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Frequently Asked Questions

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Question	Answer
Why should I buy this insurance?	One thing that’s certain is the unpredictability of travel. From sickness (you or even a non-traveling family member), hurricane evacuations, or injury while traveling, CSA’s travel insurance protects you – and your trip investment – even before you leave.
Exactly what does the insurance reimburse?	CSA coverage is extensive and there are additional options to add for even more. Here’s a shortlist of what’s covered: All prepaid, non-refundable trip costs (such as air fare, cruises, tours) when you cancel for covered reasons; emergency medical or dental expenses; medical evacuations; personal effect expenses caused by baggage delay or loss – plus more.
Doesn’t my medical insurance cover me?	Most medical insurance does not cover overseas, including cruise ships of foreign registry. Travel insurance covers the gaps often associated with normal medical coverage, like pre-existing medical conditions. It can also help with deductibles, even if your insurance does happen to provide international coverage.
How will the 24-hour Emergency Assistance Services benefit me on my trip?	CSA’s 24-hour Assistance helps you handle any emergencies that come up on your trip: medical referrals, prescription refills, emergency cash transfers, lost tickets, legal referrals or stolen passport. Plus, you’ll even get pre-trip travel advice.
Can I think about it and purchase later?	Sure, or, so that you can see in detail what your plan will look like, we can send your Policy/Certificate of Insurance today. That way you’ll have 10 days to review and cancel for a full refund of the premium. Still unsure? You can purchase CSA insurance until 24 hours prior to departure.
Is the insurance premium refundable?	CSA includes a 10-day free look, which means, if you’re not satisfied, you can cancel your policy within 10 days of receipt and receive a full refund as long as you haven't departed on your trip of filed a claim.
Am I covered if I go to Cuba on my own and not on a US Government authorized trip?	If the client is not on a US government approved trip, they will be excluded from coverage.
Can I purchase travel insurance for a side trip while I’m studying abroad?	No, the origin of the covered trip must be in the United States.
If an immediate family member dies while I am studying abroad, am I covered for my return trip home? Am I covered for flights/transportation to return to finish my program?	The policy would provide coverage under Trip Interruption for the plane ticket home and missed travel arrangements due to the family member's death, but the client would need to buy a new policy if returning to finish the program. Coverage ends once the insured returns home.

Question

Answer

Why should I buy this insurance?

One thing that’s certain is the unpredictability of travel. From sickness (you or even a non-traveling family member), hurricane evacuations, or injury while traveling, CSA’s travel insurance protects you – and your trip investment – even before you leave.

Exactly what does the insurance reimburse?

CSA coverage is extensive and there are additional options to add for even more. Here’s a shortlist of what’s covered: All prepaid, non-refundable trip costs (such as air fare, cruises, tours) when you cancel for covered reasons; emergency medical or dental expenses; medical evacuations; personal effect expenses caused by baggage delay or loss – plus more.

Doesn’t my medical insurance cover me?

Most medical insurance does not cover overseas, including cruise ships of foreign registry. Travel insurance covers the gaps often associated with normal medical coverage, like pre-existing medical conditions. It can also help with deductibles, even if your insurance does happen to provide international coverage.

How will the 24-hour Emergency Assistance Services benefit me on my trip?

CSA’s 24-hour Assistance helps you handle any emergencies that come up on your trip: medical referrals, prescription refills, emergency cash transfers, lost tickets, legal referrals or stolen passport. Plus, you’ll even get pre-trip travel advice.

Can I think about it and purchase later?

Sure, or, so that you can see in detail what your plan will look like, we can send your Policy/Certificate of Insurance today. That way you’ll have 10 days to review and cancel for a full refund of the premium. Still unsure? You can purchase CSA insurance until 24 hours prior to departure.

Is the insurance premium refundable?

CSA includes a 10-day free look, which means, if you’re not satisfied, you can cancel your policy within 10 days of receipt and receive a full refund as long as you haven't departed on your trip of filed a claim.

Am I covered if I go to Cuba on my own and not on a US Government authorized trip?

If the client is not on a US government approved trip, they will be excluded from coverage.

Can I purchase travel insurance for a side trip while I’m studying abroad?

No, the origin of the covered trip must be in the United States.

If an immediate family member dies while I am studying abroad, am I covered for my return trip home? Am I covered for flights/transportation to return to finish my program?

The policy would provide coverage under Trip Interruption for the plane ticket home and missed travel arrangements due to the family member's death, but the client would need to buy a new policy if returning to finish the program. Coverage ends once the insured returns home.

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