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.Other than the letter that was sent to Revdex.com that the company would do further investigation, I have not heard anything. I do not consider it resolved just because they said they would look further into it.
Regards,
[redacted]
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated May 09, 2015, with the additional information submitted by Ms. [redacted].
Ms. [redacted] still feels that our advertising was misleading and requests that we reconsiderpayment of the claim. Unfortunately, we are unable to change our decision.
Ms. [redacted] canceled the trip due to illness, but did not seek in-person treatment by a doctoras required by the policy. We did confirm with [redacted] that a Description ofCoverage, outlining the plan's coverage and coverage restrictions, was emailed to Ms. [redacted]at the time of purchase.
In order to remain fair and consistent, we must abide by the terms and conditions set forth in thepolicy when processing claims. Policy requirements that would allow payment of the claim werenot met, and we must again deny payment.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
cc: [redacted] / Director of Claims
Dear Ms. [redacted]:
5pt;">CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated February 06, 2016, notifying us of the complaint filed by Mr. [redacted].
We have reevaluated this claim and determined that benefits will be paid. The claim will be reopened and the check issued shortly.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
[redacted] May 08, 2015Revdex.com OF SAN DIEGO[redacted]
Complaint ID Number: [redacted]Complainant/Policyholder: [redacted]Claim Number:...
[redacted]Policy Number: [redacted]Travel Dates: March 15, 2015- March 19, 2015Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated May 04, 2015, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] indicates in her complaint that she feels she was misled into purchasing the travelinsurance plan based on information she found on [redacted]' website. Sheclicked on a link that provided some basic information about the travel protection plan, and shequoted a portion of that document in her complaint. The second page of that document listsmore specific information about the plan, and states that the "Benefits and services aredescribed on a general basis only." The customer is encouraged to contact us or go on ourwebsite to view a sample Description of Coverage. [redacted] verified that a
Description of Coverage was emailed to Ms. [redacted] at the time of the plan purchase.Due to an illness, Ms. [redacted] canceled the booking. Trip Cancellation benefits are provided ifa trip is canceled due to an illness when certain requirements are met. Under the heading TripCancellation Benefit, "Covered Events:1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or yourService Animal. The Sickness or Injury must first commence while your coverage is in effectunder the Policy, must require the in-person treatment by a Physician, and must be so disablingin the written opinion of a Physician as to prevent you from taking your Trip".
Ms. [redacted] did not seek in-person treatment by a Physician as required by the policy.Therefore, we must reaffirm our original decision that no benefits can be paid for this claim. Acopy of the website document referenced in the complaint and the Description of Coverage areenclosed for your review.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
cc: [redacted] I Director of Claims
Dear Ms. [redacted]:
5pt;">CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was selected. We are in receipt of your email providing additional information from Mr. [redacted].
The claim is not payable and based on our previous explanation, Mr. [redacted] did not qualify for a premium refund under the 10-day free look period. However, in an effort to settle this matter and as a customer service gesture, we will rescind the policy and refund the $105.67 plan cost to Mr. [redacted]. Please confirm that Mr. [redacted] will accept this offer of the premium refund.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted].
Sincerely,
[redacted]
Sr. Technical Specialist
cc: [redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents [redacted] as the...
administrator of the travel protection plan that was purchased. We are in receipt of your email dated 10/11/16, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] booked a rental property through [redacted] with scheduled travel dates of 07/23/16 to 07/23/16. The insurance plan was purchased on 06/04/16, with coverage for Trip Cancellation commencing on 06/05/16. The trip was canceled on 06/30/16, due to the illness of her father.
The policy provides benefits for a cancellation due to the Sickness of a Family Member when certain requirements are met, "The Sickness or injury must first commence while your coverage is in effect under the Policy". Coverage is also subject to the plan's terms and General Exclusions, "We will not pay for any loss under this Policy, caused by, or resulting from...a loss that results from an illness, disease, or other Condition, event or circumstance which occurs at a time when coverage is not in effect for you".
According to the information obtained to investigate the claim, the patient was referred by his dentist to [redacted] for a biopsy. This biopsy took place on 06/03/16, prior to coverage beginning under the travel insurance plan. Ms. [redacted]'s father may not have informed her of his medical issues prior to her booking the trip, however, this does not change the terms and conditions set forth in the policy. The medical condition commenced prior to coverage going into effect under the Policy. Therefore, regretfully, we are unable to provide benefits for this claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
PLEASE RE OPEN THE CASE AND POST WE ARE NOT IN AGREEMENT WITH COMPANY BECAUSE THERE IS NO CONCLUSION ON THE MEDICAL INFO PROVIDED.
.- WE WILL HAVE TO WAIT , AS YOU MENTION , FOR THE RESPONSE OF THE MEDICAL REVISION AND OPINION ON THE FILES, AND PLEASE REFER TO DOCTORS REFFERED IN OUR DESCRIPTION , DOCTORS FROM THE VETERANS HOSPITAL ADMIN. THAT WHERE IN CHARGE OF [redacted] , MY FATHER Z”L , THEY CAN NOT DENY WHAT WE ARE SAYING SINCE IT IS THE PRECISE DESCRIPTION OF EVENTS AS THEY WHERE PRESENTED TO US AND TO DOCTORS BEST KNOWLEDGE .
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The property was inspected after Ms [redacted] and her guests departed. The linens were seen to be stained. The linens were stain treated and washed, two times. The stains appear to be from a body loton or body oils.
I understand Ms [redacted] is saying she did not knowingly cause damage to the linens. The fact remains the linens used during her stay are unusable and I have purchased new linens to replace them.
I have submitted numerous photos showing the stains.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
In the military you can only get official approval of leave within 30 days from wanting to take leave. The leave is approved by your supervisor. However; typically before you pay for a trip you will get an okay. Knowing that this okay could become a blackout of taking leave I purchased insurance because of the cancellation policy of the rental. The only proof I was allowed to provide was the email from my unit detailing the high possibility of my deployment. CSA wants too much. I'm not allowed to get with commanders and give detailed descriptions or orders of where I am going and exactly when. CSA seems to have a loop hole for everything. I have done research and I have been hard pressed to read a testimonial or review other than on CSA's own site about a claim being paid out without a battle. If they don't want to live up to the claim I want every military person to be made aware of what constitutes an event and leave being cancelled. Cause I assure you if I knew I would need a letter from my commander and approved leave slips and other erroneous versions of proof I would have looked elsewhere for travel insurance and so would my fellow service men. This company has ripped me off and did so gladly. They claim they are sorry cause they "can not" but honestly they "will not".
Regards,
[redacted]
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated January 26, 2016, requesting documentation verifying our compensation of $222.12 to [redacted].
Enclosed are two screen-prints of our system showing the payment made to Ms. [redacted] on Thursday, January 14, 2016 and showing the address where the check was mailed. Please note there is typically a two business-day processing time from the date the check prints until it leaves our office. However, as Martin Luther King, Jr. Day was a United States Postal holiday, Ms. [redacted]'s check actually left our office on Tuesday, January 19, 2016.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted].
Sincerely,
[redacted]
Technical Specialist
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated 10/26/16, with additional information provided by Ms. [redacted]
We cannot predetermine the outcome of a claim until we have been provided with all of thesupporting documentation. Additionally, our customer service will not guarantee coverage, butinstructs the customer to submit their documents for review. This plan does not provide benefitsfor a cancellation due to a travel advisory or the uncertainty of scheduling for a house saleclosing process.
Based on the information provided by Ms. [redacted], it does not appear that she will have apayable claim. However, if she wants submit her claim documentation for review, we willinvestigate the claim for coverage.
If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670. Please ensure the claim numberis included with your response.Sincerely,[redacted]Sr. Technical Claims Spe ialistcc: Generali U.S. Branch[redacted] I Director of Claims
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated June 06, 2015, notifying us of the complaint filed by Ms. [redacted].
Ms....
[redacted] had to cancel her trip because her husband had to obtain recertification of hisparamedic license for his job. He was unable to attend an earlier class, and had to rescheduleduring the trip dates. She has requested that the claim be reconsidered under the following TripCancellation Covered Event:"Being required to take an academic examination on a date that has been fixed after yourcoverage was purchased, and the examination date falls within your Trip dates".
A class to recertify a work-required license is not considered an academic examination.Therefore, regretfully, we are unable to provide benefits for this claim.
If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]Sr. Technical Claims Speci list
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.
My husband and I are caught in the middle. Both companies agree our money should be refunded. Yet CSA believes that [redacted] Properties should refund our money, and [redacted] believes that CSA Travel Protection should refund our money. In the meantime, NO one is refunding our money. The information that CSA provided in their reply to our complaint appears to state fact but not all the facts. In their letter [redacted] Properties (their business partner) should honor the agreement and refund our money. Yet [redacted] is NOT honoring their agreement as stated by CSA. They have stated they believe it’s CSA who should refund our money. Basically, this is looking more and more like these two companies planned it this way. By going back and forth like this, they collected $9,461.28 for nothing.
Revdex.com OF SAN DIEGO August 08, 2014
ATTN: [redacted]
5050 MURPHY CANYON ROAD #11 0
SAN DIEGO, CA 92123
[redacted] # [redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: May 31, 2014- June 07, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated August 04, 2014, providing us with additional information from Ms. [redacted].
Ms. [redacted] contends that this was a trip cancellation instead of a trip interruption based on the May 31, 2014 departure date listed on the policy. Due to the circumstance that caused the loss,
the trip departure date would not change the outcome of the claims decision. Regarding this loss, the Covered Events for Trip Cancellation Benefits and Trip Interruption Benefits are exactly the same. The plan covers only "A documented theft of your passports or visas".
The cruise line may have agreed to accept a birth certificate instead of a passport for the child to board the ship, but the terms and conditions of the travel protection plan allows only specific Covered Events for a trip cancellation. Regretfully, we are unable to change our decision.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims SR cialist
cc: Generali U.S. Branch
[redacted] I Director of Claims
June 24, 2015Re: Revdex.com ID #[redacted] Complainant: [redacted] CSA Policy Number: [redacted]
Dear Ms. [redacted],
CSA Travel Protection and Insurance Services represents [redacted] (NAIC #[redacted]) as the administrator of...
thetravel protection plan that [redacted] purchased through [redacted] on January 29, 2015. We are in receipt ofyour complaint correspondence dated June 12, 2015.CSA Travel Protection provides travel insurance and emergency assistance plans for consumer purchase. Mr. [redacted]purchased our travel protection plan through [redacted], in conjunction with the purchase of [redacted] Resorts travelarrangements and/or accommodations. Upon purchase on January 29, 2015, a policy confirmation letter and full detailsof the travel protection plan were sent to the requested email address of [redacted] (attached).
The travel protection plan offers a variety of travel-related insurance coverages to insured travelers. The plan features a10-Day Free Look upon purchase, which allows customers to review the coverage for satisfaction. If customers are notsatisfied with our coverage after their review, they are able to return the plan within 10 days of purchase for a full refund.After this 10-Day free look period, the plan is non-refundable. Since Mr. [redacted]'s refund request was received on June8, 2015, over 4 months after purchase, the request was denied.
In his complaint submitted to the Revdex.com on June 11 , 2015, Mr. [redacted] alleges that he specifically declined the offer oftravel insurance on his arrangements booked through [redacted]. In our investigation, we discovered that our ICEGallery agent was not able to document Mr. [redacted]'s affirmative selection of the travel insurance. Therefore, ICEGallery issued-a refund to the customer of $679.00 on June 9, 2015. We will work with our agent to cancel Mr. [redacted]'spolicy coverage in our system, and now consider this complaint to be resolved to the customer's satisfaction.
CSA is committed to providing optimal service to our customers and partners, and we appreciate the opportunity to auditour processes. If you have any questions, or require any further information, please do not hesitate to contact me directlyat [redacted] or [redacted].
Sincerely,
[redacted]Director of Compliance & Licensing
Cc: [redacted] [redacted]. [redacted]
[redacted]
Cc: [redacted]
CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was selected. We are in receipt of your emaildated March 27, 2015 regarding a complaint filed by [redacted] on behalf of...
Edith[redacted].Mrs. [redacted] filed a Trip Cancellation claim on January 23, 2015 and the matter was resolvedand a check in the amount of $2,998.00 was issued on February 26, 2015. The check wasmailed to 8703 Yarmouth Court Potomac, MD 20854 as this was the address provided on thesubmitted claim form. On March 12, 2015 Mrs. [redacted] notified CSA Travel Protection that thecheck was not received. A stop payment was placed on the check and a new check was issuedand mailed to the same address on March 23, 2015. CSA Travel Protection providesreimbursement by issuing a check and mailing it via the United States Postal Service.
Unfortunately the initial check that was issued was lost in the mail.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted]. Please ensure the claim numberis included with your response.
Sincerely,
[redacted]
Claims Department Supervisor
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.
This is the same exact letter that we received the very first time we made a claim to them. This is the “lowest on the totem pole” agent. I spent my time working with his supervisor [redacted] and HIS supervisor. How absurd is that “the insured denied the actions that resulted in the damage”. He LIED. We have PROOF. So this is how a company does business.
This is patently ridiculous and we insist that you do NOT CONSIDER THIS CLAIM RESOLVED. It is not!
Regards,
[redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the...
administrator of the travel protection plan that was purchased. We are in receipt of your email dated 9/19/16, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a rental property through [redacted] with scheduled travel dates of July 23, 2016 to July 30, 2016. The Trip was canceled because Mr. [redacted] had to care for a member of the family who was unable to travel.
The policy provides Trip Cancellation benefits due to the illness of a Family Member when certain requirements are met. As stated under the heading Trip Cancellation Benefit, Covered Events:
"1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or injury must first Commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care)".
In order to confirm that the above policy requirements have been met, we have requested that Mr. [redacted] provide us with a Physician's Statement completed by the patient's doctor, and a Patient Authorization form, which may be needed to obtain information from the doctor. At this time, these documents have not been provided to us,
Mr. [redacted] has indicated that employees of [redacted] gave him the impression that the travel insurance plan purchased provides cancel for any reason Coverage. The plan only provides benefits for the specific Covered Events listed in the policy. The claims representative handling his claim did apologize to Mr. [redacted] if [redacted] had given him misleading information about the plan. She explained that in order for us to process his claim, we do need to have supporting documentation to confirm all policy requirements have been met. Upon receipt of the requested forms, we can continue to process this claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
c: [redacted]
[redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the...
administrator of the travel protection plan that was purchased. We are in receipt of your email dated 9/10/16, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a cruise through Vacations to Go, and made final payment for the cruise on 11/24/15. On 12/01/15, he purchased the travel insurance plan, with Trip Cancellation coverage commencing on 12/02/15. 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 due to the illness and subsequent death of a Family Member.
The policy provides Trip Cancellation benefits due to the illness of a Family Member when certain requirements are met. As shown under the heading "TRIP CANCELLATION BENEFIT
Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, 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...
Covered Events:
1. The Sickness, injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or injury must first commence while your coverage is in effect under the Policy".
Coverage is also subject to the plan's terms and "GENERAL EXCLUSIONS
1. We will not pay for any loss under this Policy, caused by, or resulting from... s. a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage is not in effect for you; t. any issue or event that could have been reasonably foreseen or expected when you purchased the coverage."
According to the medical records obtained to investigate the claim, the patient was hospitalized beginning on 11/28/15. His condition worsened and he was transferred to palliative care on 12/04/15, and passed away on 12/08/15.
The patient's illness commenced prior to the policy effective date, and the loss was reasonably foreseen or expected when the plan was purchased. Therefore, we must reaffirm our decision that no benefits are payable for this claim.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: General U.S. Branch
[redacted] / Director of Claims
Hello,
We are waiting on the following claims. I have provide the last name of the claimant and the amount due to Apex from CSA. CSA does not provide claim numbers.
CSA: Dr.
[redacted] Party
[redacted] Bedding
203.09
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.Other than the letter that was sent to Revdex.com that the company would do further investigation, I have not heard anything. I do not consider it resolved just because they said they would look further into it.
Regards,
[redacted]
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated May 09, 2015, with the additional information submitted by Ms. [redacted].
Ms. [redacted] still feels that our advertising was misleading and requests that we reconsiderpayment of the claim. Unfortunately, we are unable to change our decision.
Ms. [redacted] canceled the trip due to illness, but did not seek in-person treatment by a doctoras required by the policy. We did confirm with [redacted] that a Description ofCoverage, outlining the plan's coverage and coverage restrictions, was emailed to Ms. [redacted]at the time of purchase.
In order to remain fair and consistent, we must abide by the terms and conditions set forth in thepolicy when processing claims. Policy requirements that would allow payment of the claim werenot met, and we must again deny payment.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
cc: [redacted] / Director of Claims
Dear Ms. [redacted]:
5pt;">CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated February 06, 2016, notifying us of the complaint filed by Mr. [redacted].
We have reevaluated this claim and determined that benefits will be paid. The claim will be reopened and the check issued shortly.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
[redacted] May 08, 2015Revdex.com OF SAN DIEGO[redacted]
Complaint ID Number: [redacted]Complainant/Policyholder: [redacted]Claim Number:...
[redacted]Policy Number: [redacted]Travel Dates: March 15, 2015- March 19, 2015Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated May 04, 2015, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] indicates in her complaint that she feels she was misled into purchasing the travelinsurance plan based on information she found on [redacted]' website. Sheclicked on a link that provided some basic information about the travel protection plan, and shequoted a portion of that document in her complaint. The second page of that document listsmore specific information about the plan, and states that the "Benefits and services aredescribed on a general basis only." The customer is encouraged to contact us or go on ourwebsite to view a sample Description of Coverage. [redacted] verified that a
Description of Coverage was emailed to Ms. [redacted] at the time of the plan purchase.Due to an illness, Ms. [redacted] canceled the booking. Trip Cancellation benefits are provided ifa trip is canceled due to an illness when certain requirements are met. Under the heading TripCancellation Benefit, "Covered Events:1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or yourService Animal. The Sickness or Injury must first commence while your coverage is in effectunder the Policy, must require the in-person treatment by a Physician, and must be so disablingin the written opinion of a Physician as to prevent you from taking your Trip".
Ms. [redacted] did not seek in-person treatment by a Physician as required by the policy.Therefore, we must reaffirm our original decision that no benefits can be paid for this claim. Acopy of the website document referenced in the complaint and the Description of Coverage areenclosed for your review.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted].
Sincerely,
[redacted]Sr. Technical Claims Specialist
cc: [redacted] I Director of Claims
Dear Ms. [redacted]:
5pt;">CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was selected. We are in receipt of your email providing additional information from Mr. [redacted].
The claim is not payable and based on our previous explanation, Mr. [redacted] did not qualify for a premium refund under the 10-day free look period. However, in an effort to settle this matter and as a customer service gesture, we will rescind the policy and refund the $105.67 plan cost to Mr. [redacted]. Please confirm that Mr. [redacted] will accept this offer of the premium refund.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted].
Sincerely,
[redacted]
Sr. Technical Specialist
cc: [redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents [redacted] as the...
administrator of the travel protection plan that was purchased. We are in receipt of your email dated 10/11/16, notifying us of the complaint filed by Ms. [redacted].
Ms. [redacted] booked a rental property through [redacted] with scheduled travel dates of 07/23/16 to 07/23/16. The insurance plan was purchased on 06/04/16, with coverage for Trip Cancellation commencing on 06/05/16. The trip was canceled on 06/30/16, due to the illness of her father.
The policy provides benefits for a cancellation due to the Sickness of a Family Member when certain requirements are met, "The Sickness or injury must first commence while your coverage is in effect under the Policy". Coverage is also subject to the plan's terms and General Exclusions, "We will not pay for any loss under this Policy, caused by, or resulting from...a loss that results from an illness, disease, or other Condition, event or circumstance which occurs at a time when coverage is not in effect for you".
According to the information obtained to investigate the claim, the patient was referred by his dentist to [redacted] for a biopsy. This biopsy took place on 06/03/16, prior to coverage beginning under the travel insurance plan. Ms. [redacted]'s father may not have informed her of his medical issues prior to her booking the trip, however, this does not change the terms and conditions set forth in the policy. The medical condition commenced prior to coverage going into effect under the Policy. Therefore, regretfully, we are unable to provide benefits for this claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
PLEASE RE OPEN THE CASE AND POST WE ARE NOT IN AGREEMENT WITH COMPANY BECAUSE THERE IS NO CONCLUSION ON THE MEDICAL INFO PROVIDED.
.- WE WILL HAVE TO WAIT , AS YOU MENTION , FOR THE RESPONSE OF THE MEDICAL REVISION AND OPINION ON THE FILES, AND PLEASE REFER TO DOCTORS REFFERED IN OUR DESCRIPTION , DOCTORS FROM THE VETERANS HOSPITAL ADMIN. THAT WHERE IN CHARGE OF [redacted] , MY FATHER Z”L , THEY CAN NOT DENY WHAT WE ARE SAYING SINCE IT IS THE PRECISE DESCRIPTION OF EVENTS AS THEY WHERE PRESENTED TO US AND TO DOCTORS BEST KNOWLEDGE .
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.The property was inspected after Ms [redacted] and her guests departed. The linens were seen to be stained. The linens were stain treated and washed, two times. The stains appear to be from a body loton or body oils.
I understand Ms [redacted] is saying she did not knowingly cause damage to the linens. The fact remains the linens used during her stay are unusable and I have purchased new linens to replace them.
I have submitted numerous photos showing the stains.
Regards,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
In the military you can only get official approval of leave within 30 days from wanting to take leave. The leave is approved by your supervisor. However; typically before you pay for a trip you will get an okay. Knowing that this okay could become a blackout of taking leave I purchased insurance because of the cancellation policy of the rental. The only proof I was allowed to provide was the email from my unit detailing the high possibility of my deployment. CSA wants too much. I'm not allowed to get with commanders and give detailed descriptions or orders of where I am going and exactly when. CSA seems to have a loop hole for everything. I have done research and I have been hard pressed to read a testimonial or review other than on CSA's own site about a claim being paid out without a battle. If they don't want to live up to the claim I want every military person to be made aware of what constitutes an event and leave being cancelled. Cause I assure you if I knew I would need a letter from my commander and approved leave slips and other erroneous versions of proof I would have looked elsewhere for travel insurance and so would my fellow service men. This company has ripped me off and did so gladly. They claim they are sorry cause they "can not" but honestly they "will not".
Regards,
[redacted]
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated January 26, 2016, requesting documentation verifying our compensation of $222.12 to [redacted].
Enclosed are two screen-prints of our system showing the payment made to Ms. [redacted] on Thursday, January 14, 2016 and showing the address where the check was mailed. Please note there is typically a two business-day processing time from the date the check prints until it leaves our office. However, as Martin Luther King, Jr. Day was a United States Postal holiday, Ms. [redacted]'s check actually left our office on Tuesday, January 19, 2016.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted].
Sincerely,
[redacted]
Technical Specialist
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated 10/26/16, with additional information provided by Ms. [redacted]
We cannot predetermine the outcome of a claim until we have been provided with all of thesupporting documentation. Additionally, our customer service will not guarantee coverage, butinstructs the customer to submit their documents for review. This plan does not provide benefitsfor a cancellation due to a travel advisory or the uncertainty of scheduling for a house saleclosing process.
Based on the information provided by Ms. [redacted], it does not appear that she will have apayable claim. However, if she wants submit her claim documentation for review, we willinvestigate the claim for coverage.
If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670. Please ensure the claim numberis included with your response.Sincerely,[redacted]Sr. Technical Claims Spe ialistcc: Generali U.S. Branch[redacted] I Director of Claims
Dear Ms. [redacted]:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchased. We are in receipt of your emaildated June 06, 2015, notifying us of the complaint filed by Ms. [redacted].
Ms....
[redacted] had to cancel her trip because her husband had to obtain recertification of hisparamedic license for his job. He was unable to attend an earlier class, and had to rescheduleduring the trip dates. She has requested that the claim be reconsidered under the following TripCancellation Covered Event:"Being required to take an academic examination on a date that has been fixed after yourcoverage was purchased, and the examination date falls within your Trip dates".
A class to recertify a work-required license is not considered an academic examination.Therefore, regretfully, we are unable to provide benefits for this claim.
If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]Sr. Technical Claims Speci list
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.
My husband and I are caught in the middle. Both companies agree our money should be refunded. Yet CSA believes that [redacted] Properties should refund our money, and [redacted] believes that CSA Travel Protection should refund our money. In the meantime, NO one is refunding our money. The information that CSA provided in their reply to our complaint appears to state fact but not all the facts. In their letter [redacted] Properties (their business partner) should honor the agreement and refund our money. Yet [redacted] is NOT honoring their agreement as stated by CSA. They have stated they believe it’s CSA who should refund our money. Basically, this is looking more and more like these two companies planned it this way. By going back and forth like this, they collected $9,461.28 for nothing.
Regards,
[redacted]
Revdex.com OF SAN DIEGO August 08, 2014
ATTN: [redacted]
5050 MURPHY CANYON ROAD #11 0
SAN DIEGO, CA 92123
[redacted] # [redacted]
Claim Number: [redacted]
Policy Number: [redacted]
Travel Dates: May 31, 2014- June 07, 2014
Dear Ms. [redacted]:
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated August 04, 2014, providing us with additional information from Ms. [redacted].
Ms. [redacted] contends that this was a trip cancellation instead of a trip interruption based on the May 31, 2014 departure date listed on the policy. Due to the circumstance that caused the loss,
the trip departure date would not change the outcome of the claims decision. Regarding this loss, the Covered Events for Trip Cancellation Benefits and Trip Interruption Benefits are exactly the same. The plan covers only "A documented theft of your passports or visas".
The cruise line may have agreed to accept a birth certificate instead of a passport for the child to board the ship, but the terms and conditions of the travel protection plan allows only specific Covered Events for a trip cancellation. Regretfully, we are unable to change our decision.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670.
Sincerely,
[redacted]
Sr. Technical Claims SR cialist
cc: Generali U.S. Branch
[redacted] I Director of Claims
June 24, 2015Re: Revdex.com ID #[redacted] Complainant: [redacted] CSA Policy Number: [redacted]
Dear Ms. [redacted],
CSA Travel Protection and Insurance Services represents [redacted] (NAIC #[redacted]) as the administrator of...
thetravel protection plan that [redacted] purchased through [redacted] on January 29, 2015. We are in receipt ofyour complaint correspondence dated June 12, 2015.CSA Travel Protection provides travel insurance and emergency assistance plans for consumer purchase. Mr. [redacted]purchased our travel protection plan through [redacted], in conjunction with the purchase of [redacted] Resorts travelarrangements and/or accommodations. Upon purchase on January 29, 2015, a policy confirmation letter and full detailsof the travel protection plan were sent to the requested email address of [redacted] (attached).
The travel protection plan offers a variety of travel-related insurance coverages to insured travelers. The plan features a10-Day Free Look upon purchase, which allows customers to review the coverage for satisfaction. If customers are notsatisfied with our coverage after their review, they are able to return the plan within 10 days of purchase for a full refund.After this 10-Day free look period, the plan is non-refundable. Since Mr. [redacted]'s refund request was received on June8, 2015, over 4 months after purchase, the request was denied.
In his complaint submitted to the Revdex.com on June 11 , 2015, Mr. [redacted] alleges that he specifically declined the offer oftravel insurance on his arrangements booked through [redacted]. In our investigation, we discovered that our ICEGallery agent was not able to document Mr. [redacted]'s affirmative selection of the travel insurance. Therefore, ICEGallery issued-a refund to the customer of $679.00 on June 9, 2015. We will work with our agent to cancel Mr. [redacted]'spolicy coverage in our system, and now consider this complaint to be resolved to the customer's satisfaction.
CSA is committed to providing optimal service to our customers and partners, and we appreciate the opportunity to auditour processes. If you have any questions, or require any further information, please do not hesitate to contact me directlyat [redacted] or [redacted].
Sincerely,
[redacted]Director of Compliance & Licensing
Cc: [redacted] [redacted]. [redacted]
[redacted]
Cc: [redacted]
CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was selected. We are in receipt of your emaildated March 27, 2015 regarding a complaint filed by [redacted] on behalf of...
Edith[redacted].Mrs. [redacted] filed a Trip Cancellation claim on January 23, 2015 and the matter was resolvedand a check in the amount of $2,998.00 was issued on February 26, 2015. The check wasmailed to 8703 Yarmouth Court Potomac, MD 20854 as this was the address provided on thesubmitted claim form. On March 12, 2015 Mrs. [redacted] notified CSA Travel Protection that thecheck was not received. A stop payment was placed on the check and a new check was issuedand mailed to the same address on March 23, 2015. CSA Travel Protection providesreimbursement by issuing a check and mailing it via the United States Postal Service.
Unfortunately the initial check that was issued was lost in the mail.
If you have any questions, please feel free to contact us at [redacted], by email at[redacted] or by FAX at [redacted]. Please ensure the claim numberis included with your response.
Sincerely,
[redacted]
Claims Department Supervisor
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.
This is the same exact letter that we received the very first time we made a claim to them. This is the “lowest on the totem pole” agent. I spent my time working with his supervisor [redacted] and HIS supervisor. How absurd is that “the insured denied the actions that resulted in the damage”. He LIED. We have PROOF. So this is how a company does business.
This is patently ridiculous and we insist that you do NOT CONSIDER THIS CLAIM RESOLVED. It is not!
Regards,
[redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the...
administrator of the travel protection plan that was purchased. We are in receipt of your email dated 9/19/16, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a rental property through [redacted] with scheduled travel dates of July 23, 2016 to July 30, 2016. The Trip was canceled because Mr. [redacted] had to care for a member of the family who was unable to travel.
The policy provides Trip Cancellation benefits due to the illness of a Family Member when certain requirements are met. As stated under the heading Trip Cancellation Benefit, Covered Events:
"1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or injury must first Commence while your coverage is in effect under the Policy, must require the in-person treatment by a Physician, and must be so disabling in the written opinion of a Physician as to prevent you from taking your Trip (either because your condition prevents your travel, or because your Family Member, Traveling Companion or your Service Animal requires your care)".
In order to confirm that the above policy requirements have been met, we have requested that Mr. [redacted] provide us with a Physician's Statement completed by the patient's doctor, and a Patient Authorization form, which may be needed to obtain information from the doctor. At this time, these documents have not been provided to us,
Mr. [redacted] has indicated that employees of [redacted] gave him the impression that the travel insurance plan purchased provides cancel for any reason Coverage. The plan only provides benefits for the specific Covered Events listed in the policy. The claims representative handling his claim did apologize to Mr. [redacted] if [redacted] had given him misleading information about the plan. She explained that in order for us to process his claim, we do need to have supporting documentation to confirm all policy requirements have been met. Upon receipt of the requested forms, we can continue to process this claim.
If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
c: [redacted]
[redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the...
administrator of the travel protection plan that was purchased. We are in receipt of your email dated 9/10/16, notifying us of the complaint filed by Mr. [redacted].
Mr. [redacted] booked a cruise through Vacations to Go, and made final payment for the cruise on 11/24/15. On 12/01/15, he purchased the travel insurance plan, with Trip Cancellation coverage commencing on 12/02/15. 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 due to the illness and subsequent death of a Family Member.
The policy provides Trip Cancellation benefits due to the illness of a Family Member when certain requirements are met. As shown under the heading "TRIP CANCELLATION BENEFIT
Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, 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...
Covered Events:
1. The Sickness, injury or death of you, your Family Member, your Traveling Companion or your Service Animal. The Sickness or injury must first commence while your coverage is in effect under the Policy".
Coverage is also subject to the plan's terms and "GENERAL EXCLUSIONS
1. We will not pay for any loss under this Policy, caused by, or resulting from... s. a loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage is not in effect for you; t. any issue or event that could have been reasonably foreseen or expected when you purchased the coverage."
According to the medical records obtained to investigate the claim, the patient was hospitalized beginning on 11/28/15. His condition worsened and he was transferred to palliative care on 12/04/15, and passed away on 12/08/15.
The patient's illness commenced prior to the policy effective date, and the loss was reasonably foreseen or expected when the plan was purchased. Therefore, we must reaffirm our decision that no benefits are payable for this claim.
If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300-8670. Please ensure the claim number is included with your response.
Sincerely,
[redacted]
Sr. Technical Claims Specialist
cc: General U.S. Branch
[redacted] / Director of Claims
Hello,
We are waiting on the following claims. I have provide the last name of the claimant and the amount due to Apex from CSA. CSA does not provide claim numbers.
CSA: Dr.
[redacted] Party
[redacted] Bedding
203.09
CSA-Claim
for [redacted] Party
[redacted] Claim
1,594.39