WHY CHOOSE CSA?

CSA sells products that are more accurately described as "travel protection" rather than "travel insurance." This is because CSA products consist of insurance and non-insurance components bundled together in a single, comprehensive package. Examples of non-insurance services that CSA offers include Emergency Hotline services.

What does a travel protection plan cover?

CSA travel protection plans cover many unforeseen circumstances that may force you to cancel or interrupt. These include sickness, injury, death and others. In addition, CSA plans provide protection for unexpected events that may occur during your trip. Below is a list of the different coverages that can be found in your VACATION GUARANTEE PLAN. Please refer to the Certificate (or Policy) of Insurance for each plan's specific coverages.

 Trip Cancellation/Trip Interruption
 Travel Delay
 Baggage Loss
 Baggage Delay/Damage
 Medical & Dental Expense
 Damage To Your Rental Car (Not available in all states.)
 Air Flight Accident
 Emergency Assistance Services

Why is travel protection important?

Travel protection 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 protection gives you confidence while on your trip. With travel protection, numerous unexpected situations may be covered that can save you a lot of time, money and frustration.

What are the "non-insurance" services?

"Non-insurance" services are our Emergency Hotline Services available worldwide -- 24 hours a day, 7 days a week. When you are insured with CSA, you have access to our Emergency Hotline, at no additional cost. Our services can assist with medical and legal referrals, personal travel and help in replacing lost travel documents and tickets, etc.

I was told that my homeowners', medical and auto insurance policies or credit cards would provide me adequate protection during my trip. Is this true?

Between the various auto, medical, homeowners', and credit card benefits, most travelers mistakenly believe they will be completely covered by one of these should something happen on their trip.

Unfortunately, many find out at the worst time that they have to spend more money in deductibles and co-payments before receiving any compensation. Below is a brief summary on what is covered by various insurance policies on a trip:

• Credit Cards: Provides limited car rental, accidental life and medical coverage. Insureds typically have to pay for the trip with their credit card in order to receive benefits. CSA offers comprehensive protection no matter how the trip is purchased.
• Homeowners: Used to cover baggage and other personal items. Insureds typically have to pay large deductibles before any disbursements are made. CSA Baggage Coverage has no deductibles.
• Medical: When a traveler leaves their medical plan's network area, they may be subject to increased deductibles, co-payments and in some cases, have little to no coverage at all. CSA Medical Coverage is in excess of a traveler's primary medical coverage.
• Auto: Many policies do not provide coverage outside of the United States, and you still have to pay a deductible. CSA Rental Car Damage Coverage is primary and worldwide with no deductibles. (Not available in all states. Call for availability.)

CSA combines the above into a single comprehensive product without charging deductibles or co-pays. CSA plans can save you time and money by saving you from filing claims with multiple insurance suppliers.