Genesis Homes

CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was selected. We are in receipt of your email dated 8/29/16, notifying us of the complaint filed by Ms. [redacted].Ms. [redacted] booked a rental property and purchased the...

travel insurance plan on 7/28/16, with coverage for Trip Cancellation commencing on 7/29/16. The trip was canceled due to the illness of a family member that required medical treatment for his condition.In order to further investigate this claim, we will contact the patient's doctor for additional information. Once the records are received, we will determine if a change in the determination can be made.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 Spedialistcc: [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 by Ms. [redacted]. We are in receipt of your email dated September 03, 2015, notifying us of the complaint filed by Ms. [redacted].Daphane...

[redacted] rented a property from Ms. [redacted] with scheduled travel dates of July 09, 2015 to July 12, 2015. The Property Damage Protection coverage was purchased on April 03, 2015 by Ms. [redacted], who is the insured under this plan. At that time the Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Ms. [redacted].On August 04, 2015, we received claim documents from Ms. [redacted] indicating that Ms. [redacted] had damaged a vintage table and some items were missing from the unit. According to the documentation provided with Ms. [redacted]'s claim, Ms. [redacted] denied causing any damage to the table and agreed to mail replacement towels to Ms. [redacted].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. [redacted] has denied responsibility for the damaged table, and items missing from the rental unit are not covered by this plan. This policy only pays for damages caused by the Insured or their guests. Therefore, we must again deny 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]. Sincerely, [redacted]CC: [redacted] | [redacted]

CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated July 29, 2016, notifying us of the complaint filed by Ms. [redacted].Ms. [redacted] rented her property to [redacted] with...

scheduled travel dates of February 23, 2016 to March 31, 2016. The travel protection plan was purchased by Mr. [redacted] on January 28, 2016. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him.On June 20, 2016, we received claim documentation from Ms. [redacted] stating that Mr. [redacted] had damaged the kitchen countertop. There was a small burn hole on one portion of the laminate countertop. Ms. [redacted] has provided a repair estimate to replace all of the countertops in the kitchen, and claims $3,643.00.The travel protection plan states, "If you occupy an Accommodation and you damage the real or personal property assigned to that Accommodation during the Trip, we will reimburse you the lesser of the cost of repairs or the cost to replace the property, up to the amount shown in the Schedule."The policy provides benefits only for damaged real or personal property. We can only provide coverage to repair the portion of the countertop that was damaged by Mr. [redacted]. This policy does not cover the cost for Ms. [redacted] to replace all of the countertops in her kitchen.At this time, we are waiting for Ms. [redacted] to provide us with an invoice or estimate to repair the section of the countertop that was damaged. Upon receipt, we will proceed with the claims processing. If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.Sincerely,[redacted] Sr. Technical Claims Spedialistcc: Generali U.S. Branch[redacted] / Director of Claims

[redacted]
[redacted]
[redacted]
[redacted]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 12/10/16, notifying us of the complaint filed by Mr. [redacted].Mr. [redacted] purchased the travel insurance plan on 04/24/16, with Trip Cancellation coveragecommencing on 04/25/16. As stated under the heading ELIGIBILITY AND EFFECTIVE DATES,"Trip Cancellation coverage will take effect at 12:01 A.M. local time at your location on the dayafter the date your premium payment is received by us or our authorized agent." Thisinformation was also provided on the Policy Confirmation Letter emailed to Mr. [redacted] on04/24/16, under SCHEDULE OF INSURANCE COVERAGES, "Trip Cancellation Effective Date:April25, 2016."Mr. [redacted] canceled his trip on 04/26/16, due to issues resulting from his herniated disc. Hewas treated and diagnosed with disc prolapse and nerve root compression on 04/11/16 and04/18/16, prior to his policy going into effect. His 04/18/16 doctor visit showed that he wasimproving, and on 05/03/16 the chart notes show that Mr. [redacted] was gradually recovering.The policy provides benefits for a trip cancellation when certain requirements are met: "TRIPCANCELLATION BENEFITBenefits 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, ifyou are prevented from taking your Trip due to one of the following unforeseeable CoveredEvents that occur before departure on your Trip to you or your Traveling Companion, while yourcoverage is in effect under this Policy ...Covered Events:1. The Sickness, Injury or death of you, your Family Member, your Traveling Companion oryour Service Animal. The Sickness or Injury must first commence while your coverage is ineffect under the Policy, must require the in-person treatment by a Physician, and must be sodisabling in the written opinion of a Physician as to prevent you from taking your Trip".Coverage is also subject to the plan's terms and "GENERAL EXCLUSIONS1. We will not pay for any loss under this Policy, caused by, or resulting from ... s. a loss thatresults from an illness, disease, or other condition, event or circumstance which occurs at a timewhen coverage is not in effect for you".According to the medical documentation obtained to investigate the claim, Mr. [redacted]'scondition commenced prior to the policy effective date. During the time that the plan was ineffect, 04/25/16 to 04/26/16, when the trip was canceled, there is no evidence of a Sickness orInjury commencing that required in-person treatment by a Physician, which disabled him fromtravel.Policy requirements that would allow payment of benefits were not met. Therefore, we mustreaffirm our original decision that no benefits are payable for this claim.If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670. Please ensure the claim numberis included with your response.Sincerely,[redacted]Sr. Technical Claims Specialist[redacted]
[redacted]
[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 Specialistc: [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.This is absolutely false and [redacted] clearly has not reviewed the phone recording since there is no possible way that [redacted]’s response to me regarding cancellation for any reason could have been misunderstood or mistaken. I am requesting that CSA and I are able to review the call interaction since I strongly disagree with [redacted] observation of the call content.This whole event is unethical and I don’t understand how a company can feel this is acceptable to keep someone’s full payment for a trip that was cancelled and another party was booked for the same cabin. Technically there was no loss to the cruise line since they had ample time to sell cruise and cabin to another party. I also do not feel the contract that was provided to me was clear since the protection coverage is misleading as I mentioned in my prior communication to CSA. I greatly appreciate your attention to this matter.Regards,[redacted] 
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 08/29/16, notifying us of the complaint filed by Mr. [redacted].Mr. [redacted] purchased his travel insurance plan...

on 04/07/16. At that time a Policy Confirmation Letter and Description of Coverage were emailed to the address provided of [redacted]. The Confirmation Letter encourages the insured to review the policy documents, and if not satisfied within 10 days, they can request the policy be canceled and the premium will be refunded. The 10-day free look period is also listed in the Description of Coverage along with the plan's coverage and coverage restrictions. If the customer does not request a policy cancellation within the 10-day free look period, it is presumed that the plan has been found acceptable.CSA Travel Protection does not administrate any plans for [redacted] that includes cancel for any reason coverage. Mr. [redacted] may be referencing in his complaint a plan offered through another company.Copies of the Policy Confirmation Letter and Description of Coverage are enclosed.If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.Sincerely,[redacted] Claims Department

The company CSA INSURANCE has resolved my complaint completely and to my satisfaction.  Thank you for your assistance in this matter.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]...


I spoke with [redacted] at [redacted] and they approved my request.

Dear Mr. [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 September 14, 2017, notifying us of the complaint filed by Ms. [redacted].Ms. [redacted] booked...

airline tickets for travel to the Caribbean with scheduled travel dates of September 18, 2017 to September 29, 2017. The travel insurance plan was purchased on May 13, 2017, with coverage for Trip Cancellation commencing on May 14, 2017. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and COverage restrictions, were emailed to her at the address provided of mdvandenhowed)aol.com. The trip was canceled on July 10, 2017, because Mr. [redacted] was scheduled to have a surgical procedure performed on September 14, 2017.The policy provides benefits for a trip cancellation due to an illness or injury when certain requirements are met as shown in the policy:"TRIP CANCELLATION EBENEFITBenefits 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 oryour 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 EXCLUSIONS1. 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...The following exclusion applies to the Medical and Dental, Trip Cancellation, Trip interruption, and Travel Delay coverages:We will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the Definitions section, including death that results there from."As defined by the policy, "PRE-EXISTING CONDITION means a Sickness or injury during the60-day period immediately prior to your effective date for which you or your Traveling Companion: (1) received, or received a recommendation for, a diagnostic test, examination, ormedical treatment; or (2) took or received a prescription for drugs or medicine."According to the Physician's Statement provided with the claim, completed by Dr. [redacted], Mr. [redacted] received examination and treatment, and became medically unable to travel on March 29, 2017. As the medical condition commenced before the policy went into effect, and Mr. [redacted] received examination or treatment during the 60-day period before the May 14, 2017 policy effective date, the claim was denied.We received a request to reconsider benefits for this claim and have sent a [redacted] Patient Authorization form to Ms. [redacted]. Upon receipt of the form, we will order the medical records to further evaluate the claim.if you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.[redacted] Sr, Technical Claims Specialist

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 Specialistcc: [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 8/29/16, notifying us of the complaint filed by Mr. [redacted].Upon arrival at the airport in Los Angeles on...

6/26/16, Mr. [redacted]e states he was informed that his 6.27116 flight from Shanghai to Colombo had been canceled. He was told that he had been informed by telephone of this one week earlier, however, states the airline did not notify him of this cancellation. In Shanghai additional expenses were incurred and he missed a portion of his scheduled trip.Mr. [redacted] provided information indicating, that in May, [redacted] had eliminated their Shanghai to Colombo flights on Mondays. Also, according to [redacted], [redacted] stopped providing this flight om Mondays beginning on 5/02/16.Based on this information, the flight was canceled due to a schedule change by the airline. This policy provides benefits for a flight cancellation only if it is caused by adverse weather, mechanical breakdown of the plane, or an organized labor strike that affects public transportation. Coverage is also excluded if the airline fails to provide the bargained-for travel arrangements.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 Specialistcc: [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]...

[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.
Regards,
[redacted]                     I see no place in this contract that says not having a visa is a reason  for non payment of a claim. I feel I made all efforts to remedy the situation including calling Affordable Tours the day before the tour started. As we were leaving on 22 Apr 2015 1 day before the tour
left on 23 Apr 2015( I had bought my own tickets) I feel at the very least CSA should reimburse me the cost of insurance for that person  (300.00) I do not believe anything in this contract should keep them fro m paying the whole amount except after looking on the internet complaints and checking the amounts of complaints filed at your Revdex.com I am not very hopeful they will honor there contract.  [redacted]

Complainant: [redacted] and [redacted](Compliant [redacted])Policy Number: [redacted]Travel Dates: April 18, 2017 – April 21, 2017   Dear Mr. [redacted]: CSA Travel Protection and Insurance Services represents [redacted] S.P.A. (U.S. Branch) as the administrator of the...

plan purchased through [redacted].com on April 17, 2017.We are in receipt of your complaint filed with the Revdex.com of San Diego on May 5, 2017 regarding Policy Number [redacted].We cancelled the policy in question on May 10, 2017 and [redacted] and [redacted] should have received the credit card refund from [redacted]. We notified [redacted] on May 10, 2017 of the cancellation and requested the credit card refund.Our plans are offered as opt-in and a copy of the policy confirmation letter and Description of Coverage were emailed to the insured ([redacted]) on the date of purchase. CSA is committed to providing optimal service to our customers, and we apologize for any inconvenience this situation has caused. If you have any questions, or require any further information, please feel free to contact me at ###-###-####.Sincerely, [redacted]Compliance Analyst cc: [redacted] U.S. Branch [redacted] / Vice President of Operations

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 1/10/17, notifying us of the complaint filed by Ms. [redacted].This claim was reviewed by the underwriter and will be...

paid as an accommodation. Thepayment, totaling $584.00, should be mailed out shortly.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 Specialist

So, if you have cancellation insurance and you need to cancel, wouldn't you file a try claim? That's logical isn't it? When I found out they wouldn't accept a claim without violating HIPAA regulations on privacy, I saw the 10-day free-look information. I believe this is false advertising on the part of CSA Travel Insurance. The ironic part is that the owner of the condo has rented the condo since we cannot go... they didn't lose any money, they kept my $500. CSA Travel Protection didn't lose any money either, they kept my Insurance Premium. So, what is the point of buying cancellation insurance? Here are the facts... I made the reservation with the insurance on 5/23. I cancelled on 5/28. Well within the 10 day free-look period. They are saying that I didn't ask for the refund before I tried filing the claim... Think about it... Is that logical to you? Who would do that? Why not try to use the insurance you bought for the purpose of protecting yourself in case you have to cancel. Instead, the argument is that I'm entitled to ask for a refund of the premium within 10 days as long as I don't file a claim? Really?

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.
Revdex.com of San Diego Attn:  [redacted] Date:  8/28/15   Once again we are in absolute disbelief to the manner with CSA Claims Department is handling our travel insurance claim.  CSA continues to miss state and allude to minimize the seriousness of the situation we were in while in France.  Their attempt to mislead actual events and the denial of major portions of our claim is deplorable. They continue to evade and erroneously classify events (why travel delay?), for the sole purpose of denying our claim.   The advice and direction we received from [redacted] was evasive.   [redacted] has a responsibility to provide support when policyholders are in crisis, and they need comprehensive assistance.  [redacted], as CSA’s Parent Company, should have a legal obligation to inform their policyholders of the potential consequences to their actions.   ·        Attached are written notes of one of the many telephone conversations we had with [redacted] regarding the status of our situation.  It is clear that [redacted] w/[redacted] informed us that [redacted]’s portion of the trip would be classified as Trip Interruption and Lawrence would be classified under full medical.    ·        We suspect we received this confirmation as a direct result of an email (also attached) from EA, whereas EA alluded that we ‘elected to continue our cruise’.  We responded via return email that we were not on a cruise, Lawrence was attempting to recover – we were not touring or cruising – meals taken in the room.  Copy Attached.   To recap:   We are not contesting [redacted] and [redacted] statements that we ‘remained on board the cruise ship.” We did remain on board as Mr. [redacted] had a serious illness.   We are contesting CSA’s and [redacted]’s statement of  “Mr. and Mrs. [redacted] chose to stay on the ship, and they accepted the cruise line’s alternate itinerary” i.e. a bus tour.  Once again, CSA alludes to, or implies, that the [redacted]’ partook in a ‘river or bus cruise’ and toured southern France.  This is not true.  One of the definitions of the word ‘USE’ is PARTAKE, which means PARTICIPATE.  It was medically and physically impossible for Mr. [redacted] to participate in events or touring.   Three days were lost to necessary doctor appointments and the days preceding and post Dr. visits, Mr. [redacted], while on heavy medication, was attempting to recover from this serious illness.  Attached are statements from 6 other passengers who were aboard this ship and had knowledge of the [redacted]’ situation.       ·        5/7/15:  Doctor appt with Dr. [redacted], arranged by [redacted], [redacted], conducted in the [redacted] stateroom #329: Mr. [redacted] had a continuous low grade fever and not feeling well.  A full exam was conducted; urine, blood work, temperature, blood pressure, lung exami was performed.  Diagnosis:  Bacterial Pneumonia and consult additional treatment if the fever is not subsided within 48 hours.   ·        5/9/15:  Doctor appt with Dr. Pauline Bertois, arranged by [redacted], [redacted], conducted in the [redacted] stateroom #329: Mr. [redacted]’ fever had increased to a steady 103 degree and we knew his condition was worst.  A full exam was conducted:  urine, blood work, temperature, blood pressure, lung exam was performed.  Diagnosis:  Bacterial Pneumonia with serious complications of increased fever, blood pressure, lung capacity – see Dr’s Report.  Dr.’s instructions were: You Cannot Not Fly. Mr. [redacted]’ condition was dangerous and if his condition did not improve within 48 hours he must be admitted into the hospital.  And, Mr. [redacted] should be evaluated in 48 hours to confirm his condition has improved.   Note:  these report were scanned to [redacted] who then advised that their medical team reviewed these doctor reports and concurred with their diagnosis.  [redacted] also confirmed that Mr. [redacted] could not travel back to the States until he received a ‘clearance’ to travel from a medical doctor.   ·        5/11/15:  Doctor appt with Dr. [redacted], Radiologist was arranged by [redacted], [redacted] Concierge, conducted at Dr. [redacted]’s office in A[redacted].  A chest x-ray was obtained to confirm Mr. [redacted]’ Bacterial Pneumonia was responding to the heavy-duty antibiotics.   CSA states that [redacted] was willing to arrange for our transfer from A[redacted] to [redacted]:  Mrs. [redacted] spoke with Israel at [redacted] on 5/11/15 to discuss in part, transfer arrangements to [redacted].   We were told we could use our prepaid [redacted] transfer or Euro Assistance would arrange for a transfer.  Which ever we prefer.  At no time were we informed that if we utilized the [redacted] transfer that this action would void a claim.  This is a common theme with [redacted] and should be examined.  Copy of note attached.   CSA states that Mr. [redacted]’ airfare was prepaid by Euro Assistance under his Emergency Assistance / Transportation coverage.    We have obtained the actual airline ticket receipt for Mr. and Mrs. [redacted]’ adjusted air travel from [redacted] to San Francisco at $968.00 per ticket. Copy attached.   ·        The receipt shows Mr. [redacted]’ new flight, under ticket number [redacted], was issued in exchange for his original round trip ticket of [redacted].     ·        The receipt for Mrs. [redacted]’ new flight, under ticket number [redacted], was issued in exchange for her original round trip ticket of [redacted].   [redacted] used our credit balance of $700.57 per ticket, from our original scheduled round-trip return airline tickets, denying us the opportunity to obtain a refund direct from Air France.  And, then we were charged $2,541.65 to our credit card for Mrs. [redacted]’ return ticket?  This seems to be an inappropriate manipulation of our funds.   CSA’s explanation regarding [redacted]’s insistence that we pay upfront a $2,541.65 charge for air and seat upgrade is lacking.  Ms. Jeanie Law, with Air France, Tampa, FL, advised on 8/7/15, that Air France upgraded Mr. and Mrs. [redacted]’ seats as a courtesy, at No Charge.  The actual ticket receipts are documented proof of this.   Once again, [redacted]/CSA is skirting the truth.  We now have to wonder if the inflated charge of $2,541.65 was put in place so CSA could reimburse us, with our own monies, and assign the $2,541.65 under trip interruption as to deduct this amount from the maximum benefit listed in the policy?    CSA continues to state that they listened to every conversation between [redacted] and us.  This is not true.  Attached is the phone record of calls made to and from [redacted].  Once again, CSA’s creditability seems to be in question.  There are several calls whereas the ‘phone number’ is blocked.  The calls on 5/14, late night, were from [redacted], Ms. [redacted], Team Lead, regarding our return to the U.S.  This is supported by the emails were received with flight details, and [redacted] receipt of the $2,541.54 charged to our account.  Copies attached.    We do not accept CSA’s current resolution of this claim.  Again, one of the definitions of the word ‘USE’ is PARTAKE, which means PARTICIPATE.  It was medically and physically impossible for Mr. [redacted] to participate in in events or touring.  We do expect that CSA settle this claim in full and honor our policy.   [redacted] Cruise:  $7,738.12 Airfare:             $1,401.02 (return only, 2 passengers) Telephone:       $    75.00 (balance due) SFO Airport:     $  255.14 Monies declined under Travel delay     $   238.28
Regards,
[redacted] And [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.
I read the  CSA's  responses  to my complaint.  Not only are they  packs of lies, but they do  NOT  address the essence of my complaint at all, i.e.: 1)  why the CSA's Emergency Hot Line operator had repeatedly made  A  FRAUDULENT  STATEMENT THAT  "CSA  IS  NOT  A  TRAVEL  PROTECTION / TRAVEL  INSURANCE  COMPANY" (AND  I  REPEAT:  CSA !); 2) why  CSA  REPEATEDLY  REFUSED  TO  ASSIST  ME  IN  ANY  WAY  WITH  MY  RETURN  HOME  AND  EVEN  A  MEDICAL  REFERRAL  WHEN  I  REPEATEDLY  REQUESTED  IT  AND  EVEN  QUOTED  THE  LINES  FROM  THE  CONTRACT  THAT  SPECIFICALLY  STIPULATE  THIS  OBLIGATION  OF  CSA.   THEIR  REFUSAL  TO  DO  ANYTHING  FOR  ME  WAS  BASED  SOLELY  ON THEIR  FRAUDULENT  (AND  REPEATED)  STATEMENT  DESCRIBED  ABOVE IN  POINT  1).   NATURALLY,  I  AM  NOT  SATISFIED  WITH  THEIR  RESPONSES  THAT  PROVE   ONE  THING  ONLY:  CSA  IS  VERY  EXPERIENCED  IN  DODGING  THEIR  OBLIGATIONS  AND  DOES  NOT  HESITATE  TO  LIE  AND  CHEAT  TO  ACHIEVE  THEIR  GOAL.  THERE  ARE  MANY  CSA'S  VICTIMS  OUT  THERE,  BESIDES  ME,  WHICH,  I  AM  SURE,  YOU  KNOW  VERY  WELL.  EVEN  IF  YOU  DON'T,  JUST  CHECK   THEIR  CUSTOMERS'  FEEDBACK  ON  THE  INTERNET.  PLEASE  REOPEN  MY  CASE  AND  HELP  ME  TO  GET  THE  MAXIMUM  AMOUNT  OF  MY  TRIP  INTERRUPTION / BREACH  OF  CONTRACT  BENEFITS.Thank you for your attention to this matter.  Hope to hear from you soon.Regards,[redacted].
Regards,
[redacted]

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 12/22/16, notifying us of the complaint filed by Mr. [redacted].Mr. [redacted] rented his property to [redacted], and...

Ms. [redacted] purchased the VacationRental Damage Coverage on 11/01/16. At that time we provided Ms. [redacted] with a copy herpolicy, as she is the named Insured.Mr. [redacted] submitted a claim to our office for a damaged Amazon Echo, a Bluetooth speaker,damaged sheets, and a missing chess piece. The total claimed amount was $441.73.The policy provides benefits to the named Insured "If you occupy an Accommodation and youdamage the real or personal property assigned to that Accommodation during the Trip, we willreimburse you the lesser of the cost of repairs or the cost to replace the property, up to theamount shown in the Schedule."We contacted Ms. [redacted] to verify that she or one of her guests had caused the damagesclaimed. Ms. [redacted] responded that no one in the rental party had caused any of the claimeddamages to the property, and noted that one chess piece was missing when they arrived at theunit.The policy issued to, and purchased by Ms. [redacted] provides benefits for accidental damagecaused during her rental stay. Ms. [redacted] has denied causing the damages claimed, and we areunable to issue payment for this loss.If you have any questions, please feel free to contact us at (BOO) 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 Specialistcc: Generali U.S. Branch[redacted] I Director of Claims