Insurance Glossary

Vacation Rental Insurance policies can contain technical industry terms that make reading a challenge. To avoid confusion, the carrier as created the following list of definitions for a number of industry terms and phrases.

The following definitions are provided for informational purposes only. Please refer to your Vacation Rental Insurance Policy or Certificate of Insurance for definitions and coverages specific to your Policy/Certificate.

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.
Origin: CSA Travel Insurance

Insured

An Eligible Person who arranges a Covered Trip and pays any required plan payment.
Origin: CSA Travel Insurance

Missed Connection

If you miss your cruise or tour departure due to a flight delay of more than 3 hours but less than 24 hours, your insurer will reimburse you for the unused, prepaid non refundable expenses that you paid for your trip and for the additional transportation costs to join your cruise or tour.
Origin: CSA Travel Protection

Mountain View

When guests can see surrounding mountains from some area of the property, not necessarily from all ares of the property. May include Full, Partial or Peekaboo Views.
See also: View, Beach View, City View, Resort View, Water View Origin: Vacation Rental Association

Non-Cancelable

When a booking for lodging property use is non-cancelable it means the guest must pay for and is not entitled to a refund even if they request a cancellation. This is similar to non-cancelable bookings for airfare and other travel services.
See also: Re-Sellable Origin: Vacation Rental Association

Other covered events

Means the events other than Sickness, Injury and death that are covered under the policy for Trip Cancellation and Trip Interruption.
Origin: CSA Travel Insurance

Other valid and collectible group insurance

Means 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 an 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.
Origin: CSA Travel Insurance

Physician

A person licensed as a medical doctor by the jurisdiction in which he/she is resident to practice the healing arts. He/she must be practicing within the scope of his/her license for the service or treatment given and may not be you, a Traveling Companion, or a Family Member of the guest.
Origin: CSA Travel Insurance

Pre-Existing Condition Exclusion Waiver

May apply to specific coverages. Certain requirements apply. Please refer to the Policy/Certificate of Insurance for details.
Origin: Vacation Rental Association

Pre-exsiting condition

An illness, disease, or other condition during the 180-day period immediately prior to the effective date for which the guest is scheduled or booked to travel (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.
Origin: CSA Travel Insurance

Pre-exsiting condition exclusion

May apply to specific coverages. Please refer to the Policy/Certificate of Insurance for details.
Origin: Vacation Rental Association

Resort View

When guests can see some or all of the resort they are staying in, from some area of the property, not necessarily from all ares of the property.. May include Full, Partial or Peekaboo Views
See also: View, Beach View, City View, Mountain View, Water View Origin: Vacation Rental Association

Scheduled Departure Date

The date on which a guest is originally scheduled to leave on a trip.
Origin: Vacation Rental Association

Scheduled Return Date

The date on which aguest is originally scheduled to return to the point where the Covered Trip started or to a different final destination.
Origin: Vacation Rental Association

Scheduled trip departure city

The city where the scheduled trip on which the guest participates originates.
Origin: Vacation Rental Association

Setting

The type of area in which a property is located. Such as at the Beach, in the Mountains, part of a Resort or in the City.
Origin: Vacation Rental Association

Sickness

An illness or disease of the body which: (1) Requires examination and treatment by a Physician; and (2) Commences while the plan is in effect.
Origin: Vacation Rental Association

Supplier Bankruptcy or Default

Bankruptcy or default of an airline, cruise line or tour operator resulting in a complete cessation of travel services which occurs more than 14 days after your policy's effective date. To qualify for coverage you must purchase the insurance prior to or within 24 hours of making your final trip payment.
Origin: CSA Travel Protection

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 alone or 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.
Origin: Vacation Rental Association

Travel Accident

Provides coverage for loss of limb or life in the event of an accident while traveling, or within 180 days after the accident due to the direct result of that accident.
Origin: CSA Travel Protection

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