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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.


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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.

 


10 Important Items for Your Vacation Safety Checklist

By: Jessica Thiefels

image from exchange.aaa.comYou feel at ease on vacation—and you should—but that doesn’t mean you should completely let your guard down. Unpredictable circumstances can still happen while on vacation, from sickness and car problems to having a lost or stolen passport or getting injured.

While you can’t predict what will go wrong, you can prepare by taking these ten safety items with you.

 

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4 Ways Travel Insurance is a Life Saver in Countries with Civil Unrest

Albania-Riot-PoliceAll of us have a little bit of wanderlust in our systems. Whether we simply want to head over to a creek near home, or venture out into the unknown, all of us like to do a little bit of traveling and go on adventures. However, for those of you who like to venture out into the unknown and visit foreign countries, there’s always a risk that your dream getaway destination may be going through some civil or political unrest. And this could pose a risk to the safety of yourself and whoever you’re traveling with. One popular example we can see right now is with Brazil. The South American nation is gorgeous and well-known for its rich, diverse culture and its breathtaking beaches and coastal cities - one of the reasons Rio de Janeiro was chosen as the destination for the 2016 Olympics. However, Brazil is also one of the many nations dealing with political corruption, with a president that is currently suspended from office. Many times, countries dealing with these issues could pose risky situations for the common traveler, as they run into violent strikes or riots, being in the wrong place at the wrong time. Fortunately however, travel insurance can be of assistance to those who are traveling to nations dealing with civil or political unrest. How? Let’s find out!

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In Rio For the Olympics?
Follow These 4 Safety Tips!

MaxresdefaultIt’s the moment we’ve all been waiting for! The start of the 2016 Olympics in Rio de Janeiro, Brazil. While some of us are going to be lounging back on our couches as we enjoy the various Olympic competitions, some of us are actually going to be in the breathtaking, picturesque Rio de Janeiro, watching the Olympics up close and live. It’s an amazing experience that everyone who’s a fan of the Olympics should get a chance to experience at some point in life. The 2016 Olympics is going to be a real treat for those attending it live; not only because of the various competitions to be viewed, but also because it’s going to be in one of the most beautiful seaside cities in the world. However, as gorgeous as Rio de Janeiro and the entire nation of Brazil is, there are also many safety concerns associated with being a tourist there. So how can you make sure to stay safe? Let’s find out!

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