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.

Chargeback Fraud

When a customer disputes a credit card charge in a dishonest and deceitful manner. Chargeck fraud is essentially online shoplifting and can be reported to the credit card company and local police as fraud.
See also: Friendly Fraud Origin: Wm. May

City View

When guests can see sections of a town or city 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, Mountain View, Resort View, Water View Origin: Vacation Rental Association

Collision Damage Waiver

Provides primary coverage if the car you rented while on your trip is damaged due to a collision, fire, flood, theft, vandalism, windstorm, or hail.
Origin: CSA Travel Protection

Common Calendar

An online calendar which shows a list of available lodging units (room, suites or homes) in a specified Complex or destination; along with available dates. Usually a left hand menu list the units and a top menu shows days or weeks. Booked units are displayed so that a guest can determine which units are available and then make a selection. Available in virtually all lodging software and many lodging websites. Also called a Tape or Grid.
See also: Availability Calendar Origin: Vacation Rental Association

Common Carrier

Any land, water or air conveyance operated under a license for the transportation of passengers for hire, not including taxicabs or rented, leased or privately owned motor vehicles.
Origin: Vacation Rental Association

Covered Trip

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 180 days.
Origin: CSA Travel Insurance

Domestic Partner

A person who is at least eighteen years of age and 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 6 months; and (3) An affidavit of domestic partnership if recognized by the jurisdiction within which they reside.
Origin: Vacation Rental Association

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.
Origin: Vacation Rental Association

Emergency Assistance

If you become sick or injured on your trip and are in need of Emergency Assistance, the assistance provider will: 1. arrange for and transport you to the nearest suitable medical facility; 2. provide you with assistance to return home; 3. provide round-trip economy airfare to send someone of your choice to be with you if you are traveling alone and are in the hospital for more than 7 days; 4. return your minor children home with an escort if they are left unattended due to your death or your hospitalization for at least 7 days; 5. arrange for and transport your remains to your home or place of burial in event of your death.
Origin: CSA Travel Protection

Family Member

Includes Traveling Companion's dependent, spouse, child, spouse's child, son/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, aunt, uncle, niece, nephew, guardian, Domestic Partner, foster child, or ward.
Origin: Vacation Rental Association

Financial Insolvency

Means the total cessation or complete suspension of operations due to insolvency, with or without the filing of a bankruptcy petition, whether voluntary or involuntary, by a tour operator, cruise line, airline, or other supplier of travel services which is duly licensed in the state(s) of operation other than the person, organization, agency or firm from whom you directly purchased or paid for your Covered Trip.
Origin: Vacation Rental Association

Friendly Fraud

A customer proclaims they did not know they were buying something from the merchant when they gave their credit card. Or when the customer says a family member used their card without permission.
See also: Chargeback Fraud Origin: WM. May

Home

A person's primary or secondary residence.
Origin: Vacation Rental Association

Hospital

An institution, which 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 prearranged basis. A Hospital is not: a rest, convalescent, extended care, rehabilitation or other nursing facility; a facility, which 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).
Origin: Vacation Rental Association

Identity Theft Resolution Services

A service that provides assistance when your identity has been compromised while traveling on your vacation. This safeguard is automatically included for a full 180 days starting on your scheduled departure date. Identity Theft Resolution does not provide assistance for thefts involving non-U.S. bank accounts.
Origin: CSA Travel Protection

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

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