[redacted] I Revdex.com OF SAN DIEGO September 22, 2014
5050 MURPHY CANYON ROAD #110
SAN DIEGO, CA 92123
[redacted] #1 0211686
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: September 05, 2014- September 07, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 15, 2014, with the additional information provided by Mr. [redacted].
Mr. [redacted] felt we inferred that Stonebridge/CSA was indirectly responsible for his securing a refund for his airline ticket. Our letter had only stated that AirTran Airways had informed us that the ticket was refunded. Mr. [redacted] would like for Stonebridge to clearly proclaim on the statement of allowed coverage that there is no coverage for service members' official travel if it is canceled by the government.
The Policy Confirmation Letter provides the Schedule of Insurance Coverage's along with the telephone number to contact our Customer Service Department with questions about the plan. The Description of Coverage, which is attached to the Policy Confirmation Letter, details the plan's covered events and restrictions. A 1 0-day free look period is offered that allows a refund of the insurance cost if the plan does not meet the needs of the purchaser.
It is not possible to highlight each situation that may or may not be covered by the plan on the Policy Confirmation Letter. However, we do appreciate the complainant's feedback and we have relayed it to the insurance company for consideration.
If you have any questions, please feel free to contact us at (800) 876-6903, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr Technical Claims Specialist
cc: [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.
Regards,
[redacted]
when I purchased the travel insurance I had know knowledge that my mother was not on the mend. She had been in the Masonic Home of New Jersey for 4 years and was in the nursing care section of the home.She was hospitalized for bronchitis and as a precaution the doctor did not want her to get pneumonia.when she came back to the home,she was on the mend.I purchased the insurance just in case she did not get better. I spoke to her on November 3,2013 and she was eating and drinking fluids, but was weak. I did not cancel my vacation until November 5th,2013,because my husband and I were taking a wait and see attitude to see if she was going to get better. We would have gone on our cruise,however, On the 4th of November she was going downhill and I got an emergency flight to New Jersey from Florida and she went fast and passed on November 9th 2013. What is the purpose of getting travel insurance if you are not assured of peace of mind????? Mr. and Mrs.[redacted].
Dear Ms. [redacted]:
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 February 16, 2016, requesting clarification.
When Vitaly [redacted], the named Insured, purchased his policy, he was emailed a Policy Confirmation Letter and Description of Coverage. This is our standard procedure. Mr. [redacted] received an email from us letting him know that Mr. [redacted] had purchased a policy. This email provided a telephone number for Mr. [redacted] to call our Customer Service Department with any questions he might have. As Mr. [redacted] is not the Insured and/or policyholder, a copy of the policy was not provided to him.
This policy only pays for damages caused by the Insured or their guests. We contacted the named Insured, Mr. [redacted], and he stated that neither he nor his guests caused any of the damages. Therefore, we were unable to provide benefits for the 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]
Technical Claims Specialist
CC: [redacted]
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 10/20/16, with additional information provided by Ms. [redacted] for consideration.
Ms. [redacted] has provided a letter written by Dr. [redacted], which indicates that he first saw the patient for evaluation of a lesion on 06/03/16. A biopsy was performed at that time, resulting in a diagnosis of dysplasia. A second biopsy, performed on 6/22/16, showed a diagnosis of squamous cell carcinoma. This new diagnosis required surgery, and Ms. [redacted] canceled the trip on 06/30/16, to assist her father.
Based on the new diagnosis after the 06/05/16 policy effective date, and the additional clarification of the illness from the patient's doctor, we have determined coverage can be afforded for this claim. The file will be reopened to issue payment for the non-refundable Trip cost paid of $678.88. The insurance cost is non-refundable.
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
cc: [redacted] / Director of Claims
[redacted]
Re: Customer: [redacted] Revdex.com Complaint ID [redacted] CSA Policy #[redacted]
Dear Mr. [redacted],
CSA Travel Protection and Insurance Services is an administrator of travel...
protection and emergency assistance planssold on [redacted]. We are in receipt of your complaint filed with the Revdex.com of San Diego on 5/7/2015.As noted in your letter, you purchased a travel protection plan on 4/9/2015 in conjunction with your air ticket purchase on[redacted]. The travel protection plan features a 10-Day free look period upon purchase, which allows customersto review the coverage for satisfaction. If customers are not satisfied with our coverage after their review, they are able toreturn the plan within 10 days of purchase for a full refund. After this 10-Day free look period, the plan is non-refundable.As such, your refund request on 4/21/2015 was denied.
In your complaint to the Revdex.com of San Diego, you advised that your wife clicked on a link or banner within the[redacted] website, which offered more information about the insurance product. Instead of arriving at aninformational page, your credit card was immediately charged $1,699.00. Your complaint noted that you were unable torecreate the events, and we were not able to document a similar customer experience in our testing.
During this time period, CSA received feedback from other [redacted] customers they experienced odd behavior onthe website with regards to the insurance links. The feedback has prompted CSA to investigate the website issues of ourpartner further, to ensure we correct any issues with the customer insurance purchase experience. In light of thisinformation, CSA will honor your request to cancel your plan outside of the 10-Day free look period, and will be issuingyou a refund of the $1,699.00 plan cost.
CSA is committed to providing optimal service to our customers and partners, and we appreciate the opportunity to auditour processes. If you have any questions, or require any further information, please do not hesitate to contact me directlyat [redacted] or [redacted] .
Sincerely,[redacted]Director of Compliance & Licensing
Cc: Revdex.com of San Diego [redacted]
[redacted] Vice President of Operations CSA Travel Protection and Insurance Services
I am a property owner and use homeaway to rent my properly, and frequently offer CSA protection to my guests. Well, everything goes well until you need them! Every claim I've done so far, if small would take over 1 month for a resolution, after they would request all type of information and pictures. Now, I've recently filed a bigger claim, and it's being over 40 days and I haven't got an answer. When calling today I was advised that they will not pay anything, bc they claim is to big, claiming "excessive damage". Important to say that subject furniture are expensive and some small damages happened to several pcs of furniture, after the 45 days stay of my guests. Everything they requested was done, and there was A LOT of requests! I am surely not using this company again, and would alert all that if your paying for a coverage of U$3,000 expect to get NOTHING if your claim gets close to this amount.
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased by Vitaly [redacted]. We are in receipt of your email with additional information submitted by Mr. [redacted] regarding the denial of this claim.
Mr. [redacted] is frustrated that we are unable to provide benefits for the damage to his rental property. According to Mr. [redacted], when the property was inspected on January 05, 2016, after the tenants checked out on January 03, 2016, the door jamb to the sliding glass door was damaged. Windows were left open, the kitchen faucet was damaged, and the unit was left dirty.
The policy provides benefits to the named Insured "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 cost to replace the property, up to the amount shown in the Schedule."
We contacted the named Insured, Mr. [redacted], and he stated that neither he nor his guests caused any of the damages. As this policy only pays for damages caused by the Insured or their guests, we are unable to provide benefits for the claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted].
Sincerely,
[redacted]
Technical Claims Specialist
CC: [redacted]
Horrible insurance company. I would not recommend CSA to anyone. We purchased CSA insurance for a beach rental in Florida. 4 weeks later we found out our daughter was pregnant. Her doctor told her not to go to this area because of concerns over the Zyka virus. Apparently CSA would rather have my pregnant daughter take a chance and go on vacation. They denied the claim because it isn't listed in their policy. What a joke. I would not recommend this company to anyone. [redacted] uses them as their insurance carrier, as do many other rental agencies. Be careful who you rent through.
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 24, 2015, notifying us of the complaint filed by Ms. [redacted].
Ms....
[redacted] made final payment for her cruise on April 22, 2015. The travel insurance planwas purchased on June 23, 2015, with a Trip Cancellation coverage effective date of June 24,2015. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan'scoverage and coverage restrictions, were emailed to her.According to the information Ms. [redacted] provided in her complaint, her grandmother washospitalized on June 22, 2015 and passed away on June 25, 2015. The death certificateindicates the medical condition that resulted in the patient's passing was present before thepolicy went into effect
The policy provides Trip Cancellation Benefits for "unforeseeable Covered Events that occurbefore departure on your Trip to you or your Traveling Companion, while your coverage is ineffect under this Policy."
As shown under "Covered Events:1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion oryour Service Animal. The Sickness or Injury must first commence while your coverage is ineffect under the Policy".
Coverage is also subject to the plan's "GENERAL EXCLUSIONS1. We will not pay for any loss under this Policy, caused by, or resulting froms. a loss thatresults from an illness, disease, or other condition, event or circumstance which occurs at a timewhen coverage is not in effect for you;
t. any issue or event that could have been reasonably foreseen or expected when youpurchased the coverage."
The medical condition that resulted in the patient's death was present prior to the policy goinginto effect. Therefore, we are unable to provide 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].
Sincerely,
[redacted]
cc: [redacted]
[redacted]/ Revdex.com OF SAN DIEGO
4747 VIEWRIDGE AVE #200
SAN DIEGO, CA 92123
Complainant: [redacted] #10258004 I Insured: [redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: July 13, 2014- July 20, 2014
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 15, 2014, with additional information provided by Ms.
[redacted].
Ms. [redacted] has indicated that Ms. [redacted] did not notify her immediately upon arrival at the
property regarding the carpet stains and other damage. We cannot explain why the tenant did
not do so. We contacted Ms. [redacted] to verify the damages claimed had occurred during her
stay at the property. Except for the scratches on the bathroom door, Ms. [redacted] denied that
the other damages were caused by her dogs.
The protection plan purchased by Ms. [redacted] provides coverage for damage to the property
that she causes. Coverage would have been afforded for the stained carpet and scratched chair
leg if Ms. [redacted] had confirmed that those damages occurred during her stay at the property.
As Ms. [redacted] has denied that the other damages occurred during her stay at the property,
we are unable to provide payment to Ms. [redacted] for the additional $430.00 claimed.
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 General SPA US Branch
[redacted]/ Director of Claims
Dear Ms. [redacted];
5pt;">CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchased. We are in receipt of your email dated April 24, 2016, notifying us of the complaint filed by Ms. [redacted].
We have reevaluated this claim and determined we have sufficient documentation to afford benefits. The claims representative is obtaining additional information from the airline and once received the claim will be paid.
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] / Director of Claims
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchased. We are in receipt of your email dated May 12, 2016, with additional information provided by Ms. [redacted].
Ms. [redacted] indicates that she did try to get an appointment to see her doctor for her medical condition. As indicated in our previous response, in order to qualify for Trip Cancellation benefits the policy states:
"The Sickness or Injury must commence while coverage is in effect, require the examination by a Physician, in person, at the time of Trip Cancellation or delay and, in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip or delay your arrival on your Trip."
According to our telephone call to Dr. [redacted]'s office, Ms. [redacted] has not been seen in-person at their facility during 2016. As such, there is no medical documentation to substantiate her claim. We are unable to reimburse her 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]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: [redacted] / Director of Claims
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 emailedDated July 20, 2015, notifying us of the complaint filed by Mr. and Mrs....
[redacted].Mr. and Mrs. [redacted] booked a cruise with [redacted] with the scheduled travel dates ofMay 05, 2015 to May 13, 2015. The travel insurance plan was purchased on August 15, 2014.At that time a Policy Confirmation Letter, stating the insured travel dates and policy maximums,and a Description of Coverage, outlining the plan's coverage and coverage restrictions, wereemailed to them.
Mr. and Mrs. [redacted] additionally, booked other travel arrangements, which were not insured,extending their trip from April 30, 2015 to May 16, 2015. On May 05, 2015, Mr. [redacted] beganfeeling ill and sought medical treatment on May 07, 2015. Although Mr. [redacted] was diagnosedwith pneumonia, they continued on their trip, as scheduled.
The plan purchased provides trip interruption benefits for: "the unused, non-refundable land orwater arrangements prepaid to the Travel Supplier prior to departing on your Trip, less anyrefunds paid or payable, plus ... Additional transportation expenses incurred for you to reachthe final return destination of your Trip".
We have verified with [redacted], that Mr. and Mrs. [redacted] continued on their trip, asscheduled, and used all portions of their river cruise including the transfer from A[redacted] to[redacted]. As all pre-paid arrangements booked with [redacted] were used, we areunable to reimburse them for this portion of their claim.
According to the documentation provided, the unused airfare from Barcelona, Spain to [redacted] was scheduled for May 16, 2015. As Mr. and Mrs. [redacted] only insured the traveldates of May 05, 2015 to May 13, 2016, this airfare falls outside of the insured travel dates.Therefore, we are not able to consider reimbursement for this expense.
In regards to Mr. and Mrs. [redacted]'s request for reimbursement for their additional hotel in SanFrancisco and the balance of all travel delay charges, the plan purchased has a travel delaypolicy maximum of $1,000.00. Mr. and Mrs. [redacted] were issued payment for their policymaximum on June 11, 2015. Please note, travel delay coverage provides benefitsfor: "reasonable additional expenses incurred by you for lodging Accommodations, meals,telephone calls, local transportation, and additional vehicle parking charges and additional petkennel fees incurred due to the delay."
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] / [redacted]
[redacted] responded to this complaint on 4/22/15. Please let me know if you need another copy.
Re: [redacted] Email: [redacted]Revdex.com Complaint ID [redacted]CSA Policy #[redacted]Dear Ms. [redacted],CSA Travel Protection and Insurance Services is an administrator of travel protection plans and vacation rental damage protection plans sold through HomeAway.com and their subsidiary site VRBO. We are in receipt of your complaint filed with the Revdex.com of San Diego.As noted in your letter, you purchased Cancellation Protection for your VRBO accommodations March 17, 2015 through April 7, 2015. The Cancellation Protection product offers various non-insurance services that are available during your trip, as well as two insurance coverages: Trip Cancellation and Travel Delay. A copy of your Policy Confirmation Letter with the product’s Travel Insurance Policy is attached. In your phone call with CSA on March 25, 2015, you advised that your stay at the VRBO accommodations were interrupted due to a family emergency and you inquired how to begin a claim for Trip Interruption benefits. The Customer Service Representative advised that the product purchased through VRBO does not contain Trip Interruption benefits for unused arrangements. We regret that we must reaffirm the information provided in the phone call on March 25, 2015. We work closely with HomeAway.com and their subsidiary sites to ensure the advertising of this product is clear and appropriate, and will take this opportunity to further audit these sites to ensure we are providing optimal service to our customers. If you have any questions, or require any further information, please do not hesitate to contact me directly at [redacted] or [redacted]. Sincerely,[redacted]Director of Compliance & LicensingEnclosure/Attachment: Policy Confirmation Letter for #[redacted] including Travel Insurance PolicyCc: Revdex.com of San Diego [redacted] Vice President of Operations CSA Travel Protection[redacted], ACPDirector of Compliance and LicensingPhone[redacted] Fax[redacted]Follow us on[redacted]www.csatravelprotection.com This e-mail, any attachment and the information contained therein ("this message") may contain information that is privileged, proprietary, confidential and exempt from disclosure and are intended solely for the use of the addressee(s). If you have received this message in error please send it back to the sender and delete it. If you are not the intended recipient, you are notified that unauthorized publication, use, dissemination or disclosure of this message, either in whole or in part, is strictly prohibited.
DO NOT USE CSA FOR PROPERTY DAMAGE PROTECTION!!!
I am a vacation rental owner of 4 properties. For nearly 2 years I have been using CSA property damage protection for $3000 worth of coverage with each Homeaway/VRBO booking request I accept. My guests have paid thousands to CSA to protect them in case of damages during their stay at my rental properties in lieu of a security deposit.
I filed my first claim with CSA because a tenant's pet infested one of my properties with fleas (the fleas then spread to another unit). This impacted the following guest as well. As a result, it cost me almost $4000 in damages, cleaning fees, reimbursements, etc. CSA refused to pay the claim stating that "they only cover broken items that need repaired."
This company is scam. I will not use them again.
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 May 07, 2015, notifying us of the complaint filed by Mrs. [redacted].
Mrs....
[redacted] and her traveling companions booked a rental property with scheduled travel datesof December 30, 2014 to January 02, 2015. The travel insurance plan was purchased onNovember 27, 2014, with a Trip Cancellation coverage effective date of November 28, 2014.Mr. [redacted] passed away on November 30, 2014, due to Coronary Artery Disease as shown onthe death certificate provided to us.The policy provides benefits for Trip Cancellation if the insured is prevented from taking theirTrip due to one of the unforeseeable Covered Events listed in the plan that occurs whilecoverage is in effect under the Policy. The policy effective date is within two days of Mr.[redacted]'s passing, and the cause of death listed on the death certificate is a chronic medicalcondition. Therefore, we must ensure that Mr. [redacted] died due to an event that was unforeseenat the time of the insurance purchase.
We requested the medical records from the treating facility in February 2015, after receiving thecompleted patient authorization form. Unfortunately, after refaxing and mailing our request andmany telephone calls to the facility for status, the records have still not been received in ouroffice. Most recently, on April 27, 2015, we were told the records would be sent that week.When we followed up on May 07, 2015, we were told that the mail room was backed up and itcould take 15 business days.
Normally, it does not take this long for a medical facility to comply with our request for medicalrecords. We apologize for the delay in finalizing the claim. Once the records are received, theywill be reviewed immediately to confirm all policy terms have been met to allow payment of theclaim.
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] / Director of Claims
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 October 25, 2016, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] purchased airline tickets with scheduled travel dates of December 01, 2016 to December 13, 2016. The travel insurance plan was purchased on August 18, 2016, with coverage for Trip Cancellation commencing on August 19, 2016. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her. The Description of Coverage lists the eleven (11) Covered Events that will allow payment of Trip Cancellation benefits. This plan does not offer Cancel for Any Reason coverage,
The Policy Confirmation Letter encourages the insured to review the policy documents carefully. lf the plan does not meet the needs of the customer, there is a 10-day free look period to cancel the policy and receive a refund of the insurance premium. This is also listed in the Description of Coverage under the heading "10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COWERAGE".
Ms. [redacted] contacted our office on October 24, 2016, to establish a Trip Cancellation claim due to having a layover in a location that has a travel advisory, and due to uncertainty of scheduling for a house sale closing process. It was explained that these reasons did not appear to be ones that would allow payment of a Trip Cancellation claim under the terms of this policy. Ms. [redacted] has not yet submitted a claim to us for review. Upon receipt of the claim with supporting documentation, we can further review this matter and inform Ms. [redacted] of our decision.
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. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr, Technical Claims Specialist
cc: Generali U.S. Branch
[redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.S. Branch asthe administrator of the travel protection plan that was selected. We are in receipt ofyour email dated February 04, 2016, notifying us that Ms. [redacted] has providedadditional information previously required from us.
Unfortunately, our original position has not changed. As previously advised, duringthe telephone conversation between Ms. [redacted] and [redacted], hereinreferred to as **, on September 26,2015, Ms. [redacted] asked, if she does not startfeeling well, would ** be able to help her with an airline ticket back to [redacted].** advised Ms. [redacted] that she would need to provide them with a copy of themedical report prepared by the treating physician and there was no furtherdiscussion regarding Ms. [redacted]'s desire to return home early. Again, the planpurchased provides Emergency Assistance and Transportation expenses for: "non,emergency repatriation ... to your place of residence in the United States ofAmerica, when deemed medically necessary by the attending physician, subject toprior approval by us or our authorized agent."
Ms. [redacted] has again provided a copy of the medical report requested on September26, 2015. However, this documentation was first provided to us on October 15,2015, after she safely returned home from her trip. Our authorized agent was unableto determine if it was medically necessary for Ms. [redacted] to return home early, asthe requested documentation was not provided until after she had already retumedhome.
As previously advised, we have issued payment to Ms. [redacted] in the amount of$222.12 for her trip interruption claim. This payment represents reimbursement ofher unused tours booked with [redacted] .. Additionally, Ms. [redacted] is awarethat as she is a Medicare policyholder with a supplemental carrier, we require thedisposition from the supplemental carrier, as most will pay some foreign expenseseven though Medicare will not. Once this infonnation is received from Ms. [redacted],we will reimburse her for her medical expenses not covered by her supplementalmedical carrier, [redacted]d.
If you have any questions, please feel free to contact us at [redacted], by emailat [redacted] or by FAX at [redacted].
Sincerely,[redacted]Technical Specialist
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.
Regards,
[redacted]
Revdex.com:
I'm not satisfied with the resolution because C S A did not take into consideration that anxiety has physical features. Harvard Health Publications wrote the following report:
Anxiety is a reaction to stress that is both psychological and physical features.The feeling is thought to arise in the amygdala, the brain region that governs many intense emotional responses. As neurotransmitter carry the impulse to the sympathetic nervous system, heart and breathing rates increases, muscles tense, and the blood flow is diverted from the abdominal organs to the brain. In short term, anxiety prepares us to confront a crises by putting the body on alert. But its physical effects can be counterproductive, causing light-headedness, nausea, diarrhea, and frequent urination. And when it persists, anxiety can take a toll on our mental and physical health.
Dr. [redacted] should have discussed my physical symptoms as well as the acute anxiety that I was experiencing when he filled out the first physicians statement. I believe he felt that he could get the physical problems under control by treating the anxiety that I was experiencing because of the break up of my sons marriage. Dr. [redacted] is a well respected physician and would not have filled out the second statement if everything he stated wasn't true. He was more than happy to fill out the second report, If he did not not mention the dizziness and other symptoms in his records, he certainly remembered them at the follow up.
For the above reasons I believe C S A should pay the $1900.
Thank You
[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.
When looking into it I purchased the product because it was the "easiest", "safety measure" to protecting yourself in the event of a trip. I paid for it and went with the fact that if I couldn't take leave I'd be covered cause of the hotel's cancellation policy. Thats what I was told. This a horrible rip off of a situation. At the very least I should be fully refunded. Which would only make me slightly less up set. I can't go on this trip. Cause of an event. Either this is a travel insurance company or it is a company that takes your money and insures very little to nothing. In my opinion it is the latter. I want everyone to be aware of that. There are channels on base I will be advertising all of the above correspondences. Outlining the fact that if you can't go on a trip due to deploying or possibility of deploying your not covered. I will always blog on every DoD website. Military website, Facebook page I can. I hate when insurance companies take your money selling you piece of mind and do whatever they can to not cover you.
Regards,
[redacted]
[redacted] I Revdex.com OF SAN DIEGO September 22, 2014
5050 MURPHY CANYON ROAD #110
SAN DIEGO, CA 92123
[redacted] #1 0211686
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: September 05, 2014- September 07, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchased. We are in receipt of your email dated September 15, 2014, with the additional information provided by Mr. [redacted].
Mr. [redacted] felt we inferred that Stonebridge/CSA was indirectly responsible for his securing a refund for his airline ticket. Our letter had only stated that AirTran Airways had informed us that the ticket was refunded. Mr. [redacted] would like for Stonebridge to clearly proclaim on the statement of allowed coverage that there is no coverage for service members' official travel if it is canceled by the government.
The Policy Confirmation Letter provides the Schedule of Insurance Coverage's along with the telephone number to contact our Customer Service Department with questions about the plan. The Description of Coverage, which is attached to the Policy Confirmation Letter, details the plan's covered events and restrictions. A 1 0-day free look period is offered that allows a refund of the insurance cost if the plan does not meet the needs of the purchaser.
It is not possible to highlight each situation that may or may not be covered by the plan on the Policy Confirmation Letter. However, we do appreciate the complainant's feedback and we have relayed it to the insurance company for consideration.
If you have any questions, please feel free to contact us at (800) 876-6903, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr Technical Claims Specialist
cc: [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.
Regards,
[redacted]
when I purchased the travel insurance I had know knowledge that my mother was not on the mend. She had been in the Masonic Home of New Jersey for 4 years and was in the nursing care section of the home.She was hospitalized for bronchitis and as a precaution the doctor did not want her to get pneumonia.when she came back to the home,she was on the mend.I purchased the insurance just in case she did not get better. I spoke to her on November 3,2013 and she was eating and drinking fluids, but was weak. I did not cancel my vacation until November 5th,2013,because my husband and I were taking a wait and see attitude to see if she was going to get better. We would have gone on our cruise,however, On the 4th of November she was going downhill and I got an emergency flight to New Jersey from Florida and she went fast and passed on November 9th 2013. What is the purpose of getting travel insurance if you are not assured of peace of mind????? Mr. and Mrs.[redacted].
Dear Ms. [redacted]:
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 February 16, 2016, requesting clarification.
When Vitaly [redacted], the named Insured, purchased his policy, he was emailed a Policy Confirmation Letter and Description of Coverage. This is our standard procedure. Mr. [redacted] received an email from us letting him know that Mr. [redacted] had purchased a policy. This email provided a telephone number for Mr. [redacted] to call our Customer Service Department with any questions he might have. As Mr. [redacted] is not the Insured and/or policyholder, a copy of the policy was not provided to him.
This policy only pays for damages caused by the Insured or their guests. We contacted the named Insured, Mr. [redacted], and he stated that neither he nor his guests caused any of the damages. Therefore, we were unable to provide benefits for the 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]
Technical Claims Specialist
CC: [redacted]
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 10/20/16, with additional information provided by Ms. [redacted] for consideration.
Ms. [redacted] has provided a letter written by Dr. [redacted], which indicates that he first saw the patient for evaluation of a lesion on 06/03/16. A biopsy was performed at that time, resulting in a diagnosis of dysplasia. A second biopsy, performed on 6/22/16, showed a diagnosis of squamous cell carcinoma. This new diagnosis required surgery, and Ms. [redacted] canceled the trip on 06/30/16, to assist her father.
Based on the new diagnosis after the 06/05/16 policy effective date, and the additional clarification of the illness from the patient's doctor, we have determined coverage can be afforded for this claim. The file will be reopened to issue payment for the non-refundable Trip cost paid of $678.88. The insurance cost is non-refundable.
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
cc: [redacted] / Director of Claims
[redacted]
Re: Customer: [redacted] Revdex.com Complaint ID [redacted] CSA Policy #[redacted]
Dear Mr. [redacted],
CSA Travel Protection and Insurance Services is an administrator of travel...
protection and emergency assistance planssold on [redacted]. We are in receipt of your complaint filed with the Revdex.com of San Diego on 5/7/2015.As noted in your letter, you purchased a travel protection plan on 4/9/2015 in conjunction with your air ticket purchase on[redacted]. The travel protection plan features a 10-Day free look period upon purchase, which allows customersto review the coverage for satisfaction. If customers are not satisfied with our coverage after their review, they are able toreturn the plan within 10 days of purchase for a full refund. After this 10-Day free look period, the plan is non-refundable.As such, your refund request on 4/21/2015 was denied.
In your complaint to the Revdex.com of San Diego, you advised that your wife clicked on a link or banner within the[redacted] website, which offered more information about the insurance product. Instead of arriving at aninformational page, your credit card was immediately charged $1,699.00. Your complaint noted that you were unable torecreate the events, and we were not able to document a similar customer experience in our testing.
During this time period, CSA received feedback from other [redacted] customers they experienced odd behavior onthe website with regards to the insurance links. The feedback has prompted CSA to investigate the website issues of ourpartner further, to ensure we correct any issues with the customer insurance purchase experience. In light of thisinformation, CSA will honor your request to cancel your plan outside of the 10-Day free look period, and will be issuingyou a refund of the $1,699.00 plan cost.
CSA is committed to providing optimal service to our customers and partners, and we appreciate the opportunity to auditour processes. If you have any questions, or require any further information, please do not hesitate to contact me directlyat [redacted] or [redacted] .
Sincerely,[redacted]Director of Compliance & Licensing
Cc: Revdex.com of San Diego [redacted]
[redacted] Vice President of Operations CSA Travel Protection and Insurance Services
I am a property owner and use homeaway to rent my properly, and frequently offer CSA protection to my guests. Well, everything goes well until you need them! Every claim I've done so far, if small would take over 1 month for a resolution, after they would request all type of information and pictures. Now, I've recently filed a bigger claim, and it's being over 40 days and I haven't got an answer. When calling today I was advised that they will not pay anything, bc they claim is to big, claiming "excessive damage". Important to say that subject furniture are expensive and some small damages happened to several pcs of furniture, after the 45 days stay of my guests. Everything they requested was done, and there was A LOT of requests! I am surely not using this company again, and would alert all that if your paying for a coverage of U$3,000 expect to get NOTHING if your claim gets close to this amount.
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased by Vitaly [redacted]. We are in receipt of your email with additional information submitted by Mr. [redacted] regarding the denial of this claim.
Mr. [redacted] is frustrated that we are unable to provide benefits for the damage to his rental property. According to Mr. [redacted], when the property was inspected on January 05, 2016, after the tenants checked out on January 03, 2016, the door jamb to the sliding glass door was damaged. Windows were left open, the kitchen faucet was damaged, and the unit was left dirty.
The policy provides benefits to the named Insured "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 cost to replace the property, up to the amount shown in the Schedule."
We contacted the named Insured, Mr. [redacted], and he stated that neither he nor his guests caused any of the damages. As this policy only pays for damages caused by the Insured or their guests, we are unable to provide benefits for the claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted].
Sincerely,
[redacted]
Technical Claims Specialist
CC: [redacted]
Horrible insurance company. I would not recommend CSA to anyone. We purchased CSA insurance for a beach rental in Florida. 4 weeks later we found out our daughter was pregnant. Her doctor told her not to go to this area because of concerns over the Zyka virus. Apparently CSA would rather have my pregnant daughter take a chance and go on vacation. They denied the claim because it isn't listed in their policy. What a joke. I would not recommend this company to anyone. [redacted] uses them as their insurance carrier, as do many other rental agencies. Be careful who you rent through.
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 24, 2015, notifying us of the complaint filed by Ms. [redacted].
Ms....
[redacted] made final payment for her cruise on April 22, 2015. The travel insurance planwas purchased on June 23, 2015, with a Trip Cancellation coverage effective date of June 24,2015. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan'scoverage and coverage restrictions, were emailed to her.According to the information Ms. [redacted] provided in her complaint, her grandmother washospitalized on June 22, 2015 and passed away on June 25, 2015. The death certificateindicates the medical condition that resulted in the patient's passing was present before thepolicy went into effect
The policy provides Trip Cancellation Benefits for "unforeseeable Covered Events that occurbefore departure on your Trip to you or your Traveling Companion, while your coverage is ineffect under this Policy."
As shown under "Covered Events:1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion oryour Service Animal. The Sickness or Injury must first commence while your coverage is ineffect under the Policy".
Coverage is also subject to the plan's "GENERAL EXCLUSIONS1. We will not pay for any loss under this Policy, caused by, or resulting froms. a loss thatresults from an illness, disease, or other condition, event or circumstance which occurs at a timewhen coverage is not in effect for you;
t. any issue or event that could have been reasonably foreseen or expected when youpurchased the coverage."
The medical condition that resulted in the patient's death was present prior to the policy goinginto effect. Therefore, we are unable to provide 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].
Sincerely,
[redacted]
cc: [redacted]
[redacted]/ Revdex.com OF SAN DIEGO
4747 VIEWRIDGE AVE #200
SAN DIEGO, CA 92123
Complainant: [redacted] #10258004 I Insured: [redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: July 13, 2014- July 20, 2014
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 15, 2014, with additional information provided by Ms.
[redacted].
Ms. [redacted] has indicated that Ms. [redacted] did not notify her immediately upon arrival at the
property regarding the carpet stains and other damage. We cannot explain why the tenant did
not do so. We contacted Ms. [redacted] to verify the damages claimed had occurred during her
stay at the property. Except for the scratches on the bathroom door, Ms. [redacted] denied that
the other damages were caused by her dogs.
The protection plan purchased by Ms. [redacted] provides coverage for damage to the property
that she causes. Coverage would have been afforded for the stained carpet and scratched chair
leg if Ms. [redacted] had confirmed that those damages occurred during her stay at the property.
As Ms. [redacted] has denied that the other damages occurred during her stay at the property,
we are unable to provide payment to Ms. [redacted] for the additional $430.00 claimed.
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 General SPA US Branch
[redacted]/ Director of Claims
Dear Ms. [redacted];
5pt;">CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchased. We are in receipt of your email dated April 24, 2016, notifying us of the complaint filed by Ms. [redacted].
We have reevaluated this claim and determined we have sufficient documentation to afford benefits. The claims representative is obtaining additional information from the airline and once received the claim will be paid.
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] / Director of Claims
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchased. We are in receipt of your email dated May 12, 2016, with additional information provided by Ms. [redacted].
Ms. [redacted] indicates that she did try to get an appointment to see her doctor for her medical condition. As indicated in our previous response, in order to qualify for Trip Cancellation benefits the policy states:
"The Sickness or Injury must commence while coverage is in effect, require the examination by a Physician, in person, at the time of Trip Cancellation or delay and, in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip or delay your arrival on your Trip."
According to our telephone call to Dr. [redacted]'s office, Ms. [redacted] has not been seen in-person at their facility during 2016. As such, there is no medical documentation to substantiate her claim. We are unable to reimburse her 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]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: [redacted] / Director of Claims
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 emailedDated July 20, 2015, notifying us of the complaint filed by Mr. and Mrs....
[redacted].Mr. and Mrs. [redacted] booked a cruise with [redacted] with the scheduled travel dates ofMay 05, 2015 to May 13, 2015. The travel insurance plan was purchased on August 15, 2014.At that time a Policy Confirmation Letter, stating the insured travel dates and policy maximums,and a Description of Coverage, outlining the plan's coverage and coverage restrictions, wereemailed to them.
Mr. and Mrs. [redacted] additionally, booked other travel arrangements, which were not insured,extending their trip from April 30, 2015 to May 16, 2015. On May 05, 2015, Mr. [redacted] beganfeeling ill and sought medical treatment on May 07, 2015. Although Mr. [redacted] was diagnosedwith pneumonia, they continued on their trip, as scheduled.
The plan purchased provides trip interruption benefits for: "the unused, non-refundable land orwater arrangements prepaid to the Travel Supplier prior to departing on your Trip, less anyrefunds paid or payable, plus ... Additional transportation expenses incurred for you to reachthe final return destination of your Trip".
We have verified with [redacted], that Mr. and Mrs. [redacted] continued on their trip, asscheduled, and used all portions of their river cruise including the transfer from A[redacted] to[redacted]. As all pre-paid arrangements booked with [redacted] were used, we areunable to reimburse them for this portion of their claim.
According to the documentation provided, the unused airfare from Barcelona, Spain to [redacted] was scheduled for May 16, 2015. As Mr. and Mrs. [redacted] only insured the traveldates of May 05, 2015 to May 13, 2016, this airfare falls outside of the insured travel dates.Therefore, we are not able to consider reimbursement for this expense.
In regards to Mr. and Mrs. [redacted]'s request for reimbursement for their additional hotel in SanFrancisco and the balance of all travel delay charges, the plan purchased has a travel delaypolicy maximum of $1,000.00. Mr. and Mrs. [redacted] were issued payment for their policymaximum on June 11, 2015. Please note, travel delay coverage provides benefitsfor: "reasonable additional expenses incurred by you for lodging Accommodations, meals,telephone calls, local transportation, and additional vehicle parking charges and additional petkennel fees incurred due to the delay."
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] / [redacted]
[redacted] responded to this complaint on 4/22/15. Please let me know if you need another copy.
Re: [redacted] Email: [redacted]Revdex.com Complaint ID [redacted]CSA Policy #[redacted]Dear Ms. [redacted],CSA Travel Protection and Insurance Services is an administrator of travel protection plans and vacation rental damage protection plans sold through HomeAway.com and their subsidiary site VRBO. We are in receipt of your complaint filed with the Revdex.com of San Diego.As noted in your letter, you purchased Cancellation Protection for your VRBO accommodations March 17, 2015 through April 7, 2015. The Cancellation Protection product offers various non-insurance services that are available during your trip, as well as two insurance coverages: Trip Cancellation and Travel Delay. A copy of your Policy Confirmation Letter with the product’s Travel Insurance Policy is attached. In your phone call with CSA on March 25, 2015, you advised that your stay at the VRBO accommodations were interrupted due to a family emergency and you inquired how to begin a claim for Trip Interruption benefits. The Customer Service Representative advised that the product purchased through VRBO does not contain Trip Interruption benefits for unused arrangements. We regret that we must reaffirm the information provided in the phone call on March 25, 2015. We work closely with HomeAway.com and their subsidiary sites to ensure the advertising of this product is clear and appropriate, and will take this opportunity to further audit these sites to ensure we are providing optimal service to our customers. If you have any questions, or require any further information, please do not hesitate to contact me directly at [redacted] or [redacted]. Sincerely,[redacted]Director of Compliance & LicensingEnclosure/Attachment: Policy Confirmation Letter for #[redacted] including Travel Insurance PolicyCc: Revdex.com of San Diego [redacted] Vice President of Operations CSA Travel Protection[redacted], ACPDirector of Compliance and LicensingPhone[redacted] Fax[redacted]Follow us on[redacted]www.csatravelprotection.com This e-mail, any attachment and the information contained therein ("this message") may contain information that is privileged, proprietary, confidential and exempt from disclosure and are intended solely for the use of the addressee(s). If you have received this message in error please send it back to the sender and delete it. If you are not the intended recipient, you are notified that unauthorized publication, use, dissemination or disclosure of this message, either in whole or in part, is strictly prohibited.
DO NOT USE CSA FOR PROPERTY DAMAGE PROTECTION!!!
I am a vacation rental owner of 4 properties. For nearly 2 years I have been using CSA property damage protection for $3000 worth of coverage with each Homeaway/VRBO booking request I accept. My guests have paid thousands to CSA to protect them in case of damages during their stay at my rental properties in lieu of a security deposit.
I filed my first claim with CSA because a tenant's pet infested one of my properties with fleas (the fleas then spread to another unit). This impacted the following guest as well. As a result, it cost me almost $4000 in damages, cleaning fees, reimbursements, etc. CSA refused to pay the claim stating that "they only cover broken items that need repaired."
This company is scam. I will not use them again.
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 May 07, 2015, notifying us of the complaint filed by Mrs. [redacted].
Mrs....
[redacted] and her traveling companions booked a rental property with scheduled travel datesof December 30, 2014 to January 02, 2015. The travel insurance plan was purchased onNovember 27, 2014, with a Trip Cancellation coverage effective date of November 28, 2014.Mr. [redacted] passed away on November 30, 2014, due to Coronary Artery Disease as shown onthe death certificate provided to us.The policy provides benefits for Trip Cancellation if the insured is prevented from taking theirTrip due to one of the unforeseeable Covered Events listed in the plan that occurs whilecoverage is in effect under the Policy. The policy effective date is within two days of Mr.[redacted]'s passing, and the cause of death listed on the death certificate is a chronic medicalcondition. Therefore, we must ensure that Mr. [redacted] died due to an event that was unforeseenat the time of the insurance purchase.
We requested the medical records from the treating facility in February 2015, after receiving thecompleted patient authorization form. Unfortunately, after refaxing and mailing our request andmany telephone calls to the facility for status, the records have still not been received in ouroffice. Most recently, on April 27, 2015, we were told the records would be sent that week.When we followed up on May 07, 2015, we were told that the mail room was backed up and itcould take 15 business days.
Normally, it does not take this long for a medical facility to comply with our request for medicalrecords. We apologize for the delay in finalizing the claim. Once the records are received, theywill be reviewed immediately to confirm all policy terms have been met to allow payment of theclaim.
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] / Director of Claims
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 October 25, 2016, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] purchased airline tickets with scheduled travel dates of December 01, 2016 to December 13, 2016. The travel insurance plan was purchased on August 18, 2016, with coverage for Trip Cancellation commencing on August 19, 2016. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her. The Description of Coverage lists the eleven (11) Covered Events that will allow payment of Trip Cancellation benefits. This plan does not offer Cancel for Any Reason coverage,
The Policy Confirmation Letter encourages the insured to review the policy documents carefully. lf the plan does not meet the needs of the customer, there is a 10-day free look period to cancel the policy and receive a refund of the insurance premium. This is also listed in the Description of Coverage under the heading "10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COWERAGE".
Ms. [redacted] contacted our office on October 24, 2016, to establish a Trip Cancellation claim due to having a layover in a location that has a travel advisory, and due to uncertainty of scheduling for a house sale closing process. It was explained that these reasons did not appear to be ones that would allow payment of a Trip Cancellation claim under the terms of this policy. Ms. [redacted] has not yet submitted a claim to us for review. Upon receipt of the claim with supporting documentation, we can further review this matter and inform Ms. [redacted] of our decision.
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. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr, Technical Claims Specialist
cc: Generali U.S. Branch
[redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.S. Branch asthe administrator of the travel protection plan that was selected. We are in receipt ofyour email dated February 04, 2016, notifying us that Ms. [redacted] has providedadditional information previously required from us.
Unfortunately, our original position has not changed. As previously advised, duringthe telephone conversation between Ms. [redacted] and [redacted], hereinreferred to as **, on September 26,2015, Ms. [redacted] asked, if she does not startfeeling well, would ** be able to help her with an airline ticket back to [redacted].** advised Ms. [redacted] that she would need to provide them with a copy of themedical report prepared by the treating physician and there was no furtherdiscussion regarding Ms. [redacted]'s desire to return home early. Again, the planpurchased provides Emergency Assistance and Transportation expenses for: "non,emergency repatriation ... to your place of residence in the United States ofAmerica, when deemed medically necessary by the attending physician, subject toprior approval by us or our authorized agent."
Ms. [redacted] has again provided a copy of the medical report requested on September26, 2015. However, this documentation was first provided to us on October 15,2015, after she safely returned home from her trip. Our authorized agent was unableto determine if it was medically necessary for Ms. [redacted] to return home early, asthe requested documentation was not provided until after she had already retumedhome.
As previously advised, we have issued payment to Ms. [redacted] in the amount of$222.12 for her trip interruption claim. This payment represents reimbursement ofher unused tours booked with [redacted] .. Additionally, Ms. [redacted] is awarethat as she is a Medicare policyholder with a supplemental carrier, we require thedisposition from the supplemental carrier, as most will pay some foreign expenseseven though Medicare will not. Once this infonnation is received from Ms. [redacted],we will reimburse her for her medical expenses not covered by her supplementalmedical carrier, [redacted]d.
If you have any questions, please feel free to contact us at [redacted], by emailat [redacted] or by FAX at [redacted].
Sincerely,[redacted]Technical Specialist
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.
Regards,
[redacted]
Revdex.com:
I'm not satisfied with the resolution because C S A did not take into consideration that anxiety has physical features. Harvard Health Publications wrote the following report:
Anxiety is a reaction to stress that is both psychological and physical features.The feeling is thought to arise in the amygdala, the brain region that governs many intense emotional responses. As neurotransmitter carry the impulse to the sympathetic nervous system, heart and breathing rates increases, muscles tense, and the blood flow is diverted from the abdominal organs to the brain. In short term, anxiety prepares us to confront a crises by putting the body on alert. But its physical effects can be counterproductive, causing light-headedness, nausea, diarrhea, and frequent urination. And when it persists, anxiety can take a toll on our mental and physical health.
Dr. [redacted] should have discussed my physical symptoms as well as the acute anxiety that I was experiencing when he filled out the first physicians statement. I believe he felt that he could get the physical problems under control by treating the anxiety that I was experiencing because of the break up of my sons marriage. Dr. [redacted] is a well respected physician and would not have filled out the second statement if everything he stated wasn't true. He was more than happy to fill out the second report, If he did not not mention the dizziness and other symptoms in his records, he certainly remembered them at the follow up.
For the above reasons I believe C S A should pay the $1900.
Thank You
[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.
When looking into it I purchased the product because it was the "easiest", "safety measure" to protecting yourself in the event of a trip. I paid for it and went with the fact that if I couldn't take leave I'd be covered cause of the hotel's cancellation policy. Thats what I was told. This a horrible rip off of a situation. At the very least I should be fully refunded. Which would only make me slightly less up set. I can't go on this trip. Cause of an event. Either this is a travel insurance company or it is a company that takes your money and insures very little to nothing. In my opinion it is the latter. I want everyone to be aware of that. There are channels on base I will be advertising all of the above correspondences. Outlining the fact that if you can't go on a trip due to deploying or possibility of deploying your not covered. I will always blog on every DoD website. Military website, Facebook page I can. I hate when insurance companies take your money selling you piece of mind and do whatever they can to not cover you.
Regards,
[redacted]