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 do not suffer from an anxiety disorder, a crises caused me to experience acute anxiety for a period of time. This happened to occurred at the time my trip was schedule to take place. If a family member were to have passed away and I suffered acute anxiety are you saying C S A would not have covered that? I was sold this insurance though an agent with [redacted], I was not given the choice to purchase [redacted]. I spoke to [redacted] and they said their insurance would have covered these circumstances. They could not believe C S A had denied my claim.
We can keeping going back and forth and not accomplish anything. I resent your saying I suffer from an anxiety disorder!! The problem is you don't want to pay the claim, you don' make money by paying claims. I will not let this go, I believe the $1900. is due me. My five travel buddies are very disappointed in the way C S A has handled this claim, they feel as good lesson has been learned. You have to check out the insurance company very carefully before purchasing travel insurance, all companies are not alike.
Thank You
,[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 9/27/16, notifying us of the complaint filed by [redacted].
[redacted] booked an airline ticket from Buffalo, New York to London, scheduled to depart on 8/29/16. The travel insurance plan was purchased on 8/17/16. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him. The trip was canceled on 8/29/16, because Mr. [redacted] did not have possession of the passport and visa necessary to take this trip.
The policy only provides benefits for a trip cancellation that results from one of the specific Covered Events listed in the plan. The failure to have the proper travel documents is not one of the plan's Covered Events. Therefore, we must reaffirm our original decision that no benefits are payable for this claim.
If you have any questions, please feel free to contact us at [redacted]2, by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted] Sr. Technical Claims Spécialist
c: [redacted]
[redacted] / Director of Claims
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 June 24, 2015, with the additional information submitted by Ms. [redacted].
Ms. [redacted] indicates that she did submit photos to us showing the stains on the linens. We do nothave any record of receiving the photos, but this would not have changed the claims decision.
This policy provides coverage for accidental damages caused by the named Insured. In thiscase, the named Insured, [redacted] has indicated that no one in her rental party wasresponsible for the damaged linens. As such, we must abide by our original decision and denycoverage for this claim.
If you have any questions, please feel free to contact us at [redacted], by email [email protected] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
cc: [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 9/22116, with additional information provided by Mr. [redacted].
Mr. [redacted] purchased the travel insurance plan on 7/12/16. At that time a Policy Confirmation Letter and Description of Coverage were emailed to him.
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.
In order to provide benefits for a Trip Cancellation, the reason for the cancellation must be one of the policy's listed Covered Events. The policy will provide benefits for "A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disasters. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order is issued. In order to cancel your Trip, you must have 4 days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends".
There was no mandatory evacuation order in place at Mr. [redacted]' travel destination when the trip was canceled.
We understand Mr. [redacted]' decision to cancel travel plans, but this choice was not due to one of the plan's Covered Events. We must adhere to the policy's terms and conditions, and therefore, find no benefits payable for this claim.
lf 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]
[redacted] / Director of Claims
Revdex.com OF SAN DIEGOATTN: [redacted]
Complaint ID [redacted]Claim Number: [redacted]Policy Number: [redacted]Travel Dates: April 22, 2015- May 10, 2015
Dear Ms. Govas: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 5/25/15 for a complaint filed by [redacted] on behalf of [redacted].On 6/29/14 a reservation was made for Ms. [redacted] through Affordable Tours for travel4/22/15 through 5/10/15. A confirmation of the arrangements was emailed to Mrs. [redacted] on11/19/14. The confirmation indicated that if you were traveling outside of the United States thattravel visas might be required for entry into foreign countries. It further states that acquiringvisas are the responsibility of the traveler. Ms. [redacted] did not obtain the necessary visas toenter a foreign country and was denied boarding by the airline. It appears that Ms. [redacted]also needed a visa for Germany and Italy which also were not obtained.
The policy purchased provides benefits for certain listed events that are outlined in the policythat was purchased. The confirmation and policy was emailed to Mrs. [redacted] on 7/1/14 toemail address [redacted]. The policy outlined the events that would providebenefits in the case of a trip cancellation or interruption. Unfortunately, not purchasing therequired visas to enter foreign countries is not a covered event in the policy. As such, we mustreaffirm our denial of benefits for Ms. [redacted].
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 numberis included with your response.
Sincerely,
[redacted]Claims Department Supervisor[redacted] Ext. [redacted]cc: [redacted]
[redacted]Director of Claims
These plans are administered by CSA Travel Protection and Insurance Services. Services areprovided through GSA's designated providers. Travel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) underPolicy/Certificate Form series T001. California is Underwritten by [redacted]S.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali- U.S. Branch, Oregon isUnderwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice- U.S.Branch.
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated December 17, 2014, with additional information from [redacted]
The property manager of the rental unit instructed [redacted] not to come to the property dueto the projected path of Hurricane Gonzalo. There was no mandatory evacuation, or publicofficial advisement of evacuation, in St. Croix.
The property owner confirmed that the unit was accessible and habitable during the scheduledtravel dates. The reason for the trip cancellation was not a covered reason that would allowpayment of benefits. Therefore, regretfully, we are unable to change our decision.
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
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated January 23, 2015, with additional information submitted by Ms. [redacted].
Ms. [redacted] has requested that the claim be reconsidered. We have reevaluated the file anddetermined that benefits can be afforded. The file will be reopened and payment for $235.00will be issued.
If you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-####.
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 March 31, 2016, with additional information submitted by Mrs. [redacted].
The Zika Virus is a public health risk in certain areas and we understand Mrs. [redacted]'s choice to cancel her trip. In order to qualify for Trip Cancellation Benefits under the travel insurance plan purchased, the reason for the trip cancellation must be one of the 21 Covered Events listed in the policy. The fear of contracting the Zika Virus is not one of the policy's Covered Events.
We have not denied this claim due to a Pre-Existing Condition, nor have we quoted policy language regarding a Pre-Existing Condition. The claim was denied because there is no evidence of any Sickness that first commenced "while your coverage was in effect under the Policy, must require in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip".
The plan does provide coverage for "Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased."
There is no indication that any vaccination or inoculation that is required to enter any of the countries where Mrs. [redacted] was scheduled to travel, were announced or published after the policy was purchased. Any vaccination requirements for entry into a country of their destination were already in place prior to the policy purchase. Mrs. [redacted] references travel to India, but based on the trip itinerary, they were not scheduled to travel to India during this trip.
A Zika Virus vaccine is being worked on by Bharat Biotech International. It is a potential candidate for a vaccine that is entering clinical pre-trials in animals and will take months before human testing is conducted.
We must reaffirm our decision that no benefits are payable 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]
Claims Department
[redacted] Ext. [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 July 29, 2016, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] rented her property to [redacted] with scheduled travel dates of February 23, 2016 to March 31, 2016. The travel protection plan was purchased by Mr. [redacted] on January 28, 2016. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him.
On June 20, 2016, we received claim documentation from Ms. [redacted] stating that Mr. [redacted] had damaged the kitchen countertop. There was a small burn hole on one portion of the laminate countertop. Ms. [redacted] has provided a repair estimate to replace all of the countertops in the kitchen, and claims $3,643.00.
The travel protection plan 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 cost to replace the property, up to the amount shown in the Schedule."
The policy provides benefits only for damaged real or personal property. We can only provide coverage to repair the portion of the countertop that was damaged by Mr. [redacted]. This policy does not cover the cost for Ms. [redacted] to replace all of the countertops in her kitchen.
At this time, we are waiting for Ms. [redacted] to provide us with an invoice or estimate to repair the section of the countertop that was damaged. Upon receipt, we will proceed with the claims processing.
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 Spedialist
cc: Generali U.S. Branch
[redacted] / Director of Claims
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
The company has sent us checks, for $200 each.
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 22, 2016, with additional information submitted by Mr. [redacted].
The letter from Mrs. [redacted]'s doctor indicated that she should not fly, and did not provide a diagnosis other than pregnancy. We have not received information about any other medical condition that may have caused the trip to be canceled.
We must still confirm that all policy requirements have been met, including ruling out any applicable exclusion, such as "normal pregnancy". In order to do so, we must contact Mrs. [redacted]'s doctor for medical documentation. We need a completed Patient Authorization form from Mrs. [redacted] to continue processing 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]
Sr. Technical Claims Specialist
cc: [redacted] / Director of Claims
This company is the biggest scam. DO NOT go through CSA. Our company had offered CSA damage and travel insurance through CSA for a few years. For the first time, a guest left a home extremely filthy, broke items and stole items. We filed our fist claim. CSA contacted the guest. Not only did we start getting harrassing calls from the guest, CSA refuses to pay the over $400. in damage. CSA stated a guest has to admit to doing the damage for us to get reimbursed. We filed photo evidence of the damage done to the home and they claim that was not enough proof and nothing can be done uless the guest admits to the damage and theft. Give me a break. Needless to say, we will never use CSA again and implore you to do the same. I can't believe the scam CSA is pulling is legal, or is it?
VRBO/HOMEAWAY Owners: BUYER BEWARE! Owners who think this is a great option to protect their home in lieu of charging high security deposits: Think Again! You are not CSA's client and, in my claims situation, all it took was for the renter to say "We didn't do it." That's it. Of course when you hit that button to send this company $$ you don't see that. Only that your home is covered up to a specific amount from damages. I had an after photo, amount from invoice and provided claim from my cleaner. Nope. According to my claims rep, the guest denied any damage. As an experienced owner of rental units, guests do not admit to damage. It's just the nature of the beast and why we thought CSA would be a good, hassle free option. This company was anything but.
Bottom Line: By clicking the CSA insurance button, most likely all you are doing is adding to the company's bank account. Fortunately this was not an expensive claim, and I consider myself lucky my lesson learned was not a huge hit to the wallet. I have removed the CSA insurance option off my VRBO pages and changed the deposit process for my rentals. I will never consider this company again.
[redacted] I Revdex.com OF SAN DIEGO November 14, 2014
4747 VIEWRIDGE AVE #200
SAN DIEGO, CA 92123
[redacted] #[redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel...
Dates: November 14, 2014- November 22, 2014
Dear Ms. [redacted]:
GSA 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 notifying us of the complaint filed by Ms.
[redacted].
Ms. [redacted] booked a cruise and purchased the travel insurance plan on October 01,2014. She canceled the trip
on October 16, 2014, due to the death of a family member and expenses that she had Incurred due to that death.
The family member's death occurred on September 05, 2014.
The policy purchased provides benefits for a trip cancellation due to a family member death when the death occurs
while the policy is in effect "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 ... Covered Events: 1. The
Sickness, Injury or death of you, your Family Member".
Coverage is also subject to the plan's GENERAL EXCLUSIONS:
"1. We will not pay for any loss under this Policy, caused by, or resulting !roms. a loss that results from an illness,
disease, or other condition, event or circumstance which occurs at a time when coverage Is not in effect for you".
The death of Ms. [redacted]'s family member occurred prior to the policy effective date and is, therefore, excluded
from coverage. Also, a cancellation due to financial circumstances is not one of the plan's Covered Events. As
such, we must reaffirm our denial of this 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
by the business in reference to complaint ID [redacted], and have provided the following claim detail that needs to be reviewed by CSA:
[redacted] claim totaling $1,594.39
[redacted] claim totaling $265.80
[redacted] Haven claim totaling $203.09
We were never
We have repeatedly requested that CSA update our current mailing address to [redacted]. The old mailing address of [redacted] should not be used any longer.
Regards,
[redacted]
CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was purchased. We are in receipt of your email dated July 14,2016, notifying us of thecomplaint filed by Ms. [redacted].
Ms. [redacted] booked airline tickets through Justfly.com and...
purchased the travel insurance planon April 11, 2016. At that time a Policy Confirmation Letter and Description of Coverage,outlining the plan's coverage and coverage restrictions, were emailed to her. On June 19, 2016,Ms. [redacted] missed her flight home from Lisbon due to communication issues with the airportand airline staff. She purchased new airline tickets to return home the following day.The policy provides coverage for Post-Departure Trip Interruption Benefits only for the specificreasons listed in the plan. Unfortunately, the reason that Ms. [redacted] missed her original flighthome is not one of the events that would allow payment of benefits. A copy of the PolicyConfirmation Letter and Description of Coverage are enclosed for your review.
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 numberis included with your response.
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 9/27/16, with additional information from Ms[redacted].
According to the information obtained, Ms[redacted] originally booked travel to Hawaii from 1/24/16 to 2/08/16. This booking was canceled on 12/11/15, due to the fear of contracting an illness. The policy provides benefits only for a cancellation due to one of the plan's listed Covered Events. The fear of becoming ill is not one of the plan's Covered Events. Therefore, if Ms[redacted] had filed a claim for this loss, there would have been no coverage and the claim would have been denied. Ms[redacted] was medically able to travel to Hawaii in January, based on medical records submitted to us for her subsequent claim.
On 1/14/16, the rental Company, as a courtesy, allowed Ms[redacted] to use the house for a later trip in June 2016. The June trip was canceled on 2/18/16, 112 days prior to her scheduled arrival at the rental property. A new policy was not purchased to cover the new June travel dates. However, upon receipt of Ms[redacted]'s claim, as a customer service gesture we revised her policy covering the January to February travel dates to show the new June travel dates. Otherwise, there would have been no policy in force for the June travel dates.
The claim was processed and based on the travel insurance plan's terms and conditions, and the published cancellation policy of the rental company, we issued payment to Ms[redacted] for $150.00. As previously stated, the remaining refund should be issued by the rental company in order to comply with their contract with Ms[redacted].
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
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.
In the brochure that I received from New River Retreat, Guest Protection Plan, safeguard your trip with CSA travel protection. The first 2 sentences state "Before you go, Unable to travel due to a cold? No problem!" These sentences indicate that a cold is covered, therefore I would think that the attenpted suicide of my son with a 1 week long psychiatric hospitalization stay would be covered! You have received a statement from his psychiatrist stating, My son's name, "made a serious suicide attempt 9/6/14 just prior to hospitalization and he has been started on medication but requires adult supervision and guidance to ensure safty and ongoing treatment. He also stated "that my son needs supervision for at least 30 days." I expect a full refund!
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.
Ms. [redacted],
A claim has not been submitted regarding our loss because when I called and spoke with [redacted] on March 25, 2015 he said we weren't covered and would not send us a claim form or tell us where we could locate one.
My husband and I are currently busy making funeral plans for his mother and taking care of his 87 year old father but when we have the time, we will once again read the policy we purchased. We have read it several times and are still a bit annoyed at your company and its misleading advertising. The statement you must be referring to is: ..."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...". I that correct? If you are standing by your misleading advertising it appears that we would be wasting our time and energy during this difficult time filling out the forms and obtaining the necessary Hospice and death certificate papers.
There is no way we can ever recommend your products to anyone because of your misleading advertising on the VRBO website. Neither of you want to take responsibility for those statements and you point fingers at the other company. After reading many complaints regarding your company on the Revdex.com website we wish we had investigated your company before purchasing either this Travel Insurance Policy or the Property Damage Protection policy. We haven't a clue how the Revdex.com can still rate you an A+ company.
Regards,
[redacted]
Dear Ms. [redacted];
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was selected. We are in receipt of your email dated March 18, 2016, with additional information submitted by Mr. [redacted].
Mr. [redacted] indicates that he spoke with [redacted] at [redacted] and they approved his request. According to a telephone call with [redacted], when Mr. [redacted] called to cancel the booking, she gave him our contact information so that he could file his claim. [redacted] stated that no guarantee of coverage was provided.
No claims can be pre-approved by the rental company or our customer service department. The claims determination is made after we have received all of the supporting documentation. In this instance, the winter storm that resulted in the trip cancellation had been named by weather officials two days prior to the purchase of the insurance. The winter storm event was not unforeseen at the time of the insurance purchase as required for coverage to be granted. As such, we are unable to pay this 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. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims 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 do not suffer from an anxiety disorder, a crises caused me to experience acute anxiety for a period of time. This happened to occurred at the time my trip was schedule to take place. If a family member were to have passed away and I suffered acute anxiety are you saying C S A would not have covered that? I was sold this insurance though an agent with [redacted], I was not given the choice to purchase [redacted]. I spoke to [redacted] and they said their insurance would have covered these circumstances. They could not believe C S A had denied my claim.
We can keeping going back and forth and not accomplish anything. I resent your saying I suffer from an anxiety disorder!! The problem is you don't want to pay the claim, you don' make money by paying claims. I will not let this go, I believe the $1900. is due me. My five travel buddies are very disappointed in the way C S A has handled this claim, they feel as good lesson has been learned. You have to check out the insurance company very carefully before purchasing travel insurance, all companies are not alike.
Thank You
,[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 9/27/16, notifying us of the complaint filed by [redacted].
[redacted] booked an airline ticket from Buffalo, New York to London, scheduled to depart on 8/29/16. The travel insurance plan was purchased on 8/17/16. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him. The trip was canceled on 8/29/16, because Mr. [redacted] did not have possession of the passport and visa necessary to take this trip.
The policy only provides benefits for a trip cancellation that results from one of the specific Covered Events listed in the plan. The failure to have the proper travel documents is not one of the plan's Covered Events. Therefore, we must reaffirm our original decision that no benefits are payable for this claim.
If you have any questions, please feel free to contact us at [redacted]2, by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted] Sr. Technical Claims Spécialist
c: [redacted]
[redacted] / Director of Claims
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 June 24, 2015, with the additional information submitted by Ms. [redacted].
Ms. [redacted] indicates that she did submit photos to us showing the stains on the linens. We do nothave any record of receiving the photos, but this would not have changed the claims decision.
This policy provides coverage for accidental damages caused by the named Insured. In thiscase, the named Insured, [redacted] has indicated that no one in her rental party wasresponsible for the damaged linens. As such, we must abide by our original decision and denycoverage for this claim.
If you have any questions, please feel free to contact us at [redacted], by email [email protected] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
cc: [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 9/22116, with additional information provided by Mr. [redacted].
Mr. [redacted] purchased the travel insurance plan on 7/12/16. At that time a Policy Confirmation Letter and Description of Coverage were emailed to him.
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.
In order to provide benefits for a Trip Cancellation, the reason for the cancellation must be one of the policy's listed Covered Events. The policy will provide benefits for "A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disasters. We will only pay benefits for losses occurring within 30 calendar days after the evacuation order is issued. In order to cancel your Trip, you must have 4 days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends".
There was no mandatory evacuation order in place at Mr. [redacted]' travel destination when the trip was canceled.
We understand Mr. [redacted]' decision to cancel travel plans, but this choice was not due to one of the plan's Covered Events. We must adhere to the policy's terms and conditions, and therefore, find no benefits payable for this claim.
lf 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]
[redacted] / Director of Claims
Revdex.com OF SAN DIEGOATTN: [redacted]
Complaint ID [redacted]Claim Number: [redacted]Policy Number: [redacted]Travel Dates: April 22, 2015- May 10, 2015
Dear Ms. Govas: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 5/25/15 for a complaint filed by [redacted] on behalf of [redacted].On 6/29/14 a reservation was made for Ms. [redacted] through Affordable Tours for travel4/22/15 through 5/10/15. A confirmation of the arrangements was emailed to Mrs. [redacted] on11/19/14. The confirmation indicated that if you were traveling outside of the United States thattravel visas might be required for entry into foreign countries. It further states that acquiringvisas are the responsibility of the traveler. Ms. [redacted] did not obtain the necessary visas toenter a foreign country and was denied boarding by the airline. It appears that Ms. [redacted]also needed a visa for Germany and Italy which also were not obtained.
The policy purchased provides benefits for certain listed events that are outlined in the policythat was purchased. The confirmation and policy was emailed to Mrs. [redacted] on 7/1/14 toemail address [redacted]. The policy outlined the events that would providebenefits in the case of a trip cancellation or interruption. Unfortunately, not purchasing therequired visas to enter foreign countries is not a covered event in the policy. As such, we mustreaffirm our denial of benefits for Ms. [redacted].
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 numberis included with your response.
Sincerely,
[redacted]Claims Department Supervisor[redacted] Ext. [redacted]cc: [redacted]
[redacted]Director of Claims
These plans are administered by CSA Travel Protection and Insurance Services. Services areprovided through GSA's designated providers. Travel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) underPolicy/Certificate Form series T001. California is Underwritten by [redacted]S.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali- U.S. Branch, Oregon isUnderwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice- U.S.Branch.
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated December 17, 2014, with additional information from [redacted]
The property manager of the rental unit instructed [redacted] not to come to the property dueto the projected path of Hurricane Gonzalo. There was no mandatory evacuation, or publicofficial advisement of evacuation, in St. Croix.
The property owner confirmed that the unit was accessible and habitable during the scheduledtravel dates. The reason for the trip cancellation was not a covered reason that would allowpayment of benefits. Therefore, regretfully, we are unable to change our decision.
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
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated January 23, 2015, with additional information submitted by Ms. [redacted].
Ms. [redacted] has requested that the claim be reconsidered. We have reevaluated the file anddetermined that benefits can be afforded. The file will be reopened and payment for $235.00will be issued.
If you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-####.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
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 March 31, 2016, with additional information submitted by Mrs. [redacted].
The Zika Virus is a public health risk in certain areas and we understand Mrs. [redacted]'s choice to cancel her trip. In order to qualify for Trip Cancellation Benefits under the travel insurance plan purchased, the reason for the trip cancellation must be one of the 21 Covered Events listed in the policy. The fear of contracting the Zika Virus is not one of the policy's Covered Events.
We have not denied this claim due to a Pre-Existing Condition, nor have we quoted policy language regarding a Pre-Existing Condition. The claim was denied because there is no evidence of any Sickness that first commenced "while your coverage was in effect under the Policy, must require in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip".
The plan does provide coverage for "Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverage. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased."
There is no indication that any vaccination or inoculation that is required to enter any of the countries where Mrs. [redacted] was scheduled to travel, were announced or published after the policy was purchased. Any vaccination requirements for entry into a country of their destination were already in place prior to the policy purchase. Mrs. [redacted] references travel to India, but based on the trip itinerary, they were not scheduled to travel to India during this trip.
A Zika Virus vaccine is being worked on by Bharat Biotech International. It is a potential candidate for a vaccine that is entering clinical pre-trials in animals and will take months before human testing is conducted.
We must reaffirm our decision that no benefits are payable 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]
Claims Department
[redacted] Ext. [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 July 29, 2016, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] rented her property to [redacted] with scheduled travel dates of February 23, 2016 to March 31, 2016. The travel protection plan was purchased by Mr. [redacted] on January 28, 2016. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him.
On June 20, 2016, we received claim documentation from Ms. [redacted] stating that Mr. [redacted] had damaged the kitchen countertop. There was a small burn hole on one portion of the laminate countertop. Ms. [redacted] has provided a repair estimate to replace all of the countertops in the kitchen, and claims $3,643.00.
The travel protection plan 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 cost to replace the property, up to the amount shown in the Schedule."
The policy provides benefits only for damaged real or personal property. We can only provide coverage to repair the portion of the countertop that was damaged by Mr. [redacted]. This policy does not cover the cost for Ms. [redacted] to replace all of the countertops in her kitchen.
At this time, we are waiting for Ms. [redacted] to provide us with an invoice or estimate to repair the section of the countertop that was damaged. Upon receipt, we will proceed with the claims processing.
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 Spedialist
cc: Generali U.S. Branch
[redacted] / Director of Claims
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
The company has sent us checks, for $200 each.
Thank you!
[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 April 22, 2016, with additional information submitted by Mr. [redacted].
The letter from Mrs. [redacted]'s doctor indicated that she should not fly, and did not provide a diagnosis other than pregnancy. We have not received information about any other medical condition that may have caused the trip to be canceled.
We must still confirm that all policy requirements have been met, including ruling out any applicable exclusion, such as "normal pregnancy". In order to do so, we must contact Mrs. [redacted]'s doctor for medical documentation. We need a completed Patient Authorization form from Mrs. [redacted] to continue processing 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]
Sr. Technical Claims Specialist
cc: [redacted] / Director of Claims
This company is the biggest scam. DO NOT go through CSA. Our company had offered CSA damage and travel insurance through CSA for a few years. For the first time, a guest left a home extremely filthy, broke items and stole items. We filed our fist claim. CSA contacted the guest. Not only did we start getting harrassing calls from the guest, CSA refuses to pay the over $400. in damage. CSA stated a guest has to admit to doing the damage for us to get reimbursed. We filed photo evidence of the damage done to the home and they claim that was not enough proof and nothing can be done uless the guest admits to the damage and theft. Give me a break. Needless to say, we will never use CSA again and implore you to do the same. I can't believe the scam CSA is pulling is legal, or is it?
VRBO/HOMEAWAY Owners: BUYER BEWARE! Owners who think this is a great option to protect their home in lieu of charging high security deposits: Think Again! You are not CSA's client and, in my claims situation, all it took was for the renter to say "We didn't do it." That's it. Of course when you hit that button to send this company $$ you don't see that. Only that your home is covered up to a specific amount from damages. I had an after photo, amount from invoice and provided claim from my cleaner. Nope. According to my claims rep, the guest denied any damage. As an experienced owner of rental units, guests do not admit to damage. It's just the nature of the beast and why we thought CSA would be a good, hassle free option. This company was anything but.
Bottom Line: By clicking the CSA insurance button, most likely all you are doing is adding to the company's bank account. Fortunately this was not an expensive claim, and I consider myself lucky my lesson learned was not a huge hit to the wallet. I have removed the CSA insurance option off my VRBO pages and changed the deposit process for my rentals. I will never consider this company again.
[redacted] I Revdex.com OF SAN DIEGO November 14, 2014
4747 VIEWRIDGE AVE #200
SAN DIEGO, CA 92123
[redacted] #[redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel...
Dates: November 14, 2014- November 22, 2014
Dear Ms. [redacted]:
GSA 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 notifying us of the complaint filed by Ms.
[redacted].
Ms. [redacted] booked a cruise and purchased the travel insurance plan on October 01,2014. She canceled the trip
on October 16, 2014, due to the death of a family member and expenses that she had Incurred due to that death.
The family member's death occurred on September 05, 2014.
The policy purchased provides benefits for a trip cancellation due to a family member death when the death occurs
while the policy is in effect "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 ... Covered Events: 1. The
Sickness, Injury or death of you, your Family Member".
Coverage is also subject to the plan's GENERAL EXCLUSIONS:
"1. We will not pay for any loss under this Policy, caused by, or resulting !roms. a loss that results from an illness,
disease, or other condition, event or circumstance which occurs at a time when coverage Is not in effect for you".
The death of Ms. [redacted]'s family member occurred prior to the policy effective date and is, therefore, excluded
from coverage. Also, a cancellation due to financial circumstances is not one of the plan's Covered Events. As
such, we must reaffirm our denial of this 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:
[redacted]/ Director of Claims
Revdex.com:
I have reviewed the response made...
by the business in reference to complaint ID [redacted], and have provided the following claim detail that needs to be reviewed by CSA:
[redacted] claim totaling $1,594.39
[redacted] claim totaling $265.80
[redacted] Haven claim totaling $203.09
We were never
We have repeatedly requested that CSA update our current mailing address to [redacted]. The old mailing address of [redacted] should not be used any longer.
Regards,
[redacted]
CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was purchased. We are in receipt of your email dated July 14,2016, notifying us of thecomplaint filed by Ms. [redacted].
Ms. [redacted] booked airline tickets through Justfly.com and...
purchased the travel insurance planon April 11, 2016. At that time a Policy Confirmation Letter and Description of Coverage,outlining the plan's coverage and coverage restrictions, were emailed to her. On June 19, 2016,Ms. [redacted] missed her flight home from Lisbon due to communication issues with the airportand airline staff. She purchased new airline tickets to return home the following day.The policy provides coverage for Post-Departure Trip Interruption Benefits only for the specificreasons listed in the plan. Unfortunately, the reason that Ms. [redacted] missed her original flighthome is not one of the events that would allow payment of benefits. A copy of the PolicyConfirmation Letter and Description of Coverage are enclosed for your review.
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 numberis included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
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 9/27/16, with additional information from Ms[redacted].
According to the information obtained, Ms[redacted] originally booked travel to Hawaii from 1/24/16 to 2/08/16. This booking was canceled on 12/11/15, due to the fear of contracting an illness. The policy provides benefits only for a cancellation due to one of the plan's listed Covered Events. The fear of becoming ill is not one of the plan's Covered Events. Therefore, if Ms[redacted] had filed a claim for this loss, there would have been no coverage and the claim would have been denied. Ms[redacted] was medically able to travel to Hawaii in January, based on medical records submitted to us for her subsequent claim.
On 1/14/16, the rental Company, as a courtesy, allowed Ms[redacted] to use the house for a later trip in June 2016. The June trip was canceled on 2/18/16, 112 days prior to her scheduled arrival at the rental property. A new policy was not purchased to cover the new June travel dates. However, upon receipt of Ms[redacted]'s claim, as a customer service gesture we revised her policy covering the January to February travel dates to show the new June travel dates. Otherwise, there would have been no policy in force for the June travel dates.
The claim was processed and based on the travel insurance plan's terms and conditions, and the published cancellation policy of the rental company, we issued payment to Ms[redacted] for $150.00. As previously stated, the remaining refund should be issued by the rental company in order to comply with their contract with Ms[redacted].
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
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.
In the brochure that I received from New River Retreat, Guest Protection Plan, safeguard your trip with CSA travel protection. The first 2 sentences state "Before you go, Unable to travel due to a cold? No problem!" These sentences indicate that a cold is covered, therefore I would think that the attenpted suicide of my son with a 1 week long psychiatric hospitalization stay would be covered! You have received a statement from his psychiatrist stating, My son's name, "made a serious suicide attempt 9/6/14 just prior to hospitalization and he has been started on medication but requires adult supervision and guidance to ensure safty and ongoing treatment. He also stated "that my son needs supervision for at least 30 days." I expect a full refund!
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.
Ms. [redacted],
A claim has not been submitted regarding our loss because when I called and spoke with [redacted] on March 25, 2015 he said we weren't covered and would not send us a claim form or tell us where we could locate one.
My husband and I are currently busy making funeral plans for his mother and taking care of his 87 year old father but when we have the time, we will once again read the policy we purchased. We have read it several times and are still a bit annoyed at your company and its misleading advertising. The statement you must be referring to is: ..."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...". I that correct? If you are standing by your misleading advertising it appears that we would be wasting our time and energy during this difficult time filling out the forms and obtaining the necessary Hospice and death certificate papers.
There is no way we can ever recommend your products to anyone because of your misleading advertising on the VRBO website. Neither of you want to take responsibility for those statements and you point fingers at the other company. After reading many complaints regarding your company on the Revdex.com website we wish we had investigated your company before purchasing either this Travel Insurance Policy or the Property Damage Protection policy. We haven't a clue how the Revdex.com can still rate you an A+ company.
Regards,
[redacted]
Dear Ms. [redacted];
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was selected. We are in receipt of your email dated March 18, 2016, with additional information submitted by Mr. [redacted].
Mr. [redacted] indicates that he spoke with [redacted] at [redacted] and they approved his request. According to a telephone call with [redacted], when Mr. [redacted] called to cancel the booking, she gave him our contact information so that he could file his claim. [redacted] stated that no guarantee of coverage was provided.
No claims can be pre-approved by the rental company or our customer service department. The claims determination is made after we have received all of the supporting documentation. In this instance, the winter storm that resulted in the trip cancellation had been named by weather officials two days prior to the purchase of the insurance. The winter storm event was not unforeseen at the time of the insurance purchase as required for coverage to be granted. As such, we are unable to pay this 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. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist