Frequently Asked Questions (FAQs)
We're Here to Assist You!

If this is your first experience buying CSA Travel Protection1, we've compiled a list of Frequently Asked Questions to help you make your decision. Please read them over and see if your question is answered. If not, we invite you to contact us so that we may offer further assistance.
 
CSA Travel Protection1
  • What is a covered event?

  • When can I buy coverage?

  • What is a foreseeable event?

  • Is it possible to insure pre-existing medical conditions?

  • Can I use this plan to travel to Cuba?

  • Can my traveling companions and I be insured on the same policy?

  • What if I change my mind?

  • I understand I can cancel for any reason. How does that work and what percentage of my trip costs and premium will be reimbursed if I do?

  • How does your "no out-of-pocket" service work?

  • What is a covered event?
    Covered events will be described in your Description of Coverage or Insurance Policy, but generally refer to events such as a strike, severe weather or a terrorist event. As with any insurance policy, customers are strongly encouraged to read their Description of Coverage or Insurance Policy for details regarding their available coverage.


    When can I buy coverage?
    You can always purchase the insurance, however, for there to be coverage for a specific covered event listed in the policy, such as flight cancellations due to strike or inclement weather, the plan would need to have been purchased prior to the event happening or being announced. Once the event happens or is announced, it becomes foreseeable.


    What is a foreseeable event?
    Foreseeable simply means reasonably known beforehand. Once it is reasonable that people traveling to an area would know about an event, it becomes foreseeable. For example, if the airline you are flying announces that they are going on strike, the event becomes foreseeable once they make the announcement.


    Is it possible to insure pre-existing medical conditions?
    Yes, CSA can accepts pre-existing medical conditions for you, your traveling companions and family members. Moreover, CSA offers its customers the flexibility to cover pre-existing conditions up to final payment. Pre-existing medical conditions are accepted with most of our plans when you meet two requirements. First, you must be medically able to travel when you buy the insurance. Second, you must purchase the insurance prior to or within 24 hours of your final payment.


    Can I use this plan to travel to Cuba?
    As an agent of Stonebridge Casualty Insurance Company and Generali U.S. Branch, CSA Travel Protection will not issue travel insurance for travel to Cuba. By virtue of United States laws and regulations including, but not limited to, the Cuban Democracy Act of 1992, 22 U.S.C. § 6001 et seq., and the Helms-Burton Act of 1996, 22 U.S.C. § 6021 et seq., companies, entities and/or persons subject to regulation by the United States may be restricted from traveling and conducting transactions with Cuba. Accordingly, until further notice, CSA Travel Protection will not issue travel insurance for travel to Cuba.


    Can my traveling companions and I be insured on the same policy?
    Yes. However, note that some benefits are subject to policy maximums. If the total trip cost is not equally shared by travelers, you may want to consider purchasing different policies.


    What if I change my mind?
    If you purchase this plan and are not satisfied within 10 days of receipt, contact CSA Travel Protection directly to indicate your desire to cancel. If you haven't already left on your trip or filed a claim, you will receive a complete refund.


    I understand I can cancel for any reason. How does that work and what percentage of my trip costs and premium will be reimbursed if I do?
    "Cancel for any reason" is an optional coverage that can be added to our Luxe plan. "Cancel for any reason" coverage is built to protect your pre-paid, non-refundable trip costs, such as cruise packages, tours and side trips if you must cancel. Your percentage of reimbursement will depend on how far from trip departure you are. The further you are from your departure date at time of cancellation, the higher the percentage of reimbursement. If only certain members of your group must cancel, "trip cancellation" benefits are provided for covered reasons defined in the policy.


    How does your "no out-of-pocket" service work?
    If you need medical assistance while traveling or en route to trip departure, you can call CSA's 24-hour assistance hotline to get a referral within the CSA designated provider network of 30,000 physicians and 180,000 service providers worldwide. Then when you receive treatment, you simply acknowledge that you received the one-time care, which must be under $1,000, and the physician or service provider will submit paperwork to be reimbursed directly from CSA. This allows you to receive treatment without spending your vacation dollars when the unexpected occurs. If the medical expense is more than $1,000 the standard claims process would be in place.






    CSA Freestyle Luxe

     

    CSA Freestyle Luxe

    Plan Benefits

    Plan Cost

    Description of Coverage

    Providers

    Alerts

    Frequently Asked Questions

    Document Library

    Service and Support

     

    Copyright © 2001 Insuractive, Inc.

    The Travel Insurance Experts