Are You Part of the 61% Taking a Summer Trip?

Get your travel insurance quote from CSA

Are you one of the majority of Americans planning a vacation this summer? If so, are you tuning out of work or bringing it with you? Did you consider issues like the Zika Virus when choosing your destination? Those are just some of the questions answered in a recent survey about summer travel habits, recently released by our 24-Hour Emergency Assistance provider, Generali Global Assistance.

See how your summer travel plans stack up against the rest of the country. Maybe it will inspire you to plan that trip you’ve been meaning to take!

  • 61% of Americans intend to go on a trip this summer, for one week (39%) or two (26%).
  • The average budget is $1,771. Less than half of Americans consider summer trips to be a category in which they want to cut costs, slightly for 25% or even significantly for 17% of them. However, their intended budget plays a major role in their choice of destination (55%). Opportunities for leisure or cultural activities also play an essential role (52%).
  • 27% of Americans consider health risks to be an essential factor in the choice of destination.

  • When they think of their ideal vacation, they want to get together as a family, with their spouse or with friends (30%), as well as rest and find peace of mind (21%).
  • The seaside (44%) and the city (43%) are the favorite destinations for their summer trips.
  • As far as their practices are concerned, the preferred way for Americans to book accommodations is by computer (77%), mainly for the convenience (37%) and also because they usually book this way (21%).
  • While 55% intend to book a hotel, 35% would choose to stay for free with friends or family, or at their vacation home.
  • They show interest in renting an entire private home (38%) and in renting a room or shared space (20%).
  • 35% of Americans would not completely switch off from work during their vacation. Half of them would spend between 30 min and 2 hours per week on it.

Read more about the survey findings

Get your travel insurance quote from CSA

Note: Conducted by Ipsos at the request of Generali Global Assistance on a sample of 3,000 Europeans (French, German, Italian, Spanish, Belgian and Austrian), the aim of this reference survey — carried out by telephone and published for the 16th year running — is to offer an annual estimate of the vacation plans of the citizens of the countries in question, in addition to their motivations, destinations and preferred types of trips. The 2016 survey was also carried out in the United States and Brazil with a view to comparing practices (samples of 750 individuals surveyed online in each country).

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.

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 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, 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.

A231_16_04

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.

A228_16_04

Summer Travel Trends and the Zika Effect

Get your travel insurance quote from CSA

Travelers are in the midst of making decisions about their summer plans, and there are many factors—including security—that play into their choices. Traveling overseas on the U.S. Dollar is cheaper than it has been in a while, but concern about the Zika virus is affecting international bookings and could boost domestic travel. How could this affect leisure travel this summer and how might travel insurance help?

International Travel

“Flight bookings to destinations hit by the Zika virus have been consistently slowing, following the US government’s travel warning and the World Health Organization’s declaration of a global health emergency,” according to ForwardKeys, a traveler data intelligence company.

summer-zikaFlight bookings to Zika affected areas dropped about 8 percent after the official travel warnings were released in January, according to ForwardKeys. “Some destinations are less affected by the current situation, while others combine Zika with previous negative trends, thus worsening their performance,” the report says.

For example, flight bookings to Brazil made from Jan 15th to Feb 10th were down just three percent compared to the same period last year, while Puerto Rico and the U.S. Virgin Islands were hit hard with a 22 and 27 percent drop, respectively.

Whether this booking trend will continue and how it will actually affect the number of summer travelers is undetermined, but the same report shows expected arrivals between March and May remain down for the hardest hit destinations.

We recommend that anyone who is booking travel and is concerned about the Zika virus should consider a Cancel For Any Reason travel insurance policy. Canceling a trip due to concerns that travelers may contract the virus is generally not covered, so customers are encouraged to read their policies and talk to a travel insurance expert to be sure they’re getting the coverage they require.

It may also come in handy to bookmark the CDC’s Zika prevention kit for any travelers that may be headed into Zika affected areas.

Cruise Travel

One-third of the world’s cruise ship capacity is deployed in the Caribbean, where Zika is a serious concern. How might the cruise industry be affected by this?

24 million cruise passengers are expected to set sail this year, according to figures released by the Cruise Lines International Association before the virus became a worldwide concern. Wells Fargo Securities analyst Tim Conder estimated that, at most, the alarm over the Zika virus may cause cruise bookings this year to be cut by 6 percent, or 1.4 million travelers, according to CNBC. He also advised that cruise lines generally don’t allow pregnant women in their third trimester on board. Since pregnant women are being warned not to travel to Zika affected areas, this may limit the number of cancelations or decisions not to cruise.

The International Travel & Health Insurance Journal recently reported that demand for specific cruise travel insurance is growing along with the rise in cruise bookings. According to figures from InsureMyTrip, the number of travel insurance policies sold to cruisers in January jumped 10 percent compared to the same month last year.

Domestic Travel

“With the increase of security threats happening abroad, I wouldn’t be surprised if in 2016 we begin to see more U.S. travelers booking trips to domestic hotspots like Hawaii, Alaska and San Diego,” said Cassie McNab, marketing manager at CSA Travel Protection.

Travelers in the U.S. are spending more this year, and more this summer— at least that was the forecast in December. A 3.4 percent rise in U.S. travel expenditures was forecast for 2016, according to the U.S. Travel Association, and signs show domestic travel may even get a boost from fear about overseas terrorism and the Zika Virus in Latin America and the Caribbean.

Andrew Saunders, president of the real estate company Saunders & Associates, recently told U.S. News and World Report that security concerns are causing an increase in the number of travelers choosing to stay close to home rather than renting overseas this year.

A Reuters/Ipsos poll from February showed that 41 percent of Americans aware of the Zika virus say they are less likely to take a trip to affected areas.

Luckily, no cases of Zika are reported to have been acquired in the United States. However, it’s still a sound idea to keep an eye out. The types of mosquitoes that are able to transmit the virus have historically been found across the US, from East to West coasts, and some estimates show that up to 200 million Americans live in areas where the disease could potentially spread during the summer.

On a lighter note — road trips are likely to be a popular summer getaway. With gas prices at decade lows and the 100-year anniversary of the National Park Service, featuring centennial celebration events throughout the nation in August, the roads are sure to be packed.

The AARP reports that 95 percent of Baby Boomers plan to travel domestically in 2016, with Florida, Las Vegas, California, New York and Hawaii as the most mentioned destinations. Summer Vacations, Multi-Generational trips, and Weekend Getaways are cited as the most popular reasons for Boomer travel, which are also some of the peak situations for choosing to stay at a vacation rental.

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.

A222_16_03