When Should You Buy Travel Insurance?

Time is an important factor when purchasing travel insurance. We recommend purchasing travel insurance at the time you book your trip or soon after. This is important because travel insurance policies include time-sensitive provisions which can broaden your coverage if you purchase the insurance in a timely matter.

In fact, if you purchase travel insurance within 21 days of the date you make the initial payment for your trip, your coverage will provide coverage for bankruptcy or insolvency of your travel supplier, include the waiving of the Pre-Existing Conditions Exclusion, and allows you to qualify for the Cancel for Any Reason Benefit if it is included in your plan.

Remember, purchasing your travel insurance within 21 days of booking your trip will allow you to receive broader coverage at the same price if you purchase with final payment.

If you have any questions about these time-sensitive provisions or travel insurance in general, we can help. Leave a comment with your question below, Tweet us, write on our Facebook timeline or call us at 888-885-7233.

34.1 Million Travelers Taking Off for Labor Day

Labor Day is right around the corner, and according to AAA Travel, 34.1 million Americans will travel 50 miles or more from home during the upcoming holiday. This is a 4.2 percent increase from the 32.7 million people who traveled last year. Holiday air travel is expected to increase as well by nearly three percent to 2.61 million.

What is the cause of this increase in Labor Day travel? AAA predicts it’s due to higher consumer spending and the improving housing market. The Labor Day holiday travel period, defined as Thursday, Aug. 29 to Monday, Sept. 2, is a popular time for travelers to take off because of the long weekend and typically nice weather.

How much do travelers usually spend on their long-weekend vacations? AAA reports the average traveler is expected to spend $804 and travel a round-trip distance of 594 miles.

In fact, more than 2.61 million leisure travelers will arrive at their destination by air. If those passengers experience flight delays or cancellations, or their luggage is damaged, lost or stolen, travel insurance can provide coverage.

If you’re one of these travelers heading out for Labor Day, make sure you’re protected against the unexpected of travel. It is important add travel insurance to your travel package because it protects your travel investment, provides medical coverage and can make the difference between a disaster and a great vacation.

If you have questions about how travel insurance can protect you and your family on your next vacation, please call us at 888-885-7233 or leave a comment below. We’d be happy to answer your questions.

 

Why Travel Insurance is Important for Your Next Vacation

The Chicago Tribune recently highlighted the pros and cons of travel insurance. While the article raises great points about why travel insurance is important and how it can protect your vacation plans, we do want to provide more information about one part of the article.

The article’s author, Gregory Karp, warns travelers about having duplicate coverage. This means a person would have coverage for the same services under more than one benefit plan. In this case, it would homeowners insurance and travel insurance. While it is true that your homeowners insurance may cover you if you experience a loss while on vacation, your homeowners policy may only cover a portion of your total loss due to coinsurance and deductible requirements.

In the end, it is important to remember travel insurance is designed to protect you in three ways: 1) to reimburse you for your financial investment should a variety of unforeseeable reasons force you to cancel or interrupt your trip or delay you while traveling; 2) most importantly, to protect you against the costs incurred during your trip for medical expenses, a medical evacuation, services to assist you in an emergency situation; and 3) to protect against loss, damage or destruction of your personal belongings.

Tell us, what questions do you have about travel insurance? Leave a comment below, write on our Facebook page or Tweet us. We’re happy to answer your questions – even if you’re not buying from us!

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How to Avoid Making Popular Travel Mistakes

The most relaxing vacations can be ruined when common travel mistakes occur. Yes, we’ve all been there. One moment you’re dreaming about kicking back on the beach in the Bahamas and the next, you’re stressing because you forgot to order your passport.

If you follow the tips below, your next vacation will be stress-free and one to remember … for the right reasons.

  •  Make sure there is enough time between connecting flights. It is important to leave at least an hour and a half between connecting flights. This will decrease your changes of missing your flight, having your luggage lost and other travel mishaps. When in doubt, check with your travel agent. They are familiar with the airports and can provide a good estimate for you.
  • Apply for your passport early. Passport processing can take anywhere from four to six week. As soon as you start planning for your trip out of the country, you need to apply for a passport. Already have a passport? Make sure it hasn’t expired or isn’t close to expiring. Some countries require a minimum of six months’ validity remaining to enter.
  • Remember to relax. It is very tempting to fit in as much as you can when you’re traveling. However, it is important to give yourself enough time to see the sites and enjoy the city! Also make sure to factor in time for packing and traveling time. Besides, seeing the city by strolling around can lead to some of the best site seeing. Travel insurance can also help you relax. If you know you’re covered from the unexpected, you can enjoy the city without worry.
  • Do your research. Before taking off on vacation, take some time to research your destination – pick out restaurants, locations you’d like to visit, and accommodations that meet your needs. Although winging it can be fun, having an outline in mind, can ensure you have an enjoyable experience.
  • Protect your trip. Investing in travel insurance is important for any vacation. Travel insurance can protect you from flight delays, flight cancellations, bad weather, illness and more. With protection against the unexpected, you can kick back and relax.

Now it is your turn to tell us. What is one tip you wish you would have known before taking your last vacation? Leave a comment below with your answer. We look forward to hearing from you!
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New and Improved TravelSafe.com

We’re excited to announce that we’ve made enhancements to our website! The new improvements will enhance your experience on TravelSafe.com include a simplified enrollment process, enhanced editing capabilities and additional options for delivering quotes to your clients including via email.

In addition, you may notice changes to the Prestige plans. We will now offer two plans: Prestige and Prestige+. It is important to note that Zero Trip Cost is not allowed for the Prestige+ plans because the only difference between the Prestige and Prestige+ plans is the Cancel For Any Reason Benefit.

Another important change is there will no longer be coverage limitations for those travelers 80 or over. This means the Medical Expense/Medical Evacuation will no longer have reduced benefit limits and these travelers will be eligible for the Pre-Ex Waiver. In addition, Certificates will no longer reduce coverage based on age. Instead, it will only limit their Trip Cost and Trip Length eligibility, as it did previously. The maximum eligible trip cost remains at $15,000 and trip length is still 30 days for travelers 80 and over.

If you have any questions about these upgrades, you can leave a comment below, call us at 1-800-523-8020 or email us at info@travelsafe.com. We look forward to hearing from you!

15 Questions to Ask Your Travel Insurance Company


How long has it been since you reviewed your travel insurer’s benefits? Chances are their coverage has changed since the last time you reviewed their Benefits. To make sure your clients are getting the most for their investment, ask these 15 questions to any travel insurer you’re considering:

  • Do they have Flat rates for children under 18? The advantage here is kids do not have to be family or related. Max 2 flat rates per paying adult in each enrollment.
  • Do they have Hurricane Warning Coverage for Trip Cancellation?  TravelSafe provides this coverage.  We offer it if within 24 hours of your clients Scheduled Departure Date and time their Trip destination is under a hurricane warning issued by NOAA instead of waiting for flights to be stopped or the Hurricane to actually hit!
  • How about revocation of previously approved time off from work as a covered reason for Trip Cancellation? This is a covered non-medical reason for us.  No need to add a work cancellation option, it’s already in there with Classic & Prestige plans.
  • Do they have Non-Medical Emergency Evacuation?  Up to $25,000 due to a formal recommendation from the appropriate local authorities, or the U.S. State Department, for customers to leave a country.
  • What’s their Missed Connection coverage? Do they have $2,500.00 in benefit coverage? Probably not, most have only $250 to $500.  At TravelSafe, that amount is included in our Basic program.
  • Is Unemployment covered as a valid reason for Trip Cancellation?  We only require that your client have been with the same company for 1 year, not the 3 to 5 years others require.
  • Do they protect your Commissions?  TravelSafe automatically includes Commission Protection without commission reduction in all of our Programs! We even cover CFAR cancellations for Classic Plus.
  • Do they offer Unrestricted Benefits for Terrorism?  TravelSafe has no restrictive lists that exclude coverage based on countries visited, times of travel, or State Department Warnings.
  • Do they offer Unrestricted Benefits for Financial Insolvency?  Again, we have no restrictive lists of approved suppliers or non-covered suppliers. Just have your clients buy within 21 days of deposit.
  • Do they offer a 12-hour Baggage Delay?  Most plans require your clients’ bag to be delayed 24 hours.  TravelSafe’s benefits begin after a 12-hour delay.
  • What’s their definition of a Pre-Existing Condition?  What’s their “Look back period”.  The language varies slightly but essentially any illness, disease or other condition that undergoes a change during the look back period is considered Pre-existing.  Ours is 60 days while other plans look back 90 or even 180 days. That means something your client was treated for 6 months ago could be an issue!
  • Do they have Deductibles? NO deductible for Medical, Baggage or any other coverage … even in our Basic plan! Only our optional Extended Personal Property Pac benefit has a deductible.
  • Do they offer Non- Emergency Medical Evacuation home or to Hospital of Choice?  It’s automatically included at no additional cost in all of our TravelSafe Plans!
  • Do they have Coverage for Frequent Flyer Rebanking Fees?  We do, for up to $150 for the cost of airline-imposed fees to rebank frequent flyer miles.
  • Do they offer Concierge & Business Services? TravelSafe offers these services Free in all of our plans except for our Basic plan.

 

To learn more about TravelSafe’s amazing benefits for travel agents, click here or call us at 1-888-885-7233. We look forward to hearing from you!
Your friends at TravelSafe

Tips to Make the Most Out of Travel Insurance

A growing number of people are investing in travel insurance for their vacations. In fact, the travel industry reported the number of people who purchase travel insurance plans has increased by 20% in the last decade. People are becoming increasingly aware of the value and importance of the coverage that travel insurance provides.

If an unexpected event occurs on vacation, travel insurance provides peace of mind and important coverage.  Unforeseen things can – and do – happen on vacation, and travel insurance can help protect you and your loved ones while they are away from home.

Appreciating the need for travel insurance is a great thing, but it is also important to purchase your policy with knowledge about which plan fits your need. While the most inexpensive plan might be the most appealing, it may not provide the coverage you need. On the other hand, you may not need the most expensive plan either.

Our goal is to help you understand you have many options when purchasing travel insurance, and to pick the plan that provides you the coverage you need while still fitting into your travel budget. Here are the important items to pay attention to so you can make sure you’re getting the most from your travel insurance:

  1. Read the certificate of coverage. We know, we know – it’s not the most exciting read, but it is important to know the details of your policy. Read it as soon as you purchase the plan and be sure to read it carefully. It’s also a good idea to highlight portions that you feel are the most important to you. That way, if you do have to file a claim you can reference your certificate of coverage quickly.
  2. See if your travel insurance policy has a pre-existing condition waiver. This is something that is usually over-looked, however it can be extremely important if you need to file a claim. Some travel insurance policies are more inexpensive because they don’t include a pre-existing condition. On most of our policies, including the TravelSafe Classic and TravelSafe Classic Plus, if you purchase the plan within 21 days of your initial trip deposit, the plan exclusion for Pre-Existing Conditions will be waived. If you have an illness or issue that you feel may cause you to file a claim, make sure your travel insurance policy includes a pre-existing condition waiver.
  3. If your trip plans change, update your policy. Trip dates can change and that can bring charges for extra nights at hotels or increased flight costs. These adjustments mean your overall trip cost has changed, and that information needs to be passed along to your travel insurance company. If you don’t update for the non-refundable parts of your trip, the insurance company can actually deny any claim you might make. This is the case because in order to be covered, you must insure 100% of the non-refundable trip penalties. On the other hand, if the cost of your non-refundable expenses decrease, you should also contact us so that we can adjust your policy and refund you for any differences in your coverage.

 

Still have questions? Want to learn more about which travel insurance policy is correct for your next vacation? You can reach us by phone at 1-888-885-7233, by email at  info@travelsafe.com. You can also post your question on our Facebook page or Tweet us. We look forward to hearing from you and making sure your travel insurance helps you with your travel needs.

Furloughs cause flight delays and cancellations

Air travelers are experiencing delays the government warned us about a few months ago. The delays are reportedly caused by forced federal spending cuts. On Monday, New York City-area airports reported delays for all incoming flights because air traffic controllers were forced to take unpaid time off.

Overall, furloughs kicked in on Sunday for 47,000 Federal Aviation Administration workers, including 15,000 air traffic controllers.

“Throughout today, the FAA has put in place a series of traffic management initiatives around the country to manage both reduced staffing as a result of employee furloughs and weather related issues,” Department of Transportation Press Secretary Justin Nisly said in a statement.

The FAA said there were 400 furlough-related flight delays on Sunday alone. Examples of the flight delays occurred on two Alaska Airlines flights destined for Los Angeles International Airport. The flights were diverted 60 miles away to Ontario International Airport Sunday night due to furloughs and bad weather. Due to the delay, the airline had to bus passengers to LAX. However, the airline waived rebooking fees through Tuesday, citing furloughs.

These delays are the only beginning. FAA workers are required to take a total of 11 days off by the month of September. The workers must take off at least one day every two weeks which means 1,500 controllers could be off the job per day.

“The best indicator of what this is going to be like is (that) we ran delays on Sunday — not one of the busiest days of the week — … on a perfect weather day,” said Stephen Abraham, the National Air Traffic Controllers Association representative in JFK.

In addition to delays, there were another 400 flights canceled Monday and 50 flights canceled Tuesday cancelled as of 5 am ET.

So what is your best bet for dealing with the delays? Be sure to check your flight status before heading to the airport. Be sure to purchase travel insurance to make sure your travel investment is protected against delays, cancellations and many other unforeseeable events.

We’d like to hear your thoughts about the recent flight delays and cancellations. Leave a comment below, write on our Facebook page or Tweet us. We look forward to hearing from you!

Travel Insurance Available for Canadian Residents


We are excited to announce that beginning April 10, 2013, US travel agents may now protect Canadian residents and citizens with the most popular TravelSafe travel insurance protection plans – Basic, Classic and Classic Plus (Quebec excluded).

Each plan offers distinct advantages depending on your customers’ needs. For coverage highlights, see the chart below.

Coverage Highlights for Canadians Basic Classic Classic Plus
Max Trip Cost/Days $10,000/30D $100,000/30D $100,000/30D
Max Age 79 80* 80*

*For passengers age 80, max eligible Trip Cost is $15,000.

In addition, when purchasing Canadian plans for your customers, a final purchasing stage will require you to complete an enrollment with the assistance of Northbridge Insurance Co., our Canadian underwriter.  Since US travel professionals are not licensed in Canada, we are required by Canadian Provincial regulations to complete enrollments in the following manner.

After entering and submitting the customer’s information, you will receive the following notice:

“To complete this enrollment, your client, or you and your client, must call the following number for verification purposes: 1-877-851-4523.”

Please have your client’s Enrollment ID available when you call.

For additional information, please see the Canadian TravelSafe Travel Agent Guide. If you have any further questions, leave a comment below or call us 1-800-523-8020. We’d be happy to speak with you.

Thank you for your continued support!

TravelSafe team

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TravelSafe Vacation Plan Named Number One for Second Consecutive Year

We are proud to announce that the TravelSafe Vacation Plan has been ranked the number 1 travel insurance plan for the 2nd consecutive year by Top Ten Reviews!

So what does this mean for you? TravelSafe plans provide unmatched coverage which allows travelers to see the world with peace of mind. Awarded a 9.5 overall rating, the Vacation Plan offers up to 150% of the trip cost if your trip is interrupted and up to $25,000 for non-medical emergency evacuation. The policy also provides a $100,000 emergency accident and sickness benefit.

According to Top Ten Reviews, “if you are most concerned about travel insurance benefits for missed connections or lost baggage, this policy beats all of the competition.”However, we know that one plan doesn’t fit all – so we offer several options so you can find the plan that works best for you. Choices include Basic, Classic, Classic Plus, Protect-a-Group and more.

To find out more about the right coverage for you, visit TravelSafe.com or call us at 1-888-885-7233. We look forward to hearing about your next travel adventure!

Safe travels,
Your Friends at TravelSafe