Travel insurance and assistance services for busy professionals and leisure travelers.

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

Pre-existing Medical Conditions waiver available up to your final trip payment.

CSA's Freestyle Luxe plan is built for busy professionals and leisure travelers. Coverage limits are even higher than our popular Freestyle plan. The Luxe plan also includes cancellation and interruption for business reasons.

A CSA Travel Protection Exclusive! Pre-Existing Medical Conditions accepted up to final payment!

Maximum limit listed in this section is per policy.

Maximum limit listed in this section is per policy.

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
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 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

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

Provides reimbursement up to 100% of non-refundable trip cost for an additional 50% of premium when you cancel for any reason. Available for purchase at initial deposit.

If the Insured purchased the Optional Cancel for Any Reason Benefit and cancels his/her Covered Trip for any reason not otherwise covered by this plan, we will reimburse the Insured for the percentage of the prepaid, forfeited, non-refundable Payments or Deposits the Insured paid for his/her Trip provided:

1. the Insured's payment for this plan is received within 24 hours of the date the Insured's initial deposit for his/her Covered Trip is received; and

2. the Insured is not disabled from travel at the time the Insured pays his/her premium; and

3. the Insured insures 100% of all prepaid Covered Trip costs that are subject to cancellation penalties or restrictions; and

4. the Covered Trip cost per person is no more than $10,000; and

5. the Insured cancels his/her Covered Trip 48 hours or more before his/her scheduled Covered Trip departure date.

Cancel for Any Reason is subject to the following payment percentage relative to the applicable cancellation penalty:

Cancellation Penalty Schedule

Rates above do not include a $6 service fee.

Cancel for Any Reason: Additional 50% of Base Premium

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. any unlawful acts, committed by you, a Traveling Companion or Family Member traveling with you (whether insured or not);
14. any amount paid or payable under any Worker’s Compensation, disability benefit or similar law;
15. a loss or damage caused by detention, confiscation or destruction by customs;
16. Elective Treatment and Procedures;
17. pandemic and/or epidemic;
18. medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;
19. business, contractual, or educational obligations of you, a Family Member, or Traveling Companion;
20. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
21. 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

Financial Insolvency of a travel supplier (when purchased by final trip payment)

Jury Duty

Your primary residence 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.



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



3. This product will provide coverage for unforeseeable Financial Insolvency of the travel supplier if the client purchases the policy prior to/or within 24 hours of their final trip payment (not scheduled final payment).



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. Cancel for any reason will be included on an optional basis. The client may choose to purchase this benefit for an additional 50% of premium.
     a. In order to qualify for the Cancel for Any Reason benefit, the following stipulations must be met:
   1. Must purchase benefit prior to or within 24 hours of initial deposit.
   2. Insured not medically disabled at time of purchase.
   3. Coverage purchased for 100% of all prepaid costs.
   4. Max trip cost per person of $10,000
   5. Insured must cancel the trip more than 48 hours prior to the Scheduled Departure Date.
   6. The booking for the Covered Trip must be the first and only booking for this travel period and destination.
   7. Cancel for Any Reason payment is subject to the following payment percentage relative to the applicable cancellation penalty.



If cancellation penalty amount is:	Percentage of penalty amount payable is:
Up to 25% of trip cost	100% of penalty amount
26% to 50% of trip cost	90% of penalty amount
51% to 75% of trip cost	80% of penalty amount
Over 76% of trip cost	70% of penalty amount



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



10. 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.