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Shutterstock_199552949_hand-w-travel-brochureOverlooking the unexpected events that occur in today’s travel world happens. Even the most carefully planned and well thought out trips can’t always avoid the surprises that life throws our way. We often don’t worry about serious emergencies, natural disasters, bankruptcy on a reputable cruise line, or loosing a job. Unfortunately, these events can and do happen and if your unprotected, your hard earned investment will suffer.

A common question that is asked when determining what type of travel insurance to purchase is, “What is the difference between trip cancellation and cancel for any reason?” We realize when selecting a travel insurance plan to cover your investment, these may seem similar or confusing. We will start with trip cancellation and the common reasons that reflect this coverage to be selected.


 Trip cancellation:

will reimburse, up to the plan maximum, the amount of forfeited, non-refundable, and unused payments or deposits that you paid for the covered trip if cancellation occurs before your scheduled departure date because of unforeseen circumstances. Examples of unforeseen circumstances are illness, injury, death, weather, and work related reasons such as layoff or termination. A Select plan will also reimburse additional costs incurred if the travel supplier cancels your trip and you elect to replace that travel supplier with a different travel supplier.

 Cancel for any reason coverage:

An option that can be added to your selected travel insurance plan. There are many common “what if’s” that may cause you to cancel your trip for a reason not covered under the plan. You can add this as part of your plan if you purchase coverage early and are concerned about cancelling your trip because you simply change your mind, encounter a work obligation, a change in weather occurs, your pet get’s sick, your visa is denied, or other life happenings that would fall into the “what if” category.

Travel Insurance Services is happy to assist you in:

1)Answering any questions that you may have.
2)Helping you identify coverage that will fit your needs.
3)Discussing optional benefits that will provide you with the most comprehenisve plans on the market.

Remember, whether it’s a trip of a lifetime, a yearly get-away, a special celebration, or a spur of the moment trip abroad, don’t put your trip at risk!

Study Abroad

Studying abroad is often associated with excitement, independence, cultural awareness, and personal growth. Any trip requires careful planning but students should be aware that in some study abroad destinations, safety should be kept in mind and deemed important.

Below are 10 important steps you can take to prepare for a safe trip abroad.

1) Be aware of any travel alerts and warnings for your destination
The State Department issues travel warnings and alerts to recommend postponing travel to a country if dangerous conditions are present and or civil unrest, terrorist activity, etc.

2) Familiarize yourself with customs and local laws
In any country you are expected to obey the laws. By researching the areas that you plan to travel, you are better equipping yourself with understanding telecommunication, restrictions, dress standards, curfews, etc.

3) Protect your passport
Theft of American tourist passports is on the rise. It is recommended that you carry your passport in a hidden portion of your clothes or a front pants pocket.

4) Use only authorized taxis
Be aware of gypsy taxis. Gypsy taxis are illegal taxicab operations and can be marked taxi vehicles, speedy cabs, or personal vehicles used by an individual to offer unauthorized taxi-like services.

5) Do not carry large amounts of cash
Always deal with reputable currency exchange officials or you run the risk of receiving counterfeit currency.

6) Do not take unnecessary identification or credit cards
Take only what you need. Obtaining travelers checks is a good alternative.

7) Make copies of necessary documentation
Making copies of passports, driver’s license, and airplane tickets will help speed the replacement process if they are lost or stolen. Keep a copy at home; carry a second copy with you but keep separate from the original.

Enrol in STEP-The Smart Traveler Enrollment Program which is a free service to allow U.S. citizens and national traveling abroad to enroll their trip with the nearest U.S. Embassy or Consulate. By enrolling, you receive important information from the Embassy about safety conditions, and help the U.S. Embassy and family get in touch with you in case of an emergency.

9)Travel Insurance
Many parents or students do not realize that they might not be covered by their health insurance when they travel abroad. Many do not cover emergency treatment outside of the country; should an emergency occur. Study USA Healthcare provides plans specifically geared toward students and can help you in selecting the right plan for your trip.


10) Keep track of all local emergency numbers
Store emergency contacts into your phone while abroad such as-the nearest US Consulate or Embassy, local police and fire stations, a local authorized cab company, you’re hotel, and any other numbers you may need in a pinch.

Suitcase OverflowingWe have all been there-trying to squeeze as many of our belongings into one bag and hoping the zipper won’t bust. With almost every airline charging $25+ for you first checked bag and $50+ for overweight bags each way, it’s now more important than ever to pack efficiently.

Whether it’s for unexpected weather, a flight delay or cancellation, or deciding to extend your stay by a couple days The answer isn’t telling you to pack less because let’s face it-you want to have wardrobe options when you travel.

Here are 5 packing tips and ideas to help maximize space in your suitcase more efficiently:

1) Roll your clothes

 A common packing technique and the best way to fit the most into your suitcase. Rolling your clothes not only provides more space but rolled clothes tend to wrinkle less than folded clothes.

2) Utilize your shoes

 Shoes take up a lot of space inside a suitcase. Utilize them by stuffing socks, underwear, jewelry, and other small items to help maximize space.

3) Shrink heavy articles

Travel Space Bags are a great option to shrinking down bulky and heavy articles of clothing. You do not need a vacuum to operate and these bags will keep your clothes wrinkle free and protected.

4) Invest in travel gear

Grooming accessories and hygiene products are bulky and take up space. The good news is, most are available in travel sizes. You can also buy a mini brush and comb, travel-sized toothpaste and toothbrush, a mini hair dryer, travel-sized bottles for shampoo, conditioner, body wash, etc.

5) Pack awkward items first

Pack items such as shoes, purses, and blow dryers around the outer perimeter, and then work your way in. Use the odd-shaped cracks between items to tuck in your socks, bathing suits, and belts.

Share with us!

Do you have any helpful packing tips or secrets that save you space while traveling?


Work Life Balance

The hustle and bustle of today’s Corporate America employees have many feeling overwhelmed. The balancing act of productivity and personal time can be a challenge for all business travelers. The number-one sacrifice that business travelers make is spending personal time away from family and friends, and fighting with a healthy work-life balance. So, that leaves the question of, How do you  manage a work-life balance in today’s hectic, fast-paced, business world?

According to the Travel Effect, the U.S. Travel Association’s research-driven initiative, 40% of American workers will leave paid vacation days unused. Does that statistic shock you? The four reasons cited the most are; the dread of returning from a vacation to piles of work, the belief that no one will be able to step in and do their job for them while they’re gone, not being able to afford it, and the fear of being replaceable. Not taking time off from work comes at an expense of our health and performance. It’s important that business travelers, and America’s workforce prioritize and recharge. This doesn’t have to mean going on an elaborate vacation and spending money that takes months to save for. You can get-away and travel right at home. You’ve earned it, take it!

Balancing business travel and the day-to-day work-life balance can be challenging, but besides using your paid time off, here are three key tips for a helpful work-life balance.

1)Technology-Turn it off
Often times we head home from traveling or the workplace and we find it hard to turn our brains off. From texts coming through, to emails chiming in, to late-day phone calls, it can seem that our work is never done. Therefore, our brains never rest. Ask yourself these questions, Do I need to look at it right now? What will happen if I don’t. Listen for the answer and see what happens when you re-engage without your 3D world.

2)Eliminate stress
From paying bills, to housecleaning, food shopping, to laundry, American’s have a list of to-do’s that can pile up. Many of the above are noted as pre-trip stress’s. According to The World Bank research, business travelers not only have  pre-trip stress but also on the road stress, and returning home stress which included separation from loved ones, guilt about leaving, missing family events, and living in hotels among the top. Managing your time efficiently can be easier said than done but running errands in batches, doing a load of laundry a day, placing family events on a weekly calendar, and spacing out your to-do list over the course of the week rather than just the weekend will help eliminate the demands of feeling overwhelmed and instead leave more time for relaxation and down time.

3)Nurture yourself
After examining 13,000 medical records in a corporate wellness plan, Columbia University researchers in 2013 tied excessive business travel to poor health. Fitting in exercise, eating well, and getting a good night’s rest can be an overwhelming task for anyone-and if you throw business travel in the mix, it may feel impossible. Sleeping in a different environment, late nights or changes in time zones, increased stress, and dining out eating fattening foods can take a toll on your body more than you think. Plan ahead and commit to self-care by packing healthy snack options, fitting in 20-30 minutes of physical activity, and drinking plenty of water. Staying healthy while traveling may be challenging, but it’s possible. You’re body and business will thank you.

Tell us-how do you manage a healthy work life balance?