Travel insurance and travel assistance services built with your needs in mind.

Pre-Existing Medical Conditions accepted until final payment!

CSA Travel Protection^® insures millions of travelers each year, with the right no-hassle coverage before, during and after your next trip.

CSA's Freestyle Luxe plan is built for families and other travelers who value common-sense coverage and higher benefit limits for which other providers may charge extra.

NEW - No out-of-pocket medical expenses, under $1,000 within provider network
NEW - Missed connection coverage
NEW - Cancel for business reasons
NEW - Adventure travel accepted (mountaineering, rock climbing, sky diving, hang gliding, bungee jumping)
Collision Damage Waiver coverage included, with no deductible

A CSA Travel Protection Exclusive! Pre-Existing Medical Conditions accepted prior to or within 24 hours of final trip payment.

If you develop an acute illness while on your covered trip, a one-time medical expense will be paid for treatment under $1,000 when using CSA's designated provider network of 30,000 physicians and 850,000 service providers worldwide.

If you develop an acute illness while on your trip that requires treatment by a physician, you should first call the Emergency Hotline to obtain the name of a local qualified physician in the assistance provider’s network. If an in-network physician is available, the assistance provider will schedule the medical visit and guarantee payment to the physician for a one-time medical visit not to exceed $1000. This service is only available provided there is coverage for the acute illness under the Accident and Medical Expense coverage and is subject to all restrictions, limitations and exclusions provided in the policy. This service is not applicable to expenses for emergency dental treatment.

Through CSA's designated provider

All it takes is a toll-free phone call from anywhere in the world for immediate 24-hour service.

Services include Medical Referral, Traveling Companion Assistance, Emergency Cash Transfer, Legal Referral, Locating Lost or Stolen Items, Replacement of Medication and Eyeglasses, Embassy and Consular Services, Worldwide Medical Information, Interpretation/Translation, Emergency Message Relay, Pet Return and Vehicle Return.

Through CSA's designated provider
Note: Identity Theft Resolution does not provide assistance for thefts involving non-US bank accounts.

Included for six months starting on the scheduled departure date.

Through CSA's designated provider

Provides assistance with arranging sporting, amusement park and entertainment ticketing, fine-dining reservations and golf tee times.

Bankruptcy means the filing of a petition for voluntary or involuntary bankruptcy in a court of competent jurisdiction under Chapter 7 or Chapter 11 of the United States Bankruptcy Code 11 L.S.C. Subsection 101 et. seq. Default means the inability to provide contracted services due to a material financial failure.

This product will provide coverage for unforeseeable Bankruptcy or Default of the travel supplier if the client purchases the policy prior to/or within 24 hours of their final trip payment (not scheduled final payment).

This benefit will guarantee that, at a minimum, you will be refunded the cost of your plan if you cancel for any reason (covered or not). In order to be eligible for this benefit you must purchase this plan prior to or within 24 hours of final trip payment and all travelers insured on the plan will need to cancel the trip. This premium only will be applicable to the base plan only and will not apply to any additional up sell premium.

Provides additional business related reasons for Trip Cancellation and Interruption. Included if purchased prior to or within 24 hours final trip payment.

This product will contain business related perils.

1. an Insured or Traveling Companion is required to work during the Covered Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required.
2. an Insured’s or Traveling Companion’s place of employment is rendered unsuitable for business due to burglary, fire, flood, volcano, earthquake, hurricane, or other natural disaster and the Insured or Traveling Companion is required to work as a result.
3. an Insured or Traveling Companion is directly involved in the merger of his or her employer or the acquisition of his or her employer by another company.

Provides reimbursement up to 100% of non-refundable pre-paid trip cost if you cancel your trip for any reason up to 48 hours before your scheduled departure date. Only available if purchased prior to or within 24 hours of initial trip deposit and coverage is purchased for 100% of all pre-paid Covered Trip costs.

The client may choose to purchase this benefit for an additional 50% of premium. If 20/20 discount is applicable, Cancel for Any Reason premium should be calculated prior to applying the discount.

In order to qualify for the Cancel for Any Reason benefit, the following stipulations must be met:

1. Must purchase benefit prior to or within 24 hours of initial deposit.
2. Insured not medically disabled at time of purchase.
3. Coverage purchased for 100% of all prepaid costs.
4. Max trip cost per person of $10,000.
5. Insured must cancel the trip more than 48 hours prior to the Scheduled Departure Date.
6. Cancel for Any Reason payment is subject to the following payment percentage relative to the applicable cancellation penalty.

A $6 administration fee is included on every policy.

Pre-existing Condition means any Injury, Sickness or condition of the Insured or Traveling Companion, or Family Member for which within the 180-day period prior to the Insured’s Effective Date under this Policy which a) manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; or b) required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or c) required Medical Treatment or treatment was recommended by a Legally Qualified Physician.

Benefits are not payable for losses caused by or resulting from:
1. suicide, attempted suicide or any intentionally self inflicted injury (except as a result of a mental or nervous disorder in CT) while sane or insane (while sane in CO & MO);
2. mental, nervous, or psychological disorders;
3. an act of declared or undeclared war;
4. participating in maneuvers or training exercises of an armed service;
5. riding, driving or participating in races, or speed or endurance contests;
6. participating as a member of a team in an organized sporting competition;
7. piloting or learning to pilot or acting as a member of the crew of any aircraft;
8. being Intoxicated or under the influence of any controlled substance unless administered on the advise of a Legally Qualified Physician;
9. a contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation;
10. normal childbirth, normal pregnancy (except complications of pregnancy) or voluntary induced abortion;
11. a Pre-existing Condition, as defined in this policy. The Pre-existing Condition Limitation does not apply to: a) Emergency Medical Evacuation, Medical Repatriation and Return of Remains coverage, Accidental Death & Dismemberment, Baggage and Personal Effects, Baggage Delay and Collision Damage Waiver; or b) to coverage purchased prior to or within 24 hours of the final payment for the Covered Trip and if the Insured is medically able to travel when payment is made for the insurance;
12. loss or damage (including death or Injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto;
13. participation as a professional in athletics;
14. riding or driving in any motor competition;
15. civil disorder (does not apply to Trip Delay);
16. any amount paid or payable under any Worker’s Compensation, Disability Benefit or similar law;
17. elective treatment and procedures;
18. Medical Treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing Medical Treatment;
19. business, contractual or education obligations;
20. failure of any tour operator or other Travel Supplier, person or agency to provide the bargained-for Travel Arrangements;
21. a loss that results from an illness, disease, or other condition, event or circumstance that occurs at a time when the plan is not in effect for you.

• The maximum trip length for this product is 365 days.

“Thank you for your outstanding service. When we first decided to take this trip we struggled with whether or not to purchase travel insurance. You never think something will happen to you.

Unfortunately, something happened to us. CSA did an outstanding job. From the moment the incident occurred, your representatives were nothing but caring, professional and prompt. Your representatives cared about the people more than anything.”

- Robert Rink, February 9, 2008

“We want to thank you for the timely, patient, efficient, and friendly handling of our case. From the first emergency call from the ship to the letter and all the customer assistance conversations...We were so pleased that we got our unused trip money back plus our out-of-pocket medical expenses back. We were so stressed out by the injury/accident on our cruise, you cannot imagine our relief when your company responded the way you did.” - Jesus Castillo, February 11, 2008

“Thank you so much for your prompt refund...I have always wondered if paying the extra money for the insurance was worth it, and what a hassle it would be to collect. You have proved to me that it is very much worth it and it keeps my thoughts on using it positive. I will always use it from now on. Thank you for making this experience as pleasant as it could be.”
- Janis Reed, February 10, 2008

Covered Sickness, Injury, death of you, a Family Member or Traveling Companion

Common Carrier delays for at least 24 consecutive hours resulting from Inclement Weather, mechanical breakdown, or unannounced Strikes

Bankruptcy or Default of a travel supplier (when purchased by final trip payment)

Jury Duty

Your primary residence or accommodations at your destination are made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster

Being involved in a traffic accident while en route to departure

Mandatory hurricane evacuations at your destination

Being called into emergency military duty for a national disaster (other than war)

A documented theft of passports or visas

A transfer of employment of 250 miles or more

Your involuntary termination of employment or layoff after you’ve been working with the same employer for 3 years

A Terrorist Incident that occurs in a city listed on the itinerary for the Insured’s Covered Trip and within 7 days prior to the Insured’s Scheduled Departure Date

An Insured or Traveling Companion is required to work during the covered trip. A written statement by a company officer and or the human resources department demonstrating revocation of previously approved time off will be required.

CSA Travel Protection^® will provide a refund of your insurance premium if you cancel your insurance within 10 days of purchase and have not filed a claim or departed on your trip.

CSA is committed to providing the best customer service in the industry. Representatives are available seven days a week with 24-hour coverage. Calls are answered live, without an automated phone attendant.

Get 20% off the policy cost when purchased within 20 days of departure. A discount of 20% off of the consumer premium will be applied if the policy is purchased within 20 days of departure. This discount only applies to the base plan, not the additional optional premium.

CSA Travel Protection is dedicated to providing value-driven travel insurance and emergency assistance services to protect your investment and provide the peace of mind you deserve while traveling.

Since its inception in 1991, CSA has developed a reputation for standing behind its customers and evolving products and services to meet their needs. Through superior customer service, extensive experience and industry-leading innovation, CSA is with you every step of the way – whenever and wherever you need them.

Travel Insurance Is Underwritten By:
United States Fire Insurance Company under Policy/Certificate series TP-401. This plan is administered by CSA Travel Protection and Insurance Services.

United States Fire Insurance Company is Rated “A-Excellent” by A.M. Best Company^® for financial strength and operating performance
(Ratings and analysis for 2007)