CSA Travel Protection

Even the best plans can be impacted by the unexpected. Illness... medical emergencies... delayed flights... lost luggage. Troubles can occur when you least anticipate them. If you decide to purchase travel insurance, you have the option of using our preferred partner, CSA Travel Protection. CSA's plans safeguard you before, during and after your trip with important insurance coverage, 24-hour emergency assistance services, identity theft protection and concierge services. It's the best way to protect your hard-earned vacation investment and provide the comfort and security you need to enjoy your trip.

FREQUENTLY ASKED QUESTIONS

Although you probably don't want to think about it, travel involves some unique risks. To be sure you're prepared, ask yourself the following questions:

Could I miss my trip and lose my vacation investment too? Unfortunately, the answer is yes. If you have to cancel or postpone that dream vacation, you will probably lose some or all of the money you have pre-paid. You may be able to reschedule the vacation, but will you have the money to pay for it?

Could it cost me extra money if I'm forced to come home early? You bet. There are usually additional costs involved when you unexpectedly have to return home, plus you won't get any money back for the missed portion of your trip.

Should I be concerned about medical insurance when I'm away from home? Definitely. Your medical coverage may be limited away from home, or you may not be covered at all, especially when traveling outside of the country. It's wise to check on this before you travel. Also, how will you find adequate medical facilities when you're traveling? What if you require costly emergency medical evacuation?

Would I benefit from expert help available when I need it? Yes, you probably would. When you're away from home, anything can happen. From a simple case of lost luggage to major medical emergencies, having someone there whenever and wherever you need them can make a huge difference during times of distress.

PLAN DETAILS

Benefits and services are described on a general basis. For complete details on policy exclusions and benefits, contact your Vacations To Go cruise counselor or CSA for a sample certificate/policy.

Some of the Covered Reasons for Trip Cancellation and Trip Interruption Include:

• 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
• Mandatory hurricane evacuations
• Being called into emergency military duty for 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

Coverages & Services:

The table below provides a side-by-side comparison of the coverage and benefit limits of the CSA Comfort and CSA Luxe plans.

Note: Maximum limits listed above are per person, unless otherwise noted. Insurance coverage provided to all travelers listed on the policy, who must be residents of the United States or purchase this insurance within the United States .

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. This plan is administered by CSA Travel Protection and Insurance Services. To obtain CSA 's license number in your state please click here.

Both the CSA Comfort and CSA Luxe plans also come with identity theft protection, 24-hour emergency assistance services and concierge services described below.

Identity Theft Protection
(Provided by CSA's Designated Provider)

Provides fast and responsive recovery support and coverage to restore your credit profile if you are a victim of identity theft. Services apply for six months beginning on your trip departure date.

* Identity Theft resolution services do not provide assistance for non-U.S. bank accounts.

24-Hour Emergency Assistance Services
(Provided by CSA's Designated Provider)

All it takes is a free phone call from anywhere in the world for immediate aid 24/7:

• 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
(Provided by CSA's Designated Provider)

Provides assistance with arranging sporting, amusement park and entertainment ticketing, fine dining reservations, golf tee times and special events.

10-Day Free Look
CSA stands behind their products and services. That's why they offer a 10-day free look on their travel protection plans. You'll have the ability to cancel your coverage and receive a full refund if you aren't completely satisfied – as long as you haven't left for your trip.

PRICING

Cost Per Person

Note: There is a $6 administration fee per policy. For Trips over $10,000 per person or longer than 31 days, please call your Vacations To Go travel counselor.

OTHER DETAILS

Pre-Existing Medical Conditions

Please be advised that these plans exclude losses caused by or resulting from pre-existing conditions, unless the requirements of the waiver are met.

PRE-EXISTING CONDITION means an illness, disease, or other condition during the 180-day period immediately prior to your effective date for which you or your Traveling Companion or Family Member 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 a prescription for 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 remains treated or controlled with any adjustment or change in the required prescription throughout the 180-day period before coverage is effective under this Policy.

Pre-Existing Medical Condition Exclusion Waiver
The Pre-Existing Condition exclusion does not apply to coverage purchased prior to or within 24 hours of the final payment for the Covered Trip if the Insured is medically able to travel when payment is made for the insurance.

Exclusions That Apply To All Coverages

GENERAL PLAN EXCLUSIONS

The following exclusion applies to the Accidental Death and Dismemberment coverage:
1. We will not pay for loss caused by or resulting from Sickness of any kind.

The following exclusion applies to the Emergency Assistance, Trip Cancellation, Trip Interruption, and Travel
Delay coverages:
2. We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the plan, including death that results therefrom. This Exclusion does not apply to benefits under Covered Expenses items 1 and 2 (emergency medical evacuation) or item 6 (repatriation of remains) of the Emergency Assistance Benefits Coverage.

The following exclusion applies to all coverages:

3. We will not pay for any loss under the plan, caused by, or resulting from:
a. your, your Traveling Companion's, or Family Member's suicide, attempted suicide, or intentionally self-inflicted injury, booked to travel with you, while sane or insane (while sane in CO & MO);
b. mental, nervous, or psychological disorders;
c. being under the influence of drugs or intoxicants, unless prescribed by a Physician;
d. normal pregnancy or resulting childbirth or elective abortion;
e. participation as a professional in athletics;
f. participation in organized amateur and interscholastic athletic or sports competition or events;
g. riding or driving in any motor competition;
h. declared or undeclared war, or any act of war;
i. civil disorder (does not apply to Travel Delay);
j. service in the armed forces of any country (does not apply to 3e or 3j of Other Covered Events);
k. nuclear reaction, radiation or radioactive contamination;
l. operating or learning to operate any aircraft, as pilot or crew;
m. mountain climbing, bungee cord jumping, skydiving, hang gliding, or travel on any air-supported device, other than on a regul
eduled airline or air charter company ( if you have purchased the Luxe, this exclusion is written "travel on any air-supported device, other than on a regularly scheduled airline or air charter company" );
n. any unlawful acts, committed by you or a Traveling Companion (whether insured or not);
o. any amount paid or payable under any Worker's Compensation, Disability Benefit or similar law;
p. a loss or damage caused by detention, confiscation or destruction by customs;
q. Elective Treatment and Procedures;
r. pandemic and/or epidemic;
s. medical treatment during or arising from a Covered Trip undertaken for the purpose or intent of securing medical treatment;
t. 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;
u. business, contractual or educational obligations of you, a Family Member or a Traveling Companion (does not apply to 3g, 3i, or 3k of Other Covered Events);
v. failure of any tour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
w. 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.

Policy Confirmations

You will receive a Certificate of Insurance (or Policy for residents of certain states) which describes the benefits and limitations in detail. If you do not receive your documents before you leave on your trip, call your Vacations To Go cruise counselor.

This is not a complete description of all benefits and limitations. For full terms and conditions of coverage, ask your Vacations To Go cruise counselor. Prices, terms and conditions listed in this summary are subject to change without notice and need to be reconfirmed with your Vacations To Go cruise counselor at the time of booking.