I was told that my homeowners', medical and auto insurance policies or credit cards would provide adequate protection during my trip. Is that true?

Answer:

Generally, travelers have several insurance plans in effect to cover their daily lives. Between the various auto, medical, homeowners', and credit card benefits, most travelers mistakenly believe they will be completely covered by one of these should something happen on their trip.

Unfortunately, many find out at the worst time that they have to spend more money in deductibles and co-payments before receiving any compensation. Below is a brief rundown on what is covered by various insurance policies on a trip:

Credit Cards: Provides limited car rental, accidental life and medical coverage. Insureds typically have to pay for the trip with their credit card in order to receive benefits. CSA offers comprehensive travel protection plans no matter how the trip is purchased.
Homeowners: Used to cover baggage and other personal items. Insureds typically have to pay the first $500 to $1,000 in deductibles before any disbursements are made. CSA Baggage Coverage has no deductibles.
Medical: When a traveler leaves their medical plan's network area, they may be subject to increased deductibles, co-payments and in some cases, have little to no coverage at all. CSA Medical Coverage is in excess of a traveler's primary medical coverage.
Auto: Many policies do not provide coverage outside of the United States, and you still have to pay a deductible. CSA Rental Car Damage Coverage is primary and worldwide with no deductibles.
CSA combines the best of the above into a single comprehensive travel protection product without deductibles or co-pays. More importantly, CSA plans can save you time and money by saving you from filing claims with your other insurance suppliers.