Frequently Asked Questions
Why Choose CSA Travel Protection?
CSA sells products that are travel insurance and travel assistance services.
What does a CSA Travel Protection plan cover?
The plans cover many unforeseen circumstances that may force you to cancel or interrupt your trip. In addition, CSA plans provide protection for unexpected events that may occur during your trip. Please read your Description of Coverage or Insurance Policy for details.
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 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 plan.
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 plan. 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 Description of Coverage or Insurance Policy.
Will CSA Travel Protection plans cover 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 if your trip is cancelled for a covered reason.
Can travelers of all ages purchase the CSA Travel Protection Plan?
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:
a. coverage is purchased prior to or within 24 hours of your final Trip Payment; and
b. you are medically able to travel at the time the coverage is purchased; and
c. you insure 100% of your prepaid Trip costs booked through the supplier from whom you purchased this coverage that are subject to cancellation penalties or restrictions; and
d. the booking for the Trip is 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. (Some state limitations may apply)
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.
This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.
Plans are available to residents of the United States. Benefits and services are described on a general basis. Certain terms and conditions may apply. The business or individual soliciting this insurance may not be licensed to sell insurance in your state and cannot answer technical questions about the benefits, exclusions and conditions of this insurance and cannot evaluate the adequacy of your existing insurance. For questions or complete information on policy benefits, limits and exclusions, please contact CSA at (800) 348-9505 or http://www.travelprotect.com/doc.htm for a sample Description of Coverage or Insurance Policy for this plan.
These plans are administered by CSA Travel Protection and Insurance Services. Services are provided through CSA’s designated providers. Travel Insurance is Underwritten by: Generali U.S. Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) under Policy/Certificate Form series T001. California is Underwritten by Generali Assicurazioni Generali S.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali – U.S. Branch, Oregon is Underwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice, and Virginia is Underwritten by The General Insurance Company of Trieste and Venice – U.S. Branch.
Approval Code A111 14 07