Even the best-planned trip can be impacted by the unexpected. Illness...medical emergencies...severe weather...delayed flights...lost passports or luggage. Troubles can occur when you least anticipate them, forcing you to cancel or interrupt your trip, lose your vacation investment, and incur unplanned expenses. CSA insures millions of travelers each year, with the right no-hassle coverage and services before, during and after their trip.
| Coverage Descriptions | Maximum Limit Per Person |
|---|---|
| Trip Cancellation | 100% of Trip Cost |
| Trip Interruption | 100% of Trip Cost |
| Travel Delay (Daily Limits Apply) | $500 |
| Missed Connection | $500 |
| Baggage and Personal Effects | $1000 |
| Baggage Delay | $100 |
| Medical or Dental Expense | $50,000 |
| Travel Accident ( A D & D ) | $25,000 |
| Emergency Assistance (Emergency Medical Transportation) | $200,000 |
This plan provides reimbursement up to 100% of non-refundable trip cost when you purchase this Cancel for Any Reason Plan. In order to qualify, 100% of the trip cost must be insured and insurance must be purchased within 24-hours of initial deposit. Trip cost cannot exceed $10,000. Other conditions apply. Contact CSA directly for complete details.
| If Cancellation Amount Is | Percentage of Amount Payable Is |
|---|---|
| Up to 25% of trip cost | 100% of Amount |
| 26% to 50% of trip cost | 90% of Amount |
| 51% to 75% of trip cost | 80% of Amount |
| Over 76% of trip cost | 70% of Amount |
Mary just purchased a $1000 trip from AffordableTours.com. Todd purchases the same trip from some other agency. Mary buys the Cancel For Any Reason Plan; Todd does not.
A few weeks later, Mary and Todd each decide to cancel their trip. The operator's policy is to return 50% of their cost, or $500.
Mary then calls her awesome agent at AffordableTours.com, who helps her file her claim with CSA. CSA returns to Mary 90% of the remaining $500 that the operator kept, making her total refund $950. Subtracting out the cost of the policy, Mary is still left with over $720.
Compared with Todd, who only received $500, Mary is $220 richer!!
| Cost of Trip | Basic Plan | Cancel For Any Reason Plan |
|---|---|---|
| $0 - $500 | $59 | $84.96 |
| $501 - $1,000 | $92 | $132.48 |
| $1,001 - $1,500 | $126 | $181.44 |
| $1,501 - $2,000 | $159 | $228.96 |
| $2,001 - $2,500 | $193 | $277.92 |
| $2,501 - $3,000 | $227 | $326.88 |
| $3,001 - $3,500 | $271 | $390.24 |
| $3,501 - $4,000 | $310 | $446.40 |
| $4,001 - $4,500 | $349 | $502.56 |
| $4,501 - $5,000 | $387 | $557.28 |
| $5,001 - $6,000 | $459 | $660.96 |
| $6,001 - $7,000 | $526 | $757.44 |
| $7,001 - $8,000 | $594 | $855.36 |
| $8,001 - $9,000 | $656 | $944.64 |
| $9,001 - $10,000 | $723 | $1041.12 |
The 24-Hour Emergency Assistance Services are only available to persons whose primary residence is in the United States or Canada. This plan is administered by CSA Travel Protection and Insurance Services. Call CSA's 24-hour Worldwide Emergency Hotline for immediate aid with:
Call Toll-free (US)
(877) 243-4135
Call Collect from anywhere else in the world*
(240) 330-1529
Covered events will be described in your Certificate of Insurance 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 Certificate of Insurance or Insurance Policy for details regarding their available 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.
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.
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 not be disabled from travel when you buy the insurance. Second, you must purchase the insurance prior to or within 24 hours of your final payment.
Before and during your trip, a 24-Hour emergency hotline is available to assist you with various travel needs, including medical and legal referrals, emergency cash transfers, pre-travel advice, translation services, identity theft resolution services, concierge services and more. If the unexpected occurs, our customer service representatives will assist you with any claims forms needed, as well as provide you with individualized attention. Upon receipt of your completed claims forms, a dedicated claims agent will be assigned specifically to your case upon your return.
Yes. However, note that some benefits are subject to policy maximums. If there are more than 10 travelers, we recommend purchasing one of our group policies.
If the total trip cost is not equally shared by travelers, you may want to consider purchasing different policies.
Yes. If you purchase additional arrangements prior to your departure date, a simple phone call to customer service will allow you to add coverage. Should you need to extend the dates for your trip, you may do so by calling us prior to your scheduled return date.
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.
"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.
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.
Here are 5 real-life scenarios to think about:
CSA Travel Protection plans provide important insurance coverage, benefits and 24-hour emergency assistance services to take care of you while traveling and protect your hard-earned investment. CSA anticipates the unexpected so you don't have to.
Your travel insurance policy documents include the toll-free and collect phone numbers to call, plus a complete Description of our 24-Hour Emergency Assistance Services.
Please see your policy/certificate of insurance for complete details on policy exclusions and benefits.
* You should have available your plan code, your Policy/Reference number, your location, a local telephone number, and details of the situation. The assistance provider will confirm your enrollment and assist you. If you cannot call collect from your location, dial direct and give the assistance coordinator your telephone number and location and they will call you back. To call collect from a foreign country, you may first need to reach a live operator on the line. In some cases, that operator may not understand how to process collect calls to the United States. To be prepared, please visit consumer.att.com for information on how to reach an English-speaking operator. If you were unable to reach CSA collect and paid for your call, we will ask you for a number to phone you back at so you will pay no further charges.
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