By WorldTrips Travel Insurance

If you’ve noticed that the best travel deals often come with a catch—a strict “no refund” policy—you’re not imagining it. The travel industry is undergoing a significant pricing shift, and it’s changing what it means to book a trip. Understanding what’s driving this trend can help you and your clients make smarter, more protected decisions. 

Why Are So Many Deals Now Non-Refundable? 

Airlines, hotels, and travel suppliers are increasingly using AI-driven “dynamic pricing” systems that adjust rates in real time based on demand, availability, and other factors. One of the clearest outcomes of this shift: the lowest prices are increasingly tied to non-refundable terms. 

Hotels, for example, offer non-refundable rates at discounts typically ranging from 5% to 15% compared to flexible options.¹ With travel costs remaining high, those savings are hard to pass up. But they come with real risk if plans change. 

Roughly 22% to 25% of hotel bookings today are non-refundable,¹ and that share is growing. Suppliers favor these bookings because they provide guaranteed revenue and reduce last-minute cancellations—which have exceeded 20% in some travel segments.² The result is a market where the most attractive prices come with the least flexibility. 

What This Means If You’re Booking a Tour or Package Trip 

Guided tours and travel packages are particularly affected. Tour operators build their packages using flights, hotels, and ground services and to offer competitive pricing, many of those components are now booked as non-refundable inventory. That means when you or your client cancels or changes a trip, the financial consequences can be significant. 

In group travel, the stakes are even higher. A few cancellations across a group can create serious losses when the underlying costs can’t be recovered. This isn’t a hypothetical, it’s the reality of how travel is being sold today. 

As a traveler, here’s what you should keep in mind: 

• The competitive price you’re seeing may be locked in, non-refundable in full or in part. 

• Cancellation policies have become stricter across the board, not just for budget options. 

• Flexibility now often comes at a premium and sometimes isn’t available at all. 

A Note for Travel Agents: This Is a Client Conversation Worth Having 

As a travel agent, you’re likely already navigating this shift firsthand. The packages and rates you book on behalf of clients increasingly involve non-refundable components, even when that isn’t always obvious upfront. Setting clear expectations early, and building protection into the booking process, is one of the best ways to preserve trust and avoid difficult conversations after the fact. 

Proactively discussing cancellation terms and travel insurance at the time of booking isn’t just good service. In today’s market, it’s essential client care. 

Travel Insurance: No Longer Optional 

As more trips are built on non-refundable components, travel insurance has shifted from a nice-to-have to a genuine necessity. Julie Biedenharn, VP of Sales at WorldTrips, explains: 

“Tour operators are carrying more financial exposure than ever before. When key components of a trip are non-refundable, even a small number of cancellations can have a meaningful impact on the business. Building travel insurance into the booking process is one of the most effective ways operators can protect both their clients and their own bottom line.” 

The numbers back this up. Squaremouth reports that travel insurance claims have risen 18% year-over-year, with payouts up 37%,³ largely driven by cancellations and trip interruptions involving prepaid, non-refundable expenses. That growth reflects how many travelers are experiencing the real financial impact of today’s stricter booking terms. 

Travel insurance can help by: 

• Reimbursing non-refundable costs if a trip is cancelled for a covered reason 

• Covering trip interruptions and unexpected changes mid-travel 

• Providing emergency medical coverage abroad, where personal health insurance may not apply 

• Giving travelers the confidence to commit to a trip knowing they have coverage 

Book Smart: Questions to Ask Before You Commit 

Whether you’re a traveler booking directly or an agent advising clients, these are the right questions to ask before finalizing any trip with non-refundable components: 

• Which parts of this trip are non-refundable, and what are the exact terms? 

• What happens financially if I need to cancel or change dates? 

• Is travel insurance included, or should I purchase a policy? 

• Does the insurance cover the full cost of my trip, including all pre-paid components? 

Travel Confidently in a Non-Refundable World 

The travel industry is more efficient than ever but also less forgiving when things don’t go as planned. The best prices today often come with the strictest terms, and that’s unlikely to change. For travelers and travel agents alike, the answer isn’t to avoid great deals. It’s to book them with the right protection in place. 

WorldTrips offers travel insurance solutions designed for today’s market, helping travelers protect their investment and giving agents a trusted tool to help clients with peace of mind. 

About WorldTrips Travel Insurance

WorldTrips is a leading provider of travel insurance solutions, delivering flexible, customer-focused coverage and assistance services to individuals, families, students, and organizations worldwide. Headquartered in Carmel, Indiana, the company is known for flexible product design, customer-first service, and the financial strength that comes with being part of one of the world’s most respected insurance groups, Tokio Marine Group.

Sources 

¹ Prostay. (2025). 2025 hotel guide: Non-refundable rates. https://www.prostay.com/blog/2025-hotel-guide-non-refundable-rates/ 

² SiteMinder, Hotel Booking Trends Report, accessed 2026, https://www.siteminder.com/hotel-booking-trends/ 

³ Squaremouth. (2024). Rising travel costs led to a big shift in travel insurance payouts in 2024. https://www.squaremouth.com/press-room/rising-travel-costs-led-to-a-big-shift-in-travel-insurance-payouts-in-2024/ 

The post Dynamic Pricing and the Rise of Non-Refundable Trips  appeared first on USTOA Blog.

By: Deanna Caffrey

Traveling to remote or less-traveled destinations can be an exhilarating adventure. These locations often offer untouched natural beauty, unique cultural experiences, and a sense of discovery that popular tourist spots can’t match. However, venturing off the beaten path comes with its own set of challenges and requires careful preparation to ensure a safe and enjoyable trip. Here are some practical tips to help you stay prepared and protected while exploring these hidden gems. 

Research Local Customs and Laws 

Understanding local customs and laws is crucial when traveling to remote areas. In many cases, these regions have unique cultural practices and legal systems that differ significantly from what you may be accustomed to. Before you go, take the time to learn about the local etiquette, traditions, and legal requirements. This will not only help you avoid unintentional offenses but also enhance your overall travel experience. 

For example, in some rural communities, certain dress codes or behaviors might be expected. Respecting these customs shows your appreciation for the local culture and can foster positive interactions with the residents. Additionally, knowing the local laws, such as regulations on photography or wildlife interaction, can prevent legal troubles during your trip. 

Pack Essential Supplies 

When traveling to remote destinations, access to basic amenities and supplies may be limited. Therefore, packing the right essentials is paramount. Here’s a list of items you should consider bringing: 

1. First Aid Kit: Include bandages, antiseptics, pain relievers, and any prescription medications you may need. In areas with limited medical facilities, having a well-stocked first aid kit can be a lifesaver. 

2. Water Purification: Whether it’s purification tablets, a portable filter, or a UV purifier, having a reliable way to ensure safe drinking water is crucial. 

3. Multi-Tool: A good multi-tool can be incredibly useful for a variety of tasks, from fixing gear to preparing food. 

4. Navigation Tools: Maps, a compass, and a GPS device can help you navigate unfamiliar terrain. Don’t rely solely on your smartphone, as remote areas may lack cellular service. 

5. Weather-Appropriate Clothing: Pack clothing that suits the climate of your destination. Layering is key for variable conditions, and don’t forget rain gear and sturdy footwear. 

Stay Connected and Informed 

Staying connected while traveling in remote areas can be challenging, but it’s essential for your safety. Consider carrying a satellite phone or a personal locator beacon (PLB). These devices can send emergency signals and provide GPS coordinates to rescue services if you find yourself in trouble. 

Additionally, inform someone you trust about your travel plans, including your itinerary and expected return date. Regular check-ins can provide peace of mind for both you and your loved ones. 

Enroll in Travel Assistance Programs 

Travel assistance programs can offer invaluable support when traveling to remote destinations. Redpoint Travel Protection is a highly recommended option that provides services such as emergency medical evacuation, travel insurance, and access to travel advisories. Enrolling in a program like Redpoint can give you added peace of mind, knowing that you have a safety net in case of unforeseen circumstances. 

Redpoint Travel Protection offers comprehensive coverage for remote areas, including medical and evacuation services. They also provide 24/7 assistance hotlines, which can be incredibly helpful for getting immediate advice and support. Before purchasing a plan, ensure it meets your specific travel needs and covers the regions you plan to visit. 

Embrace Flexibility and Patience 

Traveling off the beaten path often requires a flexible and patient mindset. Infrastructure in remote areas can be unpredictable, and plans may need to change on short notice due to weather conditions, transportation issues, or other unexpected events. Embrace the journey as part of the adventure and be prepared to adapt to new situations as they arise. 

Conclusion 

Exploring remote and less-traveled destinations can be one of the most rewarding travel experiences. By taking the time to research, pack wisely, stay connected, and enroll in travel assistance programs like Redpoint Travel Protection, you can ensure that you are well-prepared and protected. Embrace the unique challenges and opportunities that come with traveling off the beaten path, and you’ll create memories that will last a lifetime. 

Safe travels! 

About Redpoint

Redpoint Travel Protection is a one-of-a-kind protection provider. It provides an extensive suite of travel insurance products and emergency services for individuals and groups of all sizes. Backed by a seasoned team of experts, Redpoint offers unparalleled peace of mind to adventurers across the globe. With services such as trip cancellation, interruption, inconvenience, delay, and baggage loss insurance, to emergency medical and evacuation services, Redpoint ensures your safety and satisfaction are top priorities. Our services are tailored to meet the diverse needs of travelers, whether it’s an international family vacation, a solo adventure, or a corporate trip. Leveraging innovative technology and a responsive, 24/7 customer support, Redpoint effectively addresses contingencies, enabling clients to explore with confidence. Choose Redpoint Travel Protection, your reliable partner in ensuring safe, secure, and worry-free journeys. 

The post <strong>Traveling Off the Beaten Path: How to Stay Prepared and Protected</strong>  appeared first on USTOA Blog.

By Kathleen A. De Riso, VP, Travel Services, Crum & Forster  

Sand surfing in the Sahara. Sleeping under the northern lights. Rock climbing in Yosemite. Today’s travelers seek one-of-a-kind experiences as they explore the world. Thanks to millennials and Gen Z, adventure tourism is surging in popularity, with the global market growing 20 percent year over year.¹ 

While thrill-seeking cliff dives or bungee jumps may be the first things that come to mind, today’s adventure travel is much more diverse. If you’re looking for highly personalized, memory-making travel experiences that include physical activities, immersion in another culture, or spending time in nature, you’re an adventure traveler!  

Before you strap on your backpack and head out on a trip of a lifetime, follow this preparation checklist to help ensure a smooth and fun-filled journey.  

1) Chart your course.  

Planning is key. Start by thinking about your goals for the trip, the types of activities you want to engage in, and your all-in budget. Then, do a little legwork to identify destinations, adventure tour options, and costs. Don’t forget to factor in seasonal conditions, cultural norms, and any training or special gear you may need. 

Pro tip: Partnering with a tour operator specializing in adventure travel makes planning easier. Tour operators have the expertise and insider knowledge to help you map out an itinerary that achieves your adventure goals and identifies activities you haven’t imagined.  

2) Prep your paperwork.  

With your destination determined, it’s time to get your documentation in order.  

• Is your passport valid for the date and duration of your trip? 
• Do you need a visa? 
• Are there any health-related requirements? 
• Will you need any permits for activities like hiking in national parks or diving in marine reserves?  

Pro tip: Schedule any required vaccinations with enough time to be effective and allow recuperation time for mild side effects. For example, if your travel plans include a safari, several African countries require a yellow fever vaccine. If you’ve had one, you’re set for life. If you haven’t, schedule your shot at least ten days before traveling. 

3) Put protection in place for peace of mind. 

No matter how thorough your planning is, unexpected events are part of traveling. Travel insurance provides a valuable safeguard and is especially important for adventure travelers. Look for a Travel Protection Plan that protects you in case of trip delays, interruptions, and even cancellations for any reason.  

Along with coverage that may protect your financial investment, look for travel insurance that helps cover medical expenses if you become injured or ill, including emergency medical evacuation. Your U.S.-based health coverage may not be accepted internationally, and in some cases, proof of insurance may be required before engaging in certain activities or traveling to certain countries. Your travel insurance carrier or their assistance company may be able to provide this information, travel advisories, and more. 

Pro tip: Review the details to make sure your travel insurance aligns with the specific adventure activities on your itinerary. You may need to make coverage adjustments if you will be trekking above certain elevations or scuba diving deeper than the average traveler.  

4) Pack with care.  

The general rule for adventure travel is to pack light and small.  

• Make a list of essential items, including activity-appropriate clothing, footwear, personal care items, and electronics.  
• Consider the specialized gear you may need, such as camping equipment, navigation tools, safety helmets, and first-aid supplies.  
• Explore whether you’re able to rent equipment like hiking poles, tents, or scuba gear onsite.  
• Don’t forget practical items, such as sunscreen, a flashlight, charged power banks, and a water bottle. 

Pro tip: Break in your gear – especially those new hiking boots – before you travel. Not only will you avoid blisters, but you’ll also be more comfortable using your equipment. 

5) Embrace the unfamiliar.  

With preparations made, dive into your adventure with confidence and make the most of opportunities to try new things, test your limits, and create lasting memories.  

Your adventure awaits. Where will you journey next? 

¹ Adventure Tourism Market: Opportunities and Forecast 2023-2032, Allied Market Research, October 2023.  

About the Author

Kathleen A. De Riso is the Vice President of Travel Services at C&F where she enjoys creating custom travel insurance offerings to meet the unique needs of their clients. With a career spanning several decades in Travel, Kathleen has held prominent leadership roles in Underwriting, Operations, Account Management and Claims. Her experience has provided her with a holistic understanding of trip insurance —and what makes it function seamlessly for tour operators, TPAs, and travelers alike. 

About Crum & Forster
Crum & Forster, rated “A” Excellent by A M Best (2023), is a national commercial property and casualty group of insurance companies. Since 2000, Crum & Forster’s Accident & Health Division has offered a diverse portfolio of specialty insurance and reinsurance products nationwide. We place a strong focus on product development and creative distribution methods, along with excellent client service and support. In addition, our ability to provide international Accident & Health solutions through our innovative captive structure as well as through various partnerships with affiliated entities demonstrates our dedication to providing alternative strategies in an ever-changing insurance market. Follow us on LinkedIn, X and Instagram. 

The C&F logo, C&F and Crum & Forster are registered trademarks of United States Fire Insurance Company. 

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The post <strong>Adventure Travel Awaits: 5 Steps to Prepare Like a Pro</strong>  appeared first on USTOA Blog.

Navigating the Unpredictable: Unpacking the Most Common Travel Insurance Claims and How to Handle Them 

By: Redpoint Travel Protection

Travel is, by nature, an unpredictable endeavor. We plot our journeys with meticulous detail, but life has a way of inserting unexpected plot twists. It’s these unforeseen curveballs that make travel insurance such a vital companion on our explorations. From medical emergencies to misplaced luggage, travel insurance is your lifeline when things veer off the itinerary. In this post, we’ll take a deep dive into the most common travel insurance claims and provide clear guidelines on what to do should you find yourself facing these predicaments. 

Medical Emergencies 

By far, the most common and often most significant travel insurance claim is for medical emergencies. A sudden illness or injury during your trip can not only ruin your plans but also cause a severe financial strain. If you find yourself in this unfortunate scenario, it’s crucial first to seek immediate medical attention. Afterwards, get in touch with your travel insurance provider as soon as possible, ensuring you have all your medical documents at hand to file your claim effectively. 

Trip Cancellation or Interruption 

The second most common claim revolves around trip cancellations or interruptions. Unforeseen events like illness, personal emergencies, or even global crises can throw a wrench in the best-laid travel plans. In such cases, you should inform your insurance provider immediately. You’ll need to provide substantial evidence for the reason behind the interruption or cancellation, such as a doctor’s note for medical emergencies or documented proof of a significant event. 

Lost, Damaged, or Stolen Luggage 

There’s little as frustrating as arriving at your destination only to discover your luggage took an entirely different trip. Loss of personal belongings can cast a shadow over any trip, but that’s where travel insurance swoops in to save the day. In the event of lost, damaged, or stolen luggage, make sure to report the incident to the relevant authorities or airline and obtain a written report. Contact your insurance provider promptly with these details to start your claim process. 

Travel Delays

In the realm of travel, delays are virtually a given. Whether it’s a missed connection due to a late inbound flight or a cancellation due to adverse weather conditions, travel delays can disrupt your plans significantly. With travel insurance, you can claim costs incurred as a result of these unexpected delays. Always keep all documents and receipts related to your delay as your insurance provider will require them when you file a claim. 

Now that we’ve covered the most common claims, let’s delve into some key steps on how to make an insurance claim: 

Step 1: Contact Your Insurance Provider 

The first step after any mishap is to contact your insurance provider. Most insurers have 24/7 hotlines for such emergencies. They’ll guide you on how to proceed, what documents you need, and how to submit your claim. 

Step 2: Document Everything 

Insurance claims thrive on evidence. Therefore, it’s crucial to document everything related to your claim. For medical emergencies, keep a record of all medical reports, prescriptions, and invoices. For lost luggage or travel delays, maintain all related receipts and correspondence with airlines or authorities. 

Step 3: Submit Your Claim Promptly 

It’s essential to file your claim as soon as you can to avoid missing out on your coverage due to time restrictions. 

The realm of travel insurance can be a maze of complexities. Still, by understanding the most common claims and knowing how to navigate the claim process, you can ensure you’re prepared for any surprises your travels may throw at you. Remember, the purpose of travel insurance is to be your safety net in unfamiliar territory. It’s there to support you when unforeseen circumstances threaten to disrupt your journey, bringing you peace of mind and financial protection when you need it most. 

Once you’ve submitted your claim, ensure you follow up if necessary. Keep track of your claim’s status and be proactive in providing any additional information that your insurer might need. 

In closing, while we all hope to avoid the need for making travel insurance claims, the reality is that unexpected incidents do occur. By understanding the most common types of claims and how to handle them, you can take control of such situations, ensuring that your journey doesn’t end on a sour note. 

With the right approach and proactive handling of the claim process, you can turn what might initially feel like a nightmare into a minor bump on your travel road. So, the next time you’re preparing for a trip, give your travel insurance policy the attention it deserves. Understand what it covers and the process of making a claim. That way, if life does throw a curveball your way, you’ll be ready to hit it out of the park. 

Remember, travel is as much about the journey as it is about the destination, and a comprehensive travel insurance policy ensures that no matter what comes your way, your adventure can go on. 

About Redpoint Travel Protection

Redpoint Travel Protection is a one-of-a-kind protection provider. It provides an extensive suite of travel insurance products and emergency services for individuals and groups of all sizes. Backed by a seasoned team of experts, Redpoint offers unparalleled peace of mind to adventurers across the globe. With services such as trip cancellation, interruption, delay, and baggage loss insurance, to emergency medical and evacuation services, Redpoint ensures your safety and satisfaction are top priorities. Our services are tailored to meet the diverse needs of travelers, whether it’s an international family vacation, a solo adventure, or a corporate trip. Leveraging innovative technology and a responsive, 24/7 customer support, Redpoint effectively addresses contingencies, enabling clients to explore with confidence. Choose Redpoint Travel Protection, your reliable partner in ensuring safe, secure, and worry-free journeys. 

The post Navigating the Unpredictable: Unpacking the Most Common Travel Insurance Claims and How to Handle Them  appeared first on USTOA Blog.

Booking a vacation is exciting. You are most likely concerned with picking the right destination and packing your suitcase, but are you also concerned with purchasing travel insurance? Many travelers think that insurance is only necessary for oversees vacations or expensive travel, but travel insurance can be a valuable investment for all vacations.  

No one purchases a vacation with the intention to cancel, but sometimes the unexpected event happens. Travel insurance programs provide valuable protection against these incidents. One of the most popular benefits of purchasing travel insurance is the Trip Cancellation benefit. For example, if you experience an unforeseen sickness or injury before travelling you could be covered. This coverage can provide reimbursement for unused, non-refundable pre-paid travel arrangement if you cancel for a listed covered reason. 

Comprehensive travel protection plans also provide coverage in the event a traveler incurs medical expenses while traveling. Many travelers are unsure whether their health-care plan will cover medical expenses while traveling.  Purchasing medical expense coverage for a specific trip ensures you receive quality care while on your vacation. Many comprehensive travel insurance products also include a medical evacuation component. This coverage can provide transportation services if you or your family member needs hospitalization. Redpoint Travel Protection will arrange and pay for all evacuation services to occur with no out-of-pocket cost for the traveler. 

Air travel can also be unpredictable with the potential for a flight delay, missed connection, or lost luggage. Travel insurance provides added assurance that reasonable expenses you incur due to these types of mishaps could be reimbursed. Make sure to keep all receipts and file a claim when you return home.  

Okay, so you have decided to purchase travel insurance, when is the best time to buy? As soon as you purchase your trip! Many travel insurance programs include early purchase benefits. If you have a pre-existing medical condition, purchasing within a specified time frame can waive those conditions. If you forget to purchase coverage within the early purchase window, you are likely still eligible for coverage. Purchasing travel insurance before departure can let you rest assured knowing you are covered in the event you need to cancel your trip for a covered reason.  

Make sure you do your research before purchasing. Policies may vary and it is imperative that you examine the key benefits to confirm the policy meets your travel needs. Travelers should also always review the policy’s listed coverage as well as the limitations and exclusions.  Understanding your travel insurance policy will ensure that you are not disappointed in the event you must file a claim  

The information presented in this article is a brief description of travel insurance coverage and is for information use only. Please read your specific policy carefully to fully understand the coverage, terms, conditions, limitations, and exclusions.  

About Redpoint 

Redpoint  Travel Protection provides travelers with the industry’s best, most comprehensive and flexible array of insurances and services that include trip cancellation/ interruption, property loss, medical and travel assistance, and evacuation. Redpoint Travel Protection’s suite of products ensures the right plan is available for all travel. To ensure the best possible partner experience, Redpoint uniquely owns and provides all key aspects of its offerings: travel assistance, evacuation, claims management and payment, and insurance underwriting.  This means Redpoint can create customized programs for our partners and actively collaborate to provide the best customer experience in the industry. 

The post Why Purchase Travel Insurance: The importance of protecting your next trip appeared first on USTOA Blog.

By: Sharon L. Broo, CTA, P&C and L&H Licensed, Vice President, USI Travel Insurance Services 

It’s 2022 and travel looks a lot different than it did in 2019. As people feel the comfort offered by vaccines and reduced Covid spread, the travel bug is taking root and offering joy, inspiration and adventure as people embark on trip planning once again. In our new post-Covid world, travelers are more aware of the need to protect their trip with a travel insurance plan. But with so many options on the market today, it’s hard to know what coverage you need, and which plan is best for you. Below are five considerations to keep in mind as you shop and compare travel insurance plans. 

1. Does your destination have insurance requirements for entry? 

Many destinations have added new travel insurance requirements because of the pandemic, including minimum coverage for Trip Delay (in case of mandatory quarantine) and Emergency Medical. Research your destination and make sure you have appropriate insurance coverage to enter the country. 

2. Does the plan cover Covid-19-related disruptions? 

You’ll want to ensure that your plan covers many of the common Covid-19 related trip disruptions. For example, would you have Trip Cancellation coverage in the event that you test positive for Covid-19 before your trip and cannot travel? If you are diagnosed while on your trip and require treatment, will the plan cover your expenses? If you test positive just prior to your return to the U.S. and must quarantine, will your plan cover expenses such as additional lodging and meals? In general, keep in mind that no travel insurance covers cancellation because of fear of travel or closed borders. Additionally, travel insurance generally will not cover the costs of Covid testing required for travel, unless the test is ordered by a physician. 

3. Are there any pandemic exclusions? 

Some plans exclude any coverage related to a pandemic. If this is the case, the plan may be more limited in scope than a plan without this exclusion. Every insurance plan has a section listing plan exclusions. Be sure to read that section (and the whole plan) carefully. 

4. Do you have any special activities or equipment that need to be covered? 

Perhaps you’re going on a golf or ski vacation. Does your plan have adequate coverage for your expensive equipment? If you will be renting a car, seek out a plan that includes some rental car coverage. If you plan to scuba dive, ensure that activity will be covered by your plan. 

5. Is Cancel For Any Reason (CFAR) coverage available? 

Now more than ever, travelers are seeking the flexibility and peace of mind offered by Cancel For Any Reason (CFAR) upgrades. If you’d like to have this option, make sure your plan offers it and that you fall within the eligibility criteria. Most plans require you to buy your plan within 14-21 days of your initial trip deposit to be eligible for the CFAR upgrade, so act early. Expect to pay about 50% more in premium for this upgrade. If you do cancel your trip, you’ll receive anywhere from 50-75% of your non-refundable trip costs, depending on your plan. Other conditions may apply for CFAR – read your plan carefully to understand the benefit. Due to state regulations, CFAR is not available to residents of New York state. 

If you’re still unsure which plan is best for you, contact some travel insurance providers for assistance. And before you buy your plan, we recommend that you always read through the plan document to fully understand the coverage included, plus any terms, conditions and exclusions. Once you have an appropriate travel insurance plan in place, you’ll be able to enjoy your next trip to its fullest! 

About the author: As Vice President of Travel Insurance Services, Sharon Broo is responsible for the national execution of strategies and formation of business relationships promoting travel insurance sales and company growth in the tour operator, cruise line and travel agency marketplace. Sharon has a strong professional history with more than 25 years of building and working for first class selling organizations in the global travel insurance and travel assistance arena. Sharon has always been involved in professional associations related to her career such as ASTA, USTOA, USTIA and WIFS. She holds a certification of CTA (Certified Travel Advisor) from ICTA. In addition, she holds her Life & Health and Property & Casualty licenses in the State of Georgia. 

Established in 1973, Travel Insurance Services (TIS) is a national insurance agency/brokerage providing travel-related insurance solutions for individuals, groups, organizations and businesses worldwide. TIS is located in Newtown Square, PA. 

The post 5 Things to Consider When Shopping for a Travel Insurance Plan appeared first on USTOA Blog.

By YMT Vacations

Prepping for your travels is exciting. You’ve gotten your itinerary squared away and your packing list is growing longer and longer. But before the adventures can begin, you should make sure your house is vacation-ready. You’ll need a pre-vacation checklist to help keep your home safe and clean while you’re away.

Home Preparation Checklist For Leaving On Vacation

Don’t let the excitement of your upcoming trip distract from the tasks needed to prepare your home before departure. Before jetting off to gorgeous parts of the world, be sure to consider the following tips so that you return to a clean house and optimal sanity. 

Clean Your House & Fridge

The last thing you want when you return from a beautiful vacation is to enter a messy house. Before you jet off, make sure you thoroughly clean your home. Cleaning your house before a vacation ensures you will have less work to do once you return from your trip. Dust surfaces, vacuum the floors, wipe the counters, take out the trash, and put away the laundry.

Throw out any fruits sitting on the counter and clean out your refrigerator. If you still have a few days before your trip, save money and cook up food that could go bad while you’re gone. Toss whatever you don’t use or place it in the freezer. Once you’re done cleaning the house, be sure to take out all trash so you can return to a fresh-smelling home.

Practice Fire Prevention

Before you head out, do a thorough scan of anything that could cause a fire. Unplug electronics that won’t need power while you’re gone. This includes routers, air fresheners, computers, televisions, chargers, and small kitchen appliances. You’ll protect your space from catching flames, as well as avoid a hefty energy bill upon your return.

Also, triple-check your smoke detectors. If something were to go wrong, you’d at least want them to sound off so your neighbors can take action.

Program the Thermostat 

A great way to save some money while you’re off exploring the world is by setting your thermostat. You want the air circulating so you can avoid condensation. If you don’t have a smart thermostat, set your thermostat to a warmer temperature in summer and a colder temperature in the winter. Just make sure it’s above freezing, since you don’t want to freeze your pipes. Leaving a fan on is a great alternative to keep that air flowing.

Put Your Mail on Hold

Built-up mail is a signal to burglars that someone isn’t home. If you are preparing your house for an extended vacation, reach out to the United States Postal Service before you leave and ask them to put your mail on hold. They will keep your mail anywhere from three to 30 days. You can also ask a friend to stop by your house every few days to check your mailbox.

Ask a Friend to Stop By

It’s always the best when your friends or family members show up for you even while you’re away. If you can, ask a friend or family member to stop by your home to water plants, check on pets that don’t need 24/7 supervision, and maintain other household chores.

If you aren’t comfortable asking a friend to check on your home while you’re away, technology can help. Some companies will match you with a house sitter while you’re out of town.

Secure Entry Points

The worst thing is being out of town and realizing you might have forgotten to shut the window after that warm, breezy day. Before leaving, be sure to close and lock all windows and doors. You want to eliminate the possibility of someone having easy access to your home.

If you have an alarm system and accidentally leave a door unlocked, someone could walk into your home or apartment without setting off the alarm to alert the authorities. Double-check all entryways to make sure you have secured your home.

Don’t Forget the Details

Getting ready for a trip means crossing off your packing list and preparing all your proper documents. Call your bank and let them know you’ll be traveling. Alert your alarm company if you have one, and be sure to follow the above rules when preparing your home for your time away. You’ll have peace of mind and enjoy your trip more knowing that a secure and well-prepped home is waiting for you when you return.

YMT Vacations has been providing affordable guided tours for mature travelers since 1967. Our guided cruise and land tours, to destinations around the globe, are designed with value in mind. By thoughtfully bringing together each separate element of your vacation, we can guarantee you the best price and an easy, worry-free trip. Visit ymtvacations.com to learn more!

The post Ways to Prep Your Home for Your Next Vacation appeared first on USTOA Blog.

Starting May 7, 2025, you’ll need a REAL ID-compliant travel document to board a domestic flight. To ensure you’re ready, check that your driver’s license or state ID meets the REAL ID standards. If not, visit your local Department of Motor Vehicles (DMV) or check your state’s website to update your ID before the deadline. 

Why Does REAL ID Matter? 

REAL ID is a federal security standard for driver’s licenses and ID cards, designed to enhance travel safety. Without a REAL ID-compliant license, you may be denied boarding on domestic flights or access to certain federal buildings. 

How to Check if You’re Ready 

• Look for a star on the top right corner of your driver’s license or state ID. If you see it, you’re good to go! 

• Have a valid U.S. passport? You’re already covered—passports meet REAL ID requirements. 

• If you’re unsure, visit your state’s DMV website to check your status. 

What You Need to Get a REAL ID 

Each state’s requirements may vary, but in general, you’ll need to provide: 
Full legal name 
Date of birth 
Social Security number 
Two proofs of address of Principal Residence  
Proof of lawful status  

Don’t Wait Until the Last Minute! 

While previous deadlines have been extended, there’s no guarantee this one will be. Avoid last-minute travel stress by getting your REAL ID before May 7, 2025. 

More information on REAL ID can be found here. 

The post Get Ready to Travel! REAL ID Deadline is May 7, 2025  appeared first on USTOA Blog.

Safety has always been the top priority for USTOA members so we’re particularly sensitive to State Department travel alerts and warnings, which can cause more confusion and uncertainty among travelers than guidance. We’re constantly monitoring these alerts and found Everett Potter’s overview of what they mean in USA Today this week particularly helpful and informative, so wanted to share it with both travelers and our travel agent partners as a resource:

http://www.usatoday.com/story/travel/advice/2016/01/18/state-department-travel-alert-warning/78637736/

In addition to monitoring State Department travel alerts and warnings, our members are uniquely positioned to monitor situations around the world. With eyes and ears on the ground in destinations, our tour operator members have access to real-time information that allows them to act in the best interest of both guests and employees.

We are hopeful that the U.S. traveler continues to be resilient and keeps exploring new cultures…it’s the best antidote to the misunderstanding that plagues world events today.

The post Understanding State Department Travel Alerts and Warnings appeared first on USTOA Blog.