Why Buy Travel Protection?

Even the best planned vacation can be impacted by the unexpected. Illness…severe weather…car problems…delayed flights…lost luggage. Troubles can occur when you least anticipate them forcing you to cancel or interrupt your trip, lose your vacation investment and incur unplanned expenses. To further complicate things, when you are away from home, things like medical emergencies and illness are even more difficult to manage.

CSA Travel Protection is there whenever and wherever you need us to protect your hard-earned vacation investment and provide the comfort and security you need to enjoy your trip. Travel Protection provides important insurance coverage, 24-hour emergency assistance services and concierge services to take care of you while traveling and to safeguard your vacation.

Insurance Coverages
(Underwritten by Stonebridge Casualty Insurance Company)
Coverage	Maximum Limit Per Person
Trip Cancellation	100% of Trip Cost
Trip Interruption	100% of Trip Cost
Travel Delay ($200 Daily Limit)	$600
Medical or Dental Expense	$10,000
Baggage and Personal Effects	$1,500
Baggage Delay	$500
Emergency Assistance (Emergency Medical Transportation)	$50,000

24-Hour Emergency Assistance Services (Provided by CSA’s designated provider)
Call CSA’s 24-hour Worldwide Emergency Hotline For
• Traveling Companion Assistance	• Medical Referral
• Locating Lost or Stolen Items	• Legal Referral
• Replacement of Medication and Eyeglasses	• Embassy and Consular Services
• Emergency Cash Transfer	• Pet Return
• Interpretation/Translation	• Vehicle Return
• Worldwide Medical Information	• Emergency Message relay

Cancel For Any Reason - Optional Coverage
Provides reimbursement up to 100% of non-refundable trip cost when you cancel for any reason. Available for purchase at initial deposit.
If cancellation penalty amount is	Percentage of penalty amount payable is
Up to 25% of trip cost	100% of penalty amount
26% to 50% of trip cost	90% of penalty amount
51% to 75% of trip cost	80% of penalty amount
Over 76% of trip cost	70% of penalty amount

Trip Cost Per Reservation	Plan Rates Per Reservation	With Cancel for any Reason
$1 - $500	$36.99	$55.49
$501 - $1,000	$62.99	$94.49
$1,001 - $1,500	$89.99	$175.49
$1,501 - $2,000	$116.99	$175.49
$2,001 - $2,500	$144.99	$217.49
$2,501 - $3,000	$172.99	$258.73
$3,001 - $3,500	$199.99	$299.99
$3,501 - $4,000	$229.99	$344.99
$4,001 - $4,500	$259.99	$389.99
$4,501 - $5,000	$289.99	$434.99
$5,001 - $6,000	$349.99	$524.99
$6,001 - $7,000	$409.99	$614.99
$7,001 - $8,000	$469.99	$704.99
$8,001 - $9,000	$529.99	$794.99
$9,001 - $10,000	$589.99	$884.99

Note: For higher trip costs or trips greater than 31 days in length, please contact CSA customer service.
Cancel For Any Reason Coverage, add 50 of Rate Per Reservation.

10-Day Free Look

We stand behind our products and services. We offer a 10-day Free Look on our travel protection plans. You’ll have that ability to cancel your coverage and receive a full refund if you aren’t completely satisfied — as long as you haven’t left for your trip.

Insurance Coverages

(Underwritten by Stonebridge Casualty Insurance Company)

Trip Cancellation and Trip Interruption

Provides reimbursement for unused, non-refundable trip cost. Trip Interruption also provides reimbursement
for additional transportation costs. Some examples of covered reasons include:

• Covered Sickness, Injury, or death of you, a Family Member, Domestic Partner or Traveling Companion
  
• being directly involved in a documented traffic accident while en route to departure
  
• your Home made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster
  
• a documented theft of passports or visas
  
• a Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip, provided the Terrorist Act occurs within 7 days of the Scheduled Departure Date for your Covered Trip.

Travel Delay

Provides coverage if you are delayed during a trip for more than 6 hours due to any of the covered reasons below:

• Common Carrier delay
  
• Loss or theft of your passport(s), travel documents or money
  
• Natural disaster or adverse weather
  
• A documented traffic accident while you are en route to departure
  
• Unannounced strike
  
• A Family Member traveling with you or a Traveling Companion’s Injury, Sickness or death
  
• Your Injury or Sickness

Baggage and Personal Effects

Provides reimbursement for Baggage or other personal effects that are lost, damaged or stolen while on your trip.

Baggage Delay

Provides coverage for the emergency purchase of essential items if your Baggage is delayed for more than 24 hours during your trip.

Medical or Dental Expense

Provides coverage for the necessary medical, surgical and emergency dental care costs, in excess of your standard coverage, if you become sick or accidentally injured while on a trip, in excess of your standard coverage.

Accidental Death and Dismemberment

Provides coverage for loss of life and loss of limbs in the event of an accident while traveling, or within the 180 days of that event.

Emergency Assistance (Emergency Medical Transportation)

If you become sick or injured on a trip, Emergency Assistance will provide benefits such as: arrange transportation to the nearest suitable medical facility; help you return Home, if medically necessary; provide round-trip economy air fare for a companion to visit if you are traveling alone and hospitalized for more than 7 days.

Pre-Existing Condition

means an illness, disease, or other condition during the 60-day period immediately prior to your effective date for which you or your Traveling Companion or Family Member is scheduled or booked to travel with you:

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 which 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 60-day period before coverage is effective under this Policy.

Waiver of the Pre-Existing Condition Exclusion

The Pre-Existing Condition Exclusion is waived provided you meet all of the following requirements:

1. the payment for this plan is received with or before the final payment for your Covered Trip; and


2. you are not disabled from travel at the time you make your plan payment; and


3. the booking for the Covered Trip must be the first and only booking for this travel period and destination.

24-Hour Emergency Assistance Services

(Underwritten by Stonebridge Casualty Insurance Company)

Medical Referral

If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local qualified doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest.

Traveling Companion Assistance

If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home.

Emergency Cash Transfer

If your cash or traveler’s checks are lost or stolen, or unanticipated emergency expenses are incurred, the assistance provider will help arrange for an emergency cash transfer in currency, traveler’s checks, or other forms as deemed acceptable by the assistance provider. The assistance provider will advance up to $500 after satisfactory guarantee of reimbursement from you.

Legal Referral

The assistance provider will locate attorneys available during regular working hours. Assistance will also be provided to advance bail bond, where permitted by law. You are responsible for contracted legal fees.

Locating Lost or Stolen Items

The assistance provider will assist in locating and replacing lost or stolen luggage, documents and personal possessions.

Replacement of Medication and Eyeglasses

The assistance provider will arrange to fill a prescription that has been lost, stolen or requires a refill, subject to local law, whenever possible. The assistance provider will also arrange for shipment of replacement eyeglasses. Costs for shipping of medication or eyeglasses, or a prescription refill, etc. are your responsibility. The refill may require a visit to a local physician. You should be prepared to furnish the assistance provider with a copy of your original prescription and/or the name and phone number of your regular attending physician.

Embassy and Consular Services

The assistance provider will provide referrals to travelers needing the assistance of U.S. embassies and consulates.

Worldwide Medical Information

The assistance provider can provide necessary inoculation and vaccination information, and detailed general health and medical descriptions of destinations around the world.

Interpretation/Translation

The assistance provider will assist with telephone interpretation in all major languages or will refer you to an interpretation or translation service for written documents.

Emergency Message Relay

Emergency messages can be relayed to and from friends, relatives, personal physicians and employers.

Pet Return

The assistance provider will arrange for the return of your pet to your home if your pet is traveling with you and you are unable to take care of your pet due to a medical emergency.

Vehicle Return

The assistance provider will make arrangements to have a designated person or provider return your vehicle to your home (or your rental vehicle to the closest rental agency) if you experience a medical emergency or mechanical problems, which prevent you from driving the vehicle.

This plan is administered by CSA Insurance Services. Travel Insurance is underwritten by Stonebridge Casualty Insurance Company, Columbus, Ohio; NAIC #10952 (all states except as otherwise noted) Policy/Certificate Form series TAHC5000, TAHC6000 and TAHC7000. 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 TAHC5100IPS and TAHC5200IPS

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