Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I had also filed a complaint with a local (Phoenix-area) TV station who assists with consumer complaints - it is a volunteer-based program. They have been working on this case the past several weeks. They contacted me this morning with information that my complaint is being reviewed by an internal board. Apparently, the company was concerned about the publicity this story would create by potentially being broadcast on the news and have agreed to review the details at a higher level internally. Should I respond to this complaint with Revdex.com, as required, within seven business days? I'm not sure what to do at this point. Thank you for any advice.[redacted]
Dear Ms. [redacted]:
5pt;">CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 30, 2015, notifying us of the complaint filed by Mr. [redacted] rented a property from Mr. [redacted] with scheduled travel dates of July 16, 2015 to July 19, 2015. The Property Damage Protection coverage was purchased on May 27, 2015 by Mr. [redacted], who is the Insured under this plan. At that time the Description of Coverage, outlining the plan's coverage and coverage restrictions, was emailed to Mr. [redacted].
On August 10, 2015, we received claim documents from Mr. [redacted] indicating that during Mr. [redacted]'s stay at the property the air conditioning was turned down very low. This caused the coil and drain pipe to freeze resulting in a leak and the collapse of part of the ceiling. The amount claimed for the damage repair is $4,022.24.
We contacted Mr. [redacted] to confirm the facts of loss. Mr. [redacted] stated that the lowest they set the air conditioner was about 68 degrees, and they turned the unit off when they left the property. Mr. [redacted] stated no damage was seen or noted during their stay, and the air conditioner was working fine.
Under the heading "VACATION RENTAL DAMAGE COVERAGE" it states "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the Actual Cash Value of the property, up to the amount shown in the Schedule."
Mr. [redacted] has denied responsibility for all of the damages claimed. This policy only pays for damages caused by the Insured or their guests. Therefore, the claim was denied.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I also spoke with [redacted] who did recant that she verified the state of the carpets in question. [redacted] advised she did not know for certain. This resulted in CSA paying this claim. My ongoing concern would be as an advertising practice I think it needs to be made much more clear that this coverage does not protect a home owner. It is my option on VRBO web site to offer/sell this coverage, If for any reason the homeowner denies the claim then nothing is covered homeowners need to still secure full security deposits.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
this response is NOT ACCEPTABLE! First of all, I sent in the claim to CSA on 10/15/2015 via email and by facsimile. It appears their claims receiving department is as incompetent as the adjusters.
The damage provision policy purchased by the renter is not provided to the homeowners renting the property AND the Property Damage Coverage that is advertised on the website claims coverage for "damages, soiled linens, etc and EXCESSIVE CLEANING but never indicates that claims for damage is solely conditioned on the renter ADMITTING to the damage. No one would ever admit to it and from reading all the forums from homeowners regarding CSA this appears to be a continuing issue of misrepresentation This is an EASY CLAUSE for CSA to get out of paying any claims. CSA is committing fraud as well as baiting the homeowners to offer this useless coverage to renters in believing that any damage claims reported will be covered. See attachments wherein CSA advertises their coverage assuring the homeowner that their claims will be covered. The mere fact that the renter admitted to damaging my washing machine is blatant sign that the other damage did result from her. I requested and submitted all proof for the reimbursement of the machine repair, the cleaning service fee that I incurred together with the supplies that were purchased. Paying only a portion of the claim (washing machine) is unacceptable.
These people completely destroyed my home and no person in their right mind would ever admit to such damage (soiled sanitary napkins, diapers, grease, damaged curtains, stained furniture). CSA is commiting fraud and will be reported.
I am requesting the reimbursement of the cleaning service fee and supplies.
Regards,
[redacted]
[redacted] I Revdex.com OF SAN DIEGO
4747 VIEWRIDGE AVE #200
SAN DIEGO, CA 92123
Complainant: [redacted] #10258004/lnsured: [redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: July 13, 2014- July 20, 2014
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Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali Assicurazioni Generali
S.P.A. (U.S. Branch) as the administrator of the travel protection plan that was purchased. We
are in receipt of your email dated October 09, 2014, notifying us of the complaint filed by Ms.
[redacted].
[redacted] rented a property from Ms. [redacted] with scheduled travel dates of July 13,
2014 to July 20, 2014. The Property Damage Protection coverage was purchased on March 02,
2014 by Ms. [redacted], who is the Insured under this plan. At that time the Description of
Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Ms.
[redacted].
On August 28, 2014, we received claim documents from Ms. [redacted] indicating that Ms.
[redacted]'s dogs had scratched up bathroom and bedroom doors, there were urine stains on the
carpet, and a chair leg had been chewed and scratched. The claimed amount was $840.00. We
contacted Ms. [redacted] to confirm that her dogs had damaged the property. Ms. [redacted]
stated that the only damage caused by her dogs were the scratches to the bathroom door.
Under the heading "VACATION RENTAL DAMAGE COVERAGE" it states "If you occupy an
Accommodation and you damage the real or personal property assigned to that
Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the
Actual Cash Value of the property, up to the amount shown in the Schedule."
Other than the scratches on the bathroom door, Ms. [redacted] has denied responsibility for all of
the other damages claimed. This policy only pays for damages caused by the Insured or their
guests.
Payment for $200.00, the cost to repair the bathroom door damage, was issued to Ms. [redacted]
in settlement of the claim. Ms. [redacted] has denied that the other damages occurred during her
stay at the rental property. Therefore, no additional benefits are payable under this policy.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: General Assicurazioni Generap S.P.A US Branch
[redacted]/ Director of Claims
CSA Travel Protection and Insurance Services represents [redacted] as the...
administrator of the travel protection plan that was purchased. We are in receipt of your email dated 08/29/16, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] purchased his travel insurance plan on 04/07/16. At that time a Policy Confirmation Letter and Description of Coverage were emailed to the address provided of [redacted]. The Confirmation Letter encourages the insured to review the policy documents, and if not satisfied within 10 days, they can request the policy be canceled and the premium will be refunded. The 10-day free look period is also listed in the Description of Coverage along with the plan's coverage and coverage restrictions. If the customer does not request a policy cancellation within the 10-day free look period, it is presumed that the plan has been found acceptable.
CSA Travel Protection does not administrate any plans for [redacted] that includes cancel for any reason coverage. Mr. [redacted] may be referencing in his complaint a plan offered through another company.
Copies of the Policy Confirmation Letter and Description of Coverage are enclosed.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Claims Department
Careful folks, sham company here. Good luck finding any real address, personnel, or Representative.
Do not purchase travel insurance from this company.
They have stated that Military obligations are not covered despite the fact that "military" is a clearly delineated event. In my personal opinion, whoever these handful of ghost employees are they are incorporated in California because Massachusetts, or any other real state, would never allow shady practices such as these. Avoid all business with these people.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
At this time, the CSA company is saying that they provide the different issues they covered. At the time of my purchase they were not specified, it just said trip interruption. They specified details after the purchase was made. ( I reviewed my emails).
At this point, my priority is my dad and I will not buy any insurance travel ftom them ever.
I am not going to be back and forth with them. No time to be aggravated with them.
I appreciate that Revdex.com brought it to their attention.
Regards,
[redacted]
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services (hereinafter "CSA") represents [redacted]
[redacted]
, as the Administrator of the Property Damage Protection plan pursuant to policy number[redacted], which was in effect from September 6, 2013 to November 30, 2013. The policywas purchased by [redacted] to insure the property owned by [redacted] andwhich is located at [redacted].
The property manager, [redacted] of [redacted], has presented a claim toCSA for property damage to the aforementioned residential property and its contents in theamount of $1,732.39, while said residential property was reported to have been rented to andoccupied by [redacted].
As stated above, the CSA policy was effective from September 6, 2013 to November 30, 2013.It has come to our attention that Ms. [redacted] extended her rental of the property at [redacted]
[redacted]
[redacted] from December 1, 2013 to February 1, 2014. However, at no time did Ms.[redacted] contact CSA to advise of the extended rental of the property nor did she request coveragefor the property be extended after November 30, 2013.
Ms. [redacted] initially filed a claim for repairs to the stove within the residential property rented toMs. [redacted] on December 7, 2013. The amount of the claim was for $288.78 and was paid by CSAto [redacted] on January 21, 2014.
Ms. [redacted] filed a subsequent claim with CSA on July 16, 2014 claiming damage to a washingmachine, dishwasher, towel rack, shower curtain, kitchen items, linens and carpeting. Ms. [redacted]indicated that the sole damage caused by her was to the dishwasher and she denied causingany damage to the remaining items being claimed by Ms. [redacted]. A bill for the repair of theappliance, in the amount of $138.00 and for a service date of April9, 2014, was reviewed andpayment was issued by CSA to [redacted] on December 9, 2014.
Ms. [redacted] has stated that the tenants contacted [redacted] to report that theshower drain be unclogged during their stay. Ms. [redacted] has also stated that [redacted]'smaintenance department performed the service to unclog the tub drain as well as repair a loosetowel ring. Ms. [redacted] did not report the date when [redacted] was contacted by the tenant about theclogged tub drain. Further, the invoice for the work reflects that it was performed on February15, 2014, after Ms. [redacted] had vacated the property on February 1, 2014. This date is also wellafter the expiration of the GSA policy on November 30, 2013.
In addition, Ms. [redacted] has provided a GSA Vacation Rental Insurance Security DepositProtection Documentation form, executed on December 7, 2013. Said form, copy attached,reflects that there is "no damage". Again, it should be noted that the date of this document isafter the expiration of the GSA policy on November 30, 2013.
In as much as Ms. [redacted] has denied responsibility for the subsequent damages being claimed by[redacted], there are no additional benefits available or payable under thepolicy.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Speciali t
cc: [redacted]
[redacted] I Director of Claims
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I read the CSA's responses to my complaint. Not only are they packs of lies, but they do NOT address the essence of my complaint at all, i.e.:
1) why the CSA's Emergency Hot Line operator had repeatedly made A FRAUDULENT STATEMENT THAT "CSA IS NOT A TRAVEL PROTECTION / TRAVEL INSURANCE COMPANY" (AND I REPEAT: CSA !);
2) why CSA REPEATEDLY REFUSED TO ASSIST ME IN ANY WAY WITH MY RETURN HOME AND EVEN A MEDICAL REFERRAL WHEN I REPEATEDLY REQUESTED IT AND EVEN QUOTED THE LINES FROM THE CONTRACT THAT SPECIFICALLY STIPULATE THIS OBLIGATION OF CSA.
THEIR REFUSAL TO DO ANYTHING FOR ME WAS BASED SOLELY ON THEIR FRAUDULENT (AND REPEATED) STATEMENT DESCRIBED ABOVE IN POINT 1).
NATURALLY, I AM NOT SATISFIED WITH THEIR RESPONSES THAT PROVE ONE THING ONLY: CSA IS VERY EXPERIENCED IN DODGING THEIR OBLIGATIONS AND DOES NOT HESITATE TO LIE AND CHEAT TO ACHIEVE THEIR GOAL.
THERE ARE MANY CSA'S VICTIMS OUT THERE, BESIDES ME, WHICH, I AM SURE, YOU KNOW VERY WELL. EVEN IF YOU DON'T, JUST CHECK THEIR CUSTOMERS' FEEDBACK ON THE INTERNET.
PLEASE REOPEN MY CASE AND HELP ME TO GET THE MAXIMUM AMOUNT OF MY TRIP INTERRUPTION / BREACH OF CONTRACT BENEFITS.
Thank you for your attention to this matter. Hope to hear from you soon.
Regards,
[redacted].
Regards,
[redacted]
December 16, 2014
[redacted]/ Revdex.com OF SAN DIEGO4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123
[redacted] #[redacted]/ Insured: [redacted]Claim Number: [redacted]Policy Number: [redacted]Travel Dates: October 08, 2014- October 12, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was selected. We are in receipt of your emaildated December 15, 2014, with the additional information submitted by Ms. [redacted].
The claim documents were received from Ms. [redacted] on October 30, 2014. Her email didindicate that the documents had originally been submitted on October 15, 2014, but we find norecord of receiving the claim documents at that time. We apologize for any misunderstanding ordelay in processing caused by this issue.
The Property Damage Protection certificate is provided to the insured when the coverage ispurchased. Coverage is provided to the insured for accidental damage to the property duringthe trip. If the insured denies causing the damage claimed, benefits cannot be paid. We havefound that the vast majority of the insureds are honest and do admit when they have causeddamage to the property assigned to the rental unit.
Based on the terms and conditions of the policy, and the damages that Ms. [redacted] confirmedwere caused by her, we have issued a benefit check for the payable amount of this claim. Ms.[redacted] has indicated that the Property Damage Coverage advertised on the website claimscoverage for EXCESSIVE CLEANING. However, we are not aware of this specific language onthe website, and the plan does not pay for excessive cleaning.
If you have any questions, please feel free to contact us at (800) 541-3522, by email atclaims@csatravelprot ction.com or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated April 11, 2015, notifying us of the complaint filed by Ms. [redacted].
We have...
reevaluated the claim and will afford coverage. The check for $264.70 should bemailed at the beginning of this week.If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was selected. We are in receipt of your emaildated June 16, 2015, with additional information from Ms. [redacted].
Ms. [redacted] points out that anxiety has physical features and symptoms, which we do notdispute. However, the symptoms she and Dr. [redacted] have noted resulted from the assessedillness of anxiety disorder.
This condition is specifically excluded from coverage under this plan, "1. We will not pay for anyloss under this Policy, caused by, or resulting from ... b. mental, nervous, or psychologicaldisorders of you or your Traveling Companion".
As such, we are unable to provide benefits to Ms. [redacted] for her loss.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
cc: [redacted] I Director of Claims
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Based on the specific requirements that only a stolen passport or visa will be accepted, something not required for my trip, there was no way I was ever covered for the insurance purchased. That was not something that was communicated to me by the travel agency, and I was instead told that the trip was covered. I was not ever told that my trip would only be covered if I made sure to order a passport for my 10 year old son. Instead I was specifically told that a birth certificate had the same effect as a passport at his age.
I am not satisfied with the offer (as there is no offer) and would like to go to mediation or arbitration. Please advise what steps are necessary to proceed. In addition I have attached several documents sent to CSA with my claim.
In addition, I have filed a complaint and am proceeding with action against CSA with the California Department of Insurance.
Regards,
[redacted]
[redacted] I Revdex.com OF SAN DIEGO
5050 MURPHY CANYON ROAD #110
SAN DIEGO, CA 92123
[redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: September 20, 2014- September 27, 2014
Dear Ms. [redacted]:
/>
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 11, 2014, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] booked a rental through New River Retreat and purchased the travel protection plan on August 07, 2014. At that time, a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions were emailed to her.
Ms. [redacted] contacted our office on September 08, 2014, stating that she must cancel the trip due to the suicide attempt and subsequent hospitalization of her son. The following policy exclusion was reviewed with Ms. [redacted] during that telephone call, "We will not pay for any loss under this Policy, caused by, or resulting from ... a. your or your Traveling Companion's suicide, attempted suicide, or intentionally self-inflicted injury".
We have not received Ms. [redacted]'s claim form and supporting documents. It is not clear if the exclusion referenced above will apply to this claim. Once the claim documents are received, we will begin the review process.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: General US Branch
[redacted] I Revdex.com OF SAN DIEGO November 25, 2014 4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123
[redacted]Claim Number: [redacted]Policy Number: [redacted]Travel Dates: November 14, 2014- November 22, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was selected. We are in receipt of your emailnotifying us that Ms. [redacted] was not satisfied with our explanation of our determination of herclaim.
As we had previously explained, Ms. [redacted] cancelled her trip due to the death of a familymember and the expenses that she had due to that death. Ms. [redacted]'s sister died onSeptember 5, 2014 which was prior to the purchase of the policy on October 1, 2014. As thedeath occurred prior to coverage and financial circumstances is not one of the perils coveredunder the plan, we must adhere to our denial of benefits.
When Ms. [redacted] purchased her policy she was mailed a confirmation of the purchase alongwith the Description of Coverage outlining the policy coverages and exclusions. The purchaseof the plan offers a 1 0-day free look to examine the policy and if it did not meet her needs shecould have contacted us and requested a refund of the plan cost. This option was available toher until October 16, 2014.
If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670. Please ensure the claim numberis included with your response.
Sincerely,
[redacted]Claims Department Supervisor(800) 541-3522 Ext. [redacted]
cc: [redacted]Director of Claims
Dear Ms. [redacted]:
5pt;">CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated 3/03/16, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] booked a rental and purchased the travel insurance plan on 2/04/16. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her. The letter and plan description reviewed the 10-day free-look period to cancel the policy, and receive a refund of the insurance plan cost. This is not a cancel for any reason policy in regard to paid trip costs.
On 2/09/16, Ms. [redacted] contacted the property homeowner and asked if she could extend her rental stay until 6/19/16, due to their already scheduled airline flights. The homeowner stated that the property was already booked for that date, and Ms. [redacted] canceled the booking on 2/10/16. She claimed the $300.00 non-refundable deposit that had been paid for the property.
The policy purchased only provides Trip Cancellation benefits for the specific Covered Events listed in the plan. Ms. [redacted]'s need to change the dates of the rental is not one of the covered reasons that would allow benefits under the plan. Therefore, we must reaffirm our decision and redeny benefits for this claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated July 27, 2015, with the additional information submitted by Ms. [redacted] in reconsiderationof her claim.
The Underwriter has evaluated this matter with the additional information provided and hasapproved payment. The check for $518.00 should be mailed at the end of the week.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]
cc: [redacted]
CSA Travel Protection is the administrator of the travel protection plan that Ms. [redacted] purchased on
October 21,2013. We are in receipt of your letter on this case dated June 17, 2014. As Mr. [redacted]
noted, the claim issue has been resolved and CSA are responding to the new compliant regarding the product
information provided to HomeAway owners.
CSA Travel Protection provides travel insurance and emergency assistance plans for consumer purchases.
Ms. [redacted] had purchased one of our travel protection plans through a HomeAway listing site, in conjunction with
the purchase of rental accommodations from Mr. [redacted]. The Property Damage Protection product Ms. [redacted]
purchased from HomeAway is issued to travelers while they are away from their home. The coverage is
intended to reimburse for any accidental damage the insured causes to an owner's property/accommodations during
the renter's vacation.
We understand and appreciate Mr. [redacted]'s feedback that there was confusion as to who the insured party was on
this purchase, and confusion about the intention of the product. CSA is committed to providing optimal service to
our customers and partners, and will take this opportunity to work with HomeAway to enhance and clarify our owner
information and training materials.
We apologize for any confusion or misunderstanding that our product information has caused Mr. [redacted], and are
pleased that the issue with the damage claim investigation has been resolved. If there is anything additional we can
do to investigate this matter, please do not hesitate to contact me directly at ###-###-#### or [redacted]@csatp.com.
Sincerely,
[redacted]
Compliance Manager
[redacted]/ Revdex.com OF SAN DIEGO September 17, 2014
[redacted] ROAD #110
SAN DIEGO, CA 92123
[redacted] #1 0223028
Claim Number: [redacted]
Policy Number:...
[redacted]
Travel Dates: October 11, 2014- October 14, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 17, 2014, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a trip through Cabin Rentals of [redacted] with scheduled travel dates of October 11, 2014 to October 14, 2014. The travel protection plan was purchased on April 25, 2014. At
that time a Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Mr. [redacted].
Mr. [redacted] canceled the trip because he felt he could be deployed. The policy provides benefits only if a trip is canceled due to one of the specific reasons listed in the policy.
Under the heading TRIP CANCELLATION BENEFIT it states:
"Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if
you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.
10. Your previously granted military leave being revoked. The leave must be approved prior to your coverage becoming effective, and official written revocation notice from your commanding officer will be required".
Mr. [redacted] has confirmed that his leave had not been approved prior to coverage becoming effective. Therefore, he did not meet the requirements that would allow payment of benefits under this peril. Regretfully, we are unable to provide benefits for his claim.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: General US Branch
[redacted]/ Director of Claims
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I had also filed a complaint with a local (Phoenix-area) TV station who assists with consumer complaints - it is a volunteer-based program. They have been working on this case the past several weeks. They contacted me this morning with information that my complaint is being reviewed by an internal board. Apparently, the company was concerned about the publicity this story would create by potentially being broadcast on the news and have agreed to review the details at a higher level internally. Should I respond to this complaint with Revdex.com, as required, within seven business days? I'm not sure what to do at this point. Thank you for any advice.[redacted]
Dear Ms. [redacted]:
5pt;">CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 30, 2015, notifying us of the complaint filed by Mr. [redacted] rented a property from Mr. [redacted] with scheduled travel dates of July 16, 2015 to July 19, 2015. The Property Damage Protection coverage was purchased on May 27, 2015 by Mr. [redacted], who is the Insured under this plan. At that time the Description of Coverage, outlining the plan's coverage and coverage restrictions, was emailed to Mr. [redacted].
On August 10, 2015, we received claim documents from Mr. [redacted] indicating that during Mr. [redacted]'s stay at the property the air conditioning was turned down very low. This caused the coil and drain pipe to freeze resulting in a leak and the collapse of part of the ceiling. The amount claimed for the damage repair is $4,022.24.
We contacted Mr. [redacted] to confirm the facts of loss. Mr. [redacted] stated that the lowest they set the air conditioner was about 68 degrees, and they turned the unit off when they left the property. Mr. [redacted] stated no damage was seen or noted during their stay, and the air conditioner was working fine.
Under the heading "VACATION RENTAL DAMAGE COVERAGE" it states "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the Actual Cash Value of the property, up to the amount shown in the Schedule."
Mr. [redacted] has denied responsibility for all of the damages claimed. This policy only pays for damages caused by the Insured or their guests. Therefore, the claim was denied.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I also spoke with [redacted] who did recant that she verified the state of the carpets in question. [redacted] advised she did not know for certain. This resulted in CSA paying this claim. My ongoing concern would be as an advertising practice I think it needs to be made much more clear that this coverage does not protect a home owner. It is my option on VRBO web site to offer/sell this coverage, If for any reason the homeowner denies the claim then nothing is covered homeowners need to still secure full security deposits.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
this response is NOT ACCEPTABLE! First of all, I sent in the claim to CSA on 10/15/2015 via email and by facsimile. It appears their claims receiving department is as incompetent as the adjusters.
The damage provision policy purchased by the renter is not provided to the homeowners renting the property AND the Property Damage Coverage that is advertised on the website claims coverage for "damages, soiled linens, etc and EXCESSIVE CLEANING but never indicates that claims for damage is solely conditioned on the renter ADMITTING to the damage. No one would ever admit to it and from reading all the forums from homeowners regarding CSA this appears to be a continuing issue of misrepresentation This is an EASY CLAUSE for CSA to get out of paying any claims. CSA is committing fraud as well as baiting the homeowners to offer this useless coverage to renters in believing that any damage claims reported will be covered. See attachments wherein CSA advertises their coverage assuring the homeowner that their claims will be covered. The mere fact that the renter admitted to damaging my washing machine is blatant sign that the other damage did result from her. I requested and submitted all proof for the reimbursement of the machine repair, the cleaning service fee that I incurred together with the supplies that were purchased. Paying only a portion of the claim (washing machine) is unacceptable.
These people completely destroyed my home and no person in their right mind would ever admit to such damage (soiled sanitary napkins, diapers, grease, damaged curtains, stained furniture). CSA is commiting fraud and will be reported.
I am requesting the reimbursement of the cleaning service fee and supplies.
Regards,
[redacted]
[redacted] I Revdex.com OF SAN DIEGO
4747 VIEWRIDGE AVE #200
SAN DIEGO, CA 92123
Complainant: [redacted] #10258004/lnsured: [redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: July 13, 2014- July 20, 2014
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Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali Assicurazioni Generali
S.P.A. (U.S. Branch) as the administrator of the travel protection plan that was purchased. We
are in receipt of your email dated October 09, 2014, notifying us of the complaint filed by Ms.
[redacted].
[redacted] rented a property from Ms. [redacted] with scheduled travel dates of July 13,
2014 to July 20, 2014. The Property Damage Protection coverage was purchased on March 02,
2014 by Ms. [redacted], who is the Insured under this plan. At that time the Description of
Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Ms.
[redacted].
On August 28, 2014, we received claim documents from Ms. [redacted] indicating that Ms.
[redacted]'s dogs had scratched up bathroom and bedroom doors, there were urine stains on the
carpet, and a chair leg had been chewed and scratched. The claimed amount was $840.00. We
contacted Ms. [redacted] to confirm that her dogs had damaged the property. Ms. [redacted]
stated that the only damage caused by her dogs were the scratches to the bathroom door.
Under the heading "VACATION RENTAL DAMAGE COVERAGE" it states "If you occupy an
Accommodation and you damage the real or personal property assigned to that
Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the
Actual Cash Value of the property, up to the amount shown in the Schedule."
Other than the scratches on the bathroom door, Ms. [redacted] has denied responsibility for all of
the other damages claimed. This policy only pays for damages caused by the Insured or their
guests.
Payment for $200.00, the cost to repair the bathroom door damage, was issued to Ms. [redacted]
in settlement of the claim. Ms. [redacted] has denied that the other damages occurred during her
stay at the rental property. Therefore, no additional benefits are payable under this policy.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at
[email protected] or by FAX at (877) 300-8670
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: General Assicurazioni Generap S.P.A US Branch
[redacted]/ Director of Claims
CSA Travel Protection and Insurance Services represents [redacted] as the...
administrator of the travel protection plan that was purchased. We are in receipt of your email dated 08/29/16, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] purchased his travel insurance plan on 04/07/16. At that time a Policy Confirmation Letter and Description of Coverage were emailed to the address provided of [redacted]. The Confirmation Letter encourages the insured to review the policy documents, and if not satisfied within 10 days, they can request the policy be canceled and the premium will be refunded. The 10-day free look period is also listed in the Description of Coverage along with the plan's coverage and coverage restrictions. If the customer does not request a policy cancellation within the 10-day free look period, it is presumed that the plan has been found acceptable.
CSA Travel Protection does not administrate any plans for [redacted] that includes cancel for any reason coverage. Mr. [redacted] may be referencing in his complaint a plan offered through another company.
Copies of the Policy Confirmation Letter and Description of Coverage are enclosed.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Claims Department
Careful folks, sham company here. Good luck finding any real address, personnel, or Representative.
Do not purchase travel insurance from this company.
They have stated that Military obligations are not covered despite the fact that "military" is a clearly delineated event. In my personal opinion, whoever these handful of ghost employees are they are incorporated in California because Massachusetts, or any other real state, would never allow shady practices such as these. Avoid all business with these people.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
At this time, the CSA company is saying that they provide the different issues they covered. At the time of my purchase they were not specified, it just said trip interruption. They specified details after the purchase was made. ( I reviewed my emails).
At this point, my priority is my dad and I will not buy any insurance travel ftom them ever.
I am not going to be back and forth with them. No time to be aggravated with them.
I appreciate that Revdex.com brought it to their attention.
Regards,
[redacted]
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services (hereinafter "CSA") represents [redacted]
[redacted]
, as the Administrator of the Property Damage Protection plan pursuant to policy number[redacted], which was in effect from September 6, 2013 to November 30, 2013. The policywas purchased by [redacted] to insure the property owned by [redacted] andwhich is located at [redacted].
The property manager, [redacted] of [redacted], has presented a claim toCSA for property damage to the aforementioned residential property and its contents in theamount of $1,732.39, while said residential property was reported to have been rented to andoccupied by [redacted].
As stated above, the CSA policy was effective from September 6, 2013 to November 30, 2013.It has come to our attention that Ms. [redacted] extended her rental of the property at [redacted]
[redacted]
[redacted] from December 1, 2013 to February 1, 2014. However, at no time did Ms.[redacted] contact CSA to advise of the extended rental of the property nor did she request coveragefor the property be extended after November 30, 2013.
Ms. [redacted] initially filed a claim for repairs to the stove within the residential property rented toMs. [redacted] on December 7, 2013. The amount of the claim was for $288.78 and was paid by CSAto [redacted] on January 21, 2014.
Ms. [redacted] filed a subsequent claim with CSA on July 16, 2014 claiming damage to a washingmachine, dishwasher, towel rack, shower curtain, kitchen items, linens and carpeting. Ms. [redacted]indicated that the sole damage caused by her was to the dishwasher and she denied causingany damage to the remaining items being claimed by Ms. [redacted]. A bill for the repair of theappliance, in the amount of $138.00 and for a service date of April9, 2014, was reviewed andpayment was issued by CSA to [redacted] on December 9, 2014.
Ms. [redacted] has stated that the tenants contacted [redacted] to report that theshower drain be unclogged during their stay. Ms. [redacted] has also stated that [redacted]'smaintenance department performed the service to unclog the tub drain as well as repair a loosetowel ring. Ms. [redacted] did not report the date when [redacted] was contacted by the tenant about theclogged tub drain. Further, the invoice for the work reflects that it was performed on February15, 2014, after Ms. [redacted] had vacated the property on February 1, 2014. This date is also wellafter the expiration of the GSA policy on November 30, 2013.
In addition, Ms. [redacted] has provided a GSA Vacation Rental Insurance Security DepositProtection Documentation form, executed on December 7, 2013. Said form, copy attached,reflects that there is "no damage". Again, it should be noted that the date of this document isafter the expiration of the GSA policy on November 30, 2013.
In as much as Ms. [redacted] has denied responsibility for the subsequent damages being claimed by[redacted], there are no additional benefits available or payable under thepolicy.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Speciali t
cc: [redacted]
[redacted] I Director of Claims
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
I read the CSA's responses to my complaint. Not only are they packs of lies, but they do NOT address the essence of my complaint at all, i.e.:
1) why the CSA's Emergency Hot Line operator had repeatedly made A FRAUDULENT STATEMENT THAT "CSA IS NOT A TRAVEL PROTECTION / TRAVEL INSURANCE COMPANY" (AND I REPEAT: CSA !);
2) why CSA REPEATEDLY REFUSED TO ASSIST ME IN ANY WAY WITH MY RETURN HOME AND EVEN A MEDICAL REFERRAL WHEN I REPEATEDLY REQUESTED IT AND EVEN QUOTED THE LINES FROM THE CONTRACT THAT SPECIFICALLY STIPULATE THIS OBLIGATION OF CSA.
THEIR REFUSAL TO DO ANYTHING FOR ME WAS BASED SOLELY ON THEIR FRAUDULENT (AND REPEATED) STATEMENT DESCRIBED ABOVE IN POINT 1).
NATURALLY, I AM NOT SATISFIED WITH THEIR RESPONSES THAT PROVE ONE THING ONLY: CSA IS VERY EXPERIENCED IN DODGING THEIR OBLIGATIONS AND DOES NOT HESITATE TO LIE AND CHEAT TO ACHIEVE THEIR GOAL.
THERE ARE MANY CSA'S VICTIMS OUT THERE, BESIDES ME, WHICH, I AM SURE, YOU KNOW VERY WELL. EVEN IF YOU DON'T, JUST CHECK THEIR CUSTOMERS' FEEDBACK ON THE INTERNET.
PLEASE REOPEN MY CASE AND HELP ME TO GET THE MAXIMUM AMOUNT OF MY TRIP INTERRUPTION / BREACH OF CONTRACT BENEFITS.
Thank you for your attention to this matter. Hope to hear from you soon.
Regards,
[redacted].
Regards,
[redacted]
December 16, 2014
[redacted]/ Revdex.com OF SAN DIEGO4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123
[redacted] #[redacted]/ Insured: [redacted]Claim Number: [redacted]Policy Number: [redacted]Travel Dates: October 08, 2014- October 12, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was selected. We are in receipt of your emaildated December 15, 2014, with the additional information submitted by Ms. [redacted].
The claim documents were received from Ms. [redacted] on October 30, 2014. Her email didindicate that the documents had originally been submitted on October 15, 2014, but we find norecord of receiving the claim documents at that time. We apologize for any misunderstanding ordelay in processing caused by this issue.
The Property Damage Protection certificate is provided to the insured when the coverage ispurchased. Coverage is provided to the insured for accidental damage to the property duringthe trip. If the insured denies causing the damage claimed, benefits cannot be paid. We havefound that the vast majority of the insureds are honest and do admit when they have causeddamage to the property assigned to the rental unit.
Based on the terms and conditions of the policy, and the damages that Ms. [redacted] confirmedwere caused by her, we have issued a benefit check for the payable amount of this claim. Ms.[redacted] has indicated that the Property Damage Coverage advertised on the website claimscoverage for EXCESSIVE CLEANING. However, we are not aware of this specific language onthe website, and the plan does not pay for excessive cleaning.
If you have any questions, please feel free to contact us at (800) 541-3522, by email atclaims@csatravelprot ction.com or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated April 11, 2015, notifying us of the complaint filed by Ms. [redacted].
We have...
reevaluated the claim and will afford coverage. The check for $264.70 should bemailed at the beginning of this week.If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was selected. We are in receipt of your emaildated June 16, 2015, with additional information from Ms. [redacted].
Ms. [redacted] points out that anxiety has physical features and symptoms, which we do notdispute. However, the symptoms she and Dr. [redacted] have noted resulted from the assessedillness of anxiety disorder.
This condition is specifically excluded from coverage under this plan, "1. We will not pay for anyloss under this Policy, caused by, or resulting from ... b. mental, nervous, or psychologicaldisorders of you or your Traveling Companion".
As such, we are unable to provide benefits to Ms. [redacted] for her loss.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
cc: [redacted] I Director of Claims
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Based on the specific requirements that only a stolen passport or visa will be accepted, something not required for my trip, there was no way I was ever covered for the insurance purchased. That was not something that was communicated to me by the travel agency, and I was instead told that the trip was covered. I was not ever told that my trip would only be covered if I made sure to order a passport for my 10 year old son. Instead I was specifically told that a birth certificate had the same effect as a passport at his age.
I am not satisfied with the offer (as there is no offer) and would like to go to mediation or arbitration. Please advise what steps are necessary to proceed. In addition I have attached several documents sent to CSA with my claim.
In addition, I have filed a complaint and am proceeding with action against CSA with the California Department of Insurance.
Regards,
[redacted]
[redacted] I Revdex.com OF SAN DIEGO
5050 MURPHY CANYON ROAD #110
SAN DIEGO, CA 92123
[redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: September 20, 2014- September 27, 2014
Dear Ms. [redacted]:
/>
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 11, 2014, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] booked a rental through New River Retreat and purchased the travel protection plan on August 07, 2014. At that time, a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions were emailed to her.
Ms. [redacted] contacted our office on September 08, 2014, stating that she must cancel the trip due to the suicide attempt and subsequent hospitalization of her son. The following policy exclusion was reviewed with Ms. [redacted] during that telephone call, "We will not pay for any loss under this Policy, caused by, or resulting from ... a. your or your Traveling Companion's suicide, attempted suicide, or intentionally self-inflicted injury".
We have not received Ms. [redacted]'s claim form and supporting documents. It is not clear if the exclusion referenced above will apply to this claim. Once the claim documents are received, we will begin the review process.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: General US Branch
[redacted] I Revdex.com OF SAN DIEGO November 25, 2014 4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123
[redacted]Claim Number: [redacted]Policy Number: [redacted]Travel Dates: November 14, 2014- November 22, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was selected. We are in receipt of your emailnotifying us that Ms. [redacted] was not satisfied with our explanation of our determination of herclaim.
As we had previously explained, Ms. [redacted] cancelled her trip due to the death of a familymember and the expenses that she had due to that death. Ms. [redacted]'s sister died onSeptember 5, 2014 which was prior to the purchase of the policy on October 1, 2014. As thedeath occurred prior to coverage and financial circumstances is not one of the perils coveredunder the plan, we must adhere to our denial of benefits.
When Ms. [redacted] purchased her policy she was mailed a confirmation of the purchase alongwith the Description of Coverage outlining the policy coverages and exclusions. The purchaseof the plan offers a 1 0-day free look to examine the policy and if it did not meet her needs shecould have contacted us and requested a refund of the plan cost. This option was available toher until October 16, 2014.
If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670. Please ensure the claim numberis included with your response.
Sincerely,
[redacted]Claims Department Supervisor(800) 541-3522 Ext. [redacted]
cc: [redacted]Director of Claims
Dear Ms. [redacted]:
5pt;">CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated 3/03/16, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] booked a rental and purchased the travel insurance plan on 2/04/16. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her. The letter and plan description reviewed the 10-day free-look period to cancel the policy, and receive a refund of the insurance plan cost. This is not a cancel for any reason policy in regard to paid trip costs.
On 2/09/16, Ms. [redacted] contacted the property homeowner and asked if she could extend her rental stay until 6/19/16, due to their already scheduled airline flights. The homeowner stated that the property was already booked for that date, and Ms. [redacted] canceled the booking on 2/10/16. She claimed the $300.00 non-refundable deposit that had been paid for the property.
The policy purchased only provides Trip Cancellation benefits for the specific Covered Events listed in the plan. Ms. [redacted]'s need to change the dates of the rental is not one of the covered reasons that would allow benefits under the plan. Therefore, we must reaffirm our decision and redeny benefits for this claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated July 27, 2015, with the additional information submitted by Ms. [redacted] in reconsiderationof her claim.
The Underwriter has evaluated this matter with the additional information provided and hasapproved payment. The check for $518.00 should be mailed at the end of the week.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]
cc: [redacted]
CSA Travel Protection is the administrator of the travel protection plan that Ms. [redacted] purchased on
October 21,2013. We are in receipt of your letter on this case dated June 17, 2014. As Mr. [redacted]
noted, the claim issue has been resolved and CSA are responding to the new compliant regarding the product
information provided to HomeAway owners.
CSA Travel Protection provides travel insurance and emergency assistance plans for consumer purchases.
Ms. [redacted] had purchased one of our travel protection plans through a HomeAway listing site, in conjunction with
the purchase of rental accommodations from Mr. [redacted]. The Property Damage Protection product Ms. [redacted]
purchased from HomeAway is issued to travelers while they are away from their home. The coverage is
intended to reimburse for any accidental damage the insured causes to an owner's property/accommodations during
the renter's vacation.
We understand and appreciate Mr. [redacted]'s feedback that there was confusion as to who the insured party was on
this purchase, and confusion about the intention of the product. CSA is committed to providing optimal service to
our customers and partners, and will take this opportunity to work with HomeAway to enhance and clarify our owner
information and training materials.
We apologize for any confusion or misunderstanding that our product information has caused Mr. [redacted], and are
pleased that the issue with the damage claim investigation has been resolved. If there is anything additional we can
do to investigate this matter, please do not hesitate to contact me directly at ###-###-#### or [redacted]@csatp.com.
Sincerely,
[redacted]
Compliance Manager
[redacted]/ Revdex.com OF SAN DIEGO September 17, 2014
[redacted] ROAD #110
SAN DIEGO, CA 92123
[redacted] #1 0223028
Claim Number: [redacted]
Policy Number:...
[redacted]
Travel Dates: October 11, 2014- October 14, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 17, 2014, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a trip through Cabin Rentals of [redacted] with scheduled travel dates of October 11, 2014 to October 14, 2014. The travel protection plan was purchased on April 25, 2014. At
that time a Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Mr. [redacted].
Mr. [redacted] canceled the trip because he felt he could be deployed. The policy provides benefits only if a trip is canceled due to one of the specific reasons listed in the policy.
Under the heading TRIP CANCELLATION BENEFIT it states:
"Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if
you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy.
10. Your previously granted military leave being revoked. The leave must be approved prior to your coverage becoming effective, and official written revocation notice from your commanding officer will be required".
Mr. [redacted] has confirmed that his leave had not been approved prior to coverage becoming effective. Therefore, he did not meet the requirements that would allow payment of benefits under this peril. Regretfully, we are unable to provide benefits for his claim.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: General US Branch
[redacted]/ Director of Claims