Description of Coverage
(1STA DOC) 9625-0210
Description of Coverage
PLAN CODE 1STA
SCHEDULE OF COVERAGE AND SERVICES
INSURANCE COVERAGE
(Underwritten by Stonebridge Casualty Insurance Company)
Coverages
Maximum Limit per Person
Trip Cancellation . . . . . . . . . . . . .100% of Trip Cost Insured
(up to $20,000)
Trip Interruption . . . . . . . . . . . . . .100% of Trip Cost Insured
(up to $20,000)
Travel Delay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$500
($150 Daily Limit Applies)
Baggage and Personal Effects . . . . . . . . . . . . . . . . . $1,500
Baggage Delay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$500
Medical or Dental Expense . . . . . . . . . . . . . . . . . $100,000
Accidental Death & Dismemberment . . . . . . . . . . . $20,000
Air Flight Accident . . . . . . . . . . . . . . . . . . . . . . . . . $50,000
Emergency Assistance . . . . . . . . . . . . . . . . . . . . $250,000
(Emergency Medical Transportation)
This is a brief Description of Coverage. This is not your Policy/Certificate of Insurance. Please visit www.csatravelprotection.com/1STA or 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.
If, while on your trip, you should need to extend your pre-defined travel dates, please contact STA at (800) 777 - 0112.
Important: Keep this document and carry a copy with you when you travel. If you need to cancel your Trip, contact STA Travel immediately to cancel your
reservation.
This plan is administered by CSA Travel Protection and Insurance Services.
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 Assis-
tance 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 (877) 628-9583 from within the United States, or call collect
to (240) 330-1526 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.
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ON DEMAND MEDICAL SERVICES
Consult A Doctor™
Connect instantly with a network of physicians for information, advice, and treatment, including prescription medication, when appropriate, by calling
CSA’s 24-Hour Emergency Hotline.
No Out Of Pocket Medical Expense
If you develop an acute illness while on your covered trip, a one-time medical expense will be paid for treatment up to $1,000 when you call the 24-Hour
Emergency Hotline and use CSA’s designated provider network of 30,000 physicians and 850,000 service providers worldwide.
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 pur-
chased 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.
YOUR SATISFACTION IS GUARANTEED
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 STA Travel. 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.
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EFFECTIVE DATES OF INSURANCE
Trip Cancellation and Trip Interruption 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 STA Travel. Trip Interruption
coverage will take effect on the Scheduled Departure Date of the Trip.
Coverage for Travel Delay, Baggage and Personal Effects, Baggage Delay, Medical or Dental Expense, Accidental Death and Dismemberment, Air
Flight Accident, and Emergency Assistance will take effect on the later of:
1. the date the premium has been received by 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 Policy or Certificate of Insurance and are described on a
general basis only. Please visit www.csatravelprotection.com/1STA or call (800) 351-8109 to obtain your Policy or Certificate of Insurance, which
will govern the final determination 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, non-refundable payments or deposits that you paid for your Trip.
Post-Departure Trip Interruption Benefits
If you are delayed beyond the Scheduled Departure Date or are unable to continue your Trip for one of the covered reasons below, we will reimburse you,
less any refund paid or payable, for unused land or water travel arrangements, plus one of the following additional transportation expenses:
1. from the point you interrupted your Trip to the next scheduled destination where you can catch up to your Trip or to the final destination of your Trip;
2. expenses incurred by you to reach the next scheduled destination where you can catch up to your Trip if you leave after the Scheduled Departure Date
of your Trip.
Reasons for Cancellation and Interruption:
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.
2. Trip Interruption due to Sickness, Injury or death of you, your Family Member or Traveling Companion. The Sickness or Injury must commence while you
are on your Covered Trip, require the examination by a Physician, in person, at the time of Trip Interruption and, in the written opinion of the treating
Physician, be so disabling as to prevent you from continuing 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:
3. 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;
4. being directly involved in a documented traffic accident while en route to departure;
5. being called into active military service in the event of a natural disaster;
6. being hijacked, quarantined (except as a result of a pandemic or epidemic), required to serve on a jury, or required by a court order to appear as a
witness in a legal action;
7. your primary residence is made Uninhabitable by fire, flood or natural disaster;
8. your Accommodation at your destination made Uninhabitable by fire, flood, volcano, earthquake or other natural disaster;
9. Common Carrier delays resulting from inclement weather, mechanical breakdown or organized labor strikes;
10. arrangements cancelled by an airline, cruise line, motor coach company or tour operator resulting from inclement weather, mechanical breakdown, or
organized labor strikes;
11. arrangements cancelled by a tour operator, cruise line, airline rental car company, hotel, condominium, railroad, motor coach company , or other sup-
plier of travel services, resulting from Financial Insolvency provided you have purchased this plan prior to/or within 24 hours of your final payment;
12. a documented theft of passports or visas;
13. a transfer of employment of 250 miles or more;
14. 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;
15. 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;
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16. 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;
17. 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;
18. 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;
19. 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 hours or more, 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 (except as a result of a pandemic); hijacking; natural disas-
ter; 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 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.
Baggage Delay Benefits
We will reimburse you, up to the amount in the Schedule, for the cost of additional clothing and personal articles purchased by you, if your Baggage is
delayed for 24 hours or more during your Trip. We will also reimburse you up to $25 to expedite the return of your Baggage.
Accidental Death & Dismemberment Benefits
We will pay this benefit up to the amount in the Schedule if you are injured in an Accident, which occurs while you are on a Covered Trip, and suffer one of
the losses listed in your Policy or Certificate of Insurance within 180 days of the Accident.
Note: Maximum Percentage of Principal Sum Payable is 100% for the loss of Life, Both Hands, Both Feet, Sight of Both Eyes, One Hand and One Foot,
One Hand and Sight of One Eye, One Foot and Sight of One Eye. Maximum Percentage of Principal Sum Payable is 50% for the loss of One Hand, One
Foot or Sight of One Eye.
Air Flight Accident Benefits
We will pay this benefit up to the amount in the Schedule if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding
or alighting from an aircraft of a regularly scheduled airline or air charter company that is licensed to carry passengers for hire.
Medical and Dental Expense Benefits
We will pay this benefit, up to the amount on the Schedule, for the following Covered Expenses incurred by you.
1. Physician-ordered medical services incurred by you within one year from the date of your Sickness or Injury that occurs during the Covered Trip;
2. expenses for emergency dental treatment incurred during the Covered Trip.
Medical and Dental Expense Benefits are subject to the following:
Covered Expenses will only be payable at the Usual and Customary level of payment; benefits will be payable only for Covered Expenses resulting from
a Sickness that first manifests itself or an Injury that occurs while on a Trip; and benefits payable as a result of incurred expenses will only be paid after
benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you.
Emergency Assistance Benefits
We will pay this benefit, up to the amount in the Schedule, for the following Covered Expenses incurred by you while on a Covered Trip;
1. Physician-ordered emergency medical evacuation to the nearest suitable Hospital;
2. non-emergency medical evacuation to your primary or secondary residence when deemed necessary by a Physician;
3. economy-class round-trip airfare to the Hospital for one person chosen by you, provided that you are traveling alone and are hospitalized for more than
7 days;
4. economy-class airfare to your primary or secondary residence including escort expenses, if you are 18 years of age or younger and left unattended due
to the death or hospitalization of an accompanying adult;
5. economy-class airfare to your primary or secondary residence from a medical facility to which you were previously evacuated, less any refunds paid or
payable from your unused transportation tickets;
6. repatriation expenses for preparation and air transportation of your remains to your primary or secondary residence.
Emergency Assistance Benefits are subject to the following:
Covered Expenses will only be payable at the Usual and Customary level of payment; benefits will be payable only for Covered Expenses resulting from
a Sickness that first manifests itself or an Injury that occurs while on a Trip; and benefits payable as a result of incurred expenses will only be paid after
benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. Covered Expenses items 1, 2 and 4 above are subject to
the program medical advisor’s prior approval.
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GENERAL PLAN EXCLUSIONS
The following exclusions are a sample of the listed exclusions in your Policy or Certificate of Insurance and are described on a general basis only. Please
visit www.csatravelprotection.com/1STA or call (800) 351-8109 to obtain your Policy or Certificate of Insurance, which will govern the final determina-
tion of any provision or claim.
The following exclusion applies to Accidental Death and Dismemberment and Air Flight Accident coverages:
We will not pay for a loss caused by or resulting from Sickness of any kind.
The following exclusion applies to all coverages except Baggage Delay and Baggage and Personal Effects:
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.
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.
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 re-
mains 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.
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 cancelltion penalties.
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. declared or undeclared war, or any act of war;
6. civil disorder (does not apply to Travel Delay);
7. service in the armed forces of any country;
8. nuclear reaction, radiation or radioactive contamination;
9. any unlawful acts, committed by you, a Traveling Companion or Family Member traveling with you (whether insured or not);
10. any amount paid or payable under any Worker’s Compensation, disability benefit or similar law;
11. a loss or damage caused by detention, confiscation or destruction by customs;
12. Elective Treatment and Procedures;
13. pandemic and/or epidemic;
14. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
15. Financial Insolvency of the person, organization or firm from whom you directly purchased or paid for your Covered Trip, Financial Insolvency which
occurred, or for which a petition for bankruptcy was filed by a travel supplier, before your effective date for the Trip Cancellation Benefits, or Financial
Insolvency which occurs within 14 days following your effective date for the Trip Cancellation Benefits;
16. business, contractual, or educational obligations of you, a Family Member, or Traveling Companion;
17. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
18. 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.
DEFINITIONS
The following definitions are a sample of the defined terms in your Policy or Certificate of Insurance and are described on a general basis only. Please
visit www.csatravelprotection.com/1STA or call (800) 351-8109 to obtain your Policy or Certificate of Insurance, which will govern the final determina-
tion of any provision or claim.
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 the Insured
enrolls; the trip does not exceed 395 days.
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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 treat-
ment 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 his/her license for the service or treatment given and may not be you, a Traveling Companion, or a Family Member.
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 com-
parable 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 Policy or Certificate of Insurance and are described on a general basis only. Please visit
www.csatravelprotection. com/1STA or call (800) 351-8109 to obtain your Policy or Certificate of Insurance, which will govern the final determination
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.
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. All coverages and benefits outlined in this plan are primary to those that may be available under your ISIC card.
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, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under 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 #’s TAHC5100IPS and TAHC5200IPS.
12013338
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for certificate/policy inquiries, requests or
customer service call:
(800) 351-8109
for emergency assistance
24 hours
a day during your trip, call:
IN THE U.S.
(877) 628-9583
COLLECT WORLDWIDE
(240) 330-1526
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Description of Coverage
PLAN CODE 1STA
SCHEDULE OF COVERAGE AND SERVICES
INSURANCE COVERAGE
(Underwritten by Stonebridge Casualty Insurance Company)
Coverages
Maximum Limit per Person
Trip Cancellation . . . . . . . . . . . . .100% of Trip Cost Insured
(up to $20,000)
Trip Interruption . . . . . . . . . . . . . .100% of Trip Cost Insured
(up to $20,000)
Travel Delay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$500
($150 Daily Limit Applies)
Baggage and Personal Effects . . . . . . . . . . . . . . . . . $1,500
Baggage Delay . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$500
Medical or Dental Expense . . . . . . . . . . . . . . . . . $100,000
Accidental Death & Dismemberment . . . . . . . . . . . $20,000
Air Flight Accident . . . . . . . . . . . . . . . . . . . . . . . . . $50,000
Emergency Assistance . . . . . . . . . . . . . . . . . . . . $250,000
(Emergency Medical Transportation)
This is a brief Description of Coverage. This is not your Policy/Certificate of Insurance. Please visit www.csatravelprotection.com/1STA or 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.
If, while on your trip, you should need to extend your pre-defined travel dates, please contact STA at (800) 777 - 0112.
Important: Keep this document and carry a copy with you when you travel. If you need to cancel your Trip, contact STA Travel immediately to cancel your
reservation.
This plan is administered by CSA Travel Protection and Insurance Services.
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 Assis-
tance 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 (877) 628-9583 from within the United States, or call collect
to (240) 330-1526 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.
1
ON DEMAND MEDICAL SERVICES
Consult A Doctor™
Connect instantly with a network of physicians for information, advice, and treatment, including prescription medication, when appropriate, by calling
CSA’s 24-Hour Emergency Hotline.
No Out Of Pocket Medical Expense
If you develop an acute illness while on your covered trip, a one-time medical expense will be paid for treatment up to $1,000 when you call the 24-Hour
Emergency Hotline and use CSA’s designated provider network of 30,000 physicians and 850,000 service providers worldwide.
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 pur-
chased 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.
YOUR SATISFACTION IS GUARANTEED
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 STA Travel. 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.
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EFFECTIVE DATES OF INSURANCE
Trip Cancellation and Trip Interruption 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 STA Travel. Trip Interruption
coverage will take effect on the Scheduled Departure Date of the Trip.
Coverage for Travel Delay, Baggage and Personal Effects, Baggage Delay, Medical or Dental Expense, Accidental Death and Dismemberment, Air
Flight Accident, and Emergency Assistance will take effect on the later of:
1. the date the premium has been received by 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 Policy or Certificate of Insurance and are described on a
general basis only. Please visit www.csatravelprotection.com/1STA or call (800) 351-8109 to obtain your Policy or Certificate of Insurance, which
will govern the final determination 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, non-refundable payments or deposits that you paid for your Trip.
Post-Departure Trip Interruption Benefits
If you are delayed beyond the Scheduled Departure Date or are unable to continue your Trip for one of the covered reasons below, we will reimburse you,
less any refund paid or payable, for unused land or water travel arrangements, plus one of the following additional transportation expenses:
1. from the point you interrupted your Trip to the next scheduled destination where you can catch up to your Trip or to the final destination of your Trip;
2. expenses incurred by you to reach the next scheduled destination where you can catch up to your Trip if you leave after the Scheduled Departure Date
of your Trip.
Reasons for Cancellation and Interruption:
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.
2. Trip Interruption due to Sickness, Injury or death of you, your Family Member or Traveling Companion. The Sickness or Injury must commence while you
are on your Covered Trip, require the examination by a Physician, in person, at the time of Trip Interruption and, in the written opinion of the treating
Physician, be so disabling as to prevent you from continuing 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:
3. 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;
4. being directly involved in a documented traffic accident while en route to departure;
5. being called into active military service in the event of a natural disaster;
6. being hijacked, quarantined (except as a result of a pandemic or epidemic), required to serve on a jury, or required by a court order to appear as a
witness in a legal action;
7. your primary residence is made Uninhabitable by fire, flood or natural disaster;
8. your Accommodation at your destination made Uninhabitable by fire, flood, volcano, earthquake or other natural disaster;
9. Common Carrier delays resulting from inclement weather, mechanical breakdown or organized labor strikes;
10. arrangements cancelled by an airline, cruise line, motor coach company or tour operator resulting from inclement weather, mechanical breakdown, or
organized labor strikes;
11. arrangements cancelled by a tour operator, cruise line, airline rental car company, hotel, condominium, railroad, motor coach company , or other sup-
plier of travel services, resulting from Financial Insolvency provided you have purchased this plan prior to/or within 24 hours of your final payment;
12. a documented theft of passports or visas;
13. a transfer of employment of 250 miles or more;
14. 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;
15. 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;
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16. 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;
17. 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;
18. 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;
19. 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 hours or more, 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 (except as a result of a pandemic); hijacking; natural disas-
ter; 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 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.
Baggage Delay Benefits
We will reimburse you, up to the amount in the Schedule, for the cost of additional clothing and personal articles purchased by you, if your Baggage is
delayed for 24 hours or more during your Trip. We will also reimburse you up to $25 to expedite the return of your Baggage.
Accidental Death & Dismemberment Benefits
We will pay this benefit up to the amount in the Schedule if you are injured in an Accident, which occurs while you are on a Covered Trip, and suffer one of
the losses listed in your Policy or Certificate of Insurance within 180 days of the Accident.
Note: Maximum Percentage of Principal Sum Payable is 100% for the loss of Life, Both Hands, Both Feet, Sight of Both Eyes, One Hand and One Foot,
One Hand and Sight of One Eye, One Foot and Sight of One Eye. Maximum Percentage of Principal Sum Payable is 50% for the loss of One Hand, One
Foot or Sight of One Eye.
Air Flight Accident Benefits
We will pay this benefit up to the amount in the Schedule if you sustain a covered loss in an Accident which occurs while a passenger in or on, boarding
or alighting from an aircraft of a regularly scheduled airline or air charter company that is licensed to carry passengers for hire.
Medical and Dental Expense Benefits
We will pay this benefit, up to the amount on the Schedule, for the following Covered Expenses incurred by you.
1. Physician-ordered medical services incurred by you within one year from the date of your Sickness or Injury that occurs during the Covered Trip;
2. expenses for emergency dental treatment incurred during the Covered Trip.
Medical and Dental Expense Benefits are subject to the following:
Covered Expenses will only be payable at the Usual and Customary level of payment; benefits will be payable only for Covered Expenses resulting from
a Sickness that first manifests itself or an Injury that occurs while on a Trip; and benefits payable as a result of incurred expenses will only be paid after
benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you.
Emergency Assistance Benefits
We will pay this benefit, up to the amount in the Schedule, for the following Covered Expenses incurred by you while on a Covered Trip;
1. Physician-ordered emergency medical evacuation to the nearest suitable Hospital;
2. non-emergency medical evacuation to your primary or secondary residence when deemed necessary by a Physician;
3. economy-class round-trip airfare to the Hospital for one person chosen by you, provided that you are traveling alone and are hospitalized for more than
7 days;
4. economy-class airfare to your primary or secondary residence including escort expenses, if you are 18 years of age or younger and left unattended due
to the death or hospitalization of an accompanying adult;
5. economy-class airfare to your primary or secondary residence from a medical facility to which you were previously evacuated, less any refunds paid or
payable from your unused transportation tickets;
6. repatriation expenses for preparation and air transportation of your remains to your primary or secondary residence.
Emergency Assistance Benefits are subject to the following:
Covered Expenses will only be payable at the Usual and Customary level of payment; benefits will be payable only for Covered Expenses resulting from
a Sickness that first manifests itself or an Injury that occurs while on a Trip; and benefits payable as a result of incurred expenses will only be paid after
benefits have been paid under any Other Valid and Collectible Group Insurance in effect for you. Covered Expenses items 1, 2 and 4 above are subject to
the program medical advisor’s prior approval.
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GENERAL PLAN EXCLUSIONS
The following exclusions are a sample of the listed exclusions in your Policy or Certificate of Insurance and are described on a general basis only. Please
visit www.csatravelprotection.com/1STA or call (800) 351-8109 to obtain your Policy or Certificate of Insurance, which will govern the final determina-
tion of any provision or claim.
The following exclusion applies to Accidental Death and Dismemberment and Air Flight Accident coverages:
We will not pay for a loss caused by or resulting from Sickness of any kind.
The following exclusion applies to all coverages except Baggage Delay and Baggage and Personal Effects:
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.
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.
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 re-
mains 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.
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 cancelltion penalties.
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. declared or undeclared war, or any act of war;
6. civil disorder (does not apply to Travel Delay);
7. service in the armed forces of any country;
8. nuclear reaction, radiation or radioactive contamination;
9. any unlawful acts, committed by you, a Traveling Companion or Family Member traveling with you (whether insured or not);
10. any amount paid or payable under any Worker’s Compensation, disability benefit or similar law;
11. a loss or damage caused by detention, confiscation or destruction by customs;
12. Elective Treatment and Procedures;
13. pandemic and/or epidemic;
14. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
15. Financial Insolvency of the person, organization or firm from whom you directly purchased or paid for your Covered Trip, Financial Insolvency which
occurred, or for which a petition for bankruptcy was filed by a travel supplier, before your effective date for the Trip Cancellation Benefits, or Financial
Insolvency which occurs within 14 days following your effective date for the Trip Cancellation Benefits;
16. business, contractual, or educational obligations of you, a Family Member, or Traveling Companion;
17. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
18. 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.
DEFINITIONS
The following definitions are a sample of the defined terms in your Policy or Certificate of Insurance and are described on a general basis only. Please
visit www.csatravelprotection.com/1STA or call (800) 351-8109 to obtain your Policy or Certificate of Insurance, which will govern the final determina-
tion of any provision or claim.
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 the Insured
enrolls; the trip does not exceed 395 days.
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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 treat-
ment 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 his/her license for the service or treatment given and may not be you, a Traveling Companion, or a Family Member.
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 com-
parable 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 Policy or Certificate of Insurance and are described on a general basis only. Please visit
www.csatravelprotection. com/1STA or call (800) 351-8109 to obtain your Policy or Certificate of Insurance, which will govern the final determination
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.
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. All coverages and benefits outlined in this plan are primary to those that may be available under your ISIC card.
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, Columbus, Ohio; NAIC # 10952 (all states except as otherwise noted) under 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 #’s TAHC5100IPS and TAHC5200IPS.
12013338
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for certificate/policy inquiries, requests or
customer service call:
(800) 351-8109
for emergency assistance
24 hours
a day during your trip, call:
IN THE U.S.
(877) 628-9583
COLLECT WORLDWIDE
(240) 330-1526
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