Take a nice trip this fall

As colder temperatures sweep across the country and the leaves are set aflame with color, the U.S. settles in with the arrival of autumn in all of its pumpkin spice-scented glory. Many think of fall’s predecessor or its successor as the ideal times to travel for various reasons, whether summer beach vacations or the winter holidays. However, the fall season has its own charms to offer any vacationer looking to get away. Here are just a few of the top places to travel for a full fall experience:

Vermont

Northeast Region: Montpelier, Vermont—There many locations throughout the various regions of Vermont with world famous views of the changing leaves. Whether you choose to conquer one of the many hiking trails the Green Mountain state has to offer, enjoy one of its eclectic art events, or tour its scenic byways, Vermont has something to offer for everyone. For more information on places to visit in Vermont during the fall season, including two maps for the current conditions and forecasting the fall foliage, click here.

 

Washington

West Region: Washington—
The Pacific Northwest is famous for its landscapes among other things. Therefore the fall season is a prime time to visit the region, particularly the state of Washington. Set the stage at the Cascade Loop Scenic Highway:“[c]olorful sights include the vibrant yellow larches of Ross Lake, the golden-grassy farmland of Winthrop and blazing yellow-red maple vines in Leavenworth,” according to ExperienceWA.com. In addition to scenic overlooks along these and the many other drives, Washington offers hiking opportunities, like Wallace Falls near Gold Bar, as well as fall festivals, such as Autumn Leaf Festival in Leavenworth. To learn about other scenic drives in Washington for your next fall time excursion, check out this article.

  St. Paul

Midwest Region: Minneapolis/St. Paul, Minnesota—According to Travel Channel, Minneapolis-St. Paul offers a plethora of fall fun opportunities. The area offers a “scenic leaf-peeping drive” using either the Minnehaha Parkway in Minneapolis or Summit Avenue in St. Paul. If you prefer to get closer to nature, Minnesota’s Fort Snelling State Park and Afton State Park give hikers and bikers that chance. To learn more about the different autumn scenic views, sports activities, shopping and more — click here.

  Grand canyon

Southwest: The Grand Canyon National Park, Arizona—The Grand Canyon National Park is hailed as one of the country’s most popular parks with approximately 5.9 million people visiting the 277 mile wonder last year alone, according to National Geographic. U.S. News & World Report suggests that the best times to visit the park are either in the spring between March and May or in the fall between September and November. During the fall, the temperatures cool down and the summer crowds disperse, leaving more hotel rooms and trails available as you enjoy the beauty of the Canyon. To plan your trip the Grand Canyon National Park, visit the National Park Service website here.

  New orleans

Southeast: New Orleans—New Orleans, also known as the Big Easy, “keeps locals and visitors busy with countless events from late September through November…,” according to Travel Channel. From the city’s own Oktoberfest or its famed Oak Street Po-Boy Festival to the Louisiana Seafood Festival and the Voodoo Music Festival, the city has something for everyone to enjoy during the fall season. For more information about the best times to travel to the Big Easy, check out this article from U.S. New and World Report.

Outside of this list, there are many places across the United States that offer fall enthusiasts spectacular views of the changing leaves, traditional hay rides, fall festivals, Halloween celebrations and more. Wherever you travel, USI Travel Insurance Services is here to help protect not only your travel plans, but also your experience. For information on how Travel Insurance Services can protect your trip, visit our website here.


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When Natural Disasters Affect Your Travel Plans

Take a moment to consider: once busy streets, alive with passersby enjoying the seemingly endless sunshine, now rivers of murky water and debris. Within the last few weeks, Hurricanes Harvey, Irma, Maria and Jose have devastated Florida, Texas, Puerto Rico and the Caribbean Islands. Millions of people have been displaced and millions of travelers have had their travel plans derailed or even canceled.

So, what did we learn amid the chaos?

As a result of the recent hurricanes, travel insurance companies have experienced a sudden influx of travel-related claims from many of their policy holders. Luckily for many travelers, airlines and lodging facilities often offer full refunds for trips to areas affected by natural disasters when they can’t render the services that were purchased. As such, insurance companies do not see as much of a jump in Trip Cancellation insurance claims in these circumstances. However, Trip Interruption and Travel Delay claims typically spike during disasters like the ones experienced in the last few weeks.

  • Trip Cancellation
    Your insurance will generally reimburse you for any non-refundable, pre-paid trip payments or deposits, up to the amount insured, if cancellation occurs before scheduled departure because of unforeseen circumstances covered by the plan.
  • Trip Interruption
    Your insurance reimburses non-refundable, pre-paid and unused trip payments if your trip is interrupted after departure because of covered circumstances. And here’s the best part – coverage includes reimbursement for additional transportation expenses to re-join the trip or return back home.
  • Travel Delay
    If your trip is delayed beyond the minimum time specified in the plan and for a covered reason, you will be reimbursed up to the plan limits for reasonable expenses.

The Early Bird Gets the Worm

Many travel insurance policies do cover natural disasters, such as hurricanes, that may impact a traveler’s plans. However, this particular coverage often comes with the stipulation that the policy must have been purchased before the storm was named. So, those who are proactive with their travel insurance purchase tend to fare better with receiving Trip Cancellation, Trip Interruption, and Travel Delay benefits than those who wait to purchase insurance.

It is reasonable to assume that the advent of these disasters will continue to affect the travel insurance industry as travelers become more conscious of how forces out of their control can derail any well laid travel plan. And it’s not just natural disasters – anything from terrible weather to a family medical emergency can ruin careful planning and bring your trip to an end before it even begins.

Having a travel insurance policy in place with Trip Cancellation, Trip Interruption and Travel Delay clauses can help protect you from losing your financial investment in your trip regardless of the situation. USI Affinity Travel Insurance Services offers plan options to fit your individual needs as a traveler. For example, with the Travel Insurance Select plan, travelers receive the following benefits and non-insurance services:

  • Coverage for Trip Cancellation - Be reimbursed up to 100% of the money you invested in your trip.
  • Coverage for Trip Interruption - Recover up to 150% of your trip costs, depending on the plan you choose.
  • Coverage and services on Emergency Medical Evacuation, Missed Connections, and more
  • 24-hour access to Emergency Assistance Services – No matter where you are, you have help when you need it.

Life is unpredictable no matter how well you plan, but you can be prepared. Consider protecting your next trip with travel insurance.

For more information about the options offered by USI Affinity Travel Insurance Services to protect your next trip, click here.


Abby

How to Prepare for an Epic (Yet Safe!) Cross-Country Road Trip

By Abby Terlecki

A cross-country road trip can be the adventure of a lifetime. Travel writer Paul Theroux calls the "Great American road trip ... the supreme example of the journey as the destination." Theroux has traveled the world, yet his wanderlust always circled back to the America he had not yet discovered.

To be on the move on the open road feels like freedom and a dream for many. And if you have Theroux's spirit, the road pulls you toward all there is to explore, from the bustling streets of LA to the rolling hills of West Virginia and all the beauty in between.

Navigating new territory requires the right preparations though, even in your homeland. A lack of a planning could turn your dream trip into a nightmare, so make sure to incorporate the following into your cross-country road trip prep:

Avoid an Auto Breakdown

The unforeseen is inevitable during a long road trip, but car trouble is one mishap that you don’t want to experience. The best way to avoid auto distress is to prepare with a car inspection. The DMV recommends checking tire pressure, air filter, battery, and fluids, including automatic transmission, coolant, brake, power steering and windshield washer fluids. Check DMV.org for more pre-maintenance tips, so your trip doesn’t become a mechanical disaster.

Know the Rules of the Road Across State Lines

Along with car maintenance, you’ll want to make sure that your driving knowledge is up-to-speed, since road signs, rules of the road and speed limits vary by states. Learning state-specific information, such as local traffic laws and safe driving practices, will help ensure that you’ll cruise through states problem-free. A traffic violation ticket can certainly interrupt the good vibes of your trip.

Research and Create an Itinerary

A solid itinerary backed by good research keeps you on track and ensures you hit up the most unforgettable destinations. Consider an itinerary to serve as your travel tool guiding you along your adventure, from experiencing the New England coast to soaking in the beauty of the Grand Canyon.

  • Explore your possibilities with a good old-fashioned atlas that can identify good routes or back roads
  • Buy travel guides or connect with a travel agency to learn about landmarks and hidden gems you may never have considered
  • Use Road Trip USA and the Jetsetter app as excellent resources to guide your dream trip planning
  • Invest in an America the Beautiful pass for access to national parks and federal recreational sites
  • Talk to the locals along the way! Recommendations from the locals can lead you to the best restaurants, activities, and sites
  • Download the HotelTonight app to find great deals for booking a hotel last minute in a moment of spontaneity

Pay the Right Way

Despite what PayPal tells you, it’s best not to “buy a tropical vacation now” and “pay for it later.” Funding your trip on your credit card creates bad debt, comes with high interest rates and can kill your credit score (not to mention support bad financial habits). The healthiest strategy is to save by making a public goal and automatically transferring funds into a separate travel savings account, for example. Viktor Vincej of Traveling Lifestyle breaks down saving tips, tricks and hacks for traveling at a reasonable cost. See what he recommends for transportation, accommodation, food and more.

Pack like a Pro

Packing can be the bane of a traveler's existence. Start to organize your packing by making your own list or following one online. Pack your belongings in various bags of different sizes (rather than one large suitcase), so you can re-pack a small bag for a hotel room or Airbnb rental with only the essentials specific to the weather and activities of those travel days. Don’t forget to put together an emergency kit with a spare tire/car jack, water, first-aid kit and healthy snacks to avoid picking up junk foods at gas stations.

Be Protected from the Unexpected

It’s easy to follow the adage “it’ll never happen to me,” especially when it comes to insurance. This additional cost can seem like a waste, but the risk can be costly. Travel protection helps ensure you're covered in the event of illness, injury and other emergencies. USI Travel Insurance Services offers Voyager annual travel insurance for frequent travelers who want to take a cross-country road trip — here in the U.S. or abroad. Voyager can help prevent financial loss in the event of a medical emergency, evacuation, travel delay, trip interruption or baggage loss as you cross borders via plane, vehicle, train or boat.

 

About the author:

Abby Terlecki is a marketing copywriter for a university in Phoenix, Ariz. After work, Abby heads to happy hour at her CrossFit gym—her sanctuary of strength where she fell in love with the barbell. In between writing and lifting, Abby loves to explore the Grand Canyon state, indulge in great food and drive west to the beach. Abby earned her journalism degree from Ohio University and has since made the desert her happy home.


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How to Prepare for the Ultimate Backpacking Trip

By Jim Burch

John Muir once said, "The clearest way into the Universe is through a forest wilderness.” And there is no better way to see America's wilderness than to strap your gear to your back and walk. But it's not that simple, is it? Backpacking, while fun and rewarding, is sometimes difficult and requires real preparation.

Get in Hiking Shape

Even at no grade and low altitude, hiking for 10 miles and 25 plus pounds on your back takes a toll on your body. If you're a beginner hiker or you spend most of the day sitting in an office chair, there are a few simple exercises to get your legs and core into prime hiking shape.

  • Core - Deadlifts are crucial to back and core strength. Learn to do them safely and properly.
  • Legs - Squats and lunges target both the front and back muscles all the way down the leg.
  • Mobility - The "Limber 11" is a great series of stretches to make long hikes safer and more comfortable.

Get the Gear

The toys needed for a backpacking adventure into the wilderness are minimal, but you should still invest time and research into these key items before exploring the backcountry:

  • Backpack - A good backpack should carry 35-45 liters of gear and have an internal frame to distribute the weight off your shoulders and onto your hips.
  • Tent - The giant tent you use for family car camping won't do for this excursion. Backpacking tents are light, small and only big enough to fit the exact number of people in your group (usually 1-3). Make sure it has a rainfly and consider the additional footprint if you'll be camping on rough ground.
  • Sleeping Bag - If there is one item to splurge on, it should be the sleeping bag. Down feathers pack down and loft out better than synthetic material. You should also find one with a temperature rating below the coldest night of your trip.
  • Sleeping Pad - Most people think the primary function of a sleeping pad is to give cushion, but it's actually to separate you from the cold ground below. The best sleeping bag does nothing if it's pressed up against the cold ground, but a sleeping pad offers a buffer between your body and the dirt below. It also just so happens to be more comfortable.
  • Water Filtration - When you're more than a day's hike from the nearest clean water source, you need a method to filter your own from a stream or pond. Water filters filter out impurities from any water source so you can have safe, clean water to drink and cook with.

There are dozens more items to consider, such as headlamps, a knife, and first aid, but any good backpacking checklist will help ensure you have everything you need.

Get Your Itinerary

You've got the gear, you're in great shape, now it's time to prepare for the actual trip. Controlled land, such as National and State Parks, will usually require backcountry permits for wilderness camping. Popular parks such as Grand Canyon and Yosemite are very difficult to get permits for, so you should sign up for them the moment they're available.

Even if you're backpacking through a national forest or wilderness area, which usually does not require permits, it's a good idea to have an itinerary and share it with someone before you leave. National parks use permits to control crowds on the trail, but also to know where you are if something happens (a fall, an animal attack, etc.).

Make an itinerary, share it and stick to it and you'll be just fine.

Focus on the Journey

Multi-day backpacking trips can be physically challenging, but try to enjoy each moment — even when your body is tired — instead of just thinking about completing your journey. After all, you're off the grid and among nature to savor every step and take in every sight.

 

About the author:

Jim Burch studied creative writing and journalism while working as an editor for the Murray State News in Kentucky. These days, he writes diverse copy -- from sports and movies to tech and health.

 


Fireworks

On July 4th 241 years ago, a room full of delegates and appointed officials signed into being a new nation built on ideals now nearly synonymous with the American way of life.  On that day, there was no certainty that the United States would win their battle against England but there was trepidation, determination, and courage. Little did the Founding Fathers know what they would create with their signatures when they signed into being the Declaration of Independence. This weekend marks the countdown to July 4th- an annual holiday commemorating the birth of America and celebrating the American people. 

Where history began and where it continues

In 1682, nearly one hundred years before the historic signing of the Declaration of Independence in Philadelphia’s Independence Hall, William Penn arrived seeking to settle a land of religious tolerance for himself and his fellow Quakers. This vision was realized through the formation of his namesake Pennsylvania and, within it, Philadelphia- a name combining the Greek words phileo – meaning ‘love’- and adelphos - meaning ‘brother’- which has led to its famous nickname as “the city of brotherly love.”1

Today, Philadelphia still holds its place as a major American city. It is both a modernized tourist attraction and a glimpse into its history as the birthplace of the United States of America. Being that USI Affinity’s headquarters is located in this remarkable city, we are presenting you with a list of five (out of the many) must see locations in Philadelphia for the 4th of July.

Top five places to visit in Philadelphia:

  1. Christ Church

Nestled among the busy streets of Philadelphia’s Old City, the tower and steeple of stand tall against the backdrop of high-rise office buildings and skyscrapers. An anachronism serving as a bastion for American history, Christ Church was Founded in 1695 as the first parish of the Church of England in Pennsylvania2.

Once the tallest building in America until 1856, the current structure was erected in 1744 with its steeple and tower added in 1754 with funds collected by famous parishioner Benjamin Franklin2. It was in this church that many important figures in American history- such as William Penn, Benjamin Franklin and George Washington- met and worshiped. This common gathering space played a crucial role in the Revolutionary era as it not only served as a common ground for these American figureheads but it also welcomed the Continental Congress, hosted President George Washington and other legislators during national days of prayer, and symbolized the new nation’s break from the Church of England. According to the church’s website, it was in Christ Church that “the Protestant Episcopal Church in the United States was created from the ashes of the Church of England.”3

Today, approximately 250,000 visitors each year come to see the historic church and its burial ground, wherein seven signers of the Declaration of Independence and five signers of the Constitution are buried. It is open for tours and also serves as an active Episcopal Church with weekly services. 3

Fun Fact: Christ Church is where the American Episcopal Church was formed.

 

  1. The Museum of the American Revolution

The Museum of the American Revolution has recently been opened in the city that the war for independence began- Philadelphia. The new 118,000 square foot museum not only showcases its collection of artifacts from the Revolutionary War and the Revolutionary Period, but immerses visitors into the historic time period4.

The museum has thirty-one audiovisual experiences, twenty life-like figures and ten theaters among its hundreds of artifacts4. In addition to highlighting the stories of the Founding Fathers and Revolutionary War soldiers, the museum provides an “inclusive picture of the American Revolution that is often overlooked by other institutions” 4 by including stories from both enslaved and free Africans, Native Americans, and women.

For more information about the museum, click here.

Fun Fact: According to the Museum of the American Revolution’s website, one of the most “anticipated pieces in the museum is General Washington’s Headquarters Tent, an iconic piece of history where President George Washington slept and made world-changing decisions.“4

  1. The Delaware River Waterfront- Penn’s Landing

In 1682, visionary William Penn first docked on the shores of what would become the foundation of his place in American history- Pennsylvania1. Today, Penn’s arrival in what would become his namesake state is celebrated through Penn’s Landing, a stretch of the Pennsylvania bank along the Delaware River Waterfront. Despite its name, the Penn’s Landing that exists today as a popular tourist attraction is not exactly where Penn landed or made the infamous treaty with the Lenape Indians granting him the land that is now Pennsylvania. That location is actually several miles north of Penn’s Landing. Regardless, Penn’s Landing blends in with the historic district of Philadelphia along the edge of Old City. It hosts numerous concerts and events all throughout the year- including movie screenings, open air concerts, ice skating and fireworks for the 4th of July5.

Fun Fact: Today, a historic marker commemorates the real spot where Penn first set foot on what would become Pennsylvania soil, located in Chester, PA.

  1. The Philadelphia Museum of Art (and the Rocky Statue)

Hailed as the third-largest art museum in the nation, the Philadelphia Museum of Art is located at the end of the Benjamin Franklin Parkway in central Philadelphia and overlooks the Delaware River. Founded in 1876 as a museum for decorative arts located in Memorial Hall, the Philadelphia Museum of Art was relocated in 1928 to its current Greek-inspired building6. Today, the museum features a wide variety of Renaissance, American, Impressionist, and Modern art6.

In connection with the famed museum is another celebrated Philadelphia must-see attraction. At the bottom of the stairs leading to the East Entrance of the museum is the famous Rocky Statue. This bronze statue was created in the likeness of actor Sylvester Stalone’s character Rocky Balboa for the filming of Rocky III. Stalone donated the statue to the city of Philadelphia where the movie took place and it has become a popular tourist attraction7.

Fun Fact: The stairs leading to the East Entrance of the Philadelphia Museum of Art are well known as the “The Rocky Steps”, an attraction that, like the Rocky Statue, was made famous by the Rocky movies. The steps have even been declared as the second most famous movie filming location in the entire world7.

  1. Independence National Historic Park

What better way to celebrate the birth of a nation than at the very place the Founding Fathers signed the country into being? Philadelphia’s Independence National Historic Park is widely known as the “birthplace of American democracy”8. Its grounds see approximately 4.3 million visitors per year and host multiple historic treasures, such as Independence Hall wherein the Declaration of Independence, the Articles of the Confederation and the U.S. Constitution were signed.

Originally erected as the State House of the Province of Pennsylvania in 1732 until 1756, Independence Hall hosted “historical milestones” including meetings of the Second Continental Congress from 1775 to 1783, the ascension of George Washington in 1775 as the Commander in Chief of the Continental Army8. With its time as an operational hub for legislative action long since passed, Independence Hall now serves as a historic monument and is open regularly for guided tours.

Outside of Independence Hall, the Independence National Historic Park includes the popular Liberty Bell Center, the First Bank of the United States, Franklin Court, National Constitution Center, and Independence Visitor Center among others. The park in it’s entirely, as does each of the historic sites that it is comprised of, preserves the foundation upon which the United States was built. For more information about the park, click here.

Fun Fact: Now the largest city in Pennsylvania, Philadelphia served as the nation’s capital from 1790 until a permanent capital was established in Washington, D.C., in 18001.

Ready to see American history unfold before your eyes on your next travel excursion? Contact ABA Insurance for all of your travel insurance needs by clicking here or calling 1-855-874-0811.

 

 

 

References:

  1. History.com Staff. (2009). Pennsylvania. Retrieved June 27, 2017, from http://www.history.com/topics/us-states/pennsylvania
  2. Christ Church. (2016, August 09). Retrieved June 21, 2017, from http://www.visitphilly.com/history/philadelphia/christ-church/
  3. Church History and Those Who Attended. (n.d.). Retrieved June 23, 2017, from http://www.christchurchphila.org/Historic-Christ-Church/Church/Church-History-and-Those-Who-Attended/86/
  4. Museum of the American Revolution. (2017, May 24). Retrieved June 23, 2017, from http://www.visitphilly.com/museums-attractions/philadelphia/museum-of-the-american-revolution/
  5. Penn's Landing. (2016, August 16). Retrieved June 21, 2017, from http://www.visitphilly.com/outdoor-activities/philadelphia/penns-landing/
  6. Philadelphia Museum of Art — visitphilly.com. (2017, March 28). Retrieved June 24, 2017, from http://www.visitphilly.com/museums-attractions/philadelphia/philadelphia-museum-of-art/
  7. The Rocky Statue And The Rocky Steps. (2017, June 15). Retrieved June 24, 2017, from http://www.visitphilly.com/museums-attractions/philadelphia/the-rocky-statue-and-the-rocky-steps/
  8. Independence National Historical Park. (2016, June 13). Retrieved June 25, 2017, from http://www.visitphilly.com/museums-attractions/philadelphia/independence-national-historical-park/