Frequently Asked Questions

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Is it possible to insure pre-existing medical conditions? (Back to Top)

Yes, CSA's Custom Luxe plan accepts pre-existing medical conditions for you, your traveling companions and family members. Moreover, CSA offers its Custom Luxe customers the flexibility to cover pre-existing conditions up to final payment. Pre-existing medical conditions are accepted with our Custom Luxe plan 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 or 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 can assist you with any claims forms needed, as well as provide you with individualized attention you may need. 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 files 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 Custom 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.