Domestic Insurance Description of Coverage
This plan is administered by CSA Travel Protection and Insurance Services.
This is a brief Description of Coverage. This is not your Individual Policy/Certificate of Insurance.
Please call (800) 351-8109 to obtain your Individual Policy in the following states: IL, IN, KS, LA, OR, OH, VT, WA, and WY or your Certificate of Insurance for all other states. Your Individual Policy or Group Policy will govern the final interpretation of any provision or claim. State specific limitations may apply.
Important: Keep this document and carry a copy with you when you travel. If you need to cancel your Trip, contact the company you booked with immediately to cancel your reservation.
SCHEDULE OF COVERAGE AND SERVICES
INSURANCE COVERAGE
(Underwritten by Stonebridge Casualty Insurance Company)
Coverages Maximum Limit per Policy Trip Cancellation. 100% of Trip Cost Insured up to $500.
Travel Delay. $300
($150 per person Daily Limit Applies)
DESCRIPTION OF 24-HOUR EMERGENCY ASSISTANCE SERVICES
(PROVIDED BY CSA’S DESIGNATED PROVIDER)
AVAILABLE SERVICES
Various 24-Hour Emergency Assistance Services are provided along with the CSA Travel Protection plans. A description of all 24-Hour Emergency Assistance Services is contained in this document. The 24-Hour Emergency Assistance Services are only available to persons whose primary residence is in the United States or Canada. This plan is administered by CSA Travel Protection and Insurance Services.
HOW TO CALL THE 24-HOUR EMERGENCY HOTLINE
If you need emergency help for an available service, you can call toll-free 24 hours a day to (866) 922-0278 from within
the United States, or call collect to (202) 974-6480 from around the world.
AVAILABILITY OF SERVICES
You are eligible for informational and concierge services at any time after you purchase this plan.
The Emergency Assistance Services become available when you actually start your trip.
Emergency Assistance, Concierge and Informational Services end the earliest of: midnight on the day the program expires; when you reach your return destination; or when you complete your trip.
EMERGENCY ASSISTANCE SERVICES
• 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
• Vehicle Return
CONCIERGE SERVICES
• City profiles
• Epicurean needs
• Event ticketing
• Flowers and gift baskets
• Golf outings and tee times
• Hotel accommodations
• Meet-and-greet services
• Personalized retail shopping assistance
• Pre-trip assistance
• Procurement of hard-to-find items
• Restaurant reviews and reservations
• Rental car reservations
• Airline reservations
• Pet services locator
INSURANCE COVERAGE
Underwritten by Stonebridge Casualty Insurance Company Coverage is provided to you. This plan is available to U.S. residents. It is also available to non-U.S. residents for travel to the U.S. (if the plan is purchased through a U.S. travel
supplier. You must purchase this plan prior to/or within 24 hours of your final payment for your Covered Trip to qualify for
the Pre-Existing Condition Exclusion Waiver. There is no coverage unless payment has been made for this plan. There is no coverage unless your loss was caused by an unforeseeable event that occurs while coverage is in effect.
TEN DAY FREE LOOK
If you are not satisfied for any reason, you may cancel your coverage within 10 days of your application date or receipt of
this document, whichever is later. A letter indicating your desire to cancel should be sent to us or our authorized agent. If
there has been no incurred covered expense and you haven’t already left on your Trip, you will receive a full refund of your plan cost. After this 10-day free look period, the payment for this plan is non-refundable.
EFFECTIVE DATES OF INSURANCE
Trip Cancellation Effective Dates of Coverage
Trip Cancellation coverage will take effect at 12:01 A.M. Standard Time on the day after the date your premium is received by us or our authorized agent. Trip Interruption coverage will take effect on the Scheduled Departure Date of the Trip.
Coverage for Travel Delay will take effect on the later of:
1. the date the premium has been received by us or our authorized agent; or
2. the date and time you start your Covered Trip; or
3. 12:01 A.M. Standard Time on the Scheduled Departure Date of your Trip.
All coverages automatically end on the earlier of:
1. the date the Covered Trip is completed; or
2. the Scheduled Return Date of the Trip; or
3. your arrival at the return destination on a roundtrip, or the destination on a one-way trip; or
4. cancellation of the Covered Trip.
COVERAGES AND BENEFITS
The following coverage and benefits are a sample of the listed coverage and benefits in your Individual Policy or Certificate of Insurance and are described on a general basis only.
Please call (800) 351-8109 to obtain your Individual Policy in the following states: IL, IN, KS, LA, OR, OH, VT, WA, and
WY or your Certificate of Insurance for all other states. Your Individual Policy or Group Policy will govern the final interpretation of any provision or claim.
This plan covers you for certain unforeseeable events that occur while your coverage is in effect. They include:
Pre-Departure Trip Cancellation Benefits
If you are prevented from taking your Trip for one of the covered reasons below, we will reimburse you, up to the amount
in the Schedule, for the amount of prepaid, forfeited, nonrefundable payments or deposits that you paid for your Trip.
Reasons for Cancellation:
1. Trip Cancellation or delayed arrival at your destination due to Sickness, Injury or death of you, your Family Member or
Traveling Companion that occurs before departure on your Trip. The Sickness or Injury must commence while coverage
is in effect, require the examination by a Physician, in person, at the time of Trip Cancellation or delay and, in the
written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip or delay your arrival
on your Trip;
The following reasons apply to you, a Family Member traveling with you, or a Traveling Companion and must occur
while coverage is in effect:
2. mandatory evacuation or public official evacuation advisements where there is no mandatory evacuation issued by
local government authorities at your destination due to adverse weather or natural disaster. In order to cancel or
interrupt your Covered Trip, you must have 4 days or 50% of your total Covered Trip length or less remaining on your
Covered Trip at the time the mandatory evacuation ends;
3. being directly involved in a documented traffic accident while en route to departure;
4. being called into active military service in the event of a natural disaster;
5. being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal
action;
6. your primary residence is made Uninhabitable by fire, flood or natural disaster.
7. your Accommodation at your destination made Uninhabitable by fire, flood, volcano, earthquake or other natural disaster;
8. Common Carrier delays resulting from inclement weather, mechanical breakdown or organized labor strikes.
9. arrangements cancelled by an airline, cruise line, motor coach company or tour operator resulting from inclement weather, mechanical breakdown, or organized labor strikes;
10. a documented theft of passports or visas;
11. a transfer of employment of 250 miles or more;
12. a Terrorist Act, which occurs in your departure city or in a city that is a scheduled destination for your Trip, provided
the Terrorist Act occurs within 7 days of the Scheduled Departure Date of your Trip;
13. your involuntary termination of employment or layoff that occurs more than 15 days after your effective date and
was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff;
14. your or your Traveling Companion’s or traveling Family Member’s approved, written military leave involuntarily revoked as a result of being temporarily or permanently reassigned, being called to active military reserve or an extension of deployment beyond a defined tour of duty within 30 days of your departure date. All leave must be approved prior to the Policy effective date. Full or partial mobilization or mass reassignment of Armed Forces, invocation of the War Powers Act, base or unit mobilization is not covered;
15. the primary or secondary school where you or your traveling Family Member or Traveling Companion attend(s) must extend its operating session beyond its predefined school year, due to unforeseeable events commencing during the policy effective period, which cause the extension of the predefined school year and the travel dates for the Covered Trip fall within the period of the school year extension. Extensions due to extra-curricular or athletic events are not covered;
16. being unable to undergo an injection, due to a medical reason, which is unexpectedly and suddenly required for entry into a country of destination, provided that such a requirement was unknown at the time travel arrangements were made;
17. are required to take an academic examination on a date that has been fixed after travel arrangements were made,
and the date falls within the period of travel.
TRAVEL DELAY COVERAGE AND BENEFITS
If your Trip is delayed for 6 or more days, we will reimburse you, up to the amount shown in the Schedule, for reasonable additional expenses incurred by you for lodging arrangements, meals, telephone calls and local transportation while you are delayed. We will not pay benefits for expenses incurred after travel becomes possible. Covered events for Travel Delay Benefits include:
Common Carrier delay; loss or theft of your passports, travel documents or money; quarantine; hijacking; natural disaster; inclement weather; a documented traffic accident while you are en route to your destination; unannounced strike; civil disorder; your, your traveling Family Member’s, or Traveling Companion’s Sickness or Injury; your traveling Family Member’s or Traveling Companion’s death.
BAGGAGE AND PERSONAL EFFECTS BENEFITS
We will reimburse you, less any amount paid or payable from any other valid and collectible insurance or indemnity, up to the amount shown in the Schedule, for direct loss, theft, damage or destruction of your Baggage, during your Trip. We will also pay for loss due to the unauthorized use of your credit cards.
Coverage specific exclusions apply. We will not pay more than $200 on losses to jewelry; watches; precious or semiprecious gems; decorative or personal articles consisting in whole or in part of silver, gold, or platinum; cameras and camera equipment; digital or electronic equipment and media; and articles consisting in whole or in part of fur. Items not encluded above are subject to a $200 per item limit.
GENERAL PLAN EXCLUSIONS
The following exclusions are a sample of the listed exclusions in your Individual Policy or Certificate of Insurance and are described on a general basis only. Please call (800) 351-8109 to obtain your Individual Policy in the following states: IL, IN, KS, LA, OR, OH, VT, WA, and WY or your Certificate of Insurance for all other states. Your Individual Policy or Group Policy will govern the final interpretation of any provision or claim.
The following exclusion applies to all coverages:
We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, including death that results therefrom. This Exclusion does not apply to benefits under Covered Expenses item 1, 2 or 6 of the Emergency Assistance Benefits coverage.
The following exclusions apply to all coverages:
We will not pay for any loss under the plan caused by, or resulting from:
1. your, your Traveling Companion’s, or Family Member’s suicide, attempted suicide, or intentionally self-inflicted injury, while sane or insane (while sane in CO & MO);
2. mental, nervous, or psychological disorders;
3. being under the influence of drugs or intoxicants, unless prescribed by a Physician;
4. normal pregnancy or resulting childbirth or elective abortion;
5. participation as a professional in athletics;
6. participation in organized amateur and interscholastic athletic or sports competition or events;
7. riding or driving in any motor competition;
8. declared or undeclared war, or any act of war;
9. civil disorder (does not apply to Travel Delay);
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 in effect under the Policy.
SCHEDULED DEPARTURE DATE means the date on which you are originally scheduled to leave on your Covered Trip.
SCHEDULED RETURN DATE means the date on which you are originally scheduled to return to the point where the Covered Trip started or to a different final destination.
SICKNESS means an illness or disease of the body, which requires examination and treatment by a Physician.
TRAVELING COMPANION means a person whose name(s) appear(s) with you on the same Covered Trip arrangement
and who, during the Covered Trip, will accompany you.
USUAL AND CUSTOMARY CHARGE means those charges for necessary treatment and services that are reasonable for
the treatment of cases of comparable severity and nature.
This will be derived from the mean charge based on the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 100th percentile and the Anesthesia Relative Value Guide.
WHERE TO PRESENT A CLAIM
All claims should be presented to the Program Administrator:
CSA Travel Protection
P.O. Box 939057
San Diego, CA 92193-9057
(800) 541-3522 (Toll-Free)
CLAIMS AND GENERAL PROVISIONS
The following provisions are a sample of the provisions in your Individual Policy or Certificate of Insurance and are described on a general basis only. Please call (800) 351-8109 to obtain your Individual Policy in the following states: IL, IN, KS, LA, OR, OH, VT, WA, and WY or your Certificate of Insurance for all other states. Your Individual Policy or Group
Policy will govern the final interpretation of any provision or claim.
Concealment or Fraud We do not provide coverage if you have intentionally concealed or misrepresented any material fact or circumstance relating to the coverage.
Notice of Claim We must be given written notice of claim within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. Notice may be given to us or to our authorized agent. Notice should include the claimant’s name and enough information to identify him or her.
ACCIDENT means a sudden, unexpected, unintended and external event, which causes Injury.
ACCOMMODATION means any establishment used for the purpose of temporary, overnight lodging for which a fee is paid and reservations are required.
BAGGAGE means luggage, personal possessions and travel documents taken by you on the Covered Trip.
COVERED TRIP (or TRIP) means a period of round-trip travel away from Home to a destination outside your city of residence;
the purpose of the trip is business or pleasure and is not to obtain health care or treatment of any kind; the trip has defined departure and return dates specified when you enrolls; the trip does not exceed 180 days.
FAMILY MEMBER includes your or your Traveling Companion’s dependent, spouse, child, spouse’s child, son/daughter in-law, parent(s), sibling(s), grandparent(s), grandchild, step-brother/sister, step-parent(s), parent(s)-in-law, brother/ sister-in-law, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster child, or ward.
FINANCIAL INSOLVENCY means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary.
INJURY means bodily harm caused by an Accident which: 1) occurs while your coverage is in effect under the plan; and 2) requires examination and treatment by a Physician.
OTHER VALID AND COLLECTIBLE GROUP INSURANCE
means any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through an employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the usual and customary value of each service rendered will be considered a Covered Expense.
PHYSICIAN means a person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of your license for the service or treatment given and may not be you, a Traveling Companion, or a Family Member.
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 who 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 prescription drugs or medicine.
10. service in the armed forces of any country (does not apply to #4 or #14 of Reasons for Cancellation and interruption);
11. nuclear reaction, radiation or radioactive contamination;
12. operating or learning to operate any aircraft, as pilot or crew;
13. mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing or travel on any air supported device, other than on a regularly scheduled airline or air charter company;
14. any unlawful acts, committed by you, a Traveling Companion or Family Member traveling with you (whether insured or not);
15. any amount paid or payable under any Worker’s Compensation, disability benefit or similar law;
16. a loss or damage caused by detention, confiscation or destruction by customs;
17. Elective Treatment and Procedures;
18. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
19. bankruptcy, Financial Insolvency, default or failure to supply services by a travel supplier;
20. business, contractual, or educational obligations of you, a Family Member, or Traveling Companion (does not apply to #13, #15, or #17 of Reasons for Cancellation and interruption);
21. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained for travel arrangements;
22. a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you.
PRE-EXISTING CONDITION EXCLUSION WAIVER
The Pre-Existing Condition exclusion will be waived provided you meet all of the following:
1. the payment for this plan is received prior to/or within 24 hours of your final payment for your Covered Trip; and
2. you are not disabled from travel at the time you make your plan payment; and
3. you insure 100% of all prepaid Covered Trip costs that are subject to cancellation pentalties or resrictions.
DEFINITIONS
The following definitions are a sample of the defined terms in your Individual Policy or Certificate of Insurance and are described on a general basis only. Please call (800) 351-8109 to obtain your Individual Policy in the following states: IL, IN, KS, LA, OR, OH, VT, WA, and WY or your Certificate of Insurance for all other states. Your Individual Policy or Group Policy will govern the final interpretation of any provision or claim.
Proof of Loss Written proof of loss must be sent to us within 90 days after the date the loss occurs. We will not reduce or deny a claim if it was not reasonably possible to give us written proof of loss within the time allowed. In any event, you must give us written proof of loss within twelve (12) months after the date the loss occurs unless you are legally incapacitated.
Duplication of Coverage You may only purchase one plan from us for each Covered Trip. If more than one plan is purchased for any Trip, the maximum limit of coverage payable will be from the plan with the highest level of benefit. We will refund plan payments received for any other plan for the specific Trip.
Our Right to Recover From Others We have the right to recover any payments we have made from anyone who may be responsible for the loss. You and anyone else we insure must sign any papers and do whatever is necessary to transfer this right to us.
TRAVEL INSURANCE IS UNDERWRITTEN BY
Stonebridge Casualty Insurance Company an AEGON company, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under Policy/Certificate Form series TAHC5000. 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 #’s TAHC5100IPS and
TAHC5200IPS. Certain coverages are under series TAHC6000 and TAHC7000.
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