What is Travel Insurance?

27 Aug 2017
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We all ask the question, "Do I need Travel Insurance?" And if you are anything like me, you don't really want to take the time to read what having Travel Insurance actually means. To make your decision a little less difficult, take a peek at our summary on what Travel Insurance actually is and if its best for you and your next vacation! 

All insurances are different, but if you are traveling to Washington State, the below are standard rights and regulations we have put in place. So if you have insurance, you can expect the following benifits: 

Loss: Percentage of Principal Sum Payable:

Life......................................100% Both Hands; Both Feet and Sight of Both Eyes . . . 100% One Hand and One Foot . . . . . . . . . . . . . . . . . . . . . 100% One Hand and Sight of One Eye . . . . . . . . . . . . . . . 100% One Foot and Sight of One Eye . . . . . . . . . . . . . . . 100% One Hand; One Foot or Sight of One Eye. . . . . . . . .50% Exclusions

We will not pay for loss caused by or resulting from:

1. Sickness of any kind;
2. service in the armed forces of any country. 

EMERGANCY ASSISTANCE SERVICES: 

Medical Referral

If an emergency occurs during a trip that requires you to visit a doctor, you should call the Emergency Hotline to obtain the names of local quali ed doctors who speak your language. If additional medical services are required, the assistance provider is prepared to consult with the attending physician and provide such assistance, as they believe to be in your best interest.

Traveling Companion Assistance

If a Traveling Companion loses previously-made travel arrangements due to your medical emergency, the assistance provider will arrange for your Traveling Companion’s return home. 

ON DEMAND MEDICAL CARE: 

Consult A Doctor TM

Consult A Doctor offers 24/7 access to its proprietary nationwide cross-coverage network of U.S. licensed physicians for telephone and secure e-mail medical consultations. Physicians provide speci c answers to medical questions and advice regarding non-emergency, routine medical conditions. Physicians discuss symptoms, recommend treatment options, diagnose many common conditions, and prescribe medication when appropriate 

ROAD SIDE ASSISTANCE: 

You will have to pay for any non-covered expenses or covered costs in excess of your per occurrence maximum. Service must be a covered bene t under the terms and conditions of this contract and is available only for the speci c Covered Vehicle. Covered Vehicle means any vehicle registered to the insured and used while on a trip.

All of the services provided are described herein and are applicable throughout the United States.

24-Hour Roadside Assistance includes:

• Towing Service• Battery Jump/Minor Roadside Adjustments• Flat Tire Change: A at tire will be changed with the insured’s spare tire• Fuel Delivery

• Vehicle Winching/Extraction: Your vehicle will be winched if it is stuck in a ditch, mud or snow as long as it is accessible from a normally traveled roadway.• Locksmith Services 

BAGGGAGE COVERAGE: 

We will reimburse you, up to the amount shown in the Schedule, less any amounts payable under your homeowner’s or renter’s insurance, for direct loss, theft, damage or destruction of your Baggage, passports or visas during your Trip, provided you have taken reasonable steps to protect your Baggage against loss, theft, damage and destruction. Under this coverage, we will also provide bene ts for the administrative fees to reissue lost, stolenor damaged tickets, visas or passports. We will also pay for loss due to unauthorized use of your credit cards, if you have complied with all of the credit card conditions imposed by the credit card companies. 

GENERAL EXCLUSIONS: 

1.We will not pay for any loss under this Policy, caused by, or resulting from:

  1. your or your Traveling Companion’s suicide, attempted suicide, or intentionally self-in icted injury;

  2. mental, nervous, or psychological disorders of you or your Traveling Companion;

  3. you or your Traveling Companion being under the in uence of drugs or intoxicants, unless prescribed by a Physician;

  4. normal pregnancy or resulting childbirth, elective abortion or fertility treatment of you or your Traveling Companion;

  5. your or your Traveling Companion’s participation as a professional in athletics;

  6. your or your Traveling Companion’s participation in organized amateur and interscholastic athletic or sports competition or events;

  7. you or your Traveling Companion riding or driving in any motor competition;

  8. you or your Traveling Companion operating or learning to operate any aircraft, as pilot or crew;

  9.  you or your Traveling Companion mountain climbing, bungee cord jumping, skydiving, parachuting, hang gliding, parasailing, caving, extreme skiing, heli-skiing, skiing outside marked trails, boxing, full contact martial arts, scuba diving below 120 feet (40 meters) or without a dive master, or travel on any air-supported device, other than on a regularly scheduled airline or air charter company;

  10. j. your or your Traveling Companion’s Elective Treatment and Procedures;

    k. your or your Traveling Companion’s medical treatment during or arising from a Trip undertaken for the purpose or intent of securing medical treatment;

    l. declared or undeclared war, or any act of war;

    m. nuclear reaction, radiation or radioactive contamination;

    n. any unlawful acts, committed by you or your Traveling Companion;

    o. any amount paid or payable under any Worker’s Compensation, disability bene t or similar law;

    p. a loss or damage caused by detention, con scation or destruction by customs or any governmental authority, regulation or prohibition;

    q. travel restrictions imposed for a certain area by governmental authority;

    r. Financial Insolvency of the person, organization or rm from whom you directly purchased or paid for your Trip, Financial Insolvency which occurred, or for which a petition for bankruptcy was led by a travel supplier, before your effective date for the Trip Cancellation Bene ts, or Financial Insolvency which occurs within 14 days following your effective date for the Trip Cancellation Bene ts;

    s. Pandemic and/or Epidemic;

    t. a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage is not in effect for you;

    u. any issue or event that could have been reasonably foreseen or expected when you purchased the coverage. 

    10 DAY RIGHT TO EXAMINE POLICY

    If you are not satis ed for any reason, you may cancel coverage under the Policy within 10 days after receipt. Your premium payment will be refunded provided that there has been no incurred covered expense and you have not left on your Trip. Return the Policy to us at the Program Administrators of ce or our authorized agent. When so returned, the Policy is void from the beginning. After this 10-day period, the payment for this coverage is nonrefundable. 

    For More travel insurace details or to view full policy, please visit the link:   http://www.csainsuranceservices.com/pdf/G330CSA_wapolicy.pdf