CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated January 15, 2015, notifying us of the complaint filed by Ms [redacted] Ms [redacted] booked a cruise through Vacations to Go with scheduled travel dates ofNovember 29, to December 07, She made full payment for the cruise on September30, The travel insurance plan was purchased on November 14, 2014, with a TripCancellation coverage effective date of November 15, At that time a Description ofCoverage, outlining the plan's coverage and coverage restrictions was emailed to herThe tripwas canceled on November 22, 2014, due to Ms [redacted] ' medical condition.The policy provides benefits for a trip cancellation due to illness when certain requirements aremetThe Sickness "must first commence while your coverage is in effect under the Policy".There are also specific exclusions that apply to coverageUnder the heading GENERALEXCLUSIONS, "We will not pay for loss or expense caused by or incurred resulting from aPre-Existing Condition, as defined in the Definitions section, including death that results therefrom." As defined by the policy, "PRE-EXISTING CONDITION means a Sickness or Injury during the180-day period immediately prior to your effective date for which you or your TravelingCompanion: (1) received, or received a recommendation for, a diagnostic test, examination, ormedical treatment; or (2) took or received a prescription for drugs or medicine." The Pre-Existing Condition Exclusion does not apply provided the following requirements aremet: "acoverage is purchased prior to or within hours of your final Trip Payment; and byouare medically able to travel at the time the coverage is purchased." Ms [redacted] did notpurchase her policy within hours of making her final Trip PaymentTherefore, thePre-Existing Condition exclusion does apply to her claimAccording to the documentation provided to us Ms [redacted] underwent a routine mammogramin October 2014, which showed an area of suspicionShe met with the surgeon on November05, 2014, and underwent a biopsy on November 11, The ultimate diagnosis of cancerresulted in surgery and follow up treatmentMs [redacted] received a recommendation for, and underwent a diagnostic test for her illnessduring the 180-day period prior to the policy effective dateThis is a Pre-Existing Condition asdefined by the policy, and specifically excluded from coverageWe must reaffirm our originaldecision that no benefits are payable for this claimWe regret we could not be of service in thismatterIf you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-Sincerely, [redacted] SrTechnical 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.They are still basing decisions based on speculation and what they "think" occurredThe company still doesn't explain why they allowed purchase of a policy they would never stand by in the first place since they are basing decisions based on when the policy was purchasedFor example, if I had to cancel my trip based on bad weather, would they tell me no because I could predict or see the weather forecast prior? How can someone predict or foresee a death, and if I'm capable to do so, why would have I even needed their services if that was the case? They didn't bother to look and see what the hotel policy was, if I could foresee death I could have foreseen myself into calling the hotel and canceling while I still could have gotten my money backI'm being treated as someone who is trying to get something for nothing, as if I'm trying to swindle them out of something that doesn't belong to meLike I deserved to lose my Grandfather and that I deserved to lose all the money that I invested in my trip to the Dominican (my very first opportunity to venture beyond the united states, oh and I have a passport to prove that as well)This company is treating me as if I'm some kind of insurance criminal, when all I want is the money back that belonged to me in the first placeSo if I am unable to retrieve that from them, that is why I definitely deserved to grant them a poor rating from my consumer experienceEspecially when I called the company first prior to filing my claim to explain what had happened, and not once was I advised that my situation wouldn't be coveredI dealt with months of back and forth with this company retrieving all kinds of medical release information from my grieving mother, so they could get whatever information they needed to send me an official denial of there claimSomeone who cooperates in that type of manner must be fraudulent right? This company has never taken any responsibility for the shenanigans that took place during those months, it was bad business period Regards, [redacted]
Dear Ms***:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was selectedWe are in receipt of your emailedDated July 20, 2015, notifying us of the complaint filed by Mrand Mrs ***.Mrand Mrs [redacted] booked a cruise with [redacted] with the scheduled travel dates ofMay 05, to May 13, The travel insurance plan was purchased on August 15, 2014.At that time a Policy Confirmation Letter, stating the insured travel dates and policy maximums,and a Description of Coverage, outlining the plan's coverage and coverage restrictions, wereemailed to themMrand Mrs [redacted] additionally, booked other travel arrangements, which were not insured,extending their trip from April 30, to May 16, On May 05, 2015, Mr [redacted] beganfeeling ill and sought medical treatment on May 07, Although Mr [redacted] was diagnosedwith pneumonia, they continued on their trip, as scheduledThe plan purchased provides trip interruption benefits for: "the unused, non-refundable land orwater arrangements prepaid to the Travel Supplier prior to departing on your Trip, less anyrefunds paid or payable, plus Additional transportation expenses incurred for you to reachthe final return destination of your Trip"We have verified with [redacted] , that Mrand Mrs [redacted] continued on their trip, asscheduled, and used all portions of their river cruise including the transfer from A [redacted] to [redacted] As all pre-paid arrangements booked with [redacted] were used, we areunable to reimburse them for this portion of their claimAccording to the documentation provided, the unused airfare from Barcelona, Spain to [redacted] was scheduled for May 16, As Mrand Mrs [redacted] only insured the traveldates of May 05, to May 13, 2016, this airfare falls outside of the insured travel dates.Therefore, we are not able to consider reimbursement for this expenseIn regards to Mrand Mrs***'s request for reimbursement for their additional hotel in SanFrancisco and the balance of all travel delay charges, the plan purchased has a travel delaypolicy maximum of $1,Mrand Mrs [redacted] were issued payment for their policymaximum on June 11, Please note, travel delay coverage provides benefitsfor: "reasonable additional expenses incurred by you for lodging Accommodations, meals,telephone calls, local transportation, and additional vehicle parking charges and additional petkennel fees incurred due to the delay." If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Sincerely, [redacted] cc: [redacted] / [redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchasedWe 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/The travel insurance plan was purchased on 10/28/with Trip Cancellation coverage commencing on 10/29/At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to herThe trip was canceled on 10/30/due to roof damage to her home requiring repairsThe documentation provided, and per Ms [redacted] 's customer complaint statement, the roof damage occurred prior to the 10/29/effective date of the policyThe 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 We will not pay for any loss under this Policy, caused by, or resulting from...sa 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; tany 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 policyThe need for damage repairs was foreseen and expected prior to the purchase of the planTherefore, regretfully, we must reaffirm our original decision that no benefits are payable for this claimIf 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 responseSincerely, [redacted] SrTechnical Claims Specialist cc: [redacted] / Director of Claims
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] when I purchased the travel insurance I had know knowledge that my mother was not on the mendShe had been in the Masonic Home of New Jersey for years and was in the nursing care section of the home.She was hospitalized for bronchitis and as a precaution the doctor did not want her to get pneumonia.when she came back to the home,she was on the mend.I purchased the insurance just in case she did not get betterI spoke to her on November 3,and she was eating and drinking fluids, but was weakI did not cancel my vacation until November 5th,2013,because my husband and I were taking a wait and see attitude to see if she was going to get betterWe would have gone on our cruise,however, On the 4th of November she was going downhill and I got an emergency flight to New Jersey from Florida and she went fast and passed on November 9th What is the purpose of getting travel insurance if you are not assured of peace of mind????? Mrand Mrs[redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased by Vitaly [redacted] We are in receipt of your email with additional information submitted by Mr [redacted] regarding the denial of this claimMr [redacted] is frustrated that we are unable to provide benefits for the damage to his rental propertyAccording to Mr***, when the property was inspected on January 05, 2016, after the tenants checked out on January 03, 2016, the door jamb to the sliding glass door was damagedWindows were left open, the kitchen faucet was damaged, and the unit was left dirtyThe policy provides benefits to the named Insured "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the cost to replace the property, up to the amount shown in the Schedule." We contacted the named Insured, Mr [redacted] , and he stated that neither he nor his guests caused any of the damagesAs this policy only pays for damages caused by the Insured or their guests, we are unable to provide benefits for the claimIf you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Sincerely, [redacted] Technical Claims Specialist CC: [redacted]
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the
administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 8/22/16, notifying us of the complaint filed by Mr***Due to Mrs***'s pregnancy, they canceled their trip to Florida because of the risk of contracting the Zika Virus and the CDC warning about travel to specific regionsThe policy provides benefits for cancellations for specific Covered Events as listed in the Description of Coverage, under the heading Trip Cancellation Benefit RiderMr*** has referenced in his complaint some partial policy languageThe language in full, which is to be added to the plan's Definitions, reads:
“EMERGENCY MEDICAL CONDITION means a medical condition manifesting itself by acute symptoms of sufficient severity (including, but not limited to, severe pain) such that a prudent layperson, who possesses an average knowledge of health and medicine, could reasonably expect the absence of immediate medical attention to result in:
(1) placing the health of the individual (or, with respect to a pregnant woman, the health of the woman or her unborn child) in serious jeopardy;
(2) serious impairment to bodily functions; or (3) serious dysfunction of any bodily organ or part.”
There is no Emergency Medical Condition present that is being treated and resulted in the cancellation of the TripThe risk of contracting an illness is not one of the plan's listed Covered EventsTherefore, we must reaffirm our original decision that no benefits are payable for this claimA copy of the Description of Coverage is enclosed for your review
If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your responseSincerely,
*** ***
SrTechnical Claims Specialist
cc: *** *** ***
*** *** / Director of Claims
Dear Ms***:
CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchasedWe are responding to your follow up email of September 16, We have reviewed this matter with the underwriter and will afford coverage as a customer service gestureThe file will be reopened and payment issued as follows:
$- $nonrefundable insurance = $divided by = $plus $gasoline = $If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Sincerely,
*** *** ***
*** *** ***
CC: *** *** ***
*** *** / *** ** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowDear Ms.**,
Thank you for replying with the message from CSA
TravelI agree that I did book the cruise on August The reply states,
” The Policy Confirmation Letter confirming there was no Cancel for Any Reason
coverage, and the Description of Coverage outlining the plan's coverage and
coverage restrictions, were emailed to Mr*** at the time of the insurance
purchase”If this statement is true, why did I just only receive a Policy
Confirmation Letter on February After the fact when we started the
claims processI have scrubbed my email that I gave to the agent when I bought
the insuranceI have not found the Policy Confirmation Letter anywhere in my
inbox or junk mail that was dated when I purchased the insuranceI keep stuff
for a long time just to make sure things like this do not happenIt seems to
be that there is a communication breakdown somewhereI know if I would have had the
policy confirmation letter I would have not gotten the insuranceThe agent who
was the phone said that I would be reimbursed for the full amount if we were to
cancel at any timeAs to date the company still owes me the $dollarsTruly
I am tired of trying to contact the company since they feel they cannot talk to
me about the issuesOnce again there has been no customer serviceI am not
satisfied with what the company has to sayI have been in the military for
years, I believe I deserve a lot more respect than what the CSA Travel is giving me
and my familyFamily is very important to me and this is not helping my family
Regards,
*** ***
Revdex.com OF SAN DIEGO** *** *** *** ** ***
ATTN: *** *** *** *** *** *** ** ***
*** *** Complaint ID #*** June 11,2015Claim Number: ***Policy
Number: ***Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated June 09, 2015, notifying us of the complaint filed by Ms***Ms*** booked a *** *** through *** ** ** with scheduled travel dates ofMarch 08, to March 15, The policy was purchased on December 18, At thattime a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverageand coverage restrictions, were emailed to herThe trip was canceled on March 01, 2015, due to Ms***'s emotional distress caused byfamily issuesThe Physician's Statement completed by Dr*** showed a diagnosis of acuteanxietyThe policy provides coverage for a trip cancellation due to sickness subject to the plan's termsand conditionsUnder the heading General Exclusions, it states: "We will not pay for any lossunder this Policy, caused by, or resulting from bmental, nervous, or psychological disordersof you or your Traveling Companion"The trip was canceled due to a condition that is specifically excluded from coverage, and theclaim was deniedMs*** requested reconsideration of the claim, providing a newPhysician's Statement listing symptoms of dizziness, nausea, diarrhea, and stress, with adiagnosis of dizzinessWe obtained the medical records from Dr***'s officeThe records didnot indicate any dizziness, and specifically noted there was no nausea or diarrheaTheassessed diagnosis was Generalized Anxiety DisorderMs*** canceled her trip due to a condition that is specifically excluded from coverage.Therefore, we must reaffirm our original decision that no benefits are payable for this claimIf you have any questions, please feel free to contact us at *** ***, by email at
*** or by FAX at *** ***
Sincerely,
*** ***SrTechnical Claims Specialist
cc: *** *** ***
*** *** / Director of Claims
Dear Ms***
text-align: justify;">CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated December 01, 2015, notifying us of the complaint filed by Mr***The underwriter has reviewed this matter and approved payment of the claim as a good will customer service gestureThe claim will be reopened and payment issued shortly to Mr*** for the $medical expenseIf you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Sincerely,
*** ***
*** *** *** ***
cc: *** *** ***
*** *** / *** ** ***
Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated April 20, 2015, notifying us of the complaint filed by Ms***Ms*** has alleged a delay in processing of this claimThe claim was received in our officeon December 29, Payment for the amount claimed of $265.80, was issued on January02, 2015, our check number ***If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***Sincerely,
*** ***SrTechnical Claims Specialist
cc: *** *** ***
*** *** / Director of Claims
March 04, 2015Revdex.com OF SAN DIEGOATTN: *** ***VIEWRIDGE AVE #200SAN DIEGO, CA 92123Complainant: *** *** #***Insureds: *** *** and *** ***Claim Number:
***Policy Number: ***Travel Dates: December 21, 2014- December 26, 2014Dear Ms***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated February 25, 2015, notifying us of the complaint filed by Mr***.Mr*** booked a cruise for the above referenced insureds and purchased their travelprotection plan on August 20, The Policy Confirmation Letter confirming there was noCancel for Any Reason coverage, and the Description of Coverage outlining the plan'scoverage and coverage restrictions, were emailed to Mr*** at the time of the insurancepurchase.Mr*** called our office on November 03, 2014, requesting claim forms and stating that amilitary leave had been revokedWe received claim documents on December 04, 2014,indicating that the trip was canceled on October 23, 2014, because Ms*** did not receiveher leave of absenceThere was a letter from the Department of the Army stating that effectiveDecember 03, Ms***'s request for leave was deniedWe confirmed with the travelagent that the cruise was canceled on October 23, 2014, with a refund less a $penalty.We were later provided with a letter from the Department of the Army dated December 19,This letter stated that the leave was denied because Ms*** did not submit therequired documents in the allotted time to process.The policy provides Trip Cancellation coverage for a military leave being revoked when certainrequirements are met: "Your previously granted military leave being revokedThe leave must beapproved prior to your coverage becoming effective, and official written revocation notice fromyour commanding officer will be required."Based on the information provided, Ms*** did not submit the required documents to theArmy in a timely manner to have her leave approvedThe policy requires that the leave must beapproved prior to the policy coverage becoming effectiveTherefore, policy requirements thatwould allow payment of benefits were not met, and we cannot pay the claim.We were contacted throughout the claims process by *** and *** ***Ultimately, aclaims supervisor informed Mr*** that we can only discuss the claim with the namedinsureds, Mr*** and Ms***.If you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-####.Sincerely,*** ***SrTechnical Claims Specialistcc: Generali U.SBranch*** *** / Director of ClaimsThese plans are administered by CSA Travel Protection and Insurance ServicesServices areprovided through GSA's designated providersTravel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # (all states except as otherwise noted) underPolicy/Certificate Form series TCalifornia is Underwritten by Generali Assicurazioni GeneraliS.P.A(U.SBranch), Colorado is Underwritten by Assicurazioni Generali- U.SBranch, Oregon isUnderwritten by Generali U.SBranch 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 *** *** *** as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 09/02/16, with additional information from Mr***Mr*** feels that disclosures are not transparent and only made after purchaseAlso, that the Right to Cancel (10-day free look) is difficult to findThe Description of Coverage is provided to the Insured upon purchase of the planThe Description of Coverage lists the 10-Day Right to Examine Your Description of Coverage on panel of the plan under the Schedule of Coverage boxThe plan exclusions are listed on panels 9, 10, and The Policy Confirmation Letter accompanies the Description of Coverage and also references the 10-day free look period, and asks the purchaser to review the policy documents carefullyMr*** has referenced on-line descriptions indicating the insurance covers cancellation for any reasonThe protection plan that we administrate for *** is not a cancel for any reason policy, and the plan is not advertised as such on the *** websitein addition to the insurance plan documents emailed from our office, once Mr*** had booked his trip and accepted the insurance plan, there was a link on the *** website to obtain the Description of CoverageA copy of the *** payment confirmation document is enclosed for your reviewMr*** submitted this document with his claimOur procedures are not meant to be misleading in any wayThe Description of Coverage is available to an insured immediately upon purchaseOur telephone number is listed on the Policy Confirmation Letter and Description of Coverage so that the insured can call us with any questions about the plan
If you have any questions, please feel free to contact us at *** ***, by email at *** *** or by FAX at *** ***Please ensure the claim number is included with your responseSincerely,
*** ***
SrTechnical Claims Specialist
CC: *** *** ***
*** *** / Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was selectedWe are in receipt of your email dated January 07, 2016, notifying us that Ms*** has provided additional information in regards to her complaint,
Unfortunately, our original position has not changedAs previously advised, during the telephone conversation between Ms*** and ***, herein referred to as **, on September 26, 2015, the ** representative stated to Ms*** they were not the insurance company, as they are our service providerHowever, at no point was Ms*** told that CSA Travel Protection is not an insurance company,
During the same telephone conversation, Ms*** was given contact information for *** Hospital and two hours later, she received an email from ** stating they could arrange for a doctor's home visit, once she provided them with her exact locationThis confirms that not only did ** provide her with a medical referral, as per the terms and conditions in her Description of Coverage, but that they also offered to send a doctor directly to Ms***Finally, during the same telephone conversation on September 26, 2015, Ms*** asked, if she does not start feeling well, would ** be able to help her with an airline ticket back to *** advised Ms*** that she would need to provide them with a copy of the medical report prepared by the treating physicianThere was no further discussion regarding Ms***'s desire to return home earlyNor did Ms*** 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 illnessPlease note payment in the amount of $222, was issued to Ms*** on January 14, in reimbursement of her unused tours booked with *** ***If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Sincerely,
*** ***
Dear Ms***:CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was purchasedWe are in receipt of your email dated July 10, 2015, notifying us of thecomplaint filed by Mr***We are reopening the claim and will be
contacting Mr*** for additional documentation forthe reevaluation of his claim.If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***Please ensure the claim numberis included with your responseSincerely,
*** *** *** *** ***
cc: *** *** * *** ** ***
I am the owner of a guest cottage that rents online and travelers are covered by CSA which is an option for me versus a refundable damage deposit After the first claim handled by CSA, I will only be using a refundable damage deposit The company would not refund me for sheets and towels used by a guest who had major surgery and returned to my property with body drainsShe did not divulge this in advance or I wouldn't have accepted her reservation The issue for me, was assuring my subsequent guests a standard of safety knowing that sheets and towels were not contaminated with any possible disease that is spread by *** bodily fluidsdrains equals a lot of potential to spread disease I had not way to sterilize the towels and sheets and so I threw them out and purchased new ones CSA denied the claim because there were no visible blood stains according to the renter Germs are not visible and I was shocked that CSA did not consider this damage worth reimbursement I will never use them again
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the
administrator of the travel protection plan that was selectedWe received your email dated October 14, 2016, notifying us of the complaint filed by Ms***We have reevaluated the claim and determined that coverage will be affordedThe file will be reopened and payment issued shortly,
If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your responseSincerely,
*** ***
SrTechnical Claims Specialist
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the
administrator of the travel protection plan that was purchasedWe are in receipt of your email
dated July 30, 2014, notifying us of the complaint filed by Ms***
Ms*** and her
family booked a Norwegian Cruise through Vacations to Go with scheduled
sailing dates of May 31, to June 07, They flew from Los Angeles to Seattle on May
30, After arriving in Seattle and the bag search by the TSA, the birth certificate for her son
was missing from the checked luggageThe cruise line would not allow Ms***' son to board
the ship without the birth certificate
The travel protection plan purchased provides a 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 "The language for TRIP INTERRUPTION BENEFIT
states "If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you
are unable to continue the Trip due to one of the unforeseeable Covered Events listed below
that occur during your Trip dates ",
The plan defines TRIP as "A period of round-trip travel at least miles away from Home to
your designated vacation destination associated with the purchase of this insurance "In most
cases if an insured has not departed from their Home, the claim would be handled as a Trip
CancellationIf they have left their Home to begin the Trip, the claim would be handled as a Trip
Interruption
Regarding this situation, the Covered Events for both Trip Cancellation and Trip Interruption
Benefits are the sameBenefits are available only for "A documented theft of your passports
or visas"The loss or theft of a birth certificate is not one of the Covered Events that would allow
payment of benefitsTherefore, 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 (800) 541-3522, by email at [email protected] or by FAX at (877) 300-
Sincerely,
*** ***
SrTechnical Claims Specialist
*** ***/ Revdex.com OF SAN DIEGO September 11,
MURPHY CANYON ROAD #
SAN DIEGO, CA
*** *** #
Claim Number: ***
Policy Number: ***
Travel Dates: September 05, 2014- September 07,
Dear Ms***:
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated September 09, 2014, notifying us of the complaint filed by Mr***
Mr*** booked airline tickets through AirTran Airways and purchased the travel insurance plan on August 26, 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 because the Army canceled the scheduled drill that he was to participate inThe policy only provides benefits for specific, listed eventsAs the reason for this cancellation was not due to a listed, Covered Event, no benefits were payable for this claim
Our contact at AirTran Airways has informed us that they did refund Mr*** in full for his airline ticket
If you have any questions, please feel free to contact us at (800) 876-6903, by email at [email protected] or by FAX at (877) 300-
Sincerely,
*** ***
SrTechnical Claims Specialist
*** ***/ Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated January 15, 2015, notifying us of the complaint filed by Ms [redacted] Ms [redacted] booked a cruise through Vacations to Go with scheduled travel dates ofNovember 29, to December 07, She made full payment for the cruise on September30, The travel insurance plan was purchased on November 14, 2014, with a TripCancellation coverage effective date of November 15, At that time a Description ofCoverage, outlining the plan's coverage and coverage restrictions was emailed to herThe tripwas canceled on November 22, 2014, due to Ms [redacted] ' medical condition.The policy provides benefits for a trip cancellation due to illness when certain requirements aremetThe Sickness "must first commence while your coverage is in effect under the Policy".There are also specific exclusions that apply to coverageUnder the heading GENERALEXCLUSIONS, "We will not pay for loss or expense caused by or incurred resulting from aPre-Existing Condition, as defined in the Definitions section, including death that results therefrom." As defined by the policy, "PRE-EXISTING CONDITION means a Sickness or Injury during the180-day period immediately prior to your effective date for which you or your TravelingCompanion: (1) received, or received a recommendation for, a diagnostic test, examination, ormedical treatment; or (2) took or received a prescription for drugs or medicine." The Pre-Existing Condition Exclusion does not apply provided the following requirements aremet: "acoverage is purchased prior to or within hours of your final Trip Payment; and byouare medically able to travel at the time the coverage is purchased." Ms [redacted] did notpurchase her policy within hours of making her final Trip PaymentTherefore, thePre-Existing Condition exclusion does apply to her claimAccording to the documentation provided to us Ms [redacted] underwent a routine mammogramin October 2014, which showed an area of suspicionShe met with the surgeon on November05, 2014, and underwent a biopsy on November 11, The ultimate diagnosis of cancerresulted in surgery and follow up treatmentMs [redacted] received a recommendation for, and underwent a diagnostic test for her illnessduring the 180-day period prior to the policy effective dateThis is a Pre-Existing Condition asdefined by the policy, and specifically excluded from coverageWe must reaffirm our originaldecision that no benefits are payable for this claimWe regret we could not be of service in thismatterIf you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-Sincerely, [redacted] SrTechnical 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.They are still basing decisions based on speculation and what they "think" occurredThe company still doesn't explain why they allowed purchase of a policy they would never stand by in the first place since they are basing decisions based on when the policy was purchasedFor example, if I had to cancel my trip based on bad weather, would they tell me no because I could predict or see the weather forecast prior? How can someone predict or foresee a death, and if I'm capable to do so, why would have I even needed their services if that was the case? They didn't bother to look and see what the hotel policy was, if I could foresee death I could have foreseen myself into calling the hotel and canceling while I still could have gotten my money backI'm being treated as someone who is trying to get something for nothing, as if I'm trying to swindle them out of something that doesn't belong to meLike I deserved to lose my Grandfather and that I deserved to lose all the money that I invested in my trip to the Dominican (my very first opportunity to venture beyond the united states, oh and I have a passport to prove that as well)This company is treating me as if I'm some kind of insurance criminal, when all I want is the money back that belonged to me in the first placeSo if I am unable to retrieve that from them, that is why I definitely deserved to grant them a poor rating from my consumer experienceEspecially when I called the company first prior to filing my claim to explain what had happened, and not once was I advised that my situation wouldn't be coveredI dealt with months of back and forth with this company retrieving all kinds of medical release information from my grieving mother, so they could get whatever information they needed to send me an official denial of there claimSomeone who cooperates in that type of manner must be fraudulent right? This company has never taken any responsibility for the shenanigans that took place during those months, it was bad business period Regards, [redacted]
Dear Ms***:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was selectedWe are in receipt of your emailedDated July 20, 2015, notifying us of the complaint filed by Mrand Mrs ***.Mrand Mrs [redacted] booked a cruise with [redacted] with the scheduled travel dates ofMay 05, to May 13, The travel insurance plan was purchased on August 15, 2014.At that time a Policy Confirmation Letter, stating the insured travel dates and policy maximums,and a Description of Coverage, outlining the plan's coverage and coverage restrictions, wereemailed to themMrand Mrs [redacted] additionally, booked other travel arrangements, which were not insured,extending their trip from April 30, to May 16, On May 05, 2015, Mr [redacted] beganfeeling ill and sought medical treatment on May 07, Although Mr [redacted] was diagnosedwith pneumonia, they continued on their trip, as scheduledThe plan purchased provides trip interruption benefits for: "the unused, non-refundable land orwater arrangements prepaid to the Travel Supplier prior to departing on your Trip, less anyrefunds paid or payable, plus Additional transportation expenses incurred for you to reachthe final return destination of your Trip"We have verified with [redacted] , that Mrand Mrs [redacted] continued on their trip, asscheduled, and used all portions of their river cruise including the transfer from A [redacted] to [redacted] As all pre-paid arrangements booked with [redacted] were used, we areunable to reimburse them for this portion of their claimAccording to the documentation provided, the unused airfare from Barcelona, Spain to [redacted] was scheduled for May 16, As Mrand Mrs [redacted] only insured the traveldates of May 05, to May 13, 2016, this airfare falls outside of the insured travel dates.Therefore, we are not able to consider reimbursement for this expenseIn regards to Mrand Mrs***'s request for reimbursement for their additional hotel in SanFrancisco and the balance of all travel delay charges, the plan purchased has a travel delaypolicy maximum of $1,Mrand Mrs [redacted] were issued payment for their policymaximum on June 11, Please note, travel delay coverage provides benefitsfor: "reasonable additional expenses incurred by you for lodging Accommodations, meals,telephone calls, local transportation, and additional vehicle parking charges and additional petkennel fees incurred due to the delay." If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Sincerely, [redacted] cc: [redacted] / [redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchasedWe 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/The travel insurance plan was purchased on 10/28/with Trip Cancellation coverage commencing on 10/29/At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to herThe trip was canceled on 10/30/due to roof damage to her home requiring repairsThe documentation provided, and per Ms [redacted] 's customer complaint statement, the roof damage occurred prior to the 10/29/effective date of the policyThe 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 We will not pay for any loss under this Policy, caused by, or resulting from...sa 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; tany 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 policyThe need for damage repairs was foreseen and expected prior to the purchase of the planTherefore, regretfully, we must reaffirm our original decision that no benefits are payable for this claimIf 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 responseSincerely, [redacted] SrTechnical Claims Specialist cc: [redacted] / Director of Claims
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] when I purchased the travel insurance I had know knowledge that my mother was not on the mendShe had been in the Masonic Home of New Jersey for years and was in the nursing care section of the home.She was hospitalized for bronchitis and as a precaution the doctor did not want her to get pneumonia.when she came back to the home,she was on the mend.I purchased the insurance just in case she did not get betterI spoke to her on November 3,and she was eating and drinking fluids, but was weakI did not cancel my vacation until November 5th,2013,because my husband and I were taking a wait and see attitude to see if she was going to get betterWe would have gone on our cruise,however, On the 4th of November she was going downhill and I got an emergency flight to New Jersey from Florida and she went fast and passed on November 9th What is the purpose of getting travel insurance if you are not assured of peace of mind????? Mrand Mrs[redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased by Vitaly [redacted] We are in receipt of your email with additional information submitted by Mr [redacted] regarding the denial of this claimMr [redacted] is frustrated that we are unable to provide benefits for the damage to his rental propertyAccording to Mr***, when the property was inspected on January 05, 2016, after the tenants checked out on January 03, 2016, the door jamb to the sliding glass door was damagedWindows were left open, the kitchen faucet was damaged, and the unit was left dirtyThe policy provides benefits to the named Insured "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the cost to replace the property, up to the amount shown in the Schedule." We contacted the named Insured, Mr [redacted] , and he stated that neither he nor his guests caused any of the damagesAs this policy only pays for damages caused by the Insured or their guests, we are unable to provide benefits for the claimIf you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Sincerely, [redacted] Technical Claims Specialist CC: [redacted]
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the
administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 8/22/16, notifying us of the complaint filed by Mr***Due to Mrs***'s pregnancy, they canceled their trip to Florida because of the risk of contracting the Zika Virus and the CDC warning about travel to specific regionsThe policy provides benefits for cancellations for specific Covered Events as listed in the Description of Coverage, under the heading Trip Cancellation Benefit RiderMr*** has referenced in his complaint some partial policy languageThe language in full, which is to be added to the plan's Definitions, reads:
“EMERGENCY MEDICAL CONDITION means a medical condition manifesting itself by acute symptoms of sufficient severity (including, but not limited to, severe pain) such that a prudent layperson, who possesses an average knowledge of health and medicine, could reasonably expect the absence of immediate medical attention to result in:
(1) placing the health of the individual (or, with respect to a pregnant woman, the health of the woman or her unborn child) in serious jeopardy;
(2) serious impairment to bodily functions; or (3) serious dysfunction of any bodily organ or part.”
There is no Emergency Medical Condition present that is being treated and resulted in the cancellation of the TripThe risk of contracting an illness is not one of the plan's listed Covered EventsTherefore, we must reaffirm our original decision that no benefits are payable for this claimA copy of the Description of Coverage is enclosed for your review
If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your responseSincerely,
*** ***
SrTechnical Claims Specialist
cc: *** *** ***
*** *** / Director of Claims
Dear Ms***:
CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchasedWe are responding to your follow up email of September 16, We have reviewed this matter with the underwriter and will afford coverage as a customer service gestureThe file will be reopened and payment issued as follows:
$- $nonrefundable insurance = $divided by = $plus $gasoline = $If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Sincerely,
*** *** ***
*** *** ***
CC: *** *** ***
*** *** / *** ** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowDear Ms.**,
Thank you for replying with the message from CSA
TravelI agree that I did book the cruise on August The reply states,
” The Policy Confirmation Letter confirming there was no Cancel for Any Reason
coverage, and the Description of Coverage outlining the plan's coverage and
coverage restrictions, were emailed to Mr*** at the time of the insurance
purchase”If this statement is true, why did I just only receive a Policy
Confirmation Letter on February After the fact when we started the
claims processI have scrubbed my email that I gave to the agent when I bought
the insuranceI have not found the Policy Confirmation Letter anywhere in my
inbox or junk mail that was dated when I purchased the insuranceI keep stuff
for a long time just to make sure things like this do not happenIt seems to
be that there is a communication breakdown somewhereI know if I would have had the
policy confirmation letter I would have not gotten the insuranceThe agent who
was the phone said that I would be reimbursed for the full amount if we were to
cancel at any timeAs to date the company still owes me the $dollarsTruly
I am tired of trying to contact the company since they feel they cannot talk to
me about the issuesOnce again there has been no customer serviceI am not
satisfied with what the company has to sayI have been in the military for
years, I believe I deserve a lot more respect than what the CSA Travel is giving me
and my familyFamily is very important to me and this is not helping my family
Regards,
*** ***
Revdex.com OF SAN DIEGO** *** *** *** ** ***
ATTN: *** *** *** *** *** *** ** ***
*** *** Complaint ID #*** June 11,2015Claim Number: ***Policy
Number: ***Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated June 09, 2015, notifying us of the complaint filed by Ms***Ms*** booked a *** *** through *** ** ** with scheduled travel dates ofMarch 08, to March 15, The policy was purchased on December 18, At thattime a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverageand coverage restrictions, were emailed to herThe trip was canceled on March 01, 2015, due to Ms***'s emotional distress caused byfamily issuesThe Physician's Statement completed by Dr*** showed a diagnosis of acuteanxietyThe policy provides coverage for a trip cancellation due to sickness subject to the plan's termsand conditionsUnder the heading General Exclusions, it states: "We will not pay for any lossunder this Policy, caused by, or resulting from bmental, nervous, or psychological disordersof you or your Traveling Companion"The trip was canceled due to a condition that is specifically excluded from coverage, and theclaim was deniedMs*** requested reconsideration of the claim, providing a newPhysician's Statement listing symptoms of dizziness, nausea, diarrhea, and stress, with adiagnosis of dizzinessWe obtained the medical records from Dr***'s officeThe records didnot indicate any dizziness, and specifically noted there was no nausea or diarrheaTheassessed diagnosis was Generalized Anxiety DisorderMs*** canceled her trip due to a condition that is specifically excluded from coverage.Therefore, we must reaffirm our original decision that no benefits are payable for this claimIf you have any questions, please feel free to contact us at *** ***, by email at
*** or by FAX at *** ***
Sincerely,
*** ***SrTechnical Claims Specialist
cc: *** *** ***
*** *** / Director of Claims
Dear Ms***
text-align: justify;">CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated December 01, 2015, notifying us of the complaint filed by Mr***The underwriter has reviewed this matter and approved payment of the claim as a good will customer service gestureThe claim will be reopened and payment issued shortly to Mr*** for the $medical expenseIf you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Sincerely,
*** ***
*** *** *** ***
cc: *** *** ***
*** *** / *** ** ***
Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated April 20, 2015, notifying us of the complaint filed by Ms***Ms*** has alleged a delay in processing of this claimThe claim was received in our officeon December 29, Payment for the amount claimed of $265.80, was issued on January02, 2015, our check number ***If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***Sincerely,
*** ***SrTechnical Claims Specialist
cc: *** *** ***
*** *** / Director of Claims
March 04, 2015Revdex.com OF SAN DIEGOATTN: *** ***VIEWRIDGE AVE #200SAN DIEGO, CA 92123Complainant: *** *** #***Insureds: *** *** and *** ***Claim Number:
***Policy Number: ***Travel Dates: December 21, 2014- December 26, 2014Dear Ms***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated February 25, 2015, notifying us of the complaint filed by Mr***.Mr*** booked a cruise for the above referenced insureds and purchased their travelprotection plan on August 20, The Policy Confirmation Letter confirming there was noCancel for Any Reason coverage, and the Description of Coverage outlining the plan'scoverage and coverage restrictions, were emailed to Mr*** at the time of the insurancepurchase.Mr*** called our office on November 03, 2014, requesting claim forms and stating that amilitary leave had been revokedWe received claim documents on December 04, 2014,indicating that the trip was canceled on October 23, 2014, because Ms*** did not receiveher leave of absenceThere was a letter from the Department of the Army stating that effectiveDecember 03, Ms***'s request for leave was deniedWe confirmed with the travelagent that the cruise was canceled on October 23, 2014, with a refund less a $penalty.We were later provided with a letter from the Department of the Army dated December 19,This letter stated that the leave was denied because Ms*** did not submit therequired documents in the allotted time to process.The policy provides Trip Cancellation coverage for a military leave being revoked when certainrequirements are met: "Your previously granted military leave being revokedThe leave must beapproved prior to your coverage becoming effective, and official written revocation notice fromyour commanding officer will be required."Based on the information provided, Ms*** did not submit the required documents to theArmy in a timely manner to have her leave approvedThe policy requires that the leave must beapproved prior to the policy coverage becoming effectiveTherefore, policy requirements thatwould allow payment of benefits were not met, and we cannot pay the claim.We were contacted throughout the claims process by *** and *** ***Ultimately, aclaims supervisor informed Mr*** that we can only discuss the claim with the namedinsureds, Mr*** and Ms***.If you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-####.Sincerely,*** ***SrTechnical Claims Specialistcc: Generali U.SBranch*** *** / Director of ClaimsThese plans are administered by CSA Travel Protection and Insurance ServicesServices areprovided through GSA's designated providersTravel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # (all states except as otherwise noted) underPolicy/Certificate Form series TCalifornia is Underwritten by Generali Assicurazioni GeneraliS.P.A(U.SBranch), Colorado is Underwritten by Assicurazioni Generali- U.SBranch, Oregon isUnderwritten by Generali U.SBranch 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 *** *** *** as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 09/02/16, with additional information from Mr***Mr*** feels that disclosures are not transparent and only made after purchaseAlso, that the Right to Cancel (10-day free look) is difficult to findThe Description of Coverage is provided to the Insured upon purchase of the planThe Description of Coverage lists the 10-Day Right to Examine Your Description of Coverage on panel of the plan under the Schedule of Coverage boxThe plan exclusions are listed on panels 9, 10, and The Policy Confirmation Letter accompanies the Description of Coverage and also references the 10-day free look period, and asks the purchaser to review the policy documents carefullyMr*** has referenced on-line descriptions indicating the insurance covers cancellation for any reasonThe protection plan that we administrate for *** is not a cancel for any reason policy, and the plan is not advertised as such on the *** websitein addition to the insurance plan documents emailed from our office, once Mr*** had booked his trip and accepted the insurance plan, there was a link on the *** website to obtain the Description of CoverageA copy of the *** payment confirmation document is enclosed for your reviewMr*** submitted this document with his claimOur procedures are not meant to be misleading in any wayThe Description of Coverage is available to an insured immediately upon purchaseOur telephone number is listed on the Policy Confirmation Letter and Description of Coverage so that the insured can call us with any questions about the plan
If you have any questions, please feel free to contact us at *** ***, by email at *** *** or by FAX at *** ***Please ensure the claim number is included with your responseSincerely,
*** ***
SrTechnical Claims Specialist
CC: *** *** ***
*** *** / Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was selectedWe are in receipt of your email dated January 07, 2016, notifying us that Ms*** has provided additional information in regards to her complaint,
Unfortunately, our original position has not changedAs previously advised, during the telephone conversation between Ms*** and ***, herein referred to as **, on September 26, 2015, the ** representative stated to Ms*** they were not the insurance company, as they are our service providerHowever, at no point was Ms*** told that CSA Travel Protection is not an insurance company,
During the same telephone conversation, Ms*** was given contact information for *** Hospital and two hours later, she received an email from ** stating they could arrange for a doctor's home visit, once she provided them with her exact locationThis confirms that not only did ** provide her with a medical referral, as per the terms and conditions in her Description of Coverage, but that they also offered to send a doctor directly to Ms***Finally, during the same telephone conversation on September 26, 2015, Ms*** asked, if she does not start feeling well, would ** be able to help her with an airline ticket back to *** advised Ms*** that she would need to provide them with a copy of the medical report prepared by the treating physicianThere was no further discussion regarding Ms***'s desire to return home earlyNor did Ms*** 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 illnessPlease note payment in the amount of $222, was issued to Ms*** on January 14, in reimbursement of her unused tours booked with *** ***If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Sincerely,
*** ***
Dear Ms***:CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was purchasedWe are in receipt of your email dated July 10, 2015, notifying us of thecomplaint filed by Mr***We are reopening the claim and will be
contacting Mr*** for additional documentation forthe reevaluation of his claim.If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***Please ensure the claim numberis included with your responseSincerely,
*** *** *** *** ***
cc: *** *** * *** ** ***
I am the owner of a guest cottage that rents online and travelers are covered by CSA which is an option for me versus a refundable damage deposit After the first claim handled by CSA, I will only be using a refundable damage deposit The company would not refund me for sheets and towels used by a guest who had major surgery and returned to my property with body drainsShe did not divulge this in advance or I wouldn't have accepted her reservation The issue for me, was assuring my subsequent guests a standard of safety knowing that sheets and towels were not contaminated with any possible disease that is spread by *** bodily fluidsdrains equals a lot of potential to spread disease I had not way to sterilize the towels and sheets and so I threw them out and purchased new ones CSA denied the claim because there were no visible blood stains according to the renter Germs are not visible and I was shocked that CSA did not consider this damage worth reimbursement I will never use them again
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the
administrator of the travel protection plan that was selectedWe received your email dated October 14, 2016, notifying us of the complaint filed by Ms***We have reevaluated the claim and determined that coverage will be affordedThe file will be reopened and payment issued shortly,
If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your responseSincerely,
*** ***
SrTechnical Claims Specialist
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the
administrator of the travel protection plan that was purchasedWe are in receipt of your email
dated July 30, 2014, notifying us of the complaint filed by Ms***
Ms*** and her
family booked a Norwegian Cruise through Vacations to Go with scheduled
sailing dates of May 31, to June 07, They flew from Los Angeles to Seattle on May
30, After arriving in Seattle and the bag search by the TSA, the birth certificate for her son
was missing from the checked luggageThe cruise line would not allow Ms***' son to board
the ship without the birth certificate
The travel protection plan purchased provides a 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 "The language for TRIP INTERRUPTION BENEFIT
states "If your arrival on your Trip is delayed beyond your Scheduled Departure Date, or if you
are unable to continue the Trip due to one of the unforeseeable Covered Events listed below
that occur during your Trip dates ",
The plan defines TRIP as "A period of round-trip travel at least miles away from Home to
your designated vacation destination associated with the purchase of this insurance "In most
cases if an insured has not departed from their Home, the claim would be handled as a Trip
CancellationIf they have left their Home to begin the Trip, the claim would be handled as a Trip
Interruption
Regarding this situation, the Covered Events for both Trip Cancellation and Trip Interruption
Benefits are the sameBenefits are available only for "A documented theft of your passports
or visas"The loss or theft of a birth certificate is not one of the Covered Events that would allow
payment of benefitsTherefore, 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 (800) 541-3522, by email at
[email protected] or by FAX at (877) 300-
Sincerely,
*** ***
SrTechnical Claims Specialist
*** ***/ Revdex.com OF SAN DIEGO September 11,
MURPHY CANYON ROAD #
SAN DIEGO, CA
*** *** #
Claim Number: ***
Policy Number: ***
Travel Dates: September 05, 2014- September 07,
Dear Ms***:
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated September 09, 2014, notifying us of the complaint filed by Mr***
Mr*** booked airline tickets through AirTran Airways and purchased the travel insurance plan on August 26, 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 because the Army canceled the scheduled drill that he was to participate inThe policy only provides benefits for specific, listed eventsAs the reason for this cancellation was not due to a listed, Covered Event, no benefits were payable for this claim
Our contact at AirTran Airways has informed us that they did refund Mr*** in full for his airline ticket
If you have any questions, please feel free to contact us at (800) 876-6903, by email at [email protected] or by FAX at (877) 300-
Sincerely,
*** ***
SrTechnical Claims Specialist
*** ***/ Director of Claims