CSA Travel Insurance

AMI Locals is proud to partner with CSA to offer Travel Insurance.  If you would like to purchase this optional travel protection, please call our Reservations team at 941-757-8226.  Please read the information and details about this Guest Protect Travel Insurance here, and reach out to us with any questions. 

Please note: Guest Protect Travel Insurance is not available through AMI Locals for Residents of New York and Hawaii.  Please contact CSA Travel directly at (877) 243-4135, or visit the CSA Travel website.


CSA Guest Protect Travel Insurance
Even the best planned trip can be impacted by the unexpected, forcing you to cancel or interrupt your trip, lose your vacation investment and incur unplanned expenses. Get the peace of mind you deserve by purchasing Guest Protect travel insurance from Generali Global Assistance.

Valuable Protection for Before, During and After Your Vacation
Sudden illness, medical emergency, natural disaster, adverse weather, delayed flights, road closures or lost or delayed luggage can quickly derail a trip, and sometimes at the least convenient moment.

Anticipating the unexpected with Generali Global Assistance travel insurance insures your vacation investment from costly covered events and helps reimburse you and others staying at your reservation for surprise expenses.  

With this valuable protection plan, you get:

  • Trip Cancellation coverage for a variety of unforeseen circumstances, including mandatory evacuations and sickness and injury of yourself, a traveling companion or family member.
  • A wide range of post-departure coverages, including Trip Interruption, Travel Delay, Medical and Dental, Emergency Assistance and Transportation, Baggage, Rental Car Damage and more. Note Rental Car Damage is not available to residents of Texas.
  • Coverage for Pre-Existing Medical Conditions when you purchase your plan prior to or within 24 hours of final payment and are medically able to travel when you buy your plan.
  • Valuable assistance services including 24/7/365 emergency assistance, concierge services, on demand medical care— including no-out-of-pocket medical expenses— identity theft resolution and roadside assistance.
  • A 10-day free look to review your plan and decide if it’s right for you. If you wish to cancel your plan within 10 days of purchase and have not yet left on your trip or filed a claim you can do so and receive a full refund of your plan cost.


Travel Insurance Plan Details

 

Insurance Coverage

 Overview

Trip Cancellation
100% of Trip Cost

 Provides reimbursement for unused,  non-   refundable, pre-paid trip costs if you are   prevented from taking your trip due to a   covered reason, including: mandatory   hurricane evacuations; sickness, injury or 
 death of you, your traveling companion or   family member; extension of school year;   armed service leave revocation; involuntary   termination of employment or other specific   reasons listed in the Policy/Description of   Coverage. Certain restrictions apply.

Trip Interruption
150% of Trip Cost

 Provides reimbursement for unused, non-   refundable, pre-paid trip costs if your trip is   interrupted due to a covered event.  Also   provides reimbursement for the additional   transportation cost to return home or rejoin   your group.  Covered reasons include:   mandatory hurricane evacuations; sickness,   injury or death of you, your traveling   companion or family member; or other specific   reasons listed in the Policy/Description of   Coverage.  Certain restrictions apply.

Travel Delay
$200 daily limit applies
$600

 Provides reimbursement for reasonable   expenses incurred such as accommodations,   meals and local transportation, even additional   kenneling fees if you are delayed 12 hours or   more during your trip due to a covered reason.

Baggage Coverage
$1,000

 Provides coverage for loss, theft or damage to   your baggage and covered personal effects,   including sports equipment, during your   covered trip.

Baggage Delay
$1,000

 Provides reimbursement for the purchase of   necessary items, including sports equipment,
 if baggage is delayed for more than 24 hours   during your covered trip.

Medical and Dental
$25,000

 Provides coverage for the necessary medical,   surgical and emergency dental care costs if   you become sick or accidentally injured while   on your covered trip.  Coverage is in excess of   your standard coverage, except where   prohibited.

Emergency Assistance and Transportation
$1,000,000 Per Plan

 Benefits include transportation to the nearest   suitable medical facility, help to return home if   medically necessary,  and expenses for a   companion to visit you if you are traveling   alone and are hospitalized for more than 7   days.

Accidental Death & Dismemberment - Travel Accident
$100,000 Per Plan

 Provides coverage if you are injured by  an   accident, which occurs while you are on a trip,   and you suffer the loss of life or limb within 
 365 days of the accident.

Rental Car Damage
Not available to residents of TX
$25,000 Per Plan

 Provides primary coverage if your rental car is   damaged due to collision, fire, flood, theft,   vandalism, wind storm or hail.


FAQ’s
Do I need insurance?

We highly recommend purchasing vacation rental insurance as it offers you coverage if you have to cancel or interrupt your trip due to a number of covered reasons and would otherwise lose your prepaid trip costs.

When can I buy coverage?
Plans are offered when you make your reservation and can be purchased up until final payment. Contact the rental office to learn more.

Who’s covered?
Everyone staying at the reservation is insured. Note that some coverages are subject to policy maximums.

What is the maximum trip length I can insure?
180 days (maximum trip length for residents of Washington is 90 days).

Can I add coverage to my plan after I purchase it?
Yes. If you purchase additional arrangements such as flights, rental car, a round of golf or show tickets prior to your departure date, you can purchase additional coverage to insure those arrangements.

What if I change my mind?
If you purchase this plan and are not satisfied within 10 days of receipt, contact the rental office to indicate your desire to cancel. If you haven't already left on your trip or filed a claim, you will receive a complete refund of your plan cost.

If I buy the plan today, when does coverage begin?
Trip Cancellation coverage begins at 12:01 A.M. on the day after the date the plan payment is received. All other coverages begin when you depart on your covered trip.

What is a covered event?
Insurance plans cannot cover all events that might happen to you. Those events which are covered are listed in your Description of Coverage or Policy.

What are some of the covered events?
Some examples of covered reasons for Trip Cancellation or Trip Interruption include sickness, injury or death of you, a family member or traveling companion; mandatory evacuation at your destination; interruption of road service; interruption of essential services at your rental; your home made uninhabitable by hurricane or other natural disaster; flight delays due to bad weather; a documented traffic accident en route to your destination; involuntary termination of employment; and acts of terrorism. Additional terms and conditions apply, review a sample Description of Coverage/Policy for full details.

Who is considered as a family member?

  • Traveling Companion(s)
  • Insured’s or Traveling Companion’s Spouse
  • Insured’s, Traveling Companion’s or Spouse’s: child; parent; sibling; grandparent, great-grandparent, grandchild or greatgrandchild; step-parent, step-child or step-sibling; son-in-law or daughter-in-law; brother in-law or sister-in-law; aunt or uncle; niece or nephew; legal guardian; foster child or legal ward.

What is a foreseeable event?
Foreseeable simply means reasonably known beforehand. Once it is reasonable that guests traveling to an area would know about an event, it becomes foreseeable. For example, if the airline you are flying announces that they are going on strike, the event becomes foreseeable once they make the announcement.

Is it possible to insure pre-existing medical conditions?
Yes, we can accept pre-existing medical conditions for you and your traveling companions as long as you purchase your plan prior to or within 24 hours of your final trip payment and you are medically able to travel at the time the coverage is purchased.

What is a pre-existing medical condition?
A pre-existing medical condition means a sickness or injury during the 60-day period immediately prior to your effective date for which you or your traveling companion:

  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 that is treated or controlled solely through the taking of prescription drugs or medicine, and remains treated or controlled without any adjustment or change in the required prescription throughout the 60-day period before coverage is effective under the insurance plan.

See the plan Description of Coverage or Policy for more details.

What can be reimbursed if I have to cancel my trip? 
The plan can reimburse you up to the amount in the schedule for unused, non-refundable, prepaid trip costs if you are prevented from taking your trip due to a covered event listed in your Description of Coverage or Policy.

If my trip is cancelled or interrupted for a covered reason, can I be reimbursed for other prepaid travel costs like airplane tickets or a spa package?
Yes, provided these costs have been insured. 

I have coverage questions, who should I ask about them?
Call Generali Global Assistance toll-free 866-999-4018.

How does the claims process work?
Filing a claim is a relatively easy process. Contact the rental office, Generali directly at 800-541-3522 or visit our claim form page to obtain the necessary claim forms. Once you’ve completed your claim form and gathered your supporting documentation, submit your claim to Generali via email at claims@generalitravelinsurance.com or via mail at:

Generali Global Assistance & Insurance Services Attn: Claims Department
P.O. Box 939057
San Diego, CA 92193-9057

Once your forms are received you’ll be assigned a dedicated claims team member who will process your claim from start to finish and will reach out to you if they have any questions or additional information is needed. 

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