Frequently Asked Questions

Why Choose CSA Travel Protection?

CSA sells products that are more accurately described as "travel insurance and travel assistance services." This is because CSA products consist of insurance and non-insurance components bundled together in a single package. Examples of non-insurance components that CSA offers include Emergency Assistanceservices.

What does a CSA Travel Protection plan cover?

The plans cover many unforeseen circumstances that may force you to cancel or interrupt. In addition, CSA plans provide protection for unexpected events that may occur during your trip. Below is a list of the different coverages that can be found in the CSA Comfort and Luxe Travel Protection Plans. Please readyour Certificate or Insurance Policy for details.

  • Trip Cancellation/Trip Interruption

  • Travel Delay

  • Baggage Loss/Damage

  • Baggage Delay

  • Medical and Dental Expense

  • Emergency Medical Transportation

  • Damage To Your Rental Car (Not available in all states)

  • Air Flight Accident

  • Travel Accident (Luxe Only)

Why is travel insurance important?

We feel travel insurance is important because many times, travelers pay for their trips months in advance. You and your family may be in the best of health today, but things can change before you go on your trip, leaving you with cancellation penalties. Secondly, travel insurance gives you confidence while on your trip. With travel insurance, numerous unexpected situations may be covered that can save you a lot of time, money and frustration.

How much of my trip cost should I insure?

You should insure the total of your pre-paid, non-refundable trip costs, including airfare -- the amount you would be losing to penalties if you have to cancel your trip.

What about frequent flyer miles?

Sorry, frequent flyer miles cannot be insured for any dollar value. But be sure to include your flight dates in your policy so you will have the coverages for travel delay, baggage delay, etc.

What if I don't yet know all of my travel arrangements? Should I wait to buy the policy?

You should insure the trip cost that you are sure of right away. As you add additional arrangements to your trip (air flights, hotels, etc) you can add these arrangements to the policy.

What if I don't yet know my exact travel dates?

Many travelers book the main part of their trip well in advance and it may be weeks or months later that they have everything, including the exact travel dates nailed down. If this is your situation there's no reason to delay in purchasing a policy. The travel dates can be modified at any time prior to your departure.

What if I cancel my trip?

The CSA Plan will reimburse you for prepaid, non-refundable payments made for your trip if the reason for your cancellation is one or more of covered events listed in your Certificate or Insurance Policy.

Will CSA Travel Protection plans refund my travel agent service fees if my trip is cancelled for a covered reason?

Yes. You can insure any service fees charged up front and invoiced by your travel agent at the time of booking. They will be reimbursed if your trip is cancelled for a covered reason.

Can travelers of all ages purchase the CSA Travel Protection Plan?

Yes.

What is a pre-existing medical condition?

It is a condition for which you, during the 180 days preceding and including the policy effective date:

1) Received, or received a recommendation for, a diagnostic test, examination, or medical treatment, or

2) Took or received a prescription for drugs or medicine. Item 2 of this definition does not apply to a condition that is treated or controlled solely through the taking of prescription drugs or medicine, and remains treated or controlled without any adjustment or change in the required prescription throughout the 180-day period before coverage is effective under this Policy

This exclusion is waived if:

Purchase the plan by the final trip payment date; and you are not disabled from travel at the time you make your plan payment; and the booking for the Covered Trip must be the first and only booking for this travel period and destination.

How does Financial Insolvency protection work?

You must purchase the plan by the final trip payment to receive protection against the Financial Insolvency of your travel supplier. The financial insolvency must occur at least fourteen (14) days after you purchase your travel insurance policy.

What is the maximum trip length I can insure?

365 days.

If my companion cancels, do I have to cancel?

If your companion cancels for a Covered Event, you may be able to cancel as well. If you decide to continue with your travel plans, you may be eligible to receive Single Supplement benefits, used to cover additional charges applied by the supplier when facilities are booked for one traveler, such as cruise lines and tours.

How long does the claim process take?

CSA is committed to providing you with prompt and fair claims service. Every claim is thoroughly investigated and adjudicated by a qualified Claims Representative. The total timeframe for claims resolution can vary; however, your prompt response with all necessary documents helps to expedite the process. In rare instances, such as natural disasters, the sheer volume of claims may create a temporary delay in processing and adjudicating of claims. In those instances, CSA works diligently to catch up and return to normal, fast turnaround times.

Why do I need to provide refund information from the suppliers?

CSA plans only cover published non-refundable payments. To determine the payable amount in the event of Covered Claims, they need to verify if any refunds were given. Many times, the travel supplier will not release that information to CSA, citing privacy restrictions.

Can a paid invoice, receipt or credit card charge slip from my agent be considered proof of payment?

No, CSA needs actual copies of cancelled checks or credit card statements confirming the amount paid for the trip.

What are penalties?

Penalties are fees imposed by the travel supplier when a trip is cancelled.

Why does CSA need medical records when my doctor completed the physician statement?

Medical records are ordered to help the claims examiner better determine whether or not coverage can be provided. When medical records are ordered, they are handled in a professional manner in accordance to federal privacy regulations. Medical information received by CSA is never shared with any third party.

Why aren't my travel visa fees, transfer fees for my timeshare and other fees covered?

In the event of a Covered Trip Cancellation Claim, CSA plans cover you for forfeited, published, prepaid, non-refundable and unused payments that you paid for your covered trip. Travel visa fees, timeshare transfer dues, etc., are not considered travel arrangements under the Covered Trip.

Why do I have to send CSA my unused tickets?

CSA must verify that the ticket is non-refundable and that you are forfeiting it for any future use. If you plan to use your tickets for future travel, you can submit a claim for the change fees imposed by the travel supplier

How do I provide proof of payment when I paid in cash?

You can provide proof of the cash withdrawal and a signed and dated receipt from the recipient.

Travel Insurance is underwritten by Stonebridge Casualty Insurance Company an AEGON company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. In CA, CT, HI, NE, NH, PA, TN and TX Policy/Certificate form series TAHC5100 and TAHC5200. In IL, IN, KS, LA, OR, OH, VT, WA and WY Policy Form #'s TAHC5100IPS and TAHC5200IPS. Certain coverages are under series TAHC6000 and TAHC7000.
 Approval Code 23811506