cards provide travel accident coverage at no additional cost most do not include coverage for medical expenses and evacuations.

  1. Who do you need coverage for?

Most credit cards limit benefits to the cardholder’s spouse and children whereas purchasing a separate travel insurance plan allows your client to choose who they’re buying coverage for. CSA Travel Protection, your trusted partner and a reputable insurance provider, offers travel insurance plans that can insure up to 10 people and your client has the opportunity to add each traveler to the plan at purchase. If your client is traveling with extended family or friends they may want to ensure everyone in their party has adequate trip delay, baggage or medical coverage, which credit card coverage can fall short on providing if their traveling companions are unable to meet the card’s limited definition of family member.

Key coverages and plan flexibility are significant reasons for your clients to explore travel insurance options in addition to their credit card’s benefits. Travel insurance sales grew nearly 13% last year and that growth is predicted to continue through 2017, illustrating travelers’ increasing demand for these third-party products and credit cards’ inability to close important coverage gaps. Before you finalize your next booking, encourage your client to do their research, weigh their options and make an informed choice for themselves and their traveling companions.

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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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.

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