98% of Impacted Travelers Satisfied with Their Travel Insurance

Learn more about partnering with CSA

Staying at a vacation rental can be one of the most relaxing travel experiences, but getting there can be a real pain. About one in four American adults had to cancel or interrupt their travel plans, or had their trip delayed because of medical conditions, natural disasters including severe weather, or carrier-caused problems, according to a U.S. Travel Insurance Association survey* conducted in 2014.

Luckily, travel insurance can help with these types of travel impacting events and we have a plan designed specifically for vacation rental guests. CSA Travel Protection’s Guest Protect plan, includes coverages such as Trip Cancellation, Trip Interruption and Travel Delay, which could reimburse your insured guests for certain events that regularly affect vacationers.

Not only could your guests benefit from travel insurance, but so can your business. By partnering with CSA, you can offer your guests travel insurance and earn commission for plans that are sold. The survey shows that 98% of “impacted” travelers reported satisfaction with their travel insurance policies in the year before the survey. A satisfied traveler is good business for all of us.

More than ever, travelers are in need of a way to protect their trip costs and hedge against unexpected and potentially expensive mishaps that can be covered by travel insurance. In fact, USTIA’s survey found the number of American travelers whose journeys were impacted has jumped from 17 percent in 2013 to 25 percent in 2014.

If you’re a vacation rental property manager and like the idea of increasing customer satisfaction while increasing revenue to your bottom line at the same time, fill out our partner interest form and we’ll work with you to build a valuable travel insurance or vacation rental damage protection program for you and your guests.

Learn more about CSA’s Vacation Rental Damage Protection and travel insurance plans.

*The USTIA survey results are based on an Ipsos poll of 1,005 U.S. adults ages 18 and older from Dec.2-4, 2014. Results are considered accurate to within +/- 3.5 percentage points of the U.S. population.

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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Major States Issue Statements Against Opt-Out Sales for Travel Insurance

“The practice of automatically charging consumers for ancillary travel insurance unless consumers take action to decline coverage does not comply with the requirement of ‘informed consent.’ Consumers must be given the opportunity to affirmatively accept travel insurance or any other insurance coverage.”

-Informational memo by Kevin M. McCarty, Commissioner of the Florida Office of Insurance Regulation

State insurance regulators for two major rental markets, California and Florida, recently issued statements against the use of the opt-out sales practices to sell travel insurance.

Recently you may have heard discussion about different ways in which travel insurance and vacation rental damage protection can be sold, and that the practice of “opt-out” sales is something that the industry is diligently moving away from. We must adapt to changing trends in regulation in order to keep growing as an industry.

As an industry leader, CSA Travel Protection stays up-to-date on regulatory issues that impact your business and we strive to proactively address developments as they happen and keep our partners informed.

The Florida Office of Insurance Regulation issued an informational memorandum on February 3, 2015. Click the image to see the full memo.

The Florida Office of Insurance Regulation (OIR) issued an informational memorandum on February 3, 2015 advising that the practice of automatically charging for ancillary travel insurance without obtaining the informed consent of the applicant, more commonly known as opt-out, does not comply with the requirement of informed consent. The OIR’s position applies to all insurance sales to residents of Florida, regardless of the origin of sale. In addition, if your business operates in the state of Florida, you may be subject to further restrictions on sales.

On March 9, 2015, the California Department of Insurance issued a notice stating that using opt-out sales practices to sell travel insurance on travel websites violates California law. Further, the Department warns that the California Insurance Commissioner can enforce pre-sale travel insurance disclosure requirements by imposing fines and suspending or revoking the license of any limited lines travel insurance agent.

Review the memorandum from the Florida Office of Insurance Regulation and the notice from the California Department of Insurance (click links to view documents).

What does this mean for you?

If you’re already a CSA partner, we’re ready immediately to help you adhere to these recently published positions. We have been working with software providers in preparation for this change in the regulatory environment and we are in the process of developing new best practices and marketing tools.

If you’re not a CSA partner, contact us at clientservices@csatravelprotection.com or (800) 989-8684 to find out how we can build a valuable travel insurance program that’s focused on maximizing your revenue and guest satisfaction, while minimizing risks related to non-compliance.

Click here to learn more about CSA’s Vacation Rental Damage Protection and travel insurance plans.

This plan provides insurance that applies only during the covered trip. Your customers may have coverage from other sources that provides them with similar benefits but may be subject to different restrictions depending upon their other coverages. Customers may wish to compare the terms of this policy with their 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 by you by your travel retailers.

Plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms and conditions may apply. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. For questions or complete information on policy benefits, limits and exclusions, please contact CSA at (800) 348-9505 or http://www.csatravelprotection.com/certpolicy.do for a sample Description of Coverage or Insurance Policy for this plan.

These plans are administered by CSA Travel Protection and Insurance Services. Services are provided through CSA’s designated providers. Travel Insurance is Underwritten by: Generali U.S. Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) under Policy/Certificate Form series T001. California is Underwritten by Generali Assicurazioni Generali S.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali – U.S. Branch, Oregon is Underwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice, and Virginia is Underwritten by The General Insurance Company of Trieste and Venice – U.S. Branch.

Kitchen is Key to Happy Guests

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Nine out of 10 vacationers say that having access to a kitchen improved their vacation*. Kitchens have long been a selling point for choosing a vacation rental over other lodging options, and this data just backs it up.

Tip: Keep recipe books or a folder of local recipes in the rental.

Respondents to the survey reported that having access to a kitchen on vacation was convenient for families, eating in is easier than going to a restaurant with kids, and it cuts vacation costs, because eating out isn’t cheap.

While a kitchen clearly attracts guests, it can also be one of the most common areas of the rental that attracts damage by guests. You can avoid the hassles of security deposits and the bad taste it can leave with guests by offering CSA’s Vacation Rental Damage Protection as part of your booking process.

Accidents happen. Your rentals can be covered when they do.

Vacation Rental Damage Protection offers you the chance to increase revenue while reducing paperwork.

  • Guests feel more confident reporting damage knowing accidents can be covered.
  • Receive greater protection with coverage limits up to $5,000.
  • Fast and easy claims processing.
  • Pet damage included for pet-friendly units.

For complete information about plan benefits, limits and exclusions click here.

This plan provides insurance that applies only during the covered trip. Your customers may have coverage from other sources that provides them with similar benefits but may be subject to different restrictions depending upon their other coverages. Customers may wish to compare the terms of this policy with their 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 by you by your travel retailers.Plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms and conditions may apply. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. For questions or complete information on policy benefits, limits and exclusions, please contact CSA at (800) 348-9505 or http://www.csatravelprotection.com/certpolicy.do for a sample Description of Coverage or Insurance Policy for this plan.These plans are administered by CSA Travel Protection and Insurance Services. Services are provided through CSA’s designated providers. Travel Insurance is Underwritten by: Generali U.S. Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) under Policy/Certificate Form series T001. California is Underwritten by Generali Assicurazioni Generali S.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali – U.S. Branch, Oregon is Underwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice, and Virginia is Underwritten by The General Insurance Company of Trieste and Venice – U.S. Branch.

2015 Travel and Lodging Trends

Leisure trips and travel on the rise, demand for lodging at a high, and hotel rates going up.

2015 looks like it will be a great year for the travel industry, especially for vacation rentals. US travelers plan to take an average of 4.25 leisure trips this year, up from 3.97 last year, according to TripAdvisor. Data from that same release shows that 25 percent of travelers plan to stay in a vacation rental sometime this winter.

By the end of 2015, “demand for lodging accommodations will have increased 25.8 percent since the depths of the recession in 2009,” according to a recent report by PKF Hospitality Research.

Vacationers are also planning to spend more money on their travels in 2015. One-third plan to increase their spending and take more time for leisure travel compared to 2014. If travelers are spending more, they’ll likely be more interested in protecting their trip costs by purchasing travel insurance. Partnering with CSA Travel Protection can make that easy for you and your guests.

Hotel room rates in the US are forecast to rise 4.5 percent in 2015, according to the 2015 Global Travel Price Outlook. Vacation rentals only become more attractive as the cost of staying at a hotel continues to rise.

Vacation rentals are a huge sector of the lodging industry and continue to take more market share. One of the main points of EY’s Global Hospitality Insights 2014 report on the hotel industry is the growing competition from vacation rentals:

“Alternative lodging accommodations no longer cater solely to the cash-strapped traveler. Today, they have gained industry recognition as an alternative preferred by guests seeking greater flexibility, convenience and social interaction than is commonly found in a traditional hotel setting.”

CSA Travel Protection can help boost the convenience factor by offering your guests Vacation Rental Damage Protection, an easy option for avoiding a security deposit, and our travel insurance can help smooth out many unexpected inconveniences your guests could experience on vacation, such as travel delay, trip interruption, lost baggage, medical emergencies and more (see description of coverage for full details).

Contact us at clientservices@csatravelprotection.com or (800) 989-8684 to find out how we can build a valuable and profitable travel insurance program for you and your guests.

Learn more about partnering with CSA

This plan provides insurance that applies only during the covered trip. Your customers may have coverage from other sources that provides them with similar benefits but may be subject to different restrictions depending upon their other coverages. Customers may wish to compare the terms of this policy with their 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 by you by your travel retailers.

Plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms and conditions may apply. Your travel retailer may not be licensed to sell insurance, and cannot answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. For questions or complete information on policy benefits, limits and exclusions, please contact CSA at (800) 348-9505 or http://www.csatravelprotection.com/certpolicy.do for a sample Description of Coverage or Insurance Policy for this plan.

These plans are administered by CSA Travel Protection and Insurance Services. Services are provided through CSA’s designated providers. Travel Insurance is Underwritten by: Generali U.S. Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) under Policy/Certificate Form series T001. California is Underwritten by Generali Assicurazioni Generali S.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali – U.S. Branch, Oregon is Underwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice, and Virginia is Underwritten by The General Insurance Company of Trieste and Venice – U.S. Branch.