CSA Travel Protection Shares Why Credit Cards Aren’t a Great Solution for Travel Insurance

Get your travel insurance quote from CSA

Travelers might think their credit card will cover them on a trip to the same extent as travel insurance, but, in many cases, this isn’t true. Many credit cards that include some travel protection features often provide coverage for fewer events and tend to offer lower benefit limits than travel insurance.

CSA Travel Protection, dedicated for 25 years to providing full-service travel insurance solutions, explains why credit cards are not enough, especially when it comes to coverage for trip cancellation, medical and evacuation coverages, pre-existing medical conditions, limits and covering other travelers.

Where credit card coverage falls short

Robust Trip Cancellation Coverage

  • According to Cardrates.com, “only about 15 percent of credit cards offer travel cancellation insurance.”
  • Most trip cancellation or interruption protection offered by credit cards is limited to a handful of reasons such as illness, injury or death. CSA’s plans cover around 20 different events that could cause travelers to cancel their travel plans, including job loss, school year extension, terrorism or jury duty.

Medical and Evacuation Coverages

  • Credit cards often don’t have the same level of coverage as travel insurance for medical expenses or emergency medical transportation while traveling—which can be costly if travelers don’t have the right coverage. According to the Centers for Disease Control and Prevention, medical evacuations by air ambulance can cost $50,000-$100,000.

Pre-existing Medical Conditions

  • If travelers are concerned about coverage for pre-existing medical conditions, they shouldn’t count on their credit card. CSA’s Custom Luxe plan includes coverage for pre-existing conditions as long as certain requirements are met.
  • In order to qualify for coverage for pre-existing medical conditions, the plan must be bought prior to or within 24 hours of the final trip payment, travelers must be medically able to travel at the time the plan is purchased and all prepaid trip costs that are subject to cancellation penalties or restrictions must be insured.

Card limits and covering other travelers

  • Many cards cap their benefit limits, especially for trip cancellation coverage, at lower amounts than CSA’s travel insurance plans.
  • Credit cards are likely to only cover the cardholder, while CSA’s plans allow for up to 10 people to be listed on a plan.

While planning their next vacation, travelers should consider these tips before crossing off travel insurance from their to-do list. If they have credit cards with travel insurance, then they should contact their credit card provider to find out the exact terms and conditions. Remember it is likely that only purchases made with the credit card will be eligible for coverage. If travelers paid another way, check or cash for example, then they would probably not be covered by the credit card.

Travelers who determine that credit cards aren’t enough should consider purchasing travel insurance from a reputable provider such as CSA Travel Protection. May they have travel insurance, but never have to use it because their vacation was smooth sailing.

About CSA Travel Protection

CSA Travel Protection is dedicated to providing valuable travel insurance and emergency assistance services to protect travelers’ vacation investments and provide the peace of mind one deserves while traveling. For 25 years CSA has developed a reputation for standing behind its customers and by offering products and services to meet their needs. Through award-winning customer service, extensive experience and industry-leading innovation, CSA is with its clients every step of the way, whenever and wherever they are needed.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as CSA Travel Protection and Insurance Services.  Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance.  This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.  This notice provides general information on CSA’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. 

Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.

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CSA Travel Protection Wins Two Stevie Awards in 11th Annual Stevie Awards for Sales and Customer Service

Stevie Awards winners Matt Rhea and Dan Castle

SAN DIEGO – March 2, 2017 – CSA Travel Protection, dedicated for 25 years to providing full-service travel insurance solutions, took home two Stevie® Awards in the 11th annual Stevie Awards for Sales & Customer Service Friday at the gala banquet in Las Vegas.

CSA’s Senior Customer Service Representative Dan Castle won a Silver Stevie in the Front-Line Customer Service Professional of the Year – Financial Services Industries category; while Senior Trainer Matt Rhea won a Bronze Stevie in the Back-Office Customer Service Professional of the Year category.

“We’re proud to have these two consistently excellent performers as part of our team and honored that they represented CSA as Stevie Awards winners this year,” said Bob Chambers, vice president of operations at CSA Travel Protection. “They help solidify CSA’s reputation for superior customer service, which enables the company to soar above the rest.”

Castle’s and Rhea’s accomplishments support the company’s mission to “exceed the expectations of its business partners and the traveling public, through quality customer service.” Their award-winning efforts have helped CSA achieve high-quality customer service and high client satisfaction and remain ahead of the curve with its approach to developing training content.

The Stevie Awards for Sales & Customer Service are the world’s top honors for customer service, contact center, business development and sales professionals. The Stevie Awards organizes several of the world’s leading business awards programs including the prestigious American Business AwardsSM  and International Business AwardsSM.

More than 75 members of several specialized judging committees determined the Gold, Silver and Bronze Stevie Award placements from among the Finalists during final judging earlier this month. Finalists were determined by another 77 judges.

“Impressive stats for customer feedback both in volume and rating!” a judge commented on Castle’s work. Another judge praised Rhea, “Great work from Matt. He obviously cares about training and the customer experience and how all groups help impact it. Nice work!”

 

About CSA Travel Protection

CSA Travel Protection is dedicated to providing valuable travel insurance and emergency assistance services to protect travelers’ vacation investments and provide the peace of mind one deserves while traveling. For 25 years CSA has developed a reputation for standing behind its customers and by offering products and services to meet their needs. Through award-winning customer service, extensive experience and industry-leading innovation, CSA is with its clients every step of the way, whenever and wherever they are needed.

About The Stevie Awards
Stevie Awards are conferred in seven programs: the Asia-Pacific Stevie Awards, the German Stevie Awards, The American Business Awards, The International Business Awards, the Stevie Awards for Great Employers, the Stevie Awards for Women in Business and the Stevie Awards for Sales & Customer Service. Stevie Awards competitions receive more than 10,000 entries each year from organizations in more than 60 nations. Honoring organizations of all types and sizes and the people behind them, the Stevies recognize outstanding performances in the workplace worldwide. Learn more about the Stevie Awards at www.StevieAwards.com.

 

Media Contact:

Linda Barger
Jay Bee PR for CSA Travel Protection
858-449-1355
linda@jaybeepr.com

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as CSA Travel Protection and Insurance Services.  Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance.  This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.  This notice provides general information on CSA’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. 

Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.

Timing is Everything: CSA Travel Protection Explains When You Should Really Buy Travel Insurance

Though some Americans may still be clearing remnants of New Year confetti out of furniture and carpets, many are already starting to make their summer vacation plans. In doing so, they are faced with a decision—when to buy travel insurance. CSA Travel Protection, dedicated for 25 years to providing full-service travel insurance solutions, offers its advice.

“The financially prudent thing to do is to buy insurance when you have money at risk. If you buy nonrefundable airfare, which most of us do, your money is at risk right away,” said Bob Chambers, vice president of operations at CSA Travel Protection. “For cruises and tours, it may not be an issue until cancellation penalties start to kick in. That could be at six months prior to departure.”

Trip Cancellation

When travelers can’t go on their trip due to a covered reason, Trip Cancellation pays for forfeited, pre-paid, non-refundable travel arrangements. Travelers can get maximum coverage for Trip Cancellation if they purchase their plan as soon as they make their first trip payment like airfare. Then, they can add coverage to the same plan for additional trip arrangements, such as hotel stays, tours, cruises and other forms of transportation.

Free Look Period

For travelers who have bought a plan but wish to cancel it and receive a full refund, they may do so within a designated number of days from the date of purchase as long as they haven’t left for their trip or filed a claim. This is referred to as a “free look” period and is available with all CSA Travel Protection plans. While the timeframe for the free look period varies from state to state, it is generally 10 days from purchase. Travelers should always refer to their Description of Coverage/Insurance Policy documents to determine the number of free look period days available in their state of residence.

Pre-Existing Conditions

Some travelers may need to look for plans that offer coverage for pre-existing conditions when they buy travel insurance. It’s important to know how pre-existing conditions are defined and the purchase window for covering pre-existing conditions. With CSA’s Custom Luxe plan, coverage must be bought prior to or within 24 hours of the final trip payment, travelers must be medically able to travel at the time the coverage is purchased and they must insure 100 percent of their pre-paid trip costs that would be subject to cancellation penalties or restrictions. Coverage for pre-existing conditions isn’t available with all CSA plans.

An important advantage offered by CSA plans is that the exclusion for pre-existing conditions does not apply to non-traveling family members. “In other words, if a family member who is not traveling with you has a pre-existing medical condition, and you have to cancel your trip because of their illness, you can still be covered. CSA is one of the few travel insurance providers to offer this,” Chambers added.

No matter when the policy is purchased, travelers should remember to consider travel insurance from a reputable provider such as CSA Travel Protection. With the right travel insurance plan and a summer vacation already in motion, travelers are poised to enjoy the rest of winter and spring looking forward to their next adventure.

 

About CSA Travel Protection

CSA Travel Protection is dedicated to providing valuable travel insurance and emergency assistance services to protect travelers’ vacation investments and provide the peace of mind one deserves while traveling. For 25 years CSA has developed a reputation for standing behind its customers and by offering products and services to meet their needs. Through award-winning customer service, extensive experience and industry-leading innovation, CSA is with its clients every step of the way, whenever and wherever they are needed.

 

Media Contact:

Linda Barger
Jay Bee PR for CSA Travel Protection
858-449-1355
linda@jaybeepr.com

The Benefits of Travel Insurance for Your Cruise During Wave Season

Get your travel insurance quote from CSA

CSA Travel Protection recommends when to buy and what to protect.

With the holidays right around the corner, ‘tis the season to be looking for good deals. Wave Season is the timeframe between January and March when cruise lines offer discounts, which means significant consumer deals and increased sales opportunities for travel professionals.

CSA Travel Protection, dedicated for 25 years to providing full-service travel insurance solutions, today shares why cruisers should consider travel insurance, when they should buy and what they should be trying to protect.

The type of travel insurance policy cruisers should purchase depends largely on the cruise type. According to Cruise Lines International Association (CLIA), river cruises have become increasingly popular over the last few years.

The price point for river cruises can be higher than most deep water cruises, so cruisers should look for a policy that covers them should they need to cancel or postpone. Deep-water cruisers are not as interested in protecting the overall trip cost but rather travel (hotel or airfare) leading up to the cruise and needing medical attention or emergency medical evacuation, especially when traveling internationally.

Cruisers are booking their trips as far as 18 months to a year in advance, CLIA reports. Oftentimes they are paying a deposit to secure their space. CSA advises cruisers that they should buy travel insurance as soon as they have booked their trip. If something unforeseen happens such as a terrorist or weather event during the waiting period before they leave, then they are more likely to be covered. CSA offers competitive travel insurance plans with a variety of coverages to help protect you during your cruise, including trip cancellation, medical and dental, emergency assistance and transportation and missed connection.

“If travelers are concerned about unexpected events and interested in protecting their trip investment, then that’s when travel insurance can play an important role,” said Bob Chambers, vice president of operations at CSA Travel Protection. “They need to be sure that they understand what policies are right for them.”

Knowing the benefits of travel insurance specific to the type of cruise and when to buy a policy is important. Additionally, researching and preparing ahead of a cruise proves useful. The Centers for Disease Control and Prevention (CDC) provides tips for cruisers including recommended vaccines, illness prevention and tips on travel and evacuation insurance.

Whether travelers book cruises through travel agents or online, they should remember to consider travel insurance from a reputable provider such as CSA Travel Protection during the booking process. Armed with this knowledge and a travel insurance policy, cruisers can sail off into the sunset feeling confident that they’ve protected their investment.

About CSA Travel Protection

CSA Travel Protection is dedicated to providing valuable travel insurance and emergency assistance services to protect travelers’ vacation investments and provide the peace of mind one deserves while traveling. For 25 years CSA has developed a reputation for standing behind its customers and by offering products and services to meet their needs. Through award-winning customer service, extensive experience and industry-leading innovation, CSA is with its clients every step of the way, whenever and wherever they are needed.

Travel insurance plans are administered by Customized Services Administrators, Inc., CA Lic. No. 821931, located in San Diego, CA and doing business as CSA Travel Protection and Insurance Services.  Plans are available to residents of the U.S. but may not be available in all jurisdictions. Benefits and services are described on a general basis; certain conditions and exclusions apply. Travel Retailers may not be licensed to sell insurance, in all states, and are not authorized to answer technical questions about the benefits, exclusions, and conditions of this insurance and cannot evaluate the adequacy of your existing insurance.  This plan provides insurance coverage for your trip that applies only during the covered trip. You may have coverage from other sources that provides you with similar benefits but may be subject to different restrictions depending upon your other coverages. You may wish to compare the terms of this policy with your existing life, health, home and automobile policies. The purchase of this plan is not required in order to purchase any other travel product or service offered to you by your travel retailers. If you have any questions about your current coverage, call your insurer, insurance agent or broker.  This notice provides general information on CSA’s products and services only. The information contained herein is not part of an insurance policy and may not be used to modify any insurance policy that might be issued. In the event the actual policy forms are inconsistent with any information provided herein, the language of the policy forms shall govern. 

Travel insurance plans are underwritten by: Generali U.S. Branch, New York, NY; NAIC # 11231. Generali US Branch operates under the following names: Generali Assicurazioni Generali S.P.A. (U.S. Branch) in California, Assicurazioni Generali – U.S. Branch in Colorado, Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice in Oregon, and The General Insurance Company of Trieste and Venice – U.S. Branch in Virginia. Generali US Branch is admitted or licensed to do business in all states and the District of Columbia.

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