Welcome Customers of Adventure Cycling Association!

Now that you have booked your trip, we wanted to remind you of the importance of travel insurance. MH Ross Travel Insurance Services provides plans with benefits to protect the cost of your travel arrangements; your belongings; and most importantly, you.

Benefits Highlights *

* Benefits and Limits may vary by plan

Latest News

Hotel Innovations You Need to Know About

Hotels are jumping on the technology train. Chances are you’ve shared a photo to Facebook, answered an email while on vacation or Tweeted a photo from your smartphone. The hotel industry wants to be part of that movement. Here are a few hotel innovations you need to know about before booking your next vacation:

Your smartphone may soon become your key card. You can already use your smartphone as a boarding pass, and soon you will be able to use it as your key card at your hotel room, too. How will this work? Well, chances are the hotel will give you access to the "key" once you check-in and you will simply swipe your phone in front of the lock on your door to gain access to you room.

Free WiFi will spread. Travelers, rejoice! As WiFi becomes more widely used, it's expected to be free. In fact, a recent SmartBrief Media Services survery notes 57 percent of travelers will not stay at a hotel if it doesn't offer free WiFi.

Hotel decor will get even better. We live in a world where everything is shared online.  Chances are you're requesting hotel rooms based on photos or recommendations you've heard from a friend or travel agent. Therefore, hotels are making their properties more visually appealing so you'll want to snap a photo and share it with your friends.

So tell us, what hotel innovation do you think will make a splash this year? Leave a comment below with your prediction.


Read also:
5 Crazy Travel Tips
6 Signs You Know It's Time For A Vacation
Why Should I Purchase Travel Insurance?


6 Signs You Know It's Time for a Vacation

Is it vacation time yet? America is ranked as the the 5th most workaholic country in the world, where only 57% of us take all our vacation time. Here are 5 more signs it may be time for you to take a vacations:

1. You're over seeing cold weather on the forecast.

2. You realize every dream you have includes a beach.

3. Your bags are packed just in case.

4. This is what you look like at work.

5. This is how you feel when you get off work.

6. All your free time is spent dreaming of your next vacation destination.

Do all signs point to you being ready for a vacation? We'd be happy to help protect your next vacation. Leave a comment below, write on our Facebook page, Tweet us or call us at 800-423-3632. We can't wait to hear about your next vacation!


5 Crazy Travel Tips

We've all heard gotten travel advice at one time or another. Someone has probably told you to check your flight status before heading to the airport. You've probably been told to get travel insurance, and we think whoever told you that is a smart traveler. If you're traveling internationally, you might have been told to leave a copy of your passport with someone at home. And of course, who hasn't been told to pack your socks in your shoes to save space in your luggage?

We've got some travel tips that you've never heard before. Ones that are so crazy, they just might work.

1.  Feeling sea sick? Eat a green apple. Some travelers swear that eating green apples helps with nausea, and some ships even offer plates of green apples on their room service menus.

2. Put dryer sheets in your suitcase. Not only can dryer sheets help with static and prevent wrinkles, but they keep the contents of your suitcase smelling fresh and clean.

3. Request the vegetarian meal. If you're a meat-eater, stick with us here! The vegetarian meals are typically served first on a flight and the quality of the food may be better since they're made in smaller batches.

4. Wiggle with it! If you're not a fan of  turbulence on flights (who is?), move your body slightly when you hit bumps. No one will notice because everyone is being moved around and the movement will counteract the turbulence and you won't feel it as much!

5. Take advantage of the 24-Hour Concierge Services provided with your travel insurance. This one may sound like a no-brainer, but some people may not be aware of this service. You receive this benefit at no extra charge with your MH Ross travel insurance. The concierge can help with restaurant and shopping recommendations or reservations; local transport, reservations, sports, theater, and event information/ticketing; golf course referrals & tee times; and baggage tracking/assistance. It's like having a personal assistant while on vacation!

Tell us - what's the best travel tip you've received? Leave a comment below, write on our Facebook timeline or Tweet us. We look forward to hearing your tip!

Read also..
6 Tips to Breeze Through Airport Security
9 Reasons Adventure Travel is Good for You
Bucket-List Worthy Destinations



NY Times Travel Show Winner Announced

We spent time with travel agents and travelers at the NY Times Travel Show chatting about travel insurance needs, upcoming travel adventures and the importance of travel insurance.

We also held a drawing for a $150 Best Buy gift card. We're excited to announce our grand-prize winner -- Stephen T. of  Woodland Park, NJ! Congratulations, Stephen!

We would love to stay in touch with you and continue the conversation about travel insurance. You can follow us on Facebook, Tweet us, follow us on Pinterest or email us at any time you have questions or want to share your travel experiences. We look forward to connecting with you!


6 Tips to Breeze Through Airport Security

We've all been there - stuck in the line at security. While we can't shrink the lines at the airport, we can give you tips to make the quicker and stress-free.

1. Pack neatly. It is helpful to have your laptop and bag containing 3-ounce liquids in a place that is easy to access as you're going through the line.

2. Dress appropriately. Remember, you'll have to take off your light jacket, too, so make sure you're comfortable wearing what you have on underneath. Also make sure you have on shoes that are easy to slip on and off.

3. Consider investing in TSA Pre✓™. TSA Pre✓™ allows low-risk travelers to experience faster, more efficient screening at participating U.S. airport checkpoints for domestic and international travel. That means you won't have to remove your belt, shoes, light jacket, bag containing liquids or laptop from your carry-on. To apply for this program, there is a nonrefundable application processing fee of $85.00.

4. Leave gifts unwrapped. If TSA decides that they need to see the inside of your gift, it will have to be unwrapped. Avoid this disaster by leaving the gift unwrapped and pack a gift bag in your luggage as well.

5. Double-check the list. If you're wondering what you can and cannot take in the air, look at TSA's list of prohibited items.

6. Get your papers ready. Make sure to have your government-issued ID and boarding pass ready to show at the checkpoint entrance. At that point, you can put your ID away, but leave your boarding pass somewhere you can easily retrieve it when you board the plane.

Tell us - what's your best tip for breezing through airport security? Leave a comment below with your answer.

Read also...
Travel Hiccups and Tips: Funny Friday Edition
10 Things You Should Know Before You Travel Abroad
How to Plan a Memorable Group Trip


Winter Storm Highlights Importance of Travel Insurance

As the wrath of Winter Storm Nika continues, snow and ice are filling countless cities across the country. In fact, Nika is causing school closings across the country including Chicago, Atlanta, and Washington D.C. With more snow on the way, schools may be forced to extend their school year.

This reminds us all about the importance of travel insurance, especially during this time of the year. And with this topic fresh on our minds, it's important to ask yourself, "Will these school year extensions ruin my family's vacation?"

Most people know that travel insurance provides coverage against illness, medical and non-medical emergencies, travel delays and cancellations, but did you know travel insurance can also cover you if you need to change your trip due to a school year extension?

We're happy to offer coverage for this very reason in all of our travel insurance plans. If you need to cancel or change your trip due to a school year extension, or have questions about specific coverages that travel insurance provides, please leave a comment below or call us at 800-423-3632.





What is Medical Evacuation coverage?

Medical evacuation is a topic that is often overlooked when purchasing travel insurance because most of us assume "it won't happen to me". However, each year thousands of people of all ages traveling abroad have an emergency that requires a medical evacuation.

You must ask yourselves these important questions: What if you had a sudden health issue on your trip? Would you know which hospital to go to? What if you were unhappy with the care you were receiving? What if you didn't speak the local language? Most importantly, what if you required an evacuation to get proper treatment?

Medical Evacuation coverage (up to $500,000) is a part of all MH Ross travel insurance plans. The benefits you will receive include:

  • Arrangement and coordination of medical evacuation
  • Arrangement of transportation to nearest adequate medical facility when appropriate care is not available locally
  • Emergency messages sent to family, friends and/or business associates
  • Reimbursement or payment for transportation expenses
  • Assistance with emergency cash transfers

Non-Medical Evacuation is also included in our insurance plans. You can be evacuated due to natural disaster, civil, military or political unrest.

As always, it is important to read your plan provisions to fully understand your coverage. Remember, we're here with you wherever you go.  If you have a question, leave a comment below or call us at 800-423-3632.

Read also...
9 Reasons Adventure Travel Is Good For You
Advantage Series Updates Complete
Why Should I Purchase Travel Insurance




9 Days of Free Travel at U.S. National Parks in 2014

After over-spending this holiday season, what's better than free admission when you're traveling? We're sharing the days that National parks offer free admission, so you and your family can enjoy the great outdoors. These national parks free days include free entrance into the park, free commercial tours and free transportation entrance.

  • January 20: Martin Luther King Jr. Day
  • February 15-17: Presidents Day weekend
  • April 19-20: Opening weekend of National Park Week
  • August 25: National Park Service Birthday
  • September 27: National Public Lands Day
  • November 11: Veterans Day

To find the National park in your state offering free admission during these days, click here.

Don't forget, if you or your spouse is a US military member, you and your dependents are eligible for a free annual pass to all national parks.

Whichever park you decide to visit, be sure to protect your vacation with travel insurance. To find the right plan for you, click here or call us at 800-423-3632. We look forward to answering your questions about travel insurance and hearing about your national parks vacation!





Travel Hiccups and Tips: The Funny Friday Edition

Let's face it, the unexpected part of travel can be frustrating. Flights are sometimes delayed, luggage can get lost and it always seems to happen at the worst times. In addition to protecting yourself and your investment with travel insurance, what can you do to make the situation better? Take a deep breath and try to smile. To help you do that, we're sharing our favorite comics that shine the light on travel blunders and helpful tips to help you avoid the situation all together.

This comic reads, "There we are during our delay at the Chicago Airport and there's us delayed in Denver and here's us during our Newark delay..." Have you ever felt like you spend more time in the airport than at your destination? That can create a lot of frustration. However, if you arm yourself with travel insurance, we can cover the costs of food, hotel and other costs you incur while you're delayed. Make sure to read the plan provisions for the daily limit and all details.

The next Friday Funny comic reads, "And how would you like your bags lost today? On a wrong flight, left behind or 'we don't have the foggiest where they're at'?" Do you feel like you have a stamp on your luggage tag that says, "please lose me"? If your luggage is lost, stolen or delayed while traveling, travel insurance  can come to your rescue. By reimbursing you for items you need to replace until your luggage (hopefully) arrives, the insurance can help lessen the stress. Again, we recommend reading all of the Plan Provisions for the daily limits that apply.

Happy Friday, travelers! If you have any questions about how travel insurance can lighten the stress on your travel plans, leave a comment below or call us at 800-423-3632. We're happy to help!
Read also...
Travel Insurance for a Dream Destination Wedding
10 Things You Should Know Before You Travel Abroad
Bucket-List Worthy Destinations


9 Reasons Adventure Travel is Good for You

Adventure travel tests your limits and leaves you with amazing memories. It gets your hands dirty, but cleans out your soul. An increased number of travelers are tackling an adventurous vacation by climbing a mountain, caving or even skydiving. Read on to find out why this travel trend is good for you.

And don't forget to protect your adventure travel plans with our Sports Upgrade Pac option! Not only will you be covered against lost luggage, illness, flight cancellations and more, but the Sports Upgrade Pac will cover you when participating in participating in bodily contact sports including skydiving; hang gliding; parachuting; mountaineering; bungee cord jumping; spelunking and caving. These activities are normally excluded in travel insurance plans, but we want you to be able to have a true adventure with peace of mind.

1. You'll soar to new heights.

2.  Your photos will make your friends jealous.

3. You can hang out in between adventures.

4. There is no age limit on adventure.

5. Adventure travel lets you get off the path.

6. You just need the essentials for adventure travel.

7. Adventure travel pushes you to the edge.

8. When you get dirty, you improve your physical health.

9. Adventure travel creates unforgettable memories.

Read also...
Adventure Travel: REI Style
Bucket List-Worthy Travel Destinations
How to Plan a Memorable Group Trip



Travel Insurance Basics

Travel insurance plans include benefits intended to protect you, your travel investment and your belongings. The basic benefits include:

Trip Cancellation/ Interruption to reimburse you should you have to cancel or interrupt your trip for a covered medical or non-medical reason.

Medical Expense/Emergency Assistance to cover medical expenses and emergency transportation for a sickness or injury that occurs while you are traveling.

Travel Delay Benefits to cover your out-of-pocket meal and accommodation expenses due to flight delays or cancellations or for other similar covered reasons. You must be delayed for a specified amount of time, such as 8 hours or more.

Baggage and Baggage Delay to cover loss or damage to your baggage or personal items or the cost of buying toiletries or personal articles if your baggage is delayed for a specified amount of time.

Trip Cancellation

This benefit covers the non-refundable trip costs when you must cancel your travel plans.

All plans cover cancellation for covered medical reasons (such as Sickness, Injury or death of you, a Family Member or Traveling Companion).

Additionally, certain non-medical reasons will be covered as well, such as: air carrier delays or cancellations, theft of travel documents, damage or destruction of your home, etc.

Trip Interruption

This benefit covers the cost of your unused, non-refundable land or water travel arrangements and the additional air expense to either resume your trip or return home, if you interrupt your travel plans and/or return home early from your trip for the same types of medical or non-medical reasons covered for Trip Cancellation.

Medical Expense/Emergency Assistance

This benefit reimburses you for medical treatment during your trip if you become sick or are injured while traveling. Additionally, air transport expenses (such as upgraded air arrangements, air ambulance, including doctor or nurse escort expenses) for medical evacuation are covered, if needed to obtain the appropriate level of care required for your condition.

Non-Medical Emergency Evacuation

This benefit covers you for transportation expenses to the nearest place of safety if a formal recommendation from appropriate local authorities or the US State Department is issued to leave a country due to: 1) a natural disaster such as an earthquake, wild fires or tsunami; 2) civil, military or political unrest; or 3) being expelled or declared a persona non-grata.

Cancel For Any Reason

This benefit allows you to cancel your trip for any reason whatsoever and still be reimbursed for most of your non-refundable trip costs. To be eligible for this coverage, the plan must be purchased within 15 days of the date you made your initial payment for your trip and you must cancel your trip 2 days or more prior to your scheduled departure.

Important Tip! Non-covered medical conditions, divorces, canceled wedding plans, economic hardships, a change in plans, just a few of the types of reasons not typically covered under Trip Cancellation, but covered under Cancel For Any Reason.

When to buy travel insurance

For a variety of reasons, it is prudent to purchase travel insurance when you first book your trip (i.e. make your first payment for travel arrangements).

Why? Most travel insurance policies contain one or more time sensitive provisions that broaden coverage. The time sensitive provisions which are included in most of our plans apply to several coverage enhancements, such as: waiving of the Pre-Existing Conditions Exclusion; Travel Supplier Bankruptcy or Insolvency protection and the Cancel For Any Reason Benefit.

Travel Supplier Bankruptcy or Default

What if your airline or travel supplier ceases operations? Other airlines or travel suppliers will try to find space for you but usually at a cost, what happens if they can't meet your needs? We have plans to cover a trip cancellation or interruption due to supplier Bankruptcy or default.

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