CSA Travel Protection is a SCAM...never sent a policy to me to know what was covered. When submitted a valid medical reason for having to cancel a trip, it was denied. They ally advertise that medical reasons are covered and would not refund my money. I have seen more than enough reviews stating similar situations for others. Do not buy insurance from this company!
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 December 06, 2015, with the additional information submitted by Ms. [redacted].
Ms. [redacted] questions why the policy purchase was allowed and feels she is being treated unfairly in this matter. The policy was purchased through our website on May 15, 2015, and there are no pre-qualifications or medical information requirements at the time of purchase. At the time of purchase the Description of Coverage, outlining the plan's coverage and coverage restrictions, was emailed to Ms. [redacted] for her review. There was a 10-day free look period to determine if the plan would meet her needs, and she could have requested the policy be canceled with a full plan cost refund at that time.
Coverage for claims is made after we receive all documents necessary to determine if benefits are payable. Our Customer Service Department answers general questions and will assist with completing claim forms, but they do not predetermine or guarantee payment of any claim.
We obtained the medical records and determined that this loss resulted from an illness that occurred prior to the effective date, and the family member's passing could have been reasonably foreseen or expected when the plan was purchased. These events are specifically excluded from coverage. As such, regretfully, we find that no benefits can be paid 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]
[redacted]t
CC: [redacted]
[redacted] / [redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the...
administrator of the travel protection plan that was selected. We are in receipt of your email dated 9/20/16, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a rental reservation to travel to Florida for travel dates of August 30 through September 4, 2016. Mr. [redacted] cancelled his reservation on August 29, 2016 due to travel advisories for Tropical Storm Hermine.
The policy purchased provides benefits for Trip Cancellation due to the listed covered events in the policy. Specifically, the policy states it will cover: "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;..."
When Mr. [redacted] cancelled his reservation, there were no mandatory evacuation orders in place for his travel destination. The policy does not provide coverage for cancellations due to travel advisories. As such, 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]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Claims Department Supervisor
[redacted] Ext. [redacted]
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 09, 2016, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] purchased the travel protection plan on February 24, 2016. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her. She canceled the trip on February 26, 2016, due to her illness.
The policy provides trip cancellation benefits due to an illness when certain requirements are met:
"Pre-Departure Trip Cancellation Benefits
If you are prevented from taking your Trip for one of the covered reasons below, we will reimburse you, up to the amount in the Schedule, for the amount of prepaid, forfeited, nonrefundable payments or deposits that you paid for your Trip."
"Reasons for Cancellation and Interruption:
The following reasons apply to you, a Family Member, or a Traveling Companion and must occur while coverage is in effect:
1. Trip Cancellation or delayed arrival at your destination due to Sickness, Injury or death of you, your Family Member, Traveling Companion, or Business Partner that occurs before departure on your Trip. 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."
As defined by the policy "SICKNESS means an illness or disease of the body, which requires examination and treatment by a Physician."
According to the information obtained from Ms. [redacted]'s doctor, she did not seek in-person examination by a Physician at the time of the Trip Cancellation. Policy requirements that would allow payment of benefits were not met. We must adhere to the terms and conditions set forth in the policy, and therefore, must reaffirm our denial of this claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: [redacted] / Director of Claims
Dear Ms. [redacted]:
13.3333333333333px; font-family: Arial; background: transparent;">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 01, 2015, notifying us of the complaint filed by Mr. [redacted].
On June 06, 2015, Mr. [redacted] booked and paid for a trip to Australia with scheduled travel dates of August 19, 2015 to August 30, 2015. The travel insurance plan was purchased on July 02, 2015, with a trip cancellation coverage effective date of July 03, 2015. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him. Mr. [redacted] canceled the trip on July 06, 2015, stating that he was moving to [redacted] to start a new job.
The policy provides trip cancellation benefits "for certain unforeseeable events that occur while your coverage is in effect." As shown under the plan's covered reasons for Pre-Departure Trip Cancellation Benefits, "The following reasons apply to you, a Family Member traveling with you, or a Traveling Companion and must occur while coverage is in effect... a transfer of employment of 250 miles or more".
In order to confirm that this transfer of employment occurred while coverage was in effect, from July 03, 2015 to July 06, 2015, we need additional information from the school in [redacted]. We need written confirmation from the School that the application and acceptance of the transfer occurred after the policy effective date. Mr. [redacted] should be able to provide us with a copy of the letter he received from the school confirming the date he was accepted as a teacher. Upon receipt of this documentation, we will continue to process 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]
[redacted]
cc: [redacted] / [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.
Regards,
[redacted]
The information that CSA has provided is totally false. These are lies!!!
In addition, I never received $222.12 which CSA seems to be claiming to have sent to me; nor would this amount satisfy me, because it's not supposed to be a compensation for my "unusual hours" (?!!!). My trip was totally interrupted by my serious illness, and CSA, claiming not to be a travel protection company,
provided no help to me whatsoever, therefore, violating the Contract Terms and Conditions. Moreover, they continue to lie about all the facts of their fraudulent activities. I AM SUPPOSED TO RECEIVE THE MAXIMUM AMOUNT OF TRIP INTERRUPTION / BREACH OF CONTRACT BENEFIT FROM CSA.
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.
Dear Sirs:
We are not in agreement with the opinion of the Company.
Reasons:
1.- The events that took as a consequence the passing of my father where never foreseen.
2.- We even where thinking in using the trip as planned if his condition would be improved and stable.
3.- When he entered the hospital was (as many other times in the past) for a check up and another of the multiple blood transfusions.
4.- The Doctors informed us that he could be there at the hospital for next weeks of month depending on his reactions to treatment.
5.- The (The Doctors) offered us several scenarios for treatment:
A. Continue with blood transfusions at hospital.
B. Continue with same transfusions from home and bring him to Hospital every week.
C. Hospice service at home to help with procedures.
6.- We where investigating all the options in the period he was at the hospital. My father was 100% alert and we had conversations and in apparent good health.
7.- The Doctors informed us, that the options given where not good options any more: Why?? Because the blood transfusions where causing pain and they did not recommend us to continue in that avenue.
8.- We insisted, regardless of pain , and we discussed this with my father.
9.- The Doctors said if we wanted to do that had to be only form home, so we started to accommodate that option and organized the system with Sunrise , The Home Care Institution where my father was living.
10.- Was not simple because of logistics and transfers , to and from to Hospital.
11.- The Doctors said : We know he came to continue with transfusions and we want to provide that, buy the exams are now saying that even if we continue with the transfusions they will not help much, because was not accepting the new blood as well as before….
12.- They mentioned he was entering a terminal phase, this was devastating and we knew this only much later than the insurance was bought and of course was never foreseen.
13.- Doctors recommended to change him to a Paliative Care Unit where they said he could be there for weeks of months, hard to say …… The result was that he passed away just a few days after, I even traveled back for family reasons and when I come back was for the funeral.
So, this description reveal why we can´t be in agreement with the Company opinion, we bought an Insurance, we did not wanted to use it, we where planning to go on the trip, we asked about the remote possibility of death, and they answered : “you are covered in that event “.
No payment brings back my Father, but it is a wrong recourse from the Company to describe that “We foresaw the death”…, not true, and the doctors did not knew that either, and the description of events prove that.
We say this in honor of true and in honor of My Father.
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 July 25, 2016, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] booked a [redacted] cruise through [redacted] and made full payment for the trip on 10/21/15. The travel insurance plan was purchased on 10/28/15 with Trip Cancellation coverage commencing on 10/29/15. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her.
The trip was canceled on 10/30/15 due to roof damage to her home requiring repairs. The documentation provided, and per Ms. [redacted]'s customer complaint statement, the roof damage occurred prior to the 10/29/15 effective date of the policy.
The policy will provide "TRIP CANCELLATION BENEFIT...if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy."
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 from...s. 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; t. any issue or event that could have been reasonably foreseen or expected when you purchased the coverage."
The damage to the roof, and the knowledge that the roof required repairs, occurred before coverage began under this policy. The need for damage repairs was foreseen and expected prior to the purchase of the plan. Therefore, regretfully, 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], 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
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 July 27, 2016, with additional information provided by Ms. [redacted].
Ms. [redacted] has pointed out that the repairs to her damaged roof would need to take place during the time that she would have been on the scheduled cruise. The documentation provided for her claim included a letter from [redacted] indicating that they were contacted during the second week of October to inspect the damaged roof. It is unclear when this inspection occurred, but it was prior to the 10/26/15 and 10/27/15 emails between Ms. [redacted] and [redacted] of [redacted]. During these emails it was confirmed that the roof had been inspected by the roofer, was still leaking, and required repair as soon as possible.
Ms. [redacted] has also noted that we failed to include her grandmother's death in our previous response. We apologize for not including this. According to the documentation provided to us, Ms. [redacted]'s grandmother passed away on 10/03/15.
Coverage for Trip Cancellation benefits under this policy began on 10/29/15. In order to provide benefits, the Covered Event must occur prior to the plan's effective date. Both the damage to the roof and the death of Ms. [redacted]'s grandmother occurred prior to the 10/29/15 effective date. Although the repairs to the roof would take place during the scheduled travel dates, the damage occurred before coverage began.
As previously stated, the policy will provide "TRIP CANCELLATION BENEFIT...if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy."
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 from...s. 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; t. any issue or event that could have been reasonably foreseen or expected when you purchased the coverage."
We must again deny benefits for this claim. If you have any questions, please feel free to contact us at (800) 541-3522, 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];
5pt;">CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased.
Ms. [redacted] booked a trip with the scheduled trip dates of September 15, 2015 to October 07, 2015. The travel insurance plan was purchased on August 15, 2015. At that time a Policy Confirmation Letter and a complete Description of Coverage, outlining the plan's coverages and coverage restrictions, were emailed to her.
Ms. [redacted] became ill during her trip and sought medical treatment on September 20, 2015. On September 26, 2015, she contacted our service provider, [redacted], herein referred to as EA, and stated she lost several days of sightseeing due to her illness,
During the telephone conversation between Ms. [redacted] and ** on September 26, 2015, she requested assistance locating an English speaking doctor in [redacted], Croatia, induired on how to file a trip interruption claim, and asked, if she does not start feeling well, would ** be able to help her with an airline ticket back to [redacted]. ** provided her with contact information for [redacted] Hospital, emailed her the requested trip interruption claim form, making it clear that all claim determinations were made by the claims department, and advised Ms. [redacted] that she would need to provide ** with a copy of the medical report prepared by her treating physician. Ms. [redacted] stated she first wanted to be seen by the doctor in [redacted] before sending us the required medical report. Please note the ** representative attempted to explain to Ms. [redacted] that ** is a service provider for CSA Travel Protection, but not the actual travel insurance company.
Approximately two hours after the initial telephone conversation between Ms. [redacted] and **, ** sent Ms. [redacted] an email stating they could arrange for a doctor's home visit, once she provided them with her current location. The following day, September 27, 2015, Ms. [redacted] replied stating she had already been seen at the [redacted] hospital and again requested the trip interruption claim forms. These forms were again emailed to Ms. [redacted] on September 28, 2015. On September 29, 2015, ** sent a follow-up email to Ms. [redacted] stating they could not authorize any further medical care, until they received the medical report from the treating physician for the medical treatment she had already received.
On October 02, 2015, ** received an email from Ms. [redacted] asking them to confirm receipt of the documents she emailed. Soon after, ** responded to Ms. [redacted] stating all documentation regarding her trip interruption claim would need to be sent to CSA Travel Protection directly. There was no further discussion regarding Ms. [redacted]'s desire to return home early. Nor did Ms. [redacted] provide ** with a copy of the medical report needed to determine if it was medically necessary for her to return home early due to her illness.
The plan purchased provides Emergency Assistance and Transportation coverage for: "Expenses incurred for non-emergency repatriation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America, when deemed medically necessary by the attending physician, subject to prior approval by Us or our authorized agent." As previously stated, because ** never received the requested medical report from Ms. [redacted] and since Ms. [redacted] only stated she wanted to return home if she did not start feeling better, with no further discussion of her wanting to return home early, no further action was taken by us or our authorized agent, **.
Additionally, the plan purchased provides trip interruption benefits for: "the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable . . . ." As Ms. [redacted] has confirmed she continued on her trip as scheduled, despite her illness, all of her travel arrangements were used. Therefore, we are unable to provide benefits for the trip interruption policy maximum.
Please note we have reached out to [redacted], Ms. [redacted]'s tour operator, to verify if she had any unused, prepaid tours in Croatia, Bosnia, and/or Herzegovina. On December 07, 2015, [redacted] Tours replied stating they are investigating the issue and they would respond to our request for information within 14 business days.
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 Specialist
cc; [redacted] / [redacted]
[redacted] I Revdex.com OF SAN DIEGO4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123
[redacted] #[redacted] I Insured: [redacted]Claim Number: [redacted]Policy Number: [redacted]
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S....
Branch as theadministrator of the travel protection plan that was selected. We are in receipt of your em aileddated November 15, 2014, notifying us of the complaint filed by [redacted] rented her property to [redacted] with scheduled travel dates of July 01,2014 to September 30, 2014. The Property Damage Protection coverage was purchased onMay 03, 2014. At that time, a Description of Coverage outlining the plan's coverage andcoverage restrictions was emailed to our Insured [redacted].
On September 26, 2014, we received claim documents from Ms. [redacted] indicating that Ms.[redacted] had damaged a sofa cushion, the keyless entry, towels, and the countertop. Ms.[redacted] also claimed a fee for extra cleaning of the property. The total amount claimed was$1,1 04.02. We contacted Ms. [redacted] to confirm that she and/or her guests had damaged theproperty. Ms. [redacted] denied causing any of the damage claimed.
Under the heading "VACATION RENTAL DAMAGE COVERAGE", it states "If you occupy anAccommodation and you damage the real or personal property assigned to thatAccommodation during the Trip, we will reimburse you the lesser of the cost of repairs or theActual Cash Value of the property, up to the amount shown in the Schedule."
Ms. [redacted] denied responsibility for the damages claimed. This policy only pays fordamages caused by the Insured or their guests. Therefore, the claim was denied.
Later, we were contacted by Ms. [redacted] and she confirmed that her party had caused thedamages that were claimed. The file was reopened and payment for $688.10 was issued to Ms.[redacted] on November 13, 2014, for 1 damaged sofa cushion, the repair cost for the keyless entryand the countertop, and the towels. There are no provisions in the policy to cover the cost ofadditional cleaning fees.
The complaint shows that Ms. [redacted] is claiming a disputed amount of $2,800.00. However, nodocuments were provided to us in support of this dollar amount.
If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
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 March 25, 2014, notifying us of the
complaint filed by Ms. [redacted].
We have reevaluated the file and...
determined that benefits for the cost of the airfare can be
afforded. We are waiting for Ms. [redacted] to contact us to review this matter.
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 is a SCAM...never sent a policy to me to know what was covered. When submitted a valid medical reason for having to cancel a trip, it was denied. They ally advertise that medical reasons are covered and would not refund my money. I have seen more than enough reviews stating similar situations for others. Do not buy insurance from this company!
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 December 06, 2015, with the additional information submitted by Ms. [redacted].
Ms. [redacted] questions why the policy purchase was allowed and feels she is being treated unfairly in this matter. The policy was purchased through our website on May 15, 2015, and there are no pre-qualifications or medical information requirements at the time of purchase. At the time of purchase the Description of Coverage, outlining the plan's coverage and coverage restrictions, was emailed to Ms. [redacted] for her review. There was a 10-day free look period to determine if the plan would meet her needs, and she could have requested the policy be canceled with a full plan cost refund at that time.
Coverage for claims is made after we receive all documents necessary to determine if benefits are payable. Our Customer Service Department answers general questions and will assist with completing claim forms, but they do not predetermine or guarantee payment of any claim.
We obtained the medical records and determined that this loss resulted from an illness that occurred prior to the effective date, and the family member's passing could have been reasonably foreseen or expected when the plan was purchased. These events are specifically excluded from coverage. As such, regretfully, we find that no benefits can be paid 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]
[redacted]t
CC: [redacted]
[redacted] / [redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the...
administrator of the travel protection plan that was selected. We are in receipt of your email dated 9/20/16, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a rental reservation to travel to Florida for travel dates of August 30 through September 4, 2016. Mr. [redacted] cancelled his reservation on August 29, 2016 due to travel advisories for Tropical Storm Hermine.
The policy purchased provides benefits for Trip Cancellation due to the listed covered events in the policy. Specifically, the policy states it will cover: "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;..."
When Mr. [redacted] cancelled his reservation, there were no mandatory evacuation orders in place for his travel destination. The policy does not provide coverage for cancellations due to travel advisories. As such, 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]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Claims Department Supervisor
[redacted] Ext. [redacted]
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 09, 2016, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] purchased the travel protection plan on February 24, 2016. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her. She canceled the trip on February 26, 2016, due to her illness.
The policy provides trip cancellation benefits due to an illness when certain requirements are met:
"Pre-Departure Trip Cancellation Benefits
If you are prevented from taking your Trip for one of the covered reasons below, we will reimburse you, up to the amount in the Schedule, for the amount of prepaid, forfeited, nonrefundable payments or deposits that you paid for your Trip."
"Reasons for Cancellation and Interruption:
The following reasons apply to you, a Family Member, or a Traveling Companion and must occur while coverage is in effect:
1. Trip Cancellation or delayed arrival at your destination due to Sickness, Injury or death of you, your Family Member, Traveling Companion, or Business Partner that occurs before departure on your Trip. 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."
As defined by the policy "SICKNESS means an illness or disease of the body, which requires examination and treatment by a Physician."
According to the information obtained from Ms. [redacted]'s doctor, she did not seek in-person examination by a Physician at the time of the Trip Cancellation. Policy requirements that would allow payment of benefits were not met. We must adhere to the terms and conditions set forth in the policy, and therefore, must reaffirm our denial of this claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: [redacted] / Director of Claims
Dear Ms. [redacted]:
13.3333333333333px; font-family: Arial; background: transparent;">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 01, 2015, notifying us of the complaint filed by Mr. [redacted].
On June 06, 2015, Mr. [redacted] booked and paid for a trip to Australia with scheduled travel dates of August 19, 2015 to August 30, 2015. The travel insurance plan was purchased on July 02, 2015, with a trip cancellation coverage effective date of July 03, 2015. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him. Mr. [redacted] canceled the trip on July 06, 2015, stating that he was moving to [redacted] to start a new job.
The policy provides trip cancellation benefits "for certain unforeseeable events that occur while your coverage is in effect." As shown under the plan's covered reasons for Pre-Departure Trip Cancellation Benefits, "The following reasons apply to you, a Family Member traveling with you, or a Traveling Companion and must occur while coverage is in effect... a transfer of employment of 250 miles or more".
In order to confirm that this transfer of employment occurred while coverage was in effect, from July 03, 2015 to July 06, 2015, we need additional information from the school in [redacted]. We need written confirmation from the School that the application and acceptance of the transfer occurred after the policy effective date. Mr. [redacted] should be able to provide us with a copy of the letter he received from the school confirming the date he was accepted as a teacher. Upon receipt of this documentation, we will continue to process 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]
[redacted]
cc: [redacted] / [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.
Regards,
[redacted]
The information that CSA has provided is totally false. These are lies!!!
In addition, I never received $222.12 which CSA seems to be claiming to have sent to me; nor would this amount satisfy me, because it's not supposed to be a compensation for my "unusual hours" (?!!!). My trip was totally interrupted by my serious illness, and CSA, claiming not to be a travel protection company,
provided no help to me whatsoever, therefore, violating the Contract Terms and Conditions. Moreover, they continue to lie about all the facts of their fraudulent activities. I AM SUPPOSED TO RECEIVE THE MAXIMUM AMOUNT OF TRIP INTERRUPTION / BREACH OF CONTRACT BENEFIT FROM CSA.
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.
Dear Sirs:
We are not in agreement with the opinion of the Company.
Reasons:
1.- The events that took as a consequence the passing of my father where never foreseen.
2.- We even where thinking in using the trip as planned if his condition would be improved and stable.
3.- When he entered the hospital was (as many other times in the past) for a check up and another of the multiple blood transfusions.
4.- The Doctors informed us that he could be there at the hospital for next weeks of month depending on his reactions to treatment.
5.- The (The Doctors) offered us several scenarios for treatment:
A. Continue with blood transfusions at hospital.
B. Continue with same transfusions from home and bring him to Hospital every week.
C. Hospice service at home to help with procedures.
6.- We where investigating all the options in the period he was at the hospital. My father was 100% alert and we had conversations and in apparent good health.
7.- The Doctors informed us, that the options given where not good options any more: Why?? Because the blood transfusions where causing pain and they did not recommend us to continue in that avenue.
8.- We insisted, regardless of pain , and we discussed this with my father.
9.- The Doctors said if we wanted to do that had to be only form home, so we started to accommodate that option and organized the system with Sunrise , The Home Care Institution where my father was living.
10.- Was not simple because of logistics and transfers , to and from to Hospital.
11.- The Doctors said : We know he came to continue with transfusions and we want to provide that, buy the exams are now saying that even if we continue with the transfusions they will not help much, because was not accepting the new blood as well as before….
12.- They mentioned he was entering a terminal phase, this was devastating and we knew this only much later than the insurance was bought and of course was never foreseen.
13.- Doctors recommended to change him to a Paliative Care Unit where they said he could be there for weeks of months, hard to say …… The result was that he passed away just a few days after, I even traveled back for family reasons and when I come back was for the funeral.
So, this description reveal why we can´t be in agreement with the Company opinion, we bought an Insurance, we did not wanted to use it, we where planning to go on the trip, we asked about the remote possibility of death, and they answered : “you are covered in that event “.
No payment brings back my Father, but it is a wrong recourse from the Company to describe that “We foresaw the death”…, not true, and the doctors did not knew that either, and the description of events prove that.
We say this in honor of true and in honor of My Father.
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 July 25, 2016, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] booked a [redacted] cruise through [redacted] and made full payment for the trip on 10/21/15. The travel insurance plan was purchased on 10/28/15 with Trip Cancellation coverage commencing on 10/29/15. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her.
The trip was canceled on 10/30/15 due to roof damage to her home requiring repairs. The documentation provided, and per Ms. [redacted]'s customer complaint statement, the roof damage occurred prior to the 10/29/15 effective date of the policy.
The policy will provide "TRIP CANCELLATION BENEFIT...if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy."
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 from...s. 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; t. any issue or event that could have been reasonably foreseen or expected when you purchased the coverage."
The damage to the roof, and the knowledge that the roof required repairs, occurred before coverage began under this policy. The need for damage repairs was foreseen and expected prior to the purchase of the plan. Therefore, regretfully, 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], 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
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 July 27, 2016, with additional information provided by Ms. [redacted].
Ms. [redacted] has pointed out that the repairs to her damaged roof would need to take place during the time that she would have been on the scheduled cruise. The documentation provided for her claim included a letter from [redacted] indicating that they were contacted during the second week of October to inspect the damaged roof. It is unclear when this inspection occurred, but it was prior to the 10/26/15 and 10/27/15 emails between Ms. [redacted] and [redacted] of [redacted]. During these emails it was confirmed that the roof had been inspected by the roofer, was still leaking, and required repair as soon as possible.
Ms. [redacted] has also noted that we failed to include her grandmother's death in our previous response. We apologize for not including this. According to the documentation provided to us, Ms. [redacted]'s grandmother passed away on 10/03/15.
Coverage for Trip Cancellation benefits under this policy began on 10/29/15. In order to provide benefits, the Covered Event must occur prior to the plan's effective date. Both the damage to the roof and the death of Ms. [redacted]'s grandmother occurred prior to the 10/29/15 effective date. Although the repairs to the roof would take place during the scheduled travel dates, the damage occurred before coverage began.
As previously stated, the policy will provide "TRIP CANCELLATION BENEFIT...if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy."
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 from...s. 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; t. any issue or event that could have been reasonably foreseen or expected when you purchased the coverage."
We must again deny benefits for this claim. If you have any questions, please feel free to contact us at (800) 541-3522, 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];
5pt;">CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased.
Ms. [redacted] booked a trip with the scheduled trip dates of September 15, 2015 to October 07, 2015. The travel insurance plan was purchased on August 15, 2015. At that time a Policy Confirmation Letter and a complete Description of Coverage, outlining the plan's coverages and coverage restrictions, were emailed to her.
Ms. [redacted] became ill during her trip and sought medical treatment on September 20, 2015. On September 26, 2015, she contacted our service provider, [redacted], herein referred to as EA, and stated she lost several days of sightseeing due to her illness,
During the telephone conversation between Ms. [redacted] and ** on September 26, 2015, she requested assistance locating an English speaking doctor in [redacted], Croatia, induired on how to file a trip interruption claim, and asked, if she does not start feeling well, would ** be able to help her with an airline ticket back to [redacted]. ** provided her with contact information for [redacted] Hospital, emailed her the requested trip interruption claim form, making it clear that all claim determinations were made by the claims department, and advised Ms. [redacted] that she would need to provide ** with a copy of the medical report prepared by her treating physician. Ms. [redacted] stated she first wanted to be seen by the doctor in [redacted] before sending us the required medical report. Please note the ** representative attempted to explain to Ms. [redacted] that ** is a service provider for CSA Travel Protection, but not the actual travel insurance company.
Approximately two hours after the initial telephone conversation between Ms. [redacted] and **, ** sent Ms. [redacted] an email stating they could arrange for a doctor's home visit, once she provided them with her current location. The following day, September 27, 2015, Ms. [redacted] replied stating she had already been seen at the [redacted] hospital and again requested the trip interruption claim forms. These forms were again emailed to Ms. [redacted] on September 28, 2015. On September 29, 2015, ** sent a follow-up email to Ms. [redacted] stating they could not authorize any further medical care, until they received the medical report from the treating physician for the medical treatment she had already received.
On October 02, 2015, ** received an email from Ms. [redacted] asking them to confirm receipt of the documents she emailed. Soon after, ** responded to Ms. [redacted] stating all documentation regarding her trip interruption claim would need to be sent to CSA Travel Protection directly. There was no further discussion regarding Ms. [redacted]'s desire to return home early. Nor did Ms. [redacted] provide ** with a copy of the medical report needed to determine if it was medically necessary for her to return home early due to her illness.
The plan purchased provides Emergency Assistance and Transportation coverage for: "Expenses incurred for non-emergency repatriation, including medically appropriate transportation and medical care en route, to a Hospital or to your place of residence in the United States of America, when deemed medically necessary by the attending physician, subject to prior approval by Us or our authorized agent." As previously stated, because ** never received the requested medical report from Ms. [redacted] and since Ms. [redacted] only stated she wanted to return home if she did not start feeling better, with no further discussion of her wanting to return home early, no further action was taken by us or our authorized agent, **.
Additionally, the plan purchased provides trip interruption benefits for: "the unused, non-refundable land or water arrangements prepaid to the Travel Supplier prior to departing on your Trip, less any refunds paid or payable . . . ." As Ms. [redacted] has confirmed she continued on her trip as scheduled, despite her illness, all of her travel arrangements were used. Therefore, we are unable to provide benefits for the trip interruption policy maximum.
Please note we have reached out to [redacted], Ms. [redacted]'s tour operator, to verify if she had any unused, prepaid tours in Croatia, Bosnia, and/or Herzegovina. On December 07, 2015, [redacted] Tours replied stating they are investigating the issue and they would respond to our request for information within 14 business days.
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 Specialist
cc; [redacted] / [redacted]
[redacted] I Revdex.com OF SAN DIEGO4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123
[redacted] #[redacted] I Insured: [redacted]Claim Number: [redacted]Policy Number: [redacted]
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S....
Branch as theadministrator of the travel protection plan that was selected. We are in receipt of your em aileddated November 15, 2014, notifying us of the complaint filed by [redacted] rented her property to [redacted] with scheduled travel dates of July 01,2014 to September 30, 2014. The Property Damage Protection coverage was purchased onMay 03, 2014. At that time, a Description of Coverage outlining the plan's coverage andcoverage restrictions was emailed to our Insured [redacted].
On September 26, 2014, we received claim documents from Ms. [redacted] indicating that Ms.[redacted] had damaged a sofa cushion, the keyless entry, towels, and the countertop. Ms.[redacted] also claimed a fee for extra cleaning of the property. The total amount claimed was$1,1 04.02. We contacted Ms. [redacted] to confirm that she and/or her guests had damaged theproperty. Ms. [redacted] denied causing any of the damage claimed.
Under the heading "VACATION RENTAL DAMAGE COVERAGE", it states "If you occupy anAccommodation and you damage the real or personal property assigned to thatAccommodation during the Trip, we will reimburse you the lesser of the cost of repairs or theActual Cash Value of the property, up to the amount shown in the Schedule."
Ms. [redacted] denied responsibility for the damages claimed. This policy only pays fordamages caused by the Insured or their guests. Therefore, the claim was denied.
Later, we were contacted by Ms. [redacted] and she confirmed that her party had caused thedamages that were claimed. The file was reopened and payment for $688.10 was issued to Ms.[redacted] on November 13, 2014, for 1 damaged sofa cushion, the repair cost for the keyless entryand the countertop, and the towels. There are no provisions in the policy to cover the cost ofadditional cleaning fees.
The complaint shows that Ms. [redacted] is claiming a disputed amount of $2,800.00. However, nodocuments were provided to us in support of this dollar amount.
If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
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 March 25, 2014, notifying us of the
complaint filed by Ms. [redacted].
We have reevaluated the file and...
determined that benefits for the cost of the airfare can be
afforded. We are waiting for Ms. [redacted] to contact us to review this matter.
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