Travel insurance and travel assistance services built with your needs in mind.

On Demand Medical Care
Immediate access to a network of physicians anywhere in the world is like taking a doctor with you on vacation.

CSA's Freestyle plan is built for leisure travelers and those who value common sense coverage and affordable pricing. All our plans include 24-Hour Emergency Assistance and Concierge Services so you can relax and enjoy your vacation.

Maximum limits listed above are per person, unless otherwise noted. Benefits, services, and purchase requirements are described on a general basis. For complete details and purchase requirements, please look at the certificate wording.

Through CSA's designated provider

Getting sick on vacation is never fun, but it doesn’t have to be difficult to find what you need. With just one call, we can provide you with immediate access to on call physicians, medical advice, even referral to a physician near you using CSA’s designated provider network of 30,000 physicians and 850,000 service providers worldwide.

Consult a Doctor
Connect instantly with a network of physicians for information, advice, and treatment, including prescription medication, when appropriate. Save time and money and get back to enjoying your vacation.

No Out of Pocket Medical
No claims to file! If you get sick or injured while traveling, we can get you to a trusted provider and even handle the payment for acute, one time treatments up to $1,000.

• Consult a Doctor
• No Out-of-Pocket Medical Expense
• Medical Referaral
• 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

Identity Theft Resolution does not provide assistance for thefts involving non-US bank accounts.

Rates above do not include a $6 service fee.

Optional Coverages

Collision Damage Waiver (Not available to residents of OR or TX.)

Pre-existing medical condition exclusion is waived if purchased by final trip payment and you are medically able to travel at time of purchase.

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);
10. service in the armed forces of any country;
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. pandemic and/or epidemic;
19. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
20. business, contractual, or educational obligations of you, a Family Member, or Traveling Companion;
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.

"We were very pleased with the handling of our claim. We had questions but our Claims Representative took care of them very well. We'll certainly use your service the next time we plan a trip."
- O. and C. Trechter, TX, May 11, 2009

"I wanted to write to thank you, for your assistance in helping resolve our recent claim. Our claims representative made this process more than just tolerable but easy. He was patient, treated us with respect and he talked to me about the things he needed to we could help get things done. He exhibited compassion as well, something that certainly did not go unnoticed. I greatly appreciate everything CSA and our Claims Representative have done for us in this case, and while I hope to never have to file another claim, I wanted to express my sincere gratitude."
- M. Nicholas, CA, February 10, 2009

Covered Sickness, Injury, death of you, a Family Member or Traveling Companion

Common Carrier delays resulting from inclement weather, mechanical breakdown, or unannounced strikes

Your home or accommodations at your destination are made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster

Being involved in a traffic accident while en route to departure

Mandatory hurricane evacuations at your destination

Being called into active military service to provide aid or relief in the event of a natural disaster

A documented theft of passports or visas

A transfer of employment of 250 miles or more

Your involuntary termination of employment or layoff after you’ve been working with the same employer for 1 year

A Terrorist Incident that occurs in a city listed on the itinerary for the Insured’s Covered Trip and within 7 days prior to the Insured’s Scheduled Departure Date

Need a pet sitter or veterinarian while on vacation? Our concierge service can help you find what you need while on your trip.

CSA Travel Protection^® will provide a refund of your insurance premium if you cancel your insurance within 10 days of purchase and have not filed a claim or departed on your trip.

CSA is committed to providing the best customer service in the industry. Representatives are available seven days a week with 24-hour coverage. Calls are answered live, without an automated phone attendant.

1. This product is priced per person. Up to ten travelers are allowed on each policy. A maximum number of 5 travelers may purchase the optional Air Flight Accident coverage per policy.



2. The maximum trip length for this product is 365 days.



3. This product will contain no coverage for unforeseeable Financial Insolvency of the travel supplier.



4. The exclusion for Pre-Existing Conditions will be waived if the policy is purchased prior to or within 24 hours of the final payment for the trip and the Insured is not disabled from travel at the time the policy is purchased.



5. The look back period for the Pre-Existing Medical Conditions exclusion is 180 days.



6. The Travel Delay effective period is 6 hours.



7. Cancel for Business Reasons is not included or optional on this product.



8. This product includes a 10-day free look.



9. This product is underwritten by Stonebridge Casualty Insurance Company. CSA's non-insurance Assistance and Concierge Services are provided by General Agent’s designated provider.

Travel Insurance Is Underwritten By: Stonebridge Casualty Insurance Company is rated A- ("Excellent", 4th out of 16 Categories A++ to S)by A.M. Best Company^® for financial strength and operating performance.
(Ratings and analysis for 2009)

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 Forms TAHC5100IPS and TAHC5200IPS.

Insubuy^®, Inc.
4700 Dexter Dr, Suite 100
Plano, TX 75093
Phone: (866) INSU-BUY or (972) 985-4400
Fax: (972) 767-4470
Web site: insubuy.com