Travelers Institute to Tackle Distracted Driving, Cybersecurity, Severe Weather in 2019

HARTFORD, Conn.–(BUSINESS WIRE)–Feb 13, 2019–The  Travelers Institute, the public policy division of The Travelers Companies, Inc. (NYSE:  TRV ), today announced its series of 2019 educational forums focused on combating distracted driving, managing cyber risks, insuring autonomous vehicles and preparing for severe weather events. Programs are free and open to the public.

“We saw great engagement throughout our symposia series in 2018 and look forward to continuing to raise awareness of important social topics across the United States and Canada,” said Joan Woodward, President of the Travelers Institute and Executive Vice President of Public Policy at Travelers. “By bringing together community members, entrepreneurs, business leaders and students, we hope these events will help to identify solutions that will generate real change for widespread societal issues and help people and businesses stay safe.”

The first symposium of the year will be “Disrupting Distraction,” part of the Travelers Institute ® Every Second Matters℠ series. It will be held today at Butler University in Indianapolis, Indiana, beginning at 6 p.m. ET. This series brings attention to alarming distracted-driving trends contributing to traffic fatalities and highlights innovative approaches to help prevent distractions and encourage safer behaviors.

“Constant connection is so highly valued in our society, but the urge to stay in touch can have devastating consequences,” said Lane. “The Every Second Matters initiative and today’s event will take us a step closer to reducing avoidable fatalities and injuries, and we’re proud to be a part of the effort.”

Travelers has also developed a new video series — “Unfinished Stories” — as part of its efforts to discourage distracted driving. The videos honor victims of distracted driving by imagining what might have been if the crash never occurred. The series is being shared across the company’s social media channels and during Travelers Institute and other events. To see the latest video and other distracted driving content, click here.

Additional educational forums planned for 2019 include Cyber: Prepare, Prevent, Mitigate, Restore ℠, a series that provides guidance for small and midsize organizations to help them prepare for and respond to data breaches and other cyber incidents, and the annual “Kicking Off Hurricane Preparedness Season” symposium to be held at the start of the Atlantic hurricane season, as well as other events focused on natural disaster preparedness, autonomous vehicles and small business solutions.

Visit the  Travelers Institute website to see the schedule of upcoming events and learn more about these initiatives.

About the Travelers Institute

The Travelers Institute, the public policy division of The Travelers Companies, Inc., engages in discussion and analysis of public policy topics of importance to the insurance marketplace and to the financial services industry more broadly. The Travelers Institute draws upon the industry expertise of Travelers’ senior management, as well as the technical expertise of many of Travelers’ underwriters, risk managers and other experts to provide information, analysis and solutions to public policymakers and regulators. Travelers is a leading provider of property casualty insurance for autohome and business. For more information, visit www.travelers.com.

Almost two-thirds of Canadians either don’t buy or are unsure if they have trip cancellation insurance before leaving on holiday.

Read more

These Are The Most Common Travel Insurance Mistakes

The excerpreted article was written by Christopher Elliott

It’s peak season for travel insurance claims, a time of year when vacationers are sending their reimbursement requests for their ill-fated year-end holiday getaways. If you’re one of the unlucky travelers who are about to file a claim, be careful to not make one of several common travel insurance mistakes,` any of which can potentially lead to a rejection of your claim.

Travel insurance claim denial rates are not publicly reported, but they are said to be somewhere between 2% and 5%.

Don’t worry, you can easily avoid the most common travel insurance claims mistakes. All you need is a cheat sheet of the most common claim mistakes and a few insider strategies for getting around them.

If you’ve purchased a policy through a third party, there’s good news: The company will help you and ensure that you’ve filed all the paperwork correctly. For example, G1G.com, a travel insurance comparison site, can process a claim either through a customer care representative or through an online portal.=

“Unfortunately not all travel insurance companies claims process are as easy as they should be,” says Zubair Jeewanjee, G1G’s CEO. “As a result, travelers often miss out on valuable compensation due to antiquated and time-consuming claims procedures. The best way to avoid claims mistakes is having us do it for you.”

These are the most common travel insurance mistakes

As a consumer advocate, I deal with travel insurance claims — especially denied travel insurance claims — on an almost daily basis. Travel insurance companies with great customer service reputations handle their claims quickly and fairly. Others — not so much.

It’s the perfect time to think about this problem. More people than ever will buy travel insurance in 2019. A survey by Squaremouth, a travel insurance site, predicts 24 percent more travelers will need to insure their international trips because of new travel regulations.

Here’s a list of common travel insurance mistakes:

Incomplete paperwork

That’s the most common obstacle to getting a travel insurance claim paid, according to Stan Sandberg, co-founder of TravelInsurance.com. “While not especially difficult, filing an accurate claim requires attention to detail and having your travel documents and receipts organized,” he says.

Insider tip: Keep either an electronic copy or hard copy of all of your travel purchases in one place. If you experience an unexpected issue while traveling that you believe is covered under your travel insurance, keep all of those receipts in a separate folder or envelope. “If you have to file a claim, you’ll already have most of your documents organized,” says Sandberg.

Bad timing

Another common claim problem: Your claim occurs before your effective date. “Most people naturally purchase coverage for the first day of their arrival at their destination,” explains Justin Tysdal, CEO of Seven Corners, a travel insurance company. “But what you may not think about is what can happen during your travel. Especially if you’re spending a whole day traveling across the world. You could sprain your wrist picking up heavy luggage, or you could eat some iffy airport food and end up sick. But if your coverage doesn’t start until the next day, you could be stuck with the doctor’s bill.”

Timing, as they say, is everything.

Another common timing problem is waiting too long to file the required paperwork. You typically have 90 days from the date of your loss to submit your claim. If you miss that deadline, you could get an automatic denial from a travel insurance company.

Insider tip: Make sure that coverage starts the day you begin your travel and that you file your claims paperwork as soon as you can. “Plan ahead so that if you do get sick or injured in an airport in a foreign country on a layover, you’ll be protected,” adds Tysdal.

Inadequate documentation

This may be one of the biggest roadblocks of all. If you can’t prove you have a claim, you’re out of luck. “The biggest barrier to processing a claim is missing or inadequate documentation,” says Beth Godlin, president of Aon Affinity Travel Practice. “Just like with your auto or home insurance, when you file a travel insurance claim most plans require backup in order to process your claim.”

Insider tip: Providing correct, complete documentation from the start can mean faster reimbursement. To make sure you’ve covered everything, call your travel insurance provider or check its app or website to confirm what you need to submit. “Different scenarios require different documentation,” explains Godlin. “For example, travelers might need to provide a completed attending physician statement, along with the original trip itinerary, for a trip cancellation due to a medical reason. For a trip delay, they might need to provide receipts for extra costs incurred, or verification from their airline in order to be reimbursed.”

Filing an invalid claim

This is perhaps the most frustrating of all blocks, and it’s a permanent one. “When it comes time to file a travel insurance claim, many travelers don’t read the fine print of their policies,” explains Joe Cortez, NerdWallet’s travel expert. “Just because a plan says ‘trip cancellation,’ it doesn’t mean they can cancel their trip for any reason. It’s important for travelers to understand what situations are covered and not covered before they make any decisions about that would result in an insurance claim.”

For example, a State Department travel advisory may not be enough for a successful travel insurance claim, but getting involved in a car accident while on the way to the airport could be a covered situation.

Insider tip: You can avoid filing an invalid claim by understanding what’s in your travel insurance policy before you leave. And it works both ways, Cortez adds. “Many travelers don’t realize when they are covered under a travel insurance plan,” he notes. In other words, you might not file a travel insurance claim even though you were covered for the event.

What are your travel insurance claims stories?

I asked readers to share their favorite travel insurance claims stories, and, did I get an earful. It turns out that making a travel insurance claim mistake is too easy.

“Before you buy a policy, read it,” says Paula Miller, a retired teacher from Kitty Hawk, NC. “And known the difference between canceling for a covered reason or cancel for any reason.”

Miller bought insurance for her last trip through Expedia. Her mother-in-law died the day she was supposed to leave. Fortunately, she knew what was in her policy and what she had to send her insurance company.

“The claims process has been pretty smooth,” she says.

Shirley Kroot, a retired teacher from Huntley, Ill., says she’s learned to hold on to every piece of paper, particularly when she’s seeking medical attention.

“This would be the procedure for minor medical expenses, such as having a cold in a foreign country and going to a walk-in clinic or needing to go to the medical office due to a fractured clavicle on a ship,” she says. “I experienced both, the first in Perth, Australia, and the second on a cruise ship in Norway.”

Kroot says she buys all of her policies through Travelex Travel Insurance. “We have never had a problem with claims,” she says.

Choose the right policy for you to avoid a travel insurance claim mistake

I second that. I have an annual travel insurance policy through Allianz and have found that the claims process is dead simple and payment is lightning fast. My last claim, for a doctor’s visit on Hawaii’s Big Island, was processed within 24 hours — now that’s quick!

Even better: Having a third party like G1G or Squaremouth that can advocate for you if something goes sideways with your claim. I also have some claim advice on my consumer advocacy site, just in case your claim falls through the cracks.

Bottom line — chances are you’ll buy travel insurance this year. And if you have to file a claim, you can avoid a rejection by reading your policy, ensuring your paperwork is in order and filing on time.

Source: Forbes

Christopher Elliott is the founder of Elliott Advocacy, a 501(c)(3) nonprofit organization that empowers consumers to solve their problems and helps those who can’t.

I’m a consumer advocate. I write about customer service.

 

Russian police recover painting stolen in broad daylight

By Nataliya Vasilyeva

THE ASSOCIATED PRESS

MOSCOW _ Russian police on Monday found the painting that was stolen a day earlier from Moscow’s famed museum of Russian art in broad daylight before unsuspecting visitors.

The painting of mountain ridges by Arkhip Kuindzhi, titled  “Ai-Petri. Crimea,” was stolen in front of confused visitors on Sunday evening at the Tretyakov Gallery in one of the most brazen Russian art heist in recent memory.

CCTV footage released by the police shows a young man calmly walking up to the painting, stopping to take a look and then taking it off the wall with other visitors looking on. He then crosses the hall and walks away.

The Interior Ministry said Monday that they have detained a 31-year-old suspect in the theft and recovered the painting, which had been hidden at a construction side outside Moscow. Police said the man was detained last December for drug possession and has been on bail since.

The man said in the video of interrogation posted online by the police that he “did not commit any crimes” and that he could not remember where he was on Sunday.

The painting had an insurance estimate of $185,000 but some other works by Kuindzhi have fetched more that $3 million at auctions.

The theft raised questions about security at the Tretyakov Gallery, one of Russia’s most renowned museums.

The Tretyakov was hit by another brazen crime last May when a man attacked a famous 19th-century painting with a metal stanchion. The man reportedly damaged the painting, which depicts Russia’s first czar cradling his dying son after striking him in a fit of rage, because he thought it to be historically inaccurate.

Russia’s Culture Minister said after Kuindzhi’s painting was recovered that it would push for all temporarily exhibitions at state-owned museums to be equipped with motion detectors.

Investigators have yet to establish whether the man had an accomplice or not.

Zurich Canada launches new Zurich Travel Insurance for Canadians travelling abroad

Zurich Canada launches new Zurich Travel Insurance for Canadians travelling abroad

New travel protection includes medical coverage to help close the coverage gap due to Canadians’ healthcare not transferring when out of the country

As the number of Canadians travelling overseas and to the United States increases1, Zurich Insurance, a top three provider of travel insurance internationally, today announced the launch of Zurich Travel Insurance, a new travel protection proposition for Canadians travelling abroad. Coverages are available for emergency medical and dental care, trip cancellation and interruption, baggage loss and damage, flight and travel accident, and 24/7 travel assistance services.

“Our commitment to the travel sector has grown along with the rise in international travel for Canadians,” said Saad Mered, CEO of Zurich Canada. “We are excited to bring new capabilities to Zurich Canada, strengthening our core offerings to help meet the growing demand for convenient, customized and compliant travel protection plans.”

Zurich Canada’s new proposition will be offered through distributors to the travel industry, such as airlines, hotel chains, online travel agents and cruise lines, in both Canada and the United States.  Those distributors will integrate Zurich’soffering to enhance the experience of Canadian travellers.

According to 25-year veteran of the travel insurance industry and Zurich Canada’s Vice President of Travel, Accident & Sickness John Thain, “Canadians’ health insurance does not follow them across the border, so they need travel protection plans with medical coverage they can count on.  Our new proposition was designed to help travellers close this coverage gap.”

In addition to the medical, trip cancelation, and baggage coverages, the new proposition includes access to Zurich Travel Assist, a 24/7 travel assistance service administered by Toronto-based Zurich subsidiary World Travel Protection. For more than 25 years, World Travel Protection has provided medical, travel and security assistance services, complete with a mobile app, to over 3.8 million travellers.

In CanadaZurich Canada is underwritten by Zurich Insurance Company Ltd (Canadian Branch) and is part of Zurich Insurance Group, a Switzerland-based global insurance provider with subsidiaries licensed to provide travel protection in multiple geographies around the world. In 2017, Zurich acquired Cover-More Group Limited, a specialist global travel insurance and medical assistance provider based in Australia. Other Zurich travel subsidiaries include U.S.-based Travelex, and Latin American brands Travel Ace and Universal Assistance.

To learn more about Zurich Canada travel solutions, go to https://www.zurichcanada.com/en-ca/industries/travel.

About Zurich North America
For more information about Zurich, go to https://www.zurichna.com/zna/services/about-zurich

1 Statistics CanadaYear-end review, 2017. The number of Canadians travelling overseas has increased every year since 2013 with travellers taking a record-setting 12.8 million trips in 2017. In addition, following three years of decline, the number of same-day and overnight trips to the United States by Canadian residents rose 2.7% in 2017 to 42.1 million.

SOURCE Zurich North America

https://www.zurichna.com/en

This Busy Holiday Travel Season, Air Canada Offers Up Tips To Make Your Journey A Smoother One

Follow these six steps to make your travel experience less stressful

MONTREALDec. 5, 2018 /CNW Telbec/ – The busy holiday travel season is around the corner with a peak expected between December 19, 2018 and January 5, 2019. To make your travel experience as smooth as possible, Air Canada recommends these six essential travel tips.

1. Save time. Check-in 24 hours in advance.

Check-in online at aircanada.com, mobile.aircanada.ca or via the Air Canada app (be sure to download the app for iOS or Android). You can also select/change your seat, select the number of checked baggage and pay any baggage fees in advance.

Be sure to provide your contact information (email or mobile number) when checking-in (mobile‎/kiosk/web) so that we can contact you in case of travel disruptions.  If you’ve booked with a travel agent, please ensure they’ve included your contact information on your booking.

  • Travelling with kids under six? We’re here to help.
    • Look for Family Check-in signage at select airports (TorontoMontreal and Vancouver);
    • Kids under age 6 and their family board early, before general boarding. This means extra time to store belongings and settle in;
    • Once you have booked your tickets, contact us and we will assign seats for you and your kids under the age of 12 that are close together.

For added fun, you can register your child for Air Canada’s Skyriders (skyriders.aircanada.com) program to help them track their travels. Each child gets a Skyriders starter kit that consists of a friendly introduction letter, a sturdy luggage tag and a logbook to keep a record of each one of their flights.

More information on travelling with kids is available at aircanada.com/familytraveltips

2. Is your flight on time? Confirm online 24/7 at aircanada.com/flightnotification or via the Air Canada app.

You can stay informed of flight status for all Air Canada, Air Canada Rouge and Air Canada Express flights by signing up for Flight Notifications or calling the toll-free Air Canada flight status line at 1-888-422-7533; TTY (Hearing Impaired): 1-800-361-8071.

We also post a Daily Travel Outlook that lists possible flight disruptions due to forecasted weather or other events and provides a link to a self-service rebooking tool.

3. Arrive early. Here’s when: aircanada.com/deadlines.

Arrive early at the airport to be at the gate on time and avoid congestion that may occur during peak periods. If you are travelling to the US, please arrive 3 hours prior to departure to clear customs as well.

4. Review baggage rules. Here’s what to carry-on and check-in.

Check size and weight allowances when packing at aircanada.com/carryon as carry-on baggage will be screened and tagged. Information on checked baggage allowance is available at: www.aircanada.com/checked.

Consider bringing a bag that will fit under the seat in front of you as space in the overhead bins is limited. We also strongly recommend checking any bags that do not fit into our sizers to make the boarding process more efficient and prevent delays.

Bring all valuables including electronics, documentation, medication, car keys, money and jewelry in carry-on bags and not in checked bags.

Bag Tags – Place identification INSIDE bags as well as on the outside, as external baggage name tags sometimes become detached.

Gifts – when travelling with gifts in your carry-on, remember to keep them unwrapped to facilitate security inspection.

5. Check your documentation. Avoid unnecessary surprises before your vacation takes off. Ensure that all your travel documents are valid at: aircanada.com/traveldocumentation.

Travel within Canada

  • Customers must present a valid government-issued photo identification that includes date of birth and gender for all passengers 18 years of age and older.

Travel from Canada to an international destination

  • A valid passport, signed, with an expiration that meets the requirement of the destination country in required. Some countries require passports to be valid for at least 6 months or more before allowing a traveler to enter the country.
  • Visas may be needed to enter the country of destination and/or when connecting via certain countries. Check IATA Travel Centre search tool for country-specific passport, visa and health entry requirements. When using a third-party website or travel agent, take the extra step of verifying the requirements of your destination country.

Travel to Canada from an international destination

Canadian citizens

  • A Canadian passport for travel to Canada.
  • Dual nationals may no longer use a non-Canadian passport to arrive in Canada.

Friends and family from outside Canada

  • A reminder to visiting friends and family from outside Canada that the Government of Canada requires an Electronic Travel Authorization (eTA) that must be obtained prior to travel. More information is here: aircanada.com/eta.

Parents travelling with children

  • If passports are required, all children must have their own passport.  Remember that parents/legal guardians MUST NOT sign their child’s Canadian passport, as doing so invalidates it.
  • Visit IATA Travel Centre and Travel and Tourism Canada or contact the embassy high commission or consulate of all countries you and your child will be visiting to confirm all entry and exit document requirements.

6. Seamless travel to US. Here’s how.

Travelling to the USA

  • Air Canada customers flying to the US (from or via Canada) will clear US Customs at Canadian airports before their flight.  Our operations at all three primary Canadian hubs, Toronto (YYZ), Montreal (YUL) and Vancouver (YVR) are all under one roof with no terminal transfers, meaning connections are easy, comfortable and seamless.

Travelling from the USA

  • For our customers travelling from the U.S. through our hubs and onwards to any international destination, the seamless connection process and quick passport check means passengers don’t have to wait in customs lines, pick up bags or transfer terminals. Simply walk to the next departure gate.

For more information on connections, go here.

What else to know:

The United States Transportation Security Administration (TSA) security checkpoint lines can be longer during busy periods. The TSA recommends arriving at the airport two hours before departure if your flight is in the early morning or evening, when wait times for screening can be up to one hour. Members of Known Traveler Programs, such as Nexus or Global Entry, may experience normal wait times. Learn more here.

The United States requires that travellers provide additional Secure Flight information at least 72 hours before their flight or at time of booking. Please note that this requirement applies to many international flights which are deemed to over-fly the US. For more information, please consult aircanada.com/secureflight.

Eligible Air Canada customers enjoy the benefits of the U.S. Transportation Security Administration’s TSA Pre✓ program which provides accelerated security screening at most U.S. departure airports by allowing customers to keep shoes, belts and light outerwear on, and laptops and liquids in carry-on baggage. Learn more about TSA Pre✓ and how it applies to Air Canada flights.

About Air Canada

Air Canada is Canada’s largest domestic and international airline serving more than 200 airports on six continents. Canada’s flag carrier is among the 20 largest airlines in the world and in 2017 served more than 48 million customers. Air Canada provides scheduled passenger service directly to 63 airports in Canada, 56 in the United States and 98 in Europe, the Middle EastAfricaAsiaAustralia, the CaribbeanMexicoCentral America and South America. Air Canada is a founding member of Star Alliance, the world’s most comprehensive air transportation network serving 1,317 airports in 193 countries. Air Canada is the only international network carrier in North America to receive a Four-Star ranking according to independent U.K. research firm Skytrax, which also named Air Canada the 2018 Best Airline in North America. For more information, please visit: aircanada.com/media, follow @AirCanada on Twitter and join Air Canada on Facebook.

SOURCE Air Canada

Subscribe To Our Newsletter

Join our mailing list to receive the latest news and updates from ILSTV

You have Successfully Subscribed!

Pin It on Pinterest