When can I buy coverage?

Plans are typically purchased at the time the reservation is made or within 48 hours after.

What is a covered event?

As an insurance policy cannot cover all events that might happen to policyholder, those events that are covered are listed in your Plan Document under the Trip Cancellation and Trip Interruption coverages. Plan Documents can also be obtained via the Plans page at shop.vacationrentalinsurance.com.

What is a foreseeable event?

Foreseeable simply means reasonably known beforehand. Once it is reasonable that people traveling to an area would know about an event, it becomes foreseeable. For example, if the airline policyholder is flying and the airline announces that they are going on strike, the event becomes foreseeable once the airline makes the announcement.

Is it possible to insure pre-existing medical conditions?

Yes, pre-existing medical conditions for the policyholder and your traveling companions are acceptable as long as the policyholder purchases your plan prior to or within 24 hours of the final trip payment and the policyholder is 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 the effective date for which the policyholder or the Traveling Companion: Received, or received a recommendation for, a diagnostic test, examination, or medical treatment, or 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 this Policy. See Plan Plan Document for more details.

What is the maximum trip length I can insure?

180 days (maximum trip length for residents of Washington is 90 days).

What services are available to the policyholder before, during and after their trip?

Before and during the trip, a 24-Hour emergency hotline is available to assist the policyholder with various travel needs, including medical and legal referrals, emergency cash transfers, pre-travel advice, translation services, identity theft resolution services, concierge services and more. If the unexpected occurs, our customer service representatives will assist the policyholder with any claims forms needed, as well as provide the policyholder with individualized attention. Upon receipt of your completed claims forms, a dedicated claims agent will be assigned specifically to your case upon your return.

Can the policyholder’s traveling companions be insured on the same policy?

Yes. This is a per-reservation policy, and everyone staying at the hotel under the covered reservation would be insured. However, note that some benefits are subject to policy maximums.

May I add coverage to my policy after I purchase it?

Yes. If the policyholder purchases additional arrangements such as flights, a rental car, a round of golf, or show tickets prior to their departure date, a phone call to customer service will allow them to add coverage.

I need to make changes to an existing hotel reservation, airline or other booking. Who should I contact?

For information about your hotel or to make changes to an existing booking, please contact the hotel or company from whom the policyholder booked the hotel, flight or other activity with. Once your changes have been made, contact Generali Insurance CSA’s customer service representatives at 800-874-2442 to update the insurance plan to reflect the changes.

How can I update a travel insurance plan that's already been purchased (name change, extra trip costs, travel dates, etc.)?

If you need to modify your existing insurance plan, such as adding coverage for additional trip costs, updating a name on the plan, or adjusting the travel dates, contact Generali Insurance CSA’s customer service representatives at 800-874-2442 or go online to www.generalipartner.com/modify-policy.

Can I cancel my plan?

You are eligible for a refund of your plan cost if the policyholder cancels the plan within the 10-day free look period and has not filed a claim or departed on their trip. For most plans and states of residence, the free look period is the days following the receipt of your plan documents. Please refer to your Description of Coverage/Policy for your free look period. In order to cancel your plan, you can contact Generali Insurance CSA’s customer service representatives at 800-874-2442 or go online to www.generalipartner.com/modify-policy.

What should I do if I have to cancel my trip?

First, the policyholder should notify the hotel to cancel the room reservation(s). Then call Generali Insurance CSA toll-free at (866) 999-4018 to request a claim form.

What can be reimbursed if I have to cancel my trip?

The plan can reimburse the policyholder up to the amount in the schedule for prepaid, non-refundable payments made for your trip when your cancellation falls under one or more of the covered events listed in the Plan Document.

If my trip is canceled for a covered reason, can I be reimbursed for my other travel costs, like airplane tickets or a spa package?

What if my trip is delayed

Generali Insurance CSA's Travel Delay coverage will pay up to $600 for reasonable expenses incurred, such as accommodation, meals and local transportation, due to a covered delay of 12 hours or more.

My trip provider/airline canceled my trip. What should I do?

You should first contact your trip provider / airline to determine if any portion of your trip will be refunded. If any portion is not refunded, then Generali Insurance CSA will require proof of this as well as proof of cancellation, for your claim. There may be other required documentation in the event policyholder file a claim; the eClaims portal will specify the documents required for each type of claim.

Can I file a claim for the cost of my insurance plan cost?

No, the policyholder may not file a claim for this cost. The insurance is non-refundable after the free look period or once the insured travels or files a claim.

Do I have to cancel my trip to file a claim for trip cancellation?

Yes, in order to have a payable claim, the arrangements need to be canceled or unused.

How does a policyholder get reimbursed for a payable claim?

Generali Insurance CSA uses ZelleÂ® to provide ePayments and to transfer funds directly to your bank account without the policyholder having to provide any account information—just your phone number or email address. Zelle payments are easy, fast and safe, and policyholders don’t have to wait for a check to arrive in the mail or worry about it being lost or stolen. To receive an ePayment, Generali Insurance CSA must have a valid email or phone number on file for the policyholder, and the policyholder must have a U.S. bank account. Learn more

I have questions regarding my claim and/or policy. Who should I contact?

For questions regarding your claim and/or policy only, policyholder may contact Generali Insurance CSA: Telephone 866-999-4018 (English) 800-318-0179 (Español) Mail CSA Travel Protection P.O. Box 939057 San Diego, CA 92193-9057 Email csa@csatravelprotection.com

I need emergency assistance. Who should I contact?

For emergency assistance 24 hours a day during your trip only, policyholder may contact Generali Insurance CSA at Telephone 877-243-4135 (240-330-1529 Collect Worldwide)

Take the Worry and Stress Out of Travel with Travel Insurance

Trusted by over 6 million travelers every year

How Travel Insurance Can Help

Problems happen with travel plans more often than you might think. One in six U.S. adults reported having to cancel, interrupt or delay their trip.¹ Travel insurance can help protect your vacation investment from certain unforeseen events that could upset your travel plans and cost you.

H2O Suites Hotel has partnered with Generali Insurance, a global leader in travel insurance, to enhance our guests' travel experiences by offering comprehensive travel insurance solutions. Generali is one of the world's largest insurance providers, and it is trusted by over 6 million travelers every year. Our commitment to delivering exceptional service and taking the stress out of travels aligns perfectly with Generali Insurance's CSA Travel Protection program. This partnership ensures our guests have crucial coverage for unexpected events, making their trips as smooth and worry-free as possible.

Coverages	Maximum Limits Per Plan Holder	Maximum Limits Per Plan
Trip Cancellation	100% of Trip Cost Insured, up to $50,000	100% of Trip Cost Insured, up to $50,000
Trip Interruption	150% of Trip Cost Insured, up to $75,000	150% of Trip Cost Insured, up to $75,000
Travel Delay ($200 Max.Payable Per Person, Per Day)	$600	$6,000
Baggage Coverage	$1,000	$10,000
Baggage Delay Coverage	$1,000	$10,000
Medical and Dental	$25,000	$250,000
Emergency Dental Expense Limit	$2,000	$20,000
Emergency Assistance and Transportation	$1,000,000	$1,000,000
Emergency Companion Hospitality Expense	$10,000	$10,000
Accidental Death & Dismemberment	$100,000	$100,000

Services
24-Hour Emergency Assistance	Included
Concierge Services	Included
Roadside Assistance	Included

On-Demand Medical Services
Telemedicine	Included
$1,000 of No Out-of-Pocket Service	Included

ID Theft Resolution
ID Theft Resolution Services*	Included

Insurance Coverages

Trip Cancellation

100% of Trip Cost

Trip Interruption

Travel Delay

Baggage Coverage

Baggage Delay

Medical and Dental

Emergency Assistance and Transportation

Accidental Death & Dismemberment

Rental Car Damage

24-Hour Emergency Assistance

Concierge Services

Roadside Assistance

Telemedicine Service

Identity Theft Resolution

Our travel insurance offering is available exclusively to U.S. residents and can be purchased any time before the trip departure date. However, we highly recommend purchasing it at the time of booking, or within 24 hours of booking if there are any pre-existing medical conditions.

10-DAY FREE LOOK

Generali is committed to providing the best possible service. That's why, if you need to cancel your plan, you may do so and receive a full refund of your plan cost as long as you cancel your plan within the free look period and have not ﬁled a claim or departed on your trip. Free look periods are 30 days in length for residents of Indiana and either 10 or 15 days in length for residents of all other states. You should refer to your policy terms and conditions for the length of the free look period within their state of residence.

Travel Insurance Plan Details

Insurance Coverage	Overview
Trip Cancellation 100% of Trip Cost	Provides reimbursement for forfeited, prepaid, non-refundable, and non-refunded published payments you paid for your unused trip if you are prevented from taking the trip due to a covered reason.
150% of Trip Cost	Provides reimbursement of forfeited, prepaid, non-refundable, and non-refunded published payments that you paid for your unused land or water arrangements if your trip is interrupted due to a covered reason. Also provides reimbursement for the additional transportation cost to return home or rejoin your group.
Travel Delay $600 per person $200 per person per day	Provides reimbursement for reasonable additional expenses incurred by you for accommodations, meals, telephone calls, local transportation, vehicle parking charges, and pet kennel fees if and while you are delayed 12 consecutive hours or more during your trip due to a covered reason.
Baggage $1,000 per person	Provides coverage for loss, theft, or damage to your baggage and covers personal effects during the trip.
Baggage Delay $1,000 per person	Provides reimbursement for the purchase of necessary clothing and toiletry items if your baggage is delayed by a common carrier for more than 24 hours during your trip.
Medical and Dental $25,000 per person $2,000 Emergency Dental Expense $1,000 No Out-of-Pocket Medical Expense Telemedicine Service Included	Provides coverage for certain necessary medical and emergency dental care expenses if you get sick or accidentally injured while on your trip. Coverage is in excess of your standard coverage, except where prohibited.
Emergency Assistance and Transportation $1,000,000 per plan $10,000 Companion Hospitality Expenses	Beneﬁts include emergency transportation to the nearest suitable hospital, 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 seven 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 your trip, and you suffer the loss of life, one or both hands, one or both feet, and/or sight in one or both eyes within 365 days of the accident.

Travel Services

Travel Assistance

24/7 assistance with unexpected problems during your trip.

Travel Information Services

Guidance and services before you leave home and during your trip.

Concierge Services

Includes pre-trip assistance and help with scheduling golf tee times; ticketing for entertainment and other special events; making restaurant, airline, and rental car reservations; and more.

Identity Theft Resolution

A service that provides assistance when your identity has been compromised while traveling. This service is automatically included for a full 180 days starting on your scheduled departure date. ID Theft Resolution does not include and shall not assist you with thefts involving non-U.S. bank accounts.

Roadside Assistance

Provides 24-hour roadside assistance in the United States, Puerto Rico, and Canada, which includes:

Towing Service
Battery Jump/Minor Roadside Adjustments
Locksmith Services
Fuel Delivery
Vehicle Winching/Extraction
Flat-tire Change

Medical and Dental

Includes no out-of-pocket medical expense. If you develop an acute illness while traveling that requires treatment by a physician, Generali we can schedule a medical visit with an in-network physician, when available, and guarantee payment up to $1,000 to the physician for the medical visit. This service does not apply to dental-covered expenses.

Telemedicine Service

Instantly connect you with a network of physicians for information, advice, and treatment, including prescription medication, when appropriate. Telemedicine services are available during your domestic or international trip. Limitations may exist on the availability of prescription medication outside of the U.S.

We advise guests to insure their prepaid, non-refundable reservation costs, including hotel expenses, flights, event tickets, and other related costs.

Sources:

1. U.S. Travel Insurance Association survey

Frequently Asked Questions (FAQ’s)

When can I buy coverage?
Plans are typically purchased at the time the reservation is made or within 48 hours after.
What is a covered event?
As an insurance policy cannot cover all events that might happen to policyholder, those events that are covered are listed in your Plan Document under the Trip Cancellation and Trip Interruption coverages. Plan Documents can also be obtained via the Plans page at shop.vacationrentalinsurance.com.
What is a foreseeable event?
Foreseeable simply means reasonably known beforehand. Once it is reasonable that people traveling to an area would know about an event, it becomes foreseeable. For example, if the airline policyholder is flying and the airline announces that they are going on strike, the event becomes foreseeable once the airline makes the announcement.
Is it possible to insure pre-existing medical conditions?
Yes, pre-existing medical conditions for the policyholder and your traveling companions are acceptable as long as the policyholder purchases your plan prior to or within 24 hours of the final trip payment and the policyholder is 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 the effective date for which the policyholder or the 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 this Policy. See Plan Plan Document for more details.
What is the maximum trip length I can insure?
180 days (maximum trip length for residents of Washington is 90 days).
What services are available to the policyholder before, during and after their trip?
Before and during the trip, a 24-Hour emergency hotline is available to assist the policyholder with various travel needs, including medical and legal referrals, emergency cash transfers, pre-travel advice, translation services, identity theft resolution services, concierge services and more. If the unexpected occurs, our customer service representatives will assist the policyholder with any claims forms needed, as well as provide the policyholder with individualized attention. Upon receipt of your completed claims forms, a dedicated claims agent will be assigned specifically to your case upon your return.
Can the policyholder’s traveling companions be insured on the same policy?
Yes. This is a per-reservation policy, and everyone staying at the hotel under the covered reservation would be insured. However, note that some benefits are subject to policy maximums.
May I add coverage to my policy after I purchase it?
Yes. If the policyholder purchases additional arrangements such as flights, a rental car, a round of golf, or show tickets prior to their departure date, a phone call to customer service will allow them to add coverage.
I need to make changes to an existing hotel reservation, airline or other booking. Who should I contact?
For information about your hotel or to make changes to an existing booking, please contact the hotel or company from whom the policyholder booked the hotel, flight or other activity with. Once your changes have been made, contact Generali Insurance CSA’s customer service representatives at 800-874-2442 to update the insurance plan to reflect the changes.
How can I update a travel insurance plan that's already been purchased (name change, extra trip costs, travel dates, etc.)?
If you need to modify your existing insurance plan, such as adding coverage for additional trip costs, updating a name on the plan, or adjusting the travel dates, contact Generali Insurance CSA’s customer service representatives at 800-874-2442 or go online to www.generalipartner.com/modify-policy.
Can I cancel my plan?
You are eligible for a refund of your plan cost if the policyholder cancels the plan within the 10-day free look period and has not filed a claim or departed on their trip. For most plans and states of residence, the free look period is the days following the receipt of your plan documents. Please refer to your Description of Coverage/Policy for your free look period. In order to cancel your plan, you can contact Generali Insurance CSA’s customer service representatives at 800-874-2442 or go online to www.generalipartner.com/modify-policy.
What should I do if I have to cancel my trip?
First, the policyholder should notify the hotel to cancel the room reservation(s). Then call Generali Insurance CSA toll-free at (866) 999-4018 to request a claim form.
What can be reimbursed if I have to cancel my trip?
The plan can reimburse the policyholder up to the amount in the schedule for prepaid, non-refundable payments made for your trip when your cancellation falls under one or more of the covered events listed in the Plan Document.
If my trip is canceled for a covered reason, can I be reimbursed for my other travel costs, like airplane tickets or a spa package?
If my trip is canceled for a covered reason, can I be reimbursed for my other travel costs, like airplane tickets or a spa package?
What if my trip is delayed
Generali Insurance CSA's Travel Delay coverage will pay up to $600 for reasonable expenses incurred, such as accommodation, meals and local transportation, due to a covered delay of 12 hours or more.
My trip provider/airline canceled my trip. What should I do?
You should first contact your trip provider / airline to determine if any portion of your trip will be refunded. If any portion is not refunded, then Generali Insurance CSA will require proof of this as well as proof of cancellation, for your claim. There may be other required documentation in the event policyholder file a claim; the eClaims portal will specify the documents required for each type of claim.
Can I file a claim for the cost of my insurance plan cost?
No, the policyholder may not file a claim for this cost. The insurance is non-refundable after the free look period or once the insured travels or files a claim.
Do I have to cancel my trip to file a claim for trip cancellation?
Yes, in order to have a payable claim, the arrangements need to be canceled or unused.
How does a policyholder get reimbursed for a payable claim?
Generali Insurance CSA uses Zelle® to provide ePayments and to transfer funds directly to your bank account without the policyholder having to provide any account information—just your phone number or email address. Zelle payments are easy, fast and safe, and policyholders don’t have to wait for a check to arrive in the mail or worry about it being lost or stolen. To receive an ePayment, Generali Insurance CSA must have a valid email or phone number on file for the policyholder, and the policyholder must have a U.S. bank account. Learn more
I have questions regarding my claim and/or policy. Who should I contact?

For questions regarding your claim and/or policy only, policyholder may contact Generali Insurance CSA:

Telephone
866-999-4018 (English)
800-318-0179 (Español)
Mail
CSA Travel Protection
P.O. Box 939057
San Diego, CA 92193-9057

Email
[email protected]
I need emergency assistance. Who should I contact?
For emergency assistance 24 hours a day during your trip only, policyholder may contact Generali Insurance CSA at Telephone 877-243-4135 (240-330-1529 Collect Worldwide)

Book Your Stay

How Travel Insurance Can Help

Insurance Coverages

Trip Cancellation

Trip Interruption

Travel Delay

Baggage Coverage

Baggage Delay

Medical and Dental

Emergency Assistance and Transportation

Accidental Death & Dismemberment

Rental Car Damage

24-Hour Emergency Assistance

Concierge Services

Roadside Assistance

Telemedicine Service

Identity Theft Resolution

10-DAY FREE LOOK

Travel Insurance Plan Details

Travel Services

Travel Assistance

Travel Information Services

Concierge Services

Identity Theft Resolution

Roadside Assistance

Medical and Dental

Telemedicine Service

Frequently Asked Questions (FAQ’s)

Concierge Services