Frequently Asked Questions


What is a covered event? (Back to Top)

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.

When can I buy coverage? (Back to Top)

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? (Back to Top)

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? (Back to Top)

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.

What's available to me before, during and after my trip? (Back to Top)

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.

Can my traveling companions and I be insured on the same policy? (Back to Top)

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.

May I add coverage to my policy after I purchase it? (Back to Top)

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.

What if I change my mind? (Back to Top)

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? (Back to Top)

"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? (Back to Top)

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.

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