In January 2007, Travelers agreed to pay US$77 million to six states to settle a class action suit and end investigations into its insurance practices.[36][37] The charges involved paying the insurance broker Marsh & McLennan Companies contingent commissions to win business without the knowledge of clients, thus creating a conflict of interest.[38] Additionally, the investigation examined whether Travelers had created the illusion of competition by submitting fake bids,[39] thus misleading clients into believing they were receiving competitive commercial premiums.[40]

In November 2010, Travelers entered into a joint venture agreement under which the company would invest in J. Malucelli Participações em Seguros e Resseguros S.A., the market leader in the surety insurance business in Brazil. The transaction closed in June 2011 with Travelers acquiring a 43.4 percent interest. Travelers' investment in newly issued shares significantly increased J. Malucelli's capital level, positioning it for substantial growth in Brazil. At the time, Travelers had the option to increase its investment to retain a 49.5 percent interest, which the company later did in 2012.[23]
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In 2004, the St. Paul and Travelers Companies merged and renamed itself St. Paul Travelers, with the headquarters set in St. Paul, Minnesota.[16] In August of that year, it was charged of misleading statements associated with the merger.[17][18] Despite many assurances from CEO Jay Fishman that the newly formed company would retain the St. Paul name, the corporate name only lasted until 2007, when the company repurchased the rights to the famous red umbrella logo from Citigroup and readopted it as its main corporate symbol, while also changing the corporate name to The Travelers Companies.[19][20][21][22]
A new crop of five-star brands are coming in 2018, including the Zadún, a Ritz-Carlton Reserve, the Four Seasons Los Cabos at Costa Palmas, the Montage Los Cabos, 1 Hotel & Homes, and the first Nobu Hotel in Mexico. Foodies will want to make a reservation at Acre, a restaurant-farm from executive chefs Kevin Luzande and Oscar Torres, who are set to unveil 12 new treehouse guest rooms on site. —Christopher Tkaczyk

Philip, while under the influence of drugs, commits to memory an anti-viral formula sent via messenger. The information is passed on to fellow Traveler Derek via Jenny so it can be synthesized and distributed to other Traveler teams as well as people targeted to be saved in order to minimize the spread and mutation of a flu like virus that historically killed 70,000 people. However, two weeks after dissemination, people around the world start getting sick with a virus even more dangerous than the original one. With no contact from the Director, and the death toll rising, Marcy and the team rush to find a solution before it's too late.

Travel to the Danish capital has jumped more than 80 percent in the past decade, thanks in part to René Redzepi’s influential Noma restaurant (slated to reopen in its new location in February), as well as Scandinavian Airlines’ ongoing flight expansion. Today, Copenhagen is teeming with inspiring places to eat and drink, in addition to a number of sleek new hotels — so much so that the New Nordic food, beverage, and design movement has now spread worldwide. Even before it debuted in July, Restaurant Barr — the beer-centric boîte by Redzepi and chef Thorsten Schmidt that occupies the old Noma plot — was already garnering international attention. Then there’s Apollo Bar & Kantine, the recently minted, design-focused restaurant in the Kunsthal Charlottenborg gallery from Frederik Bille Brahe, proprietor of hit café Atelier September. Brothers Mikkel Borg Bjergsø and Jeppe Jarnit-Bjergsø, of Mikkeller and Evil Twin Brewing, respectively, have in the last couple of years introduced the world to experimental Danish craft beer, and their brews can now be sampled at bars and beer halls across Copenhagen and beyond. Stylish new places to stay, such as Hotel Danmark and Sanders, as well as a revamp of the classic, Arne Jacobsen–designed Radisson Blu Royal Hotel, reinforce the reasons the Scandinavian aesthetic is so popular right now. —Kat Odell

The city has cemented its reputation as a must-visit destination with its most recent honor: it’s been named 2018 World Design Capital, the first ever in the Americas. It’s no wonder: despite challenges like the recent earthquake, young Mexican creatives are no longer searching for opportunities abroad but staying to build something meaningful at home. Their success is evident in arts initiatives like Zonamaco and the Material Art Fair in February, Design Week Mexico in October, and the Condo Fair, which will debut in Mexico’s capital in April. Aesthetes have plenty of design-forward places to stay and eat, too. Bed down at Downtown Mexico, the newest hotel by Grupo Habita, which plans to open another property, Catedral M X, nearby in 2018. Or book a room at the Four Seasons Hotel Mexico City, which unveiled an ambitious redesign by Gilles & Boissier in 2016. Dine at Enrique Olvera’s world-famous Pujol, which relocated last year to a mid-century house and has a fresh, pared-down look. The new space is outfitted in natural materials — a fitting design for a restaurant that celebrates wood-fired cooking. —Laura Itzkowitz
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From the Northwest Florida’s Emerald Coast to the coral-reefed Keys, the state is filled with an array of activities for all ages and tastes. On a Florida vacation, families can plan several days of theme park fun in the Orlando area, or they can ride horses at a secluded ranch in central Florida, ride bikes along nature trails in north Florida, learn about astronauts and rocket science at the Space Coast or take one of the garden tours in Miami and Fort Lauderdale.
A suicide bomber and his victims are set to become travelers, but the bomb explodes and only Donner, the bomber, survives. Devastated by his failure, Donner tries to betray the traveler program to the authorities, but the entire hearing is populated by travelers who hold a trial and convict Donner of treason. Donner is overwritten by a new traveler, who must serve Donner's prison sentence, and reports that things in the future are getting worse despite the changes enacted by Traveler teams in the 21st. Luca approaches Donner in prison, implying that he has lost faith in the Director. Ken, David's boss, believes David's relationship with Marcy is inappropriate. Upon meeting Marcy, he believes she has defrauded the system. Marcy saves David's job by repaying her benefits. Grace, Trevor's guidance counselor, and Jacqueline, Carly's social worker, genuinely care about them, respectively. Grace tries to help Trevor with his academics, and Jacqueline promises that she will not let the system fail Carly and her child. Philip discovers that gambling outcomes are deviating slightly from the historic record.
Of all the islands that make up Italy’s Aeolian archipelago, Salina is arguably the most alluring: it is not yet a celebrity haven like its neighbor Stromboli, where Giorgio Armani, Domenico Dolce, and Stefano Gabbana have homes; and it’s not yet overrun with the luxury yachts of affluent soccer players like nearby Panarea. That the isle has stayed blissfully unspoiled for this long eludes those who know of its imposing natural beauty — steep mountains blanketed in blossoming trees and wildflowers, small villages speckled with olive and lemon groves, fig trees, and miles of terraced Malvasia vineyards. The Relais & Châteaux property Capofaro Malvasia & Resort is one of Salina’s finest places to check in to, thanks to its secluded location, private beach, Tasca d’Almerita wines, and restaurant spotlighting local flavors (think wild fennel, orange, and caper leaves). Once you’ve settled in, skip on over to the town of Lingua to watch the sun set on the Marina Garibaldi, and order the best almond granita of your life at the Da Alfredo waterfront café. —Rocky Casale
Thai tourism is as robust as ever: more than 21 million international visitors poured into the capital in 2016, making it the world’s most visited city. To accommodate all those arrivals, the metropolis is welcoming a bevy of posh new hotels in the coming year. The Waldorf Astoria Bangkok will have a spa, rooftop bar, and outdoor infinity pool overlooking the Royal Bangkok Sports Club, while the 155-room Bangkok Edition will open this summer in MahaNakhon, a towering skyscraper with a swirl of cubical cutouts wrapping around the building. Four Seasons and Capella both have properties in the works on the Chao Phraya Estate, a lush riverfront development that’s part shopping and dining destination, part tropical escape. The Michelin Guide will make its long-awaited debut here this year, drawing attention to one of the world’s most dynamic culinary scenes. And for art lovers, there’s a flock of brand-new multipurpose creative spaces to explore, including the Thailand Creative & Design Center, which just relocated to a former General Post Office on historic Charoen Krung Road; Warehouse 30, a series of World War II-era warehouses revamped by starchitect Duangrit Bunnag; and ChangChui, an immense complex of bars, shops, and restaurants constructed out of upcycled materials, including an airplane salvaged from the scrap pile. —Diana Hubbell
Often overlooked in favor of more-developed, splashier neighbors like Hvar or Brač, Šolta’s under-the-radar nature has proved a boon: The stony islet has become synonymous with pristine nature (pebbly beaches, turquoise waters, lush greenery), medieval villages, winemaking (try the indigenous Dobričić variety), and family-run olive oil purveyors like Olynthia, a fourth-generation producer. After watching the sun set at Maslinica bay, check out the island’s peppering of stylish beach clubs, seaside bars, and open-air restaurants — then drop your bags at the Heritage Hotel Martinis-Marchi, built inside an 18th-century Venetian fort-castle and ideally situated for those who want to explore Šolta’s ancient villages and crystal-clear bays. —Kate Springer

Landlocked Laos might be quieter than Southeast Asian neighbors like Vietnam and Thailand, but 2018 could transform the country into the region’s next hot spot. Wattay International Airport, in the capital of Vientiane, is set to complete a terminal expansion to accommodate more international links next year, but the biggest changes are foot in the UNESCO World Heritage–inscribed town of Luang Prabang, in central Laos. This serene riverside spot lures travelers to its golden Buddhist temples, French-colonial architecture, hiking trails, nearby elephant sanctuaries — and now, glamorous new digs. Last year, the design-forward Azerai opened inside a century-old French-colonial building that was formerly an officer’s quarters. The debut concept from Aman Resorts founder Adrian Zecha has airy, light wood interiors that nod to local culture in their use of batik textiles and Laotian artwork. There’s also an 80-foot swimming pool in a tree-shaded central courtyard. The upcoming Rosewood Luang Prabang aims to be a destination in itself. Opening in mid 2018, this highly anticipated resort will feature pavilion-style villas, luxury tents, and a spa that seems to float above the jungle. —Kate Springer 

To better accommodate the millions who visit Iguazú Falls, a UNESCO site of 275 mighty waterfalls straddling the border of Argentina and Brazil, nearby Cataratas del Iguazú Airport is being modernized and enlarged. Within Iguazú National Park, the Ecological Jungle Train, which takes visitors on a 25-minute journey to the epic Devil’s Throat cascade, is converting from gas to environmentally friendly electric trains. Starting this February, travelers will be able to bed down at the long-awaited Awasi Iguazú resort where 14 rainforest villas will each have plunge pools and guests will have access to a personal excursion guide and 4WD vehicles. Expect visits to native Guarani tribes, river kayaking, and jungle treks led by a resident biologist. Selvaje, an upscale 12-room lodge, will also open early this year and will offer a menu of couple-friendly activities, from picnics to spa treatments. For the ultimate in romance, though, Argentinean travel outfitter Mai 10 (run by Travel + Leisure A-List Agent Maita Barrenechea) can arrange private dinners alongside the falls under the light of a full moon. —Nora Jean Walsh
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From the Northwest Florida’s Emerald Coast to the coral-reefed Keys, the state is filled with an array of activities for all ages and tastes. On a Florida vacation, families can plan several days of theme park fun in the Orlando area, or they can ride horses at a secluded ranch in central Florida, ride bikes along nature trails in north Florida, learn about astronauts and rocket science at the Space Coast or take one of the garden tours in Miami and Fort Lauderdale.


The logo of the red umbrella was created in 1870 when it appeared in a newspaper ad for the young insurance company. It was revived in the early 1960s, when it was given its signature red color by Harry W. Knettell, then the account executive for The Travelers and Vice President at the Charles Brunelle advertising agency. During the late 1960s Charles Brunelle was the largest advertising agency in Hartford, a city known as "the insurance capital of the world" due to the many insurance companies in that town. The Travelers was one of their many insurance company clients.[44][better source needed]

Landlocked Laos might be quieter than Southeast Asian neighbors like Vietnam and Thailand, but 2018 could transform the country into the region’s next hot spot. Wattay International Airport, in the capital of Vientiane, is set to complete a terminal expansion to accommodate more international links next year, but the biggest changes are foot in the UNESCO World Heritage–inscribed town of Luang Prabang, in central Laos. This serene riverside spot lures travelers to its golden Buddhist temples, French-colonial architecture, hiking trails, nearby elephant sanctuaries — and now, glamorous new digs. Last year, the design-forward Azerai opened inside a century-old French-colonial building that was formerly an officer’s quarters. The debut concept from Aman Resorts founder Adrian Zecha has airy, light wood interiors that nod to local culture in their use of batik textiles and Laotian artwork. There’s also an 80-foot swimming pool in a tree-shaded central courtyard. The upcoming Rosewood Luang Prabang aims to be a destination in itself. Opening in mid 2018, this highly anticipated resort will feature pavilion-style villas, luxury tents, and a spa that seems to float above the jungle. —Kate Springer


To better accommodate the millions who visit Iguazú Falls, a UNESCO site of 275 mighty waterfalls straddling the border of Argentina and Brazil, nearby Cataratas del Iguazú Airport is being modernized and enlarged. Within Iguazú National Park, the Ecological Jungle Train, which takes visitors on a 25-minute journey to the epic Devil’s Throat cascade, is converting from gas to environmentally friendly electric trains. Starting this February, travelers will be able to bed down at the long-awaited Awasi Iguazú resort where 14 rainforest villas will each have plunge pools and guests will have access to a personal excursion guide and 4WD vehicles. Expect visits to native Guarani tribes, river kayaking, and jungle treks led by a resident biologist. Selvaje, an upscale 12-room lodge, will also open early this year and will offer a menu of couple-friendly activities, from picnics to spa treatments. For the ultimate in romance, though, Argentinean travel outfitter Mai 10 (run by Travel + Leisure A-List Agent Maita Barrenechea) can arrange private dinners alongside the falls under the light of a full moon. —Nora Jean Walsh

Kathryn confronts MacLaren about an affair she believes he is having, leading him to end his relationship with Carly. Charlotte, the misfire historian, is overwritten and murders her team. She attempts to assassinate Grace, but Trevor stops her. Grace reveals that the anti-Director faction was responsible for the team's abduction. Charlotte is shot by Jeff while attempting to kill Carly. Ellis reveals that he has built a quantum frame that the Director, an advanced AI, can use to travel to the present to escape the faction. David is held at gunpoint by another assassin but is saved by Marcy. The team arrives at the farm where Trevor has received a text to destroy the frame. Boyd reveals she received an order to kill MacLaren and holds him at gunpoint; Carly later reveals having been given the same mission. Assassins surround the farm as Ellis shoots Trevor to keep him from harming the frame. Grace jumps in front of Trevor and is shot as well. Ellis shuts down the perimeter shield in the hope that the Director will help them and delivers a message to destroy the frame shortly before he dies. It is revealed that the people surrounding them are not anti-Director assassins, but FBI agents led by Forbes.
Many of Travelers' ancestor companies, such as St. Paul and USF&G, are technically still around today, and still write policies and accept claims in their own names (under the overarching Travelers brand name). As is typical of most insurers in the United States, Travelers never dissolved the various companies it acquired, but simply made them wholly owned subsidiaries and trained its employees to act on behalf of those subsidiaries. This is a common risk management strategy used by U.S. insurance groups. If any one company in the group gets hit with too many claims, the situation can be easily contained to that one company (which is placed in runoff and allowed to run its policies to completion), while the remainder of the group continues to operate normally.

Certain that his team erased his memory of the previous day, MacLaren retraces his steps in the case of a disturbed youth with a horrific future. The future is changed due to his positive impact on the boy. Jeff, confronting the Travelers with his knowledge of their existence, is overwritten by a new Traveler. Grace grants the predecessor of the Director, an AI called Elsa, access to the Internet so MacLaren and his team can use it to find Traveler 001.
Vincent asks the team to stand down and let him finish what he has been planning. When the team refuses to comply, Vincent holds the lives of Kat, David, Jeffery, Ray, and Grace over them, and forces them to reveal themselves as Travelers to the world. The team must make the choice between breaking protocol and thus risking being overwritten by the Director, or doing what they must to save the ones they've grown to care about since their arrival in the 21st.

The Big Easy turns the Big 3-0-0 this year, and in this city where the good times roll, the parties will be epic — think citywide art shows, supersized Mardi Gras parades, and a festival of lights using landmark buildings as backdrops. Thirteen years after Hurricane Katrina, there is much to celebrate: The Central Business District, once a dead zone after dark, now crackles at all hours thanks to four new hotels (the Ace, Troubadour, Catahoula, and NOPSI), each with its own rooftop bar. The neighborhood is also home to new restaurants like Maypop — a Vietnamese-Creole joint from acclaimed chef Michael Gulotta. Another area coming to life is the three-mile riverfront, where a renovated Spanish Plaza will reopen this spring. More riverfront updates, including a new Four Seasons Hotel, will roll out in the next few years. Toast the tricentennial at the Sazerac House, a French Quarter museum dedicated to the official cocktail of New Orleans, opening later this year. —Allison Entrekin
It’s no secret that Fiji is home to some of the world’s most spectacular scenery — powdery beaches fringed with palms, crystalline waters with colorful reefs, and rugged coastlines covered in greenery. But the islands’ new crop of luxury accommodations is making a case for the archipelago’s man-made phenomena as well. At the exclusive, family-owned Kokomo Private Island Resort, which is spread across 140 acres of dense tropical rain forest and white-sand beaches, guests will have their pick of 21 beach villas (among the most spacious in Fiji) and four hilltop residences featuring infinity pools and walled tropical gardens. If you’re a diver, you’re in luck: the Great Astrolabe Reef, which is teeming with kaleidoscopic corals and exotic marine life (like reef sharks, rays, and dolphinfish), is in the resort’s backyard. The luxury ante will only be upped in March when a Six Senses debuts on Malolo Island. Set on a private beach, the boutique property will offer the brand’s namesake spa and wellness offerings (including yoga, meditation, and nutrition and sleep counseling), plus a restaurant with ingredients sourced from the resort garden. Also slated to open in 2018: Nihi Fiji, from hotelier James McBride and Christopher Burch — the same duo behind Nihi Sumba Island, which Travel + Leisure readers named the best hotel in the world for 2017. —Melanie Lieberman
U.S. travelers have historically overlooked Mauritius in favor of other Indian Ocean destinations like the Seychelles and Maldives. That could all change, though, now that this remote, idyllic island some 1,200 miles off the African coast has become easier to reach. A flurry of new airline services launched at the end of 2017: KLM began servicing Mauritius from Amsterdam, and British carrier Thomas Cook Airlines introduced biweekly flights in November. Upon arrival, travelers can take in dreamy lagoon views from the newly reopened One&Only Le Saint Géran, fresh off a multimillion-dollar renovation. Every room and suite now has a private terrace or balcony, marble baths with cascade showers, and sophisticated teak, stone, and leather accents. Guests can also look forward to updated dining experiences — like lunch spot La Pointe, which grills fresh-caught seafood over firewood and coconut embers, or open-air restaurant La Terrasse, which offers Mauritian specialties. Unchanged at Le Saint Géran is its aura of exclusivity, thanks to the resort’s unique position on a private peninsula jutting out from the island’s eastern shore. —Melanie Lieberman
Visitors may want to return to the Belgian capital in 2018 to visit two cutting-edge museums. The Millennium Iconoclast Museum of Art opened in the once-infamous Molenbeek district’s old Belle-Vue brewery this past spring, to showcase contemporary art from around the world. There’s also the Citroën Cultural Centre, a new collaboration with Paris’s Centre Pompidou, which will launch its first exhibition in May. The edgy JAM Hotel, an industrial-chic property with exposed brickwork and concrete beams housed in a former art school, is the perfect place for culture-lovers to stay. Don’t leave town without paying homage to Belgium’s UNESCO-recognized beer culture at youthful breweries like Brasserie de la Senne or Brussels Beer Project, both of which are shirking brewing traditions in favor of more experimental microbrewery techniques. —Meredith Bethune
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Although the former Soviet republic might seem remote, Uzbekistan once sat at the very center of the world. In the first millennium, no traveler could pass from Asia to Europe without stopping in the Silk Road strongholds of Bukhara and Samarkand, and as a result these cities evolved into rich cultural centers. For intrepid travelers, today’s Uzbekistan is a promised land: a Muslim-majority nation that’s both safe and affordable, with few tourists and an abundance of well-preserved mosques and harems. And since the death of authoritarian president Islam Karimov last year, the new regime has taken steps toward reform that have given both Uzbeks and the international community reason for optimism. Improving relations with Iran could soon bring a rail link to the Persian Gulf, and in 2016, the Afrosiyob high-speed-train line began connecting the country’s major cities. Meanwhile, Uzbekistan should benefit from the so-called Iron Silk Road, or Trans-Asian Railway — a Chinese-funded network of routes knitting together Beijing and Europe — once a segment connecting the country through Kyrgyzstan is completed. Book a customized journey with Exeter International, which specializes in the region. —Heidi Mitchell
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