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Why Buy It?

Quibbles

The CSA Freestyle has $50,000 Secondary Emergency Medical coverage

CSA's Emergency Medical & Medical Evacuation Limits are per policy, not per person

The CSA Freestyle Luxe has $250,000 Secondary Emergency Medical coverage

CSA can not guarantee the hospital payment. You have to pay all the costs up front and get reimbursed when your claim is settled

Both CSA Freestyle plans have a 180 day Lookback Period for pre-existing conditions

No frequent flyer fee reimbursement

You have to get the CSA Freestyle Luxe policy no later than 24 hours after your final trip payment to cover supplier financial default

The CSA Freestyle policy doesn't cover supplier financial default

You can get "Cancel For Any Reason" coverage for up to 100% of non-refundable trip costs for the CSA Freestyle Luxe plan. See the details.

Your deadline to get the CSA Freestyle Luxe plan's "Cancel For Any Reason" is no later than 24 hours after you make your initial trip deposit

You can get an Optional Cancel for Business Reasons upgrade on the CSA Freestyle plan for 1.25% of the trip cost insured (it's included on the CSA Freestyle Luxe). See the details.

You have to buy either CSA Freestyle policy no later than 24 hours after your final trip payment to cover pre-existing conditions

CSA continues to cover your medical expenses from an illness or injury, that first manifested itself while on your trip, for up to one year after returning home. You have to seek the initial medical treatment while on your trip.

You have a 10 day Free Look Period

The lowest trip cost you can cover is $0. This means you won't have any trip cancellation, nor trip interruption coverage

The maximum trip cost you can cover is $50,000 per individual and $100,000 per policy through age 70

CSA plans are available to US & Canadian residents

You get a 150% trip interruption benefit

CSA's maximum trip length is 365 days.

Identity Theft Protection for six full months, beginning on trip departure day (except for residents of New York)

CSA is 1 of the 6 companies we trust

If you want to get the current prices on the CSA Freestyle & Freestyle Luxe plans, click here to go to CSA's secure online quote & order form. Or call us toll free at 1-888-407-3854 (US & Canada) to get a quote and / or place your order over the telephone.

Freestyle Certificate

Freestyle Luxe Certificate

A brief description is below. For complete coverage, terms, conditions and exclusions, select the desired CSA Freestyle or Freestyle Luxe Certificate of Coverage. You may click on the link to view or download it

Freestyle

Freestyle Luxe

Who can be covered with pre-existing medical conditions:

You, your traveling companions or family members scheduled or booked to travel with you. And family members who are not scheduled or booked to travel with you.

Your deadline to get the Freestyle plans to waive the pre-existing condition exclusion

No later than 24 hours after your final trip payment

Your deadline to get a CSA plan

The day you leave on your trip

Financial Default Coverage deadline

Not covered with the Freestyle plan

No later than 24 hours after your final trip payment. There's a 14 Day Wait after purchase before this goes into effect.

Secure Online Order Link

CSA Freestyle and Luxe Secure Online Quote & Order Page

Plan Name

Freestyle

Freestyle Luxe

Secure online order form link (You won't pay extra fees by going through us)

CSA Freestyle and Luxe Secure Online Quote & Order Page

Money Back Guarantee

10 Days

Trip Cancellation (each person)

100% of Trip Cost

Trip Interruption (each)

150% of Trip Cost

Secondary Emergency Medical

$50,000 Policy Maximum

$250,000 Policy Maximum

Emergency Medical Evacuation / Repatriation

$250,000 Policy Maximum

$1,000,000 Policy Maximum

Emergency Dental Treatment for Accidental Injury (per person)

$750

Your deadline to waive the Pre-Existing Condition exclusion

No later than 24 hours after your final trip payment

Pre-Existing Condition Lookback Period

180 Days

Travel Baggage (each)

$1,000

$1,500

Travel Baggage Delay (per person)

$200

$500

Travel Delay (per person)

$1,000 (after 6 hours) $150 per day

Missed Connection (per person)

$500 (more than 3 & less than 24 hours)

$1,000 (more than 3 & less than 24 hours)

Flight Insurance (each)

$100,000 each, $200,000 per policy

$200,000 per person / per policy

Damage To Your Rental Car (Not available to residents of OR & TX)

$25,000

$50,000

Travel Accident AD &D (each)

Not Available

$50,000 Per Person, $100,000 Per Policy

24 Hour Emergency Assistance

Yes. CSA's designated provider, Europe Assist, will provide these assistance services.

Travel Supplier Financial Default

Not Available on the Freestyle plan

No later than 24 hours after your final trip payment. There's a 14 Day Wait after purchase before this goes into effect.

Terrorist Incident coverage

"a Terrorist Incident that occurs in a city listed on the itinerary of the Insured's Covered Trip and within 7 days prior to the Insured's Scheduled Departure Date."

Identity Theft Protection

Only available for US residents except NY

Concierge Services

Yes

Some More Details:

- Secondary medical coverage
- US or Canadian residents only

Insurance Underwriter

United States Fire Insurance Company (2008 AM Best Rating A-)

Secure online order form link (you don't pay extra fees by going through us)

CSA Freestyle and Luxe Secure Online Quote & Order Page

Here's How The CSA Freestyle Luxe Cancel For Any Reason Benefit Works:

 You can cancel your Trip for any reason not otherwise covered by the policy and be reimbursed for up to 100% of the prepaid, forfeited, nonrefundable Payments or Deposits you paid for your Trip.

 The Cancel For Any Reason benefit's cost is 50% extra for the CSA Freestyle Luxe

 You must fulfill these requirements to have the Cancel For Any Reason Benefit:

 1) You must order your CSA Freestyle Luxe plan no later than 24 hours after your initial trip payment; and
 2) You insure all prepaid Trip costs that are subject to cancellation penalties or restrictions and also insure within 7 days of the payment for those arrangements the cost of any subsequent arrangements (or any other subsequent arrangements not made through your travel agent) added to your Trip; and
 3) You are not disabled from travel at the time you pay your premium; and
 4) You must cancel your Trip 48 hours or more before your Scheduled Trip Departure Date.

Important: If you insure an amount less than your total prepaid trip costs that are subject to cancellation penalties or restriction there will be no coverage available under the Optional Cancel For Any Reason Benefit, if purchased.

The CSA Freestyle plan has an Optional Cancel for Business Reasons (must be purchased prior to or within 24 hours of final payment). The cost is 1.25% of the trip cost insured. This same coverage is included for the CSA Freestyle Luxe plan.

The Cancel for Business Reasons coverage includes the following unforeseeable events that occur while coverage is in effect:
1) an Insured or Traveling Companion is required to work during the Covered Trip. A written statement by a company officer and/or the Human Resources department demonstrating revocation of previously approved time off will be required.
2) an Insured's or Traveling Companion's place of employment is rendered unsuitable for business due to burglary, fire, flood, volcano, earthquake, hurricane, or other natural disaster and the Insured or Traveling Companion is required to work as a result.
3) an Insured or Traveling Companion is directly involved in the merger of his or her employer or the acquisition of his or her employer by another company.

Traveler's Age

Each Individual's Maximum Trip Cost Coverage Amount

Per Trip Maximum Coverage Amount

Age 30 & Under

$50,000 per individual

$100,000 per trip

Age 31- 55

$50,000

$100,000

Age 56 - 70

$50,000

$100,000

Age 71 - 80

$25,000

$50,000

Age 81 & Over

$20,000

$30,000

Trip Cost / Ages

Up to Age 30

31 - 55

56 - 70

71 - 75

76 - 80

81 - 84

85+

$0.00

$17

24

28

36

47

79

89

$1 - $250

$20

28

36

47

57

87

99

$251 - 500

$24

36

46

63

76

110

127

$501 - 750

$38

48

61

90

105

142

177

$751 - 1,000

$41

52

70

96

127

166

206

$1,001 - 1,500

$56

70

92

131

165

205

271

$1,501 - 2,000

$74

93

124

171

213

267

349

$2,001 - 2,500

$92

117

154

211

264

331

428

$2,501 - 3,000

$111

138

184

253

313

389

509

$3,001 - 3,500

$129

153

218

294

361

451

586

$3,501 - 4,000

$148

172

250

334

409

524

667

$4,001 - 4,500

$165

193

297

373

458

595

743

$4,501 - 5,000

$185

217

338

414

508

661

820

$5,001 - 5,500

$207

246

375

465

560

737

901

$5,501 - 6,000

$230

266

407

515

610

816

980

$6,001 - 6,500

$252

294

443

566

674

889

1,064

$6,501 - 7,000

$274

321

480

618

749

989

1,169

$7,001 - 8,000

$304

358

541

698

836

1,091

1,298

$8,001 - 9,000

$336

397

593

783

956

1,210

1,444

$9,001-10,000

$379

436

660

865

1,085

1,331

1,609

Over $10,000 Per Person Trip Cost

5%

6%

7%

8.75%

11%

15.25%

20.5%

Per Day Cost for 32 - 365 days

$3.75

$5

$6

$7

$8

$9.25

$10.25

Trip Cost / Ages

Up to Age 30

31 - 55

56 - 70

71 - 75

76 - 80

81 - 84

85+

$0.00

$25

29

43

49

64

97

109

$1 - $250

$31

36

59

69

84

122

144

$251 - 500

$39

46

74

87

106

152

178

$501 - 750

$57

67

96

121

143

194

227

$751 - 1,000

$69

84

115

144

179

237

294

$1,001 - 1,500

$89

101

142

179

226

309

361

$1,501 - 2,000

$114

135

181

227

292

399

466

$2,001 - 2,500

$139

170

223

279

369

499

579

$2,501 - 3,000

$164

204

264

329

444

599

699

$3,001 - 3,500

$194

243

300

389

529

709

809

$3,501 - 4,000

$220

276

341

445

614

809

943

$4,001 - 4,500

$245

311

387

511

709

924

1,057

$4,501 - 5,000

$270

351

425

567

799

1,024

1,174

$5,001 - 5,500

$299

387

466

623

874

1,107

1,269

$5,501 - 6,000

$326

418

504

676

955

1,189

1,369

$6,001 - 6,500

$358

457

548

741

1,031

1,294

1,489

$6,501 - 7,000

$391

490

600

824

1,112

1,419

1,609

$7,001 - 8,000

$435

537

682

919

1,236

1,549

1,769

$8,001 - 9,000

$486

605

768

1,049

1,393

1,747

1,964

$9,001-10,000

$537

671

851

1,169

1,549

1,949

2,184

Over $10,000 Per Person Trip Cost

8.25%

9.25%

10.75%

13.50%

16.50%

20.50%

25.75%

Per Day Cost for 32 - 365 days

$6.25

$7.25

$8.25

$9.75

$11.25

$13

$14.50

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