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August 2017

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.