Travel Insurance for South America Vacations

An illness, an accident or an unexpected situation can arise before or during your vacation, causing it to be cut short or canceled altogether. Unfortunately, resorts and airlines impose penalties for canceling a vacation within certain time frames, up to and including the loss of the entire vacation price. However, with CSA Travel Protection on your side, you'll have the comfort and assurance that your hard-earned vacation investment is protected. CSA safeguards you before, during and after your trip with insurance coverage, 24-hour emergency assistance and concierge services.

PLAN DETAILS

Benefits and services are described here in general terms. For a complete look at policy benefits and exclusions, please contact your Vacations To Go travel counselor for a sample certificate. Please note that insurance coverage must be purchased prior to or within 24 hours of the initial trip deposit. Travelers must be residents of the United States or purchase insurance within the United States for the certificate or policy to be effective.

This plan is administered by CSA Travel Protection and Insurance Services and underwritten by the United States Fire Insurance Company. To obtain CSA 's license number in your state, please click here. CSA reserves the right to reject applications.

Plan Rates & Compensation:

For Trips over $10,000 per person or longer than 31 days, please call your Vacations To Go travel counselor.

Coverages & Services:

The table below provides a side-by-side comparison of per person and per policy CSA coverage and benefit limits.

* Insurance coverage is provided to all travelers listed on the policy.

** Coverage for trip delay requires a delay of at least 12 hours before coverage will go into effect.

Cancel For Any Reason Benefit
Cancel for any reason will be included on all policy purchases, provided the client qualifies for the benefit. In order to qualify for the Cancel for Any Reason benefit, the following stipulations must be met:

1. You must purchase your policy prior to or within 24 hours of initial deposit.
2. The booking for this trip must be the first and only booking for the travel period and destination.
   
3. Insured is not medically disabled at the time of purchase.
   
4. The trip cost is less than $10,000 per person.
   
5. Insured must cancel the trip more than 48 hours prior to the scheduled departure date.
   
6. Coverage is purchased for 100% of all prepaid costs.
   

If you cancel 48 hours or more prior to departure, your Cancel for Any Reason benefit applies.

If you cancel within 48 hours of departure, standard trip cancellation coverage applies, such as:

• Covered sickness or injury
• The death of you, a family member or traveling companion
• Common carrier delays for at least 24 consecutive hours resulting from inclement weather, mechanical breakdown or unannounced strikes
• Bankruptcy or default of a travel supplier
• Jury duty
• Your primary residence or accommodations at your destination are made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster
• Your primary residence is made uninhabitable by burglary
• Mandatory hurricane evacuations
• Being called into emergency military duty for a natural disaster
• Documented theft of passports or visas

Pre-Existing Medical Conditions
This plan contains a Pre-Existing Medical Condition Exclusion. The look back period for Pre-Existing Medical Conditions is 60 days. Pre-Existing Medical Conditions refer to any injury, sickness, or condition of the insured, traveling companion or family member for which within the 60 day period prior to the insured's effective date under this plan:

1. Manifested itself, became acute or exhibited symptoms which would have caused one to seek diagnosis, care or treatment; or
2. Required taking prescribed drugs or medicine, unless the condition for which the prescribed drug or medicine is taken remains controlled without any change in the required prescription; or
3. Required medical treatment or treatment was recommended by a legally qualified physician.

Definition of Family Member: A family member is defined as the insured's or traveling companion's legal spouse (or common-law spouse where legal), legal guardian, son or daughter (adopted, foster, step or in-law), brother or sister (includes step or in-law), parent (includes step or in-law), grandparent (includes in-law), grandchild, aunt, uncle, niece, nephew, domestic partner, an employed caregiver who lives with the insured or a person for whom the insured is the primary caregiver with whom the insured have lived for 12 continuous months prior to the effective date of the insured's plan, whether or not they travel with the insured.

Other Exclusions
Other than the cancel for any reason benefit, claims are not payable for sicknesses, injuries or losses of an insured or an insured's traveling companion caused by or resulting from:

• Suicide, attempted suicide, or intentionally self-inflicted injury (except as a result of a mental or nervous disorder in CT) while sane or insane (while sane in CO & MO);
• An act of declared or undeclared war;
• Mental, nervous, or psychological disorders (unless hospitalized);
• Participating in maneuvers or training exercises of an armed service;
• Riding, driving or participating in races, or speed or endurance contests;
• Mountaineering (engaging in the sport of scaling mountains, generally requiring the use of picks, ropes, or other special equipment);
• Participating as a member of a team in an organized sporting competition;
• Participating in skydiving, hang-gliding, bungee cord jumping;
• Piloting or learning to pilot, or acting as a member of the crew of any aircraft;
• Being intoxicated (as specifically defined by CSA) or under the influence of any controlled substance, unless administered on the advice of a legally qualified physician;
• A contributory cause was the commission of or attempt to commit a felony or being engaged in an illegal occupation;
• Loss or damage (including death or injury) and any associated cost or expense resulting directly from the discharge, explosion or use of any device, weapon or material employing or involving chemical, biological, radiological or similar agents, whether in a time of peace or war, and regardless of who commits the act and regardless of any other sequence thereto;
• Normal childbirth, normal pregnancy (except complications of pregnancy) or voluntary induced abortion;
• Participation as a professional in athletics;
• Participation in organized amateur and interscholastic athletic or sports competition or events;
• Civil disorder (does not apply to Trip Delay);
• Any amount paid or payable under any Worker's Compensation, disability benefit or similar law;
• Elective treatment and procedures;
• Medical treatment during or arising from a covered trip undertaken for the purpose or intent of securing medical treatment;
• Business, contractual or educational obligations;
• Failure of any tour operator, common carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements;
• 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;
• A pre-existing condition as defined.

Please note that additional exclusions may apply to specific coverages. All exclusions will be indicated in your certificate or policy.

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

Services that qualify for 24-hour emergency assistance are listed below. 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)

Concierge services provide assistance in arranging sporting, amusement park and entertainment ticketing, as well as fine dining reservations, golf tee times and special events.

OTHER DETAILS

10-Day Free Look
CSA stands behind its products and services. That's why it offers a 10-day free look at 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 or already filed a claim.

Policy Confirmation

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

Please note that this is not a complete description of all benefits, limitations and exclusions. For full terms and conditions of coverage, contact your Vacations To Go travel 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 travel counselor at the time of booking.

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