CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was selectedWhile driving from Scottsdale, Arizona to Taos, New Mexico, Ms*** delayed her travelby one day due to inclement weather
conditionsShe has claimed the prepaid lodging cost forthe missed night in New Mexico.The travel protection plan purchased only provides benefits for a Trip Interruption due to theCovered Events listed in the policyThe plan covers "The interruption of road service for 6hours or more due to adverse weather or natural disaster so as to prohibit you from reachingyour destination."
There is no evidence of a hour road closure due to bad weather that prohibited Ms***from reaching her destinationWe understand Ms***'s choice to delay travel until shefelt comfortable driving, but this is not a covered reason that would allow benefits to be paidWe regret we were unable to be of service in this matterOur claims decision remainsunchangedIf you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-####Sincerely,
*** ***
SrTechnical Claims Specialist
CSA Travel Protection and Insurance Services is the administrator of the travel
protection plan that was purchasedWe are in receipt of your email dated April 15, 2016, notifying us of the complaint filed by Mr***Mrand Mrs*** canceled their trip to Paris on November 27, 2015, due to the recommendation of Mrs***'s doctor that she not flyA letter written by Dr*** was provided to us indicating that Mrs***'s estimated delivery date is in June Coverage under the policy is subject to the plan's terms and conditionsUnder the heading General Plan Exclusions it states:
"The following exclusions apply to all coverages: We will not pay for any loss under the plan caused by, or resulting frompregnancy or resulting childbirth or elective abortion"Based on the minimal information provided in the doctor's letter, we are unable to confirm whether this exclusion will apply to this lossWe had requested a Patient Authorization form be completed, which would allow us to obtain additional documentation from the treating doctorThis request has been declined by Mrand Mrs***In order to Continue processing the claim, we will need authorization to contact Dr*** for Mrs***'s records between 10/01/through 11/27/This will allow us to confirm whether this was a pregnancy, or if there were complications of the pregnancyBenefits can be considered if there were complications of the pregnancy during the above time period
The Patient Authorization form does not require Mrs*** to 'waive HIPAA protection'The form informs the doctor that "You are authorized to release any health information that may have a bearing on the request for benefits submitted in conjunction with the travel protection plan"Without the medical records, during the time period noted above, we are unable to determine if this is a payable claimThe Patient Authorization form also includes the following: "If I refuse to sign this authorization, benefits may not be paid under the travel protection plan if additional health information is needed to determine my eligibility for benefits."
We do not require Mrs***'s life time personal information, her complete medical file, and she does not need to include her social security number on the formObtaining medical documentation to support a claim is a common practice in the insurance industryIf 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
August 28,
Re: Name:
*** ***
Revdex.com ID #***
CSA Policy #***
Dear Ms***,
CSA Travel Protection is the administrator of the travel protection plan that *** *** purchased on July 9, 2014. We are in receipt of your letter on this case dated August 12, 2014.
CSA Travel Protection provides travel insurance and emergency assistance plans for consumer purchases. *** *** had purchased one of our travel protection plans online for coverage during a trip July 23, through August 10, 2014. The travel protection plan purchased offers a 10-day free look period, where a customer can review the coverage and request a full refund within days of purchasing, as long as the customer hasn’t left on their trip or filed a claim. After this free look period, the insurance is nonrefundable.
On August 2, 2014, *** *** called to change the dates of coverage to August 7, through August 26, 2014. Since this call was received after the 10-day free look period, and received during the covered trip dates, we require documentation that the customer did not travel on the original itinerary in order to shift the policy coverage to a new itinerary (i.e., we require confirmation that the customer didn’t use the policy coverage as currently stated). Any increase or decrease in plan cost for changing dates of travel would be calculated at that time*** *** was provided the following email addresses to submit his documentation: [email protected].
CSA had not received any correspondence from *** *** at the time he called again on August 7, 2014. At that time, *** *** was provided an alternative email address of [email protected]. CSA confirmed in another phone call on August 11, that we hadn’t received any documentation, and still have not as of the date of this letter. We have conducted internal and external testing, and are experiencing no service issues with these email addresses.
We understand *** ***’s dissatisfaction, but we’re unable to adjust insurance coverage dates without proper documentation that the insured trip has been moved. CSA is committed to providing optimal service to our customers and partners, and we will review the materials submitted as soon as they’re received.
In addition to the email addresses above, documentation can be sent to a toll-free fax line (800) 336-or mailed to CSA Travel Protection / ATTN: Customer Service / Ruffin Road, Suite / San Diego, CA 92123. Additionally, if the Revdex.com is in possession of any documentation of this matter, CSA would gladly accept those for review.
If there is anything additional we can do to investigate this matter, please do not hesitate to contact me directly at (858) 810-or ***@csatp.com.
Sincerely,
*** ***
Compliance Manager
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved, with one additional requestPLEASE Simply state the terms of the insurance in one or two sentences when advertisingNOT in an email laterI did not even have time to review the email under my particular circumstances, but completely believed I was covered and had NO NEED to review it based on the advertising! It is not difficult, and will prevent what happened to me from happening to other consumersThousands of dollars in change fees for flights and people's lives truly DEPEND on this type of wording when advertising!
Thank you for offering the refundI hope, nothing like this ever happens to you.
Regards,
*** ***
Revdex.com OF SAN DIEGOATTN: *** *** *** *** *** *** ** ***
Complainant: *** *** #***Insured: *** ***Claim 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 22, 2015, notifying us of the complaint filed by Ms***.*** *** rented a property from *** *** with scheduled travel dates of May 22, toMay 25, The Property Damage Protection coverage was purchased on May 05, byMs***, who is the Insured under this planAt that time the Description of Coverage, outliningthe plan's coverage and coverage restrictions, was emailed to Ms***On May 27, 2015, we received claim documents from Ms*** indicating that Ms*** haddamaged linens during her stay at the rental propertyThe amount claimed for the purchase ofnew linens was $We were not provided with any photographs of the damaged propertythat was claimedWe contacted Ms*** to confirm that she had damaged the propertyMs.*** denied causing the claimed damagesUnder 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*** has denied responsibility for the damaged linensThis policy only pays for damagescaused by the Insured or their guestsTherefore, we are unable to provide benefits for thisclaimIf you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***Sincerely,
*** ***SrTechnical Claims Speciali t
cc: *** *** ***
*** *** / Director of Claims
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 April 07, 2016, notifying us of the complaint filed by MsTruongThe underwriter has reviewed the file and approved payment as a compromise settlementThe claim will be reopened and a check issued shortlyIf 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: Generali U.SBranch
*** *** / Director of Claims
CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was selectedWe are in receipt of your email dated February 05, 2015, with additionalinformation provided by Mr***Mr*** is upset that his Baggage Delay claim is not being honoredAs stated in our letter toyou on February 05, 2015, the underwriter has approved the claimThe file is being reopenedfor processingIf you have any further questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-Sincerely,
*** ***
SrTechnical Claims Specialist
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***9, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[It is unfortunate that CSA Travel Protection continues to defend their underhanded practicesBelow is an excerpt from the Description of Coverage provided by CSA upon the purchase of the policy:
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 TripThe 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;
The letter provided by our treating physician clearly states that my wife was unfit to flyThis correspondence should fulfill the requirement as outlined by the Description of CoverageAt no place within the Description of Coverage document does it state that the covered party will be required to provide authorization for a CSA representative to review the medical case file of the covered partyProviding this authorization, despite the judgment from CSA, does in fact waive the protections established by HIPAASpecifically, the Privacy Rule within HIPAA that prevents the dissemination of Personal Health Information.
I demand that CSA fulfill the agreement that was entered into when the policy was purchased and refund the entire amount of $2,280.86]
Regards,
*** ***
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 below
The response from CSA is linguistics to avoid paying out a legitimate claim.
First, the coverage was not effective until May as stated in their own policy. The trip departure date clearly says May 31, so how can they then turn around and say she actually "departed by plane from her house for the city the boat goes out of on May 30th so we are gonna arbitrarily change the trip departure date on the policy to May 30th and not cover her." Again, I was never even able to start the trip as documented below so it is a cancellation by the cruise company, not an interruption.
Second, they claim that they only cover stole "passports and visas". I called both the cruise ship company and vacations to go (who sold me their insurance) and they both said a birth certificate was fine for a child and was equivalent to a passport for a child. When we attempted to board the boat, the US Customs officials told us the same thing; if we had my son's birth certificate it would not have a problem. Therefore a stolen birth certificate has the exact same weight and effect as a passport. It is therefore ludicrous that they are refusing to pay a legitimate claim because the name of the document is different, but the effect for traveling purposes is the same.
SCHEDULE OF INSURANCE COVERAGES
Coverage or Service:
Details:
Insureds/Companion:
(left blank for anonymity)
Policy Number:
***
Product Code:
***
Enrollment Date:
Mar 24,
Trip Departure Date:
May 31,
Trip Return Date:
Jun 07,
Trip Cancellation Effective Date:
Mar 25,
Trip Cancellation Expiration Date:
May 31,
All other Coverages & Services Effective Date:
May 31,
All other Coverages & Services Expiration Date:
Jun 07,
Regards,
*** ***
Dear Ms***:
5pt;">
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 September 12, 2015, notifying us of the complaint filed by Mr***
Mr*** booked a rental with scheduled travel dates of March 21, to March 28, The travel protection plan was purchased on January 07, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him
Due to adverse weather, Mr***'s travel to Alabama was delayed and he incurred additional expenses for a hotelHe also claimed the value of one missed night at the rental property and additional gasoline expensesWe were able to reimburse the cost of the additional hotel expense under Travel Delay benefits
In order to qualify for Trip Interruption Benefits, which would cover the missed night at the rental and the additional gasoline expense, certain requirements must be metUnder the heading TRIP INTERRUPTION BENEFIT, the policy states: "if...you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you 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, plus one of the following:...cAdditional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip."
"Covered Events The interruption of road service for hours or more due to adverse weather or natural disaster so as to prohibit you from reaching your destination."
We were unable to obtain documentation to verify an interruption of road service, and Mr*** has not provided this information to usWithout this documentation, we are unable to provide Trip Interruption benefits for this claim
Mr*** is now also claiming the cost of his insurance premiumThis is a nonrefundable cost as outlined in the policy
"10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE - If you are not satisfied for any reason, you may cancel coverage under the policy within days after receiptYour premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your TripReturn the Description of Coverage to us at the Program Administrators office or our authorized agentWhen so returned, the Description of Coverage is void from the beginningAfter this 10-day period, the payment for this coverage is nonrefundable."
If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***
Sincerely,
*** ***
*** *** *** ***
cc: *** *** ***
*** *** / *** ** ***
Dear Ms***:
5pt;">CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchased by Ms***We are in receipt of your email dated September 03, 2015, notifying us of the complaint filed by Ms***Daphane *** rented a property from Ms*** with scheduled travel dates of July 09, to July 12, The Property Damage Protection coverage was purchased on April 03, by Ms***, who is the insured under this planAt that time the Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Ms***On August 04, 2015, we received claim documents from Ms*** indicating that Ms*** had damaged a vintage table and some items were missing from the unitAccording to the documentation provided with Ms***'s claim, Ms*** denied causing any damage to the table and agreed to mail replacement towels to Ms***Under the heading "VACATION RENTAL DAMAGE COVERAGE" it states "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the Actual Cash Value of the property, up to the amount shown in the Schedule."
Ms*** has denied responsibility for the damaged table, and items missing from the rental unit are not covered by this planThis policy only pays for damages caused by the Insured or their guestsTherefore, we must again deny benefits for this claimIf you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***
Sincerely,
*** ***
*** *** *** ***
CC: *** *** ***
*** *** | *** ** ***
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 8/06/16, notifying us of the complaint filed by *** ***The travel protection plan, listing the
insured as *** ***, was purchased on 0/04/16, with coverage for Trip Cancellation commencing on 8/05/At that time a Policy confirmation Letter and Description of Coverage, outlining the plan's coverage restrictions, were sent to the email address provided ***.Later, on 8/04/16, Mr*** called to notify us that he had canceled his flight and wanted to know about coverage for change feesHe was informed that coverage for Trip Cancellation did not begin until the following day, and therefore, no payment could be made for his change feesWe told him that he could contact *** to cancel the policy and receive a premium refund under the 10-day free look period.
Mr***'s 10-day free look period will expire on 8/14/He can contact *** at *** to request his premium refundNo Trip Cancellation benefits can be paid because the trip was canceled before coverage beganCopies of the Policy Confirmation Letter and Description of Coverage are enclosed for your reviewIf you have any questions, please fee free to contact us at *** ***, by email at *** or by FAX at *** ***Sincerely,
*** ***
SrTechnical Claims Specialist
cc: *** *** ***
*** *** / Director of Claims
Revdex.com:The emails I sent into the office clearly are date and time stampedRoofer has the wrong dateThe evidence is all on the documents of my call and text to my builder as well as travel agentI really dont have time to go back and forth over dates when I have copies of all of my documents including date work was completed and reported I love the statement this was foreseenWasn't quite sure I was a meteorologistI purchased insurance at the last minute, due to traveling remains to *** for my family and not being sure when I would be able to make the tripI also see nothing about the flooding in my area which was requested as wellI as well submittedWe are getting no where, I'm requesting arbitration so that we can move onThis is the worst company I have ever dealt with and am tired of the continuous emails to no availThere is no need to contact me directly to discuss, we have been discussing for several monthsI'm not sure why you are contacting me directly, please refrain and go through the Revdex.com, if we could have worked together I wouldn't have had to contact the Revdex.comThanks
CSA Travel Protection and Insurance Services represents *** *** *** as the
administrator of the travel protection plan that was selectedWe are in receipt of your email dated 8/29/16, notifying us of the complaint filed by Ms***Ms*** booked a rental property and purchased the travel insurance plan on 7/28/16, with coverage for Trip Cancellation commencing on 7/29/The trip was canceled due to the illness of a family member that required medical treatment for his conditionIn order to further investigate this claim, we will contact the patient's doctor for additional informationOnce the records are received, we will determine if a change in the determination can be madeIf 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 Spedialist
cc: *** *** ***
*** *** / Director of Claims
February 24, 2015Revdex.com OF SAN DIEGOATTN: [redacted]VIEWRIDGE AVE #200SAN DIEGO, CA 92123Nathan [redacted] #[redacted]Claim Number:
"white-space:pre"> [redacted]Policy Number: [redacted]Travel Dates: September 01, - September 07, 2014Dear Ms[redacted]:CSA Travel Protection and Insurance Services represents Generali Assicurazioni GeneraliS.P.A(U.SBranch) as the administrator of the travel protection plan that was selectedWe arein receipt of your email dated February 17, 2015, notifying us of the complaint filed by Mr[redacted]We have reevaluated the claim and determined that coverage can be affordedThe file will bereopened to process the paymentIf 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
cc: Generali Assicurazioni Generali S.P.A(U.SBranch)[redacted] / Director of Claims
These 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
December 15, [redacted] Revdex.com OF SAN DIEGOVIEWRIDGE AVE #200SAN DIEGO, CA
"white-space:pre">[redacted]Travel Dates: October 13, 2014- October 24, Dear [redacted]:
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 December 10,2014, notifying us of the complaint filed by [redacted] booked a rental property in StCroix and purchased the travel protection plan onApril18, At that time, the Description of Coverage outlining the plan's coverage andcoverage restrictions was emailed to [redacted]
According to the information provided, the property manager of the rental contacted [redacted] and told him he should make alternate vacation plansThe property manager said thatthe rental unit was in the path of Hurricane Gonzalo and would not have powerIn order to qualify for trip cancellation benefits, the reason for the cancellation must be one ofthe Covered Events listed in the policyAs shown in the policy under the heading TripCancellation Benefit Rider- Covered Events:
"A mandatory evacuation (or public official evacuation advisement in geographic areas whereno mandatory evacuation orders are issued by government authorities) at your destination dueto adverse weather or natural disastersWe will only pay benefits for losses occurring within 30calendar days after the evacuation order is issuedIn order to cancel your Trip, you must have 4days or 50% of your total Trip length or less remaining at the time the mandatory evacuationends"There is no evidence of a mandatory evacuation or public official evacuation advisement in St.Croix due to the hurricaneCoverage is also subject to the plan's General Exclusions, "Thefollowing exclusion applies to the Trip Cancellation and Travel Delay coverages: afailure of anytour operator, Common Carrier, or other travel supplier, person or agency to provide thebargained-for travel arrangements other than Financial Insolvency."
The cancellation was not due to one of the plan's Covered Events, and the property managertold [redacted] not to come to the property, thereby failing to provide the bargained-for travelarrangementsAs such, we must reaffirm our original decision that no benefits are payable forthis claimIf you have any questions, please feel free to contact us at [redacted] by email at[redacted] or by FAX a[redacted]Sincerely,
[redacted]
SrTechnical Claims Specialist
cc: General US Branch
[redacted] Director of Claims
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 November 05, 2015, regarding the additional information provided by the complainant.
The Vacation Rental Damage Coverage provided under the plan provides benefits for the accidental damage to the property caused by the named Insured. In this instance, the Insured [redacted] has denied the actions that resulted in damage to the ceiling and the air Conditioning unit. Based on Mr. [redacted]'s assertion, we are unable to pay benefits for this claim. We regret that we were unable to be of service in 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]
cc: [redacted] / [redacted]
Dear Ms[redacted],
" background-">CSA Travel Protection and Insurance Services is the administrator of the travel protection plan purchased by Ms[redacted]We are in receipt of your email dated April 08, 2016, notifying us of the complaint filed by Ms[redacted]The travel protection plan purchased by Ms[redacted] features a 10-day free look period upon purchase, which allows customers to review the coverage for satisfactionIf customers are not satisfied with our coverage after their review, they are able to cancel their coverage within days of purchase for a full refundMs[redacted] contacted our office outside of the 10-day window that expired on April 04, However, as a goodwill customer service gesture, the policy will be canceled and a premium refund of $60,will be providedIf you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]Sincerely,
[redacted]
SrTechnical Claims Specialist
cc: [redacted] / Director of Ciaims
GSA Travel Protection and Insurance Services represents Generali U.S. Branch as the
administrator of the travel protection plan that was purchased. We received your email dated
April 26, 2014, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a...
Carnival Cruise through Vacations to Go with scheduled travel dates of
January 20, 2014 to January 25, 2014. The travel insurance plan was purchased on January
10, 2014. At that time a Policy Confirmation Letter and Policy, outlining the plan's coverage and
coverage restrictions, were emailed to him.
Mr. [redacted]'s trip was interrupted on January 23, 2014, due to a scooter accident in Cozumel
resulting in severe injuries to himself and his wife. The hospital in Cozumel refused to provide
treatment unless they received a Guarantee of Payment for the medical bills. Our plan is in
excess to any other insurance that Mr. and Mrs. [redacted] had, however, payment was
guaranteed for up to $21,000.00 to ensure treatment would be rendered. Mr. [redacted] was
hospitalized in Cozumel until January 31, 2014, when he was taken by air ambulance to a
hospital in the United States for continued treatment.
We received a claim from Mr. [redacted] for $800.00 for damage to the scooter. Our policy does
not provide coverage for loss to or loss due to "rentals of trucks, campers, trailers, motor bikes,
motorcycles, off-road, all-terrain, or recreational vehicles."
Mr. [redacted] also claimed $291.00 to replace his broken eyeglasses. The policy does not pay
for "damage to or loss of ... any type of eyeglasses".
The claim remains open for processing of trip interruption and travel delay expenses, and any
medical expenses that are not covered by Mr. and Mrs. [redacted]'s primary I supplemental
insurance carriers. The amounts payable are subject to the policy maximums and terms and
conditions of the policy. Expenses for emergency dental treatment are covered only if incurred
during a Trip.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Claims Department
CSA is HORRIBLE! I was scheduled to go to Florida December 17-21, 2015 with my pregnant daughter and friend. My daughter went to a routine office visit December 10 and was transferred by ambulance to the hospital because she was in early labor. She delivered her 3 pound 2 oz baby on the exact day we were to check in, December 17, 10 weeks early. The baby spent 46 days in the NICU but apparently CSA does not consider this a reason to refund our money because early labor is not considered a complication of pregnancy. I will never use this travel insurance nor recommend it to anyone. I will always read consumer reviews before using another travel insurance company!
CSA Travel Protection and Insurance Services represents Generali U.SBranch as theadministrator of the travel protection plan that was selectedWhile driving from Scottsdale, Arizona to Taos, New Mexico, Ms*** delayed her travelby one day due to inclement weather
conditionsShe has claimed the prepaid lodging cost forthe missed night in New Mexico.The travel protection plan purchased only provides benefits for a Trip Interruption due to theCovered Events listed in the policyThe plan covers "The interruption of road service for 6hours or more due to adverse weather or natural disaster so as to prohibit you from reachingyour destination."
There is no evidence of a hour road closure due to bad weather that prohibited Ms***from reaching her destinationWe understand Ms***'s choice to delay travel until shefelt comfortable driving, but this is not a covered reason that would allow benefits to be paidWe regret we were unable to be of service in this matterOur claims decision remainsunchangedIf you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-####Sincerely,
*** ***
SrTechnical Claims Specialist
CSA Travel Protection and Insurance Services is the administrator of the travel
protection plan that was purchasedWe are in receipt of your email dated April 15, 2016, notifying us of the complaint filed by Mr***Mrand Mrs*** canceled their trip to Paris on November 27, 2015, due to the recommendation of Mrs***'s doctor that she not flyA letter written by Dr*** was provided to us indicating that Mrs***'s estimated delivery date is in June Coverage under the policy is subject to the plan's terms and conditionsUnder the heading General Plan Exclusions it states:
"The following exclusions apply to all coverages: We will not pay for any loss under the plan caused by, or resulting frompregnancy or resulting childbirth or elective abortion"Based on the minimal information provided in the doctor's letter, we are unable to confirm whether this exclusion will apply to this lossWe had requested a Patient Authorization form be completed, which would allow us to obtain additional documentation from the treating doctorThis request has been declined by Mrand Mrs***In order to Continue processing the claim, we will need authorization to contact Dr*** for Mrs***'s records between 10/01/through 11/27/This will allow us to confirm whether this was a pregnancy, or if there were complications of the pregnancyBenefits can be considered if there were complications of the pregnancy during the above time period
The Patient Authorization form does not require Mrs*** to 'waive HIPAA protection'The form informs the doctor that "You are authorized to release any health information that may have a bearing on the request for benefits submitted in conjunction with the travel protection plan"Without the medical records, during the time period noted above, we are unable to determine if this is a payable claimThe Patient Authorization form also includes the following: "If I refuse to sign this authorization, benefits may not be paid under the travel protection plan if additional health information is needed to determine my eligibility for benefits."
We do not require Mrs***'s life time personal information, her complete medical file, and she does not need to include her social security number on the formObtaining medical documentation to support a claim is a common practice in the insurance industryIf 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
August 28,
Re: Name:
*** ***
Revdex.com ID #***
CSA Policy #***
Dear Ms***,
CSA Travel Protection is the administrator of the travel protection plan that *** *** purchased on July 9, 2014. We are in receipt of your letter on this case dated August 12, 2014.
CSA Travel Protection provides travel insurance and emergency assistance plans for consumer purchases. *** *** had purchased one of our travel protection plans online for coverage during a trip July 23, through August 10, 2014. The travel protection plan purchased offers a 10-day free look period, where a customer can review the coverage and request a full refund within days of purchasing, as long as the customer hasn’t left on their trip or filed a claim. After this free look period, the insurance is nonrefundable.
On August 2, 2014, *** *** called to change the dates of coverage to August 7, through August 26, 2014. Since this call was received after the 10-day free look period, and received during the covered trip dates, we require documentation that the customer did not travel on the original itinerary in order to shift the policy coverage to a new itinerary (i.e., we require confirmation that the customer didn’t use the policy coverage as currently stated). Any increase or decrease in plan cost for changing dates of travel would be calculated at that time*** *** was provided the following email addresses to submit his documentation: [email protected].
CSA had not received any correspondence from *** *** at the time he called again on August 7, 2014. At that time, *** *** was provided an alternative email address of [email protected]. CSA confirmed in another phone call on August 11, that we hadn’t received any documentation, and still have not as of the date of this letter. We have conducted internal and external testing, and are experiencing no service issues with these email addresses.
We understand *** ***’s dissatisfaction, but we’re unable to adjust insurance coverage dates without proper documentation that the insured trip has been moved. CSA is committed to providing optimal service to our customers and partners, and we will review the materials submitted as soon as they’re received.
In addition to the email addresses above, documentation can be sent to a toll-free fax line (800) 336-or mailed to CSA Travel Protection / ATTN: Customer Service / Ruffin Road, Suite / San Diego, CA 92123. Additionally, if the Revdex.com is in possession of any documentation of this matter, CSA would gladly accept those for review.
If there is anything additional we can do to investigate this matter, please do not hesitate to contact me directly at (858) 810-or ***@csatp.com.
Sincerely,
*** ***
Compliance Manager
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved, with one additional requestPLEASE Simply state the terms of the insurance in one or two sentences when advertisingNOT in an email laterI did not even have time to review the email under my particular circumstances, but completely believed I was covered and had NO NEED to review it based on the advertising! It is not difficult, and will prevent what happened to me from happening to other consumersThousands of dollars in change fees for flights and people's lives truly DEPEND on this type of wording when advertising!
Thank you for offering the refundI hope, nothing like this ever happens to you.
Regards,
*** ***
Revdex.com OF SAN DIEGOATTN: *** *** *** *** *** *** ** ***
Complainant: *** *** #***Insured: *** ***Claim 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 22, 2015, notifying us of the complaint filed by Ms***.*** *** rented a property from *** *** with scheduled travel dates of May 22, toMay 25, The Property Damage Protection coverage was purchased on May 05, byMs***, who is the Insured under this planAt that time the Description of Coverage, outliningthe plan's coverage and coverage restrictions, was emailed to Ms***On May 27, 2015, we received claim documents from Ms*** indicating that Ms*** haddamaged linens during her stay at the rental propertyThe amount claimed for the purchase ofnew linens was $We were not provided with any photographs of the damaged propertythat was claimedWe contacted Ms*** to confirm that she had damaged the propertyMs.*** denied causing the claimed damagesUnder 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*** has denied responsibility for the damaged linensThis policy only pays for damagescaused by the Insured or their guestsTherefore, we are unable to provide benefits for thisclaimIf you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***Sincerely,
*** ***SrTechnical Claims Speciali t
cc: *** *** ***
*** *** / Director of Claims
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 April 07, 2016, notifying us of the complaint filed by MsTruongThe underwriter has reviewed the file and approved payment as a compromise settlementThe claim will be reopened and a check issued shortlyIf 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: Generali U.SBranch
*** *** / Director of Claims
CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was selectedWe are in receipt of your email dated February 05, 2015, with additionalinformation provided by Mr***Mr*** is upset that his Baggage Delay claim is not being honoredAs stated in our letter toyou on February 05, 2015, the underwriter has approved the claimThe file is being reopenedfor processingIf you have any further questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-Sincerely,
*** ***
SrTechnical Claims Specialist
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***9, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[It is unfortunate that CSA Travel Protection continues to defend their underhanded practicesBelow is an excerpt from the Description of Coverage provided by CSA upon the purchase of the policy:
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 TripThe 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;
The letter provided by our treating physician clearly states that my wife was unfit to flyThis correspondence should fulfill the requirement as outlined by the Description of CoverageAt no place within the Description of Coverage document does it state that the covered party will be required to provide authorization for a CSA representative to review the medical case file of the covered partyProviding this authorization, despite the judgment from CSA, does in fact waive the protections established by HIPAASpecifically, the Privacy Rule within HIPAA that prevents the dissemination of Personal Health Information.
I demand that CSA fulfill the agreement that was entered into when the policy was purchased and refund the entire amount of $2,280.86]
Regards,
*** ***
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 below
The response from CSA is linguistics to avoid paying out a legitimate claim.
First, the coverage was not effective until May as stated in their own policy. The trip departure date clearly says May 31, so how can they then turn around and say she actually "departed by plane from her house for the city the boat goes out of on May 30th so we are gonna arbitrarily change the trip departure date on the policy to May 30th and not cover her." Again, I was never even able to start the trip as documented below so it is a cancellation by the cruise company, not an interruption.
Second, they claim that they only cover stole "passports and visas". I called both the cruise ship company and vacations to go (who sold me their insurance) and they both said a birth certificate was fine for a child and was equivalent to a passport for a child. When we attempted to board the boat, the US Customs officials told us the same thing; if we had my son's birth certificate it would not have a problem. Therefore a stolen birth certificate has the exact same weight and effect as a passport. It is therefore ludicrous that they are refusing to pay a legitimate claim because the name of the document is different, but the effect for traveling purposes is the same.
SCHEDULE OF INSURANCE COVERAGES
Coverage or Service:
Details:
Insureds/Companion:
(left blank for anonymity)
Policy Number:
***
Product Code:
***
Enrollment Date:
Mar 24,
Trip Departure Date:
May 31,
Trip Return Date:
Jun 07,
Trip Cancellation Effective Date:
Mar 25,
Trip Cancellation Expiration Date:
May 31,
All other Coverages & Services Effective Date:
May 31,
All other Coverages & Services Expiration Date:
Jun 07,
Regards,
*** ***
Dear Ms***:
5pt;">
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 September 12, 2015, notifying us of the complaint filed by Mr***
Mr*** booked a rental with scheduled travel dates of March 21, to March 28, The travel protection plan was purchased on January 07, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him
Due to adverse weather, Mr***'s travel to Alabama was delayed and he incurred additional expenses for a hotelHe also claimed the value of one missed night at the rental property and additional gasoline expensesWe were able to reimburse the cost of the additional hotel expense under Travel Delay benefits
In order to qualify for Trip Interruption Benefits, which would cover the missed night at the rental and the additional gasoline expense, certain requirements must be metUnder the heading TRIP INTERRUPTION BENEFIT, the policy states: "if...you are unable to continue the Trip due to one of the unforeseeable Covered Events listed below that occur during your Trip dates to you or your Traveling Companion, we will reimburse you 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, plus one of the following:...cAdditional transportation expenses incurred to rejoin the Trip in progress from the point where you interrupted your Trip."
"Covered Events The interruption of road service for hours or more due to adverse weather or natural disaster so as to prohibit you from reaching your destination."
We were unable to obtain documentation to verify an interruption of road service, and Mr*** has not provided this information to usWithout this documentation, we are unable to provide Trip Interruption benefits for this claim
Mr*** is now also claiming the cost of his insurance premiumThis is a nonrefundable cost as outlined in the policy
"10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE - If you are not satisfied for any reason, you may cancel coverage under the policy within days after receiptYour premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your TripReturn the Description of Coverage to us at the Program Administrators office or our authorized agentWhen so returned, the Description of Coverage is void from the beginningAfter this 10-day period, the payment for this coverage is nonrefundable."
If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***
Sincerely,
*** ***
*** *** *** ***
cc: *** *** ***
*** *** / *** ** ***
Dear Ms***:
5pt;">CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchased by Ms***We are in receipt of your email dated September 03, 2015, notifying us of the complaint filed by Ms***Daphane *** rented a property from Ms*** with scheduled travel dates of July 09, to July 12, The Property Damage Protection coverage was purchased on April 03, by Ms***, who is the insured under this planAt that time the Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Ms***On August 04, 2015, we received claim documents from Ms*** indicating that Ms*** had damaged a vintage table and some items were missing from the unitAccording to the documentation provided with Ms***'s claim, Ms*** denied causing any damage to the table and agreed to mail replacement towels to Ms***Under the heading "VACATION RENTAL DAMAGE COVERAGE" it states "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the Actual Cash Value of the property, up to the amount shown in the Schedule."
Ms*** has denied responsibility for the damaged table, and items missing from the rental unit are not covered by this planThis policy only pays for damages caused by the Insured or their guestsTherefore, we must again deny benefits for this claimIf you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***
Sincerely,
*** ***
*** *** *** ***
CC: *** *** ***
*** *** | *** ** ***
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 8/06/16, notifying us of the complaint filed by *** ***The travel protection plan, listing the
insured as *** ***, was purchased on 0/04/16, with coverage for Trip Cancellation commencing on 8/05/At that time a Policy confirmation Letter and Description of Coverage, outlining the plan's coverage restrictions, were sent to the email address provided ***.Later, on 8/04/16, Mr*** called to notify us that he had canceled his flight and wanted to know about coverage for change feesHe was informed that coverage for Trip Cancellation did not begin until the following day, and therefore, no payment could be made for his change feesWe told him that he could contact *** to cancel the policy and receive a premium refund under the 10-day free look period.
Mr***'s 10-day free look period will expire on 8/14/He can contact *** at *** to request his premium refundNo Trip Cancellation benefits can be paid because the trip was canceled before coverage beganCopies of the Policy Confirmation Letter and Description of Coverage are enclosed for your reviewIf you have any questions, please fee free to contact us at *** ***, by email at *** or by FAX at *** ***Sincerely,
*** ***
SrTechnical Claims Specialist
cc: *** *** ***
*** *** / Director of Claims
Revdex.com:The emails I sent into the office clearly are date and time stampedRoofer has the wrong dateThe evidence is all on the documents of my call and text to my builder as well as travel agentI really dont have time to go back and forth over dates when I have copies of all of my documents including date work was completed and reported I love the statement this was foreseenWasn't quite sure I was a meteorologistI purchased insurance at the last minute, due to traveling remains to *** for my family and not being sure when I would be able to make the tripI also see nothing about the flooding in my area which was requested as wellI as well submittedWe are getting no where, I'm requesting arbitration so that we can move onThis is the worst company I have ever dealt with and am tired of the continuous emails to no availThere is no need to contact me directly to discuss, we have been discussing for several monthsI'm not sure why you are contacting me directly, please refrain and go through the Revdex.com, if we could have worked together I wouldn't have had to contact the Revdex.comThanks
CSA Travel Protection and Insurance Services represents *** *** *** as the
administrator of the travel protection plan that was selectedWe are in receipt of your email dated 8/29/16, notifying us of the complaint filed by Ms***Ms*** booked a rental property and purchased the travel insurance plan on 7/28/16, with coverage for Trip Cancellation commencing on 7/29/The trip was canceled due to the illness of a family member that required medical treatment for his conditionIn order to further investigate this claim, we will contact the patient's doctor for additional informationOnce the records are received, we will determine if a change in the determination can be madeIf 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 Spedialist
cc: *** *** ***
*** *** / Director of Claims
February 24, 2015Revdex.com OF SAN DIEGOATTN: [redacted]VIEWRIDGE AVE #200SAN DIEGO, CA 92123Nathan [redacted] #[redacted]Claim Number:
"white-space:pre"> [redacted]Policy Number: [redacted]Travel Dates: September 01, - September 07, 2014Dear Ms[redacted]:CSA Travel Protection and Insurance Services represents Generali Assicurazioni GeneraliS.P.A(U.SBranch) as the administrator of the travel protection plan that was selectedWe arein receipt of your email dated February 17, 2015, notifying us of the complaint filed by Mr[redacted]We have reevaluated the claim and determined that coverage can be affordedThe file will bereopened to process the paymentIf 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
cc: Generali Assicurazioni Generali S.P.A(U.SBranch)[redacted] / Director of Claims
These 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
December 15, [redacted] Revdex.com OF SAN DIEGOVIEWRIDGE AVE #200SAN DIEGO, CA
"white-space:pre">[redacted]Travel Dates: October 13, 2014- October 24, Dear [redacted]:
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 December 10,2014, notifying us of the complaint filed by [redacted] booked a rental property in StCroix and purchased the travel protection plan onApril18, At that time, the Description of Coverage outlining the plan's coverage andcoverage restrictions was emailed to [redacted]
According to the information provided, the property manager of the rental contacted [redacted] and told him he should make alternate vacation plansThe property manager said thatthe rental unit was in the path of Hurricane Gonzalo and would not have powerIn order to qualify for trip cancellation benefits, the reason for the cancellation must be one ofthe Covered Events listed in the policyAs shown in the policy under the heading TripCancellation Benefit Rider- Covered Events:
"A mandatory evacuation (or public official evacuation advisement in geographic areas whereno mandatory evacuation orders are issued by government authorities) at your destination dueto adverse weather or natural disastersWe will only pay benefits for losses occurring within 30calendar days after the evacuation order is issuedIn order to cancel your Trip, you must have 4days or 50% of your total Trip length or less remaining at the time the mandatory evacuationends"There is no evidence of a mandatory evacuation or public official evacuation advisement in St.Croix due to the hurricaneCoverage is also subject to the plan's General Exclusions, "Thefollowing exclusion applies to the Trip Cancellation and Travel Delay coverages: afailure of anytour operator, Common Carrier, or other travel supplier, person or agency to provide thebargained-for travel arrangements other than Financial Insolvency."
The cancellation was not due to one of the plan's Covered Events, and the property managertold [redacted] not to come to the property, thereby failing to provide the bargained-for travelarrangementsAs such, we must reaffirm our original decision that no benefits are payable forthis claimIf you have any questions, please feel free to contact us at [redacted] by email at[redacted] or by FAX a[redacted]Sincerely,
[redacted]
SrTechnical Claims Specialist
cc: General US Branch
[redacted] Director of Claims
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 November 05, 2015, regarding the additional information provided by the complainant.
The Vacation Rental Damage Coverage provided under the plan provides benefits for the accidental damage to the property caused by the named Insured. In this instance, the Insured [redacted] has denied the actions that resulted in damage to the ceiling and the air Conditioning unit. Based on Mr. [redacted]'s assertion, we are unable to pay benefits for this claim. We regret that we were unable to be of service in 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]
cc: [redacted] / [redacted]
Dear Ms[redacted],
" background-">CSA Travel Protection and Insurance Services is the administrator of the travel protection plan purchased by Ms[redacted]We are in receipt of your email dated April 08, 2016, notifying us of the complaint filed by Ms[redacted]The travel protection plan purchased by Ms[redacted] features a 10-day free look period upon purchase, which allows customers to review the coverage for satisfactionIf customers are not satisfied with our coverage after their review, they are able to cancel their coverage within days of purchase for a full refundMs[redacted] contacted our office outside of the 10-day window that expired on April 04, However, as a goodwill customer service gesture, the policy will be canceled and a premium refund of $60,will be providedIf you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]Sincerely,
[redacted]
SrTechnical Claims Specialist
cc: [redacted] / Director of Ciaims
GSA Travel Protection and Insurance Services represents Generali U.S. Branch as the
administrator of the travel protection plan that was purchased. We received your email dated
April 26, 2014, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a...
Carnival Cruise through Vacations to Go with scheduled travel dates of
January 20, 2014 to January 25, 2014. The travel insurance plan was purchased on January
10, 2014. At that time a Policy Confirmation Letter and Policy, outlining the plan's coverage and
coverage restrictions, were emailed to him.
Mr. [redacted]'s trip was interrupted on January 23, 2014, due to a scooter accident in Cozumel
resulting in severe injuries to himself and his wife. The hospital in Cozumel refused to provide
treatment unless they received a Guarantee of Payment for the medical bills. Our plan is in
excess to any other insurance that Mr. and Mrs. [redacted] had, however, payment was
guaranteed for up to $21,000.00 to ensure treatment would be rendered. Mr. [redacted] was
hospitalized in Cozumel until January 31, 2014, when he was taken by air ambulance to a
hospital in the United States for continued treatment.
We received a claim from Mr. [redacted] for $800.00 for damage to the scooter. Our policy does
not provide coverage for loss to or loss due to "rentals of trucks, campers, trailers, motor bikes,
motorcycles, off-road, all-terrain, or recreational vehicles."
Mr. [redacted] also claimed $291.00 to replace his broken eyeglasses. The policy does not pay
for "damage to or loss of ... any type of eyeglasses".
The claim remains open for processing of trip interruption and travel delay expenses, and any
medical expenses that are not covered by Mr. and Mrs. [redacted]'s primary I supplemental
insurance carriers. The amounts payable are subject to the policy maximums and terms and
conditions of the policy. Expenses for emergency dental treatment are covered only if incurred
during a Trip.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at
[email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Claims Department
CSA is HORRIBLE! I was scheduled to go to Florida December 17-21, 2015 with my pregnant daughter and friend. My daughter went to a routine office visit December 10 and was transferred by ambulance to the hospital because she was in early labor. She delivered her 3 pound 2 oz baby on the exact day we were to check in, December 17, 10 weeks early. The baby spent 46 days in the NICU but apparently CSA does not consider this a reason to refund our money because early labor is not considered a complication of pregnancy. I will never use this travel insurance nor recommend it to anyone. I will always read consumer reviews before using another travel insurance company!