Genesis Homes

[redacted] responded to this complaint on 4/22/15. Please let me know if you need another copy.Re:       [redacted]            Email: [redacted]Revdex.com Complaint ID [redacted]CSA Policy #[redacted]Dear Ms. [redacted],CSA Travel Protection and Insurance Services is an administrator of travel protection plans and vacation rental damage protection plans sold through HomeAway.com and their subsidiary site VRBO.  We are in receipt of your complaint filed with the Revdex.com of San Diego.As noted in your letter, you purchased Cancellation Protection for your VRBO accommodations March 17, 2015 through April 7, 2015.  The Cancellation Protection product offers various non-insurance services that are available during your trip, as well as two insurance coverages: Trip Cancellation and Travel Delay.  A copy of your Policy Confirmation Letter with the product’s Travel Insurance Policy is attached. In your phone call with CSA on March 25, 2015, you advised that your stay at the VRBO accommodations were interrupted due to a family emergency and you inquired how to begin a claim for Trip Interruption benefits.  The Customer Service Representative advised that the product purchased through VRBO does not contain Trip Interruption benefits for unused arrangements.   We regret that we must reaffirm the information provided in the phone call on March 25, 2015.  We work closely with HomeAway.com and their subsidiary sites to ensure the advertising of this product is clear and appropriate, and will take this opportunity to further audit these sites to ensure we are providing optimal service to our customers. If you have any questions, or require any further information, please do not hesitate to contact me directly at [redacted] or [redacted]. Sincerely,[redacted]Director of Compliance & LicensingEnclosure/Attachment: Policy Confirmation Letter for #[redacted] including Travel Insurance PolicyCc:       Revdex.com of San Diego            [redacted]            Vice President of Operations            CSA Travel Protection[redacted], ACPDirector of Compliance and LicensingPhone[redacted] Fax[redacted]Follow us on[redacted]www.csatravelprotection.com This e-mail, any attachment and the information contained therein ("this message") may contain information that is privileged, proprietary, confidential and exempt from disclosure and are intended solely for the use of the addressee(s). If you have received this message in error please send it back to the sender and delete it. If you are not the intended recipient, you are notified that unauthorized publication, use, dissemination or disclosure of this message, either in whole or in part, is strictly prohibited.

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]
Revdex.com,I do not suffer from an anxiety disorder, a crises caused me to experience acute anxiety for a period of time. This happened to occurred at the time my trip was schedule to take place. If a family member were to have passed away and I suffered acute anxiety are you saying C S A would not have covered that? I was sold this insurance though an agent with [redacted], I was not given the choice to purchase [redacted]. I spoke to [redacted] and they said their insurance would have covered these circumstances. They could not believe C S A had denied my claim.We can keeping going back and forth and not accomplish anything. I resent your saying I suffer from an anxiety disorder!! The problem is you don't want to pay the claim, you don' make money by paying claims. I will not let this go, I believe the $1900. is due me. My five travel buddies are very disappointed in the way C S A has handled this claim, they feel as good lesson has been learned. You have to check out the insurance company very carefully before purchasing travel insurance, all companies are not alike.Thank You,[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.
  We are not sure how the heck we were to know what might possibly be a 6 hour delay. What happens if we are traveling on the icy, snow covered roads,(which is what the travel map looked like on that route for the whole day) and they decided to close them while enroute? It isn't like there are a ton of places to stay. To think that you feel that you have the right to tell us to risk our lives, when you are sitting at your desk in San Diego, is ridiculous. I think you should reconsider this again. What you have given us is a piece of junk response. We didn't have a crystal ball like you must have, to tell us more than what the travel maps and NM DOT stated on their website, to not travel.
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 Reason for the trip cancelation was due to a Hurricane, the policy is intended to cover cancelations in the event of a Hurricane.   I was told not to come by the property manager because of a Hurricane. which made the home both  uninhabitable and inaccessible all events covered by the policy.  The property manager informed me that the home was uninhabitable because of a Hurricane.   CSA is selling insurance that they don't pay out when covered events occur. 
CSA reasons not to pay the policy under clause 8 is: "There is no evidence of a mandatory evacuation or public official evacuation advisement in St. Croix due to the hurricane. Coverage is also subject to the plan's General Exclusions, "The following exclusion applies to the Trip Cancellation and Travel Delay coverage's: a. failure of anytour operator, Common Carrier, or other travel supplier, person or agency to provide the bargained-for travel arrangements other than Financial Insolvency."
1.  The evidence of a mandatory evacuation is not being able  permitted to occupy the house which CSA openly acknoldwdges occurred in their response.
2.   The travel supplier did attempt to provide the bargained-for travel arrangements but was unable to because of a Hurricane.  Which I point out again is  why I purchased insurance and more importantly a covered clause in the policy.
3.  The policy does not explicitly state that mandatory evacuations be ordered by State or Federal jurisdictions.  The ambiguity implies that an evacuation can be ordered by the so called travel supplier which subsequently activates the insurance policy.
Regards,[redacted]

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]

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.After filing this Revdex.com complaint disclosures were found in junk mail (see response letter to ** Dept of Insurance complaint for further detail.)  We do not accept this response from CSA for the following reasons:1.  Disclosures are not transparent and are only made after purchase. Little insurance is actually provided considering extensive exclusions detailed in fine print that, in our case, was not apparent until after a claim was made (and denied). Further, the Right To Cancel (10-day free look) is difficult to find (mentioned in same email.) Had the right to cancel been received with exclusions, we would have cancelled the plan and requested a premium refund. Perhaps 2. CSAs response did not address misleading advertising.  On-line descriptions indicate insurance covers cancellation for any reason.  [redacted] recently covered a story on 8/16/16 for similar travelers that thought they had cancellation insurance but their claim due to pregnancy was denied. Even the name "Cancellation Insurance" is misleading; Disaster Insurance would be more accurate considering exclusions.The point is that practices are deceptive. We are the type that read disclosures and policies carefully, and information to make an informed decision were not apparent. Disclosures should be easy to find and highlight exclusions and right to cancel before purchase. Also, in our case, we didn't travel due to poor driving conditions caused by adverse weather, but because roads weren't closed insurance was denied (based on exclusions).  However a reasonable person would not travel into bad and worsening conditions where closures and flooding are likely, and would expect travel protection to cover such an event.
Regards,
[redacted]

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 received your email dated December 19, 2017, notifying us of the complaint filed by Mr. [redacted].Mr. [redacted] had a [redacted] Rental Car...

reservation for July 27, 2017 to August 10, 2017. The travel insurance plan was purchased on July 24, 2017. At that time a Policy Confirmation Letter and Description of Coverage, Outlining the plan's Coverage and coverage restrictions, were emailed to the address provided of [redacted].com. Mr. [redacted] reports that on August 09, 2017, while the rental car was parked at his home, someone broke a window and stole some personal items from the vehicle. A claim was submitted for the $236.00 in sustained damage as charged by [redacted] Rental Car.The policy provides Coverage for damage to a rental car when certain conditions are met. As shown in the plan under the heading "RENTAL CAR COVERAGEIf you rent a car while on your Trip and the car is damaged while in your possession due to Collision, theft, vandalism, windstorm, fire, hail, flood or any cause not in your control, or the car is stolen While in your possession and not recovered, we will pay, up to the amount in the Schedule, the lesser of:a. the Cost of repairs and rental charges imposed by the rental company while the car is being repaired; orAs defined by the policy, "TRIP means:A period of round-trip travel at least 100 miles away from Home, excluding regular commuting and local travel; the purpose of the Trip is business or pleasure and is not to obtain health care or treatment of any kind; the Trip has defined departure and return dates specified when you purchase the coverage; the Trip does not exceed 45 days in length".Mr. [redacted] rented the vehicle for local transportation in his city of residence, and not for round-trip travel at least 100 miles away from his Home. The damage did not occur while Mr. [redacted] was on a covered Trip as defined by the policy. Therefore, there are no benefits payable for this loss.At the time of the insurance purchase, the Policy Confirmation Letter encouraged Mr. [redacted] to review the policy to determine if it Would meet his needs. Normally, a premium refund would not be available after the travel dates have passed and a loss has occurred. The Underwriter has reviewed this matter and determined that a refund of the plan cost will be issued as a customer service gesture. The refund will be Credited back to the Credit card used to purchase the plan.If you have any questions, please feel free to contact us at ###-###-####, by email at claimsQCsatravelprotection.com or by FAX at ###-###-####. Please ensure the claim number is included with your response.Sincerely,[redacted] | Sr. Technical Claims Specialist

March 04, 2015Revdex.com OF SAN DIEGOATTN: [redacted]4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123Complainant: [redacted] #[redacted]Insureds: [redacted] and [redacted]Claim Number: [redacted]Policy Number: [redacted]Travel Dates: December 21, 2014- December 26, 2014Dear Ms....

[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 February 25, 2015, notifying us of the complaint filed by Mr. [redacted].Mr. [redacted] booked a cruise for the above referenced insureds and purchased their travelprotection plan on August 20, 2014. The Policy Confirmation Letter confirming there was noCancel for Any Reason coverage, and the Description of Coverage outlining the plan'scoverage and coverage restrictions, were emailed to Mr. [redacted] at the time of the insurancepurchase.Mr. [redacted] called our office on November 03, 2014, requesting claim forms and stating that amilitary leave had been revoked. We received claim documents on December 04, 2014,indicating that the trip was canceled on October 23, 2014, because Ms. [redacted] did not receiveher leave of absence. There was a letter from the Department of the Army stating that effectiveDecember 03, 2014 Ms. [redacted]'s request for leave was denied. We confirmed with the travelagent that the cruise was canceled on October 23, 2014, with a refund less a $400.00 penalty.We were later provided with a letter from the Department of the Army dated December 19,2014. This letter stated that the leave was denied because Ms. [redacted] did not submit therequired documents in the allotted time to process.The policy provides Trip Cancellation coverage for a military leave being revoked when certainrequirements are met: "Your previously granted military leave being revoked. The leave must beapproved prior to your coverage becoming effective, and official written revocation notice fromyour commanding officer will be required."Based on the information provided, Ms. [redacted] did not submit the required documents to theArmy in a timely manner to have her leave approved. The policy requires that the leave must beapproved prior to the policy coverage becoming effective. Therefore, policy requirements thatwould allow payment of benefits were not met, and we cannot pay the claim.We were contacted throughout the claims process by [redacted] and [redacted]. Ultimately, aclaims supervisor informed Mr. [redacted] that we can only discuss the claim with the namedinsureds, Mr. [redacted] and Ms. [redacted].If you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-####.Sincerely,[redacted]Sr. Technical Claims Specialistcc: Generali U.S. Branch[redacted] / Director of ClaimsThese plans are administered by CSA Travel Protection and Insurance Services. Services areprovided through GSA's designated providers. Travel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) underPolicy/Certificate Form series T001. California is Underwritten by Generali Assicurazioni GeneraliS.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali- U.S. Branch, Oregon isUnderwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice - U.S.Branch.

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 You are denying our claim based on that Hurricane Matthew  was a declared Hurricane when we bought the policy on 10/4/16. No one could predict where the Hurricane was going and did not hit the Bahamas till 10/6 & 10/7. Under your denial due to Hurricane Matthew already existing and that you knew what it's path was, why did you sell us and others policies? You sold us trip insurance and should be held liable. 
Regards,
[redacted]

Revdex.com OF SAN DIEGO March 06, 2015ATTN: [redacted]4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123Complainant: [redacted] #1 [redacted]Insureds: [redacted] and [redacted]Claim Number: [redacted]Policy Number: [redacted]Travel Dates: December 21, 2014 - December 26, 2014 Dear Ms. [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 March 05, 2015, with additional information from Mr. [redacted].Mr. [redacted] indicates that he could not locate the Description of Coverage that was emailed tohim at the time of the insurance purchase.According to our records, on 8/20/14, the policy documents were emailed to the addressprovided of [redacted]. We got a call from [redacted] requesting the policy beresent on 12/29/14. It was again sent to [redacted]. [redacted] called againfor another copy of the policy on 2/13/15, and it was sent to [redacted]. On 2/17/15,[redacted] called and requested that we send a copy of the policy to[redacted]. It appears this is [redacted]'s email address.Mr. [redacted] states that he was told by an agent on the telephone that he would be reimbursed forthe full amount of the trip if they were to cancel at any time. This may have been misinformationprovided to him by his travel agent. The policy purchased provides Trip Cancellation benefits forthe prepaid, nonrefundable trip cost if the trip is canceled due to one of the plan's CoveredEvents. The optional Cancel for Any Reason coverage was not purchased.Unfortunately, the trip was not canceled due to one of the policy's Covered Events. Weappreciate Mr. [redacted]'s service to his country and apologize that we were unable to assist himin this matter.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 Specialistcc: Generali U.S. Branch[redacted] / Director of ClaimsThese plans are administered by CSA Travel Protection and Insurance Services. Services areprovided through GSA's designated providers. Travel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # 11231 (all states except as otherwise noted) underPolicy/Certificate Form series T001. California is Underwritten by Generali Assicurazioni GeneraliS.P.A. (U.S. Branch), Colorado is Underwritten by Assicurazioni Generali- U.S. Branch, Oregon isUnderwritten by Generali U.S. Branch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice- U.S.Branch.

CSA Travel Protection and Insurance Services represents Generali U.S. Branch as the administrator of the travel protection plan that was pu**hased. We received your email dated 11115/17, notifying us of the complaint filed by Ms. [redacted],Ms. [redacted] booked a cruise through ** with scheduled travel...

dates of 4/29/17 to 5/06/17. The travel insurance plan was pu**hased on 12/30/16, with Trip Cancellation coverage commencing on 12/31/16. 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 [redacted]([redacted].net.The plan offers Optional Coverage for Trip Cancellation for Any Reason only if pu**hased. Ms. [redacted] did not pu**hase this optional coverage. The Policy Confirmation Letter that was emailed to her at the time of pu**hase provided a listing of the Insurance Coverages Provided, and Trip Cancellation for Any Reason was not included in this list of Coverages.Ms. [redacted] indicates in the Revdex.com Complaint that she feels the [redacted] agent may have misled her about the policy coverage. We have reached out to [redacted] and asked them to look into this matter, and we await their response,Ms. [redacted] canceled the trip on 4/08/17, because she thought she might be losing her job. Ms. [redacted] subsequently confirmed that she was never terminated or laid off from the company. The policy provides benefits for a Trip Cancellation that results from one of the twenty-one (21) listed Covered Events,As stated in the policy under the heading "TRIP CANCELLATION BENEFIT...Covered Events.13. Your involuntary termination of employment or layoff (or the involuntary termination or layoff of your parent or guardian if you are a minor traveling alone), after continuous employment withthe same employer for 1 year or more, provided the termination or layoff occurs 14 days or more after your Coverage has taken effect. This benefit is not available to temporary employees, independent contractors, or self-employed persons".Ms. [redacted]'s employment was not terminated as required for benefits to apply under this plan. Therefore, we must reaffirm our original decision that no benefits are payable for this claim.If you have any questions, please feel free to contact us at (800) 541-3522, by email at[redacted]@Csatravelprotection.com or by FAX at (877) 300-8670. Please ensure the claim number is included with your response,[redacted] Sr. Technical [redacted] Specialist

CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchased. We are in receipt of your email dated July 25, 2016, notifying us of the complaint filed by Ms. [redacted].Ms. [redacted] booked a [redacted] cruise...

through [redacted] and made full payment for the trip on 10/21/15. The travel insurance plan was purchased on 10/28/15 with Trip Cancellation coverage commencing on 10/29/15. At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her.The trip was canceled on 10/30/15 due to roof damage to her home requiring repairs. The documentation provided, and per Ms. [redacted]'s customer complaint statement, the roof damage occurred prior to the 10/29/15 effective date of the policy.The policy will provide "TRIP CANCELLATION BENEFIT...if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy."Coverage is also subject to the plan's "GENERAL 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; t. any issue or event that could have been reasonably foreseen or expected when you purchased the coverage." The damage to the roof, and the knowledge that the roof required repairs, occurred before coverage began under this policy. The need for damage repairs was foreseen and expected prior to the purchase of the plan. Therefore, regretfully, we must reaffirm our original decision that no benefits are payable for this claim.If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.Sincerely, [redacted] Sr. Technical Claims 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 May 31, 2016, notifying us of the complaint filed by Mr. [redacted].Mr. [redacted] canceled his trip due to his back...

injury. He sought treatment with his chiropractor, Dr. [redacted]. This claim has been reevaluated and coverage will be afforded. The file will be reopened and the claims representative will ensure that We have all documentation needed to finalize the claim.If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response.Sincerely,[redacted]Sr. Technical Claims Sbecialistcc: [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 reason I am not accepting the clause from CSA is that , their oneway baggage coverage is useless, then why they are selling the baggage coverage for oneway?If a person is buying oneway and buy their baggage coverage , the destination is not final , what should be the action if the baggage is delayed for 2-days? If they can not re-reimbursement the expense for oneway, please request them not to sell that claim for one way. I want the money back if they are not ready to reimburse my expenses for this. Otherwise as a business consumer resource Revdex.com should take any action on this.Hope you can understand the pain of a normal customer. Thanks     
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.
If CSA is not going to honor the complaint, we request they refund what was paid for their policy.  Their answer is typical insurance jargon.  Kind of reminds me of the [redacted] Commercial: [redacted].Total disregard for the customer........
Regards,
[redacted]

December 10, 2014[redacted] I Revdex.com OF SAN DIEGO4747 VIEWRIDGE AVE #200SAN DIEGO, CA 92123[redacted] #[redacted] I Insured: [redacted]Claim Number: [redacted]Policy Number: [redacted]Dear Ms. [redacted]:CSA Travel Protection and Insurance Services...

represents Generali U.S. Branch as theadministrator of the travel protection plan that was selected. We are in receipt of your emaildated December 05, 2014, notifying us of the complaint filed by [redacted].Ms. [redacted] rented her property to [redacted] with scheduled travel dates of October 08,2014 to October 12, 2014. The Property Damage Protection coverage was purchased onOctober 01, 2014. At that time, a Georgia Travel Insurance Policy outlining the plan's coverageand coverage restrictions was emailed to our insured [redacted].On October 30, 2014, we received claim documents from Ms. [redacted] indicating that Ms.[redacted] had damaged furniture, a mattress, curtains, carpet, linens, along with pet hair throughoutthe house causing damage to the washing machine, and grease buildup in the kitchen. Theclaimed amount was $157.00 for repairs to the washing machine and $244.29 for extra cleaningand supplies. We contacted Ms. [redacted] to confirm that she and/or her guests had damaged theproperty. Ms. [redacted] denied all the damages other than the possible damage to the washingmachine.Under the heading 'VACATION RENTAL DAMAGE COVERAGE", it states "If you occupy anAccommodation and you damage the real or personal property assigned to thatAccommodation during the Trip, we will reimburse you the lesser of the cost of repairs or theActual Cash Value of the property, up to the amount shown in the Schedule."Ms. [redacted] denied responsibility for the damages claimed, except for the washing machine. Thispolicy only pays for damages caused by the Insured or their guests. We issued payment to Ms.[redacted] for the $157.00 repair cost of the washing machine. Based on the terms of the policy,no additional benefits are payable for this claim.If you have any questions feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (800) 300-8670.Sincerely,[redacted]Sr. Technical Claims Specialistcc: General US Branch[redacted]/ Director of Claims

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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.
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.
We reject because the company has not proposed action or made an offer to resolve the complaint. Response continues to make the same stipulations which only further support our position.The last company message further supports that exclusions are extensive and difficult to find as follows; "Description of Coverage on panel 5" and "The plan exclusions are listed on panels 9, 10, and 11."  That's THREE PAGES of exclusions that are not described until panel 5, and 9-11 in small print.  A reasonable consumer would not consider that transparent.  Answer also supports non-disclosed until after purchase "Description of Coverage is provided to the Insured upon purchase of the plan". We also provided copies of documents clearly showing "Cancellation Protection Confirmation" only after purchase.Clearly we are not the only customers with this experience, as evidenced by recent [redacted] coverage of a similar case for "Cancellation Protection" that was anything but.  This is deceptive even in the plan name of "Cancellation Protection".  Very little coverage, particularly for cancellation, is in fact provided. The company response says we may call, email or fax with questions.  When claim was denied, however, we asked whom we could speak with about claim resolution and were directed to our State Insurance Department. If there is a true desire to resolve our complaint, we would consider an offer to pay the $441 claim or, at a minimum, refund the $39 premium.  Stating the same thing over again and getting the same answers isn't resolving it.  CSA's practices may not have broken existing insurance codes, but they are unethical and predatory.  We are seeking what recourse we can and attempting to advise other consumers via this Revdex.com complaint.  
Regards,
[redacted]

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 October 27, 2015, notifying us of the complaint filed by Ms. [redacted].Ms. [redacted] purchased...

a diving tour on August 07, 2015. The travel insurance plan was purchased on September 21, 2015, with a Trip Cancellation coverage effective date of September 22, 2015. At that time a Policy Confirmation Letter along with a link to her Description of Coverage, outlining the plan's coverage and coverage restrictions, was emailed to her.On September 21, 2015, the diving tour was cancelled by the tour company, [redacted], due to Weather conditions.While the plan purchased provides coverage for common carrier cancellations due to adverse weather, it specifically states: "We will not pay for any loss under this Policy, caused by, or resulting from . . . [an] event or circumstance which occurs at a time when coverage is not in effect for you" and "any issue or event that could have been reasonably foreseen or expected when you purchased the coverage." Additionally, it states: "Trip Cancellation coverage will take effect at 12:01 A.M. local time at your location on the day after the date your premium payment is received by us or our authorized agent."The tour cancellation occurred prior to the plan effective date and the adverse weather was reasonably foreseeable when the plan was purchased. Therefore, 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].Sincerely,[redacted]

CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was selected.We received your email dated 9/15/16, with the additional information from Ms. [redacted]. It does not appear that Ms. [redacted] addressed any issues that require a response by CSA. As stated in our letter of 9/08/16, we have requested additional documentation from the patient's doctor to further investigate the claim.If you have any questions, please feel free to contact us at [redacted], by email at [redacted] or by FAX at [redacted]. Please ensure the claim number is included with your response,Sincerely,[redacted] Sr. Technical Claims Specialistcc: [redacted]