DEFINITION OF TERMS
Insurance policies can contain technical industry terms that make reading a policy a challenge. To avoid confusion, CSA has created a list of definitions for a number of industry terms and phrases. These terms and phrases have special meaning and appear in quotation marks throughout your Insurance Policy or Certificate of Insurance. The following definitions are provided for illustrative purposes only. Please refer to your Insurance Policy or Certificate of Insurance for definitions specific to your state.
Definitions
In this Policy, "you," "your" and "yours" refer to the Insured. "We," "us" and "our" refer to the company providing this coverage. In addition, certain words and phrases are defined as follows:
ACCIDENT
A sudden, unexpected, unintended and external event, which causes Injury.
ACTUAL CASH VALUE
Purchase price less depreciation.
BAGGAGE
Luggage, personal possessions, and travel documents taken by you on the Covered Trip.
COMMON CARRIER
Any land, water, or air conveyance operated under a license for the transportation of passengers for hire, not including taxi cabs, or rented, leased, or privately owned motor vehicles.
COVERED TRIP
1. A period of round-trip travel away from Home to a destination outside your city of residence; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and return dates specified when the Insured enrolls; the Trip does not exceed 365 days or,
2. A period of one-way travel that starts in the United States or Canada (except U.S. citizens may begin their Trip outside the United States if returning to the United States); the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and arrival dates and defined departure and arrival places specified when the Insured enrolls; travel is primarily by Common Carrier and only incidentally by private conveyance; and the Trip does not exceed 31 days in length.
DEDUCTIBLE
The amount which must be incurred by you before benefits are paid under the policy.
DOMESTIC PARTNER
A person who is at least eighteen (18) years of age and you can show: 1) Evidence of financial interdependence, such as joint bank accounts or credit cards, jointly owned property, and mutual life insurance or pension beneficiary designations; 2) Evidence of cohabitation for at least the previous six (6) months; and 3) An affidavit of domestic partnership if recognized by the jurisdiction within which they reside.
ELECTIVE TREATMENT AND PROCEDURES
Any medical treatment or surgical procedure that is not medically necessary including any service, treatment or supplies that are deemed by the federal, or a state or local government authority, or by us to be research or experimental or that is not recognized as a generally accepted medical practice.
EXOTIC VEHICLE
Includes Alfa Romeo, Aston Martin, Auburn, Avanti, Bentley, Bertone, BMC/Leyland, BMW M Series, Bradley, Bricklin, Cosworth, Clenet, DeLorean, Excalibre, Ferrari, Iso, Jaguar, Jensen Healy, Lamborghini, Lancia, Lotus, Maserati, Morgan, Pantera, Panther, Pininfarina, Rolls Royce, Rover, Stutz, Sterling, Triumph, TVR, Corvette, Mercedes-Benz, Porsche, and MG.
You must contact CSA TRAVEL PROTECTION® Customer Service at (800) 348-9505 before renting to obtain confirmation that the vehicle is covered.
FINANCIAL INSOLVENCY
The total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, or the total cessation or complete suspension of operations following the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company or other supplier of travel services which is duly licensed in the state(s) of operation other than the policyholder or the person, organization, agency or firm from whom you directly purchased or paid for your Covered Trip.
FAMILY MEMBER
Includes your or the Traveling Companion's dependent, spouse, child, spouse's child, son-in-law, daughter-in-law, parent(s), sibling(s), brother-sister, grandparent(s), grandchild, step-brother-sister, step-parent(s), parent(s)-in-law, brother-sister-in-law, guardian, Domestic Partner, foster-child or ward.
HOME
Your primary or secondary residence.
HOSPITAL
An institution that meets all of the following requirements:
1. It must be operated according to law;
2. It must give 24-hour medical care, diagnosis and treatment to the sick or injured on an inpatient basis;
3. It must provide diagnostic and surgical facilities supervised by Physicians;
4. Registered nurses must be on 24-hour call or duty; and
5. The care must be given either on the hospital's premises or in facilities available to the hospital on a pre-arranged basis.
A Hospital is not: a rest, convalescent, extended-care, rehabilitation or other nursing facility; a facility that primarily treats mental illness, alcoholism or drug addiction (or any ward, wing or other section of the hospital used for such purposes); or a facility which provides hospice care (or wing, ward or other section of a hospital used for such purposes).
INJURY
Bodily harm caused by an Accident which:
1. Occurs while your coverage is in effect under the plan; and
2. Requires examination and treatment by a Physician. The Injury must be the direct cause of loss and must be independent of all other causes and must not be caused by, or result from, Sickness.
INSURED
An Eligible Person who arranges a Covered Trip, and pays any required plan payment.
OTHER COVERED EVENTS
Only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy:
1. Common Carrier delays resulting from inclement weather or mechanical breakdown of the aircraft, ship or boat or motor coach on which you are scheduled to travel, or organized labor strikes that affect public transportation;
2. arrangements cancelled by an airline, cruise line, motor coach company or tour operator, resulting from inclement weather, mechanical breakdown of the aircraft, ship, boat or motor coach on which the insured is scheduled to travel, or organized labor strikes that affect public transportation;
Items 1 and 2 above are subject to the following conditions:
a. the scheduled carrier connecting times must meet airline required legal minimum connect times; and
b. the scheduled time between arrival at the Scheduled Trip Departure City and the scheduled trip departure must be 2 hours or longer.
3. arrangements cancelled by a tour operator, cruise line, airline, rental car company, hotel, condominium, railroad, motor coach company or other supplier of travel services, resulting from Financial Insolvency.
Coverage for Financial Insolvency is included if:
Your premium for this insurance plan and your enrollment form is received within 14 days of the date your initial Trip deposit is received. ONLY AVAILABLE ON THE Gold PLAN.
See the definition of Financial Insolvency which details the coverage provided.
4. a change in plans by you, a Family Member traveling with you, or Traveling Companion, resulting from one of the following events which occurs while coverage is in effect under this Policy:
a. being directly involved in a documented traffic accident while en route to departure;
b. being hijacked, quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, a Family Member traveling with you or a Traveling Companion is not
1. a party to the legal action, or
2. appearing as a law enforcement officer;
c. your home is made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster;
d. being called into active military service to provide aid or relief in the event of a natural disaster;
e. a documented theft of passports or visas;
f. a Terrorist Act which occurs in Your departure city or in a foreign city which is a scheduled destination for Your Trip, provided: the Terrorist Act occurs within 30 days of the Scheduled Departure Date for Your Covered Trip.
g. Cancellation of your Covered Trip if your arrival on the trip is delayed and causes you to lose 50% or more the scheduled Covered Trip duration due to the reasons covered under the Covered Trip Travel Delay Benefit.
OTHER VALID AND COLLECTIBLE GROUP INSURANCE
Any group policy or contract which provides for payment of medical expenses incurred because of Physician, nurse, dental or Hospital care or treatment; or the performance of surgery or administration of anesthesia. The policy or contract providing such benefits includes group or blanket insurance policies; service plan contracts; employee benefit plans; or any plan arranged through the employer, labor union, employee benefit association or trustee; or any group plan created or administered by the federal or a state or local government or its agencies. In the event any other group plan provides for benefits in the form of services in lieu of monetary payment, the Usual and Customary value of each service rendered will be considered a Covered Expense.
PHYSICIAN
A person licensed as a medical doctor by the jurisdiction in which he or she is resident to practice the healing arts. He or she must be practicing within the scope of his or her license for the service or treatment given and may not be you, a Traveling Companion or a Family Member of yours.
PRE-EXISTING CONDITION
An illness, disease, or other condition during the 180-day period immediately prior to your effective date for which you or your Traveling Companion or Family Member is scheduled or booked to travel with you:
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 which 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 180-day period before coverage is effective under this Policy.
The exclusion for Pre-Existing Conditions may be waived. Please see options for the Gold Plan.
SCHEDULED DEPARTURE DATE
The date on which you are originally scheduled to leave on your Covered Trip.
SCHEDULED RETURN DATE
The date on which you are originally scheduled to return to the point where the Covered Trip started or to a different final destination.
SCHEDULED TRIP DEPARTURE CITY
The city where the scheduled trip on which you are to participate originates.
SICKNESS
An illness or disease of the body which requires examination and treatment by a Physician.
TERRORIST ACT
An act of violence, other than civil disorder or riot, (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government.
TRAVELING COMPANION
A person whose name(s) appear(s) with you on the same Trip arrangement.
USUAL AND CUSTOMARY
Those charges for necessary treatment and services that are reasonable for the treatment of cases of comparable severity and nature. This will be derived from the mean charge based the experience in a related area of the service delivered and the MDR (Medical Data Research) schedule of fees valued at the 90th percentile and Anesthesia Relative Value Guide.
NOTE: This is not the Certificate of Insurance. Please refer to your Certificate of Insurance for definitions specific to your state.
