***, I already sent this information in a previous email back to youCan you please provide me with thcontactinformation for the representative at CSA that is working on this issue? Thank you
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] The details of the statement are true with the exception of the date of the occurrence and when the work could be preformed, what was conveniently left out is the letter from the roofer stating the work need on my home would need to take place while I would have been on my cruise, the roofer stated it would be when the raining subsided and that can not be predictedSo he estimates a week to ten days from the date of the occurrence on October 27,and my trip was scheduled for November 1st-7th, I would like to know why would I leave my home in that condition and miss getting the work done when it was scheduleI will not accept there response or action, and also they conveniently left out the death of my grandmother in my homeI'm a United States Vetran and find their service to be poor!
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 9/27/16, with additional information from Ms [redacted] ***According to the information obtained, Ms [redacted] originally booked travel to Hawaii from 1/24/to 2/08/This booking was canceled on 12/11/15, due to the fear of contracting an illnessThe policy provides benefits only for a cancellation due to one of the plan's listed Covered EventsThe fear of becoming ill is not one of the plan's Covered EventsTherefore, if Ms [redacted] had filed a claim for this loss, there would have been no coverage and the claim would have been deniedMs [redacted] was medically able to travel to Hawaii in January, based on medical records submitted to us for her subsequent claimOn 1/14/16, the rental Company, as a courtesy, allowed Ms [redacted] to use the house for a later trip in June The June trip was canceled on 2/18/16, days prior to her scheduled arrival at the rental propertyA new policy was not purchased to cover the new June travel datesHowever, upon receipt of Ms [redacted] ***'s claim, as a customer service gesture we revised her policy covering the January to February travel dates to show the new June travel datesOtherwise, there would have been no policy in force for the June travel datesThe claim was processed and based on the travel insurance plan's terms and conditions, and the published cancellation policy of the rental company, we issued payment to Ms [redacted] for $As previously stated, the remaining refund should be issued by the rental company in order to comply with their contract with Ms [redacted] *** 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-Please ensure the claim number is included with your responseSincerely, [redacted] SrTechnical Claims Specialist
Dear Ms***:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated June 24, 2015, with the additional information submitted by Ms***Ms [redacted] indicates that she did submit photos to us showing the stains on the linensWe do nothave any record of receiving the photos, but this would not have changed the claims decisionThis policy provides coverage for accidental damages caused by the named InsuredIn thiscase, the named Insured, [redacted] has indicated that no one in her rental party wasresponsible for the damaged linensAs such, we must abide by our original decision and denycoverage for this claimIf you have any questions, please feel free to contact us at [redacted] , by email [email protected] or by FAX at [redacted] Sincerely, [redacted] ***SrTechnical Claims Specialist cc: [redacted] / Director of Claims
[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***:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchasedWe 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] ' websiteSheclicked on a link that provided some basic information about the travel protection plan, and shequoted a portion of that document in her complaintThe 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 bookingTrip Cancellation benefits are provided ifa trip is canceled due to an illness when certain requirements are metUnder the heading TripCancellation Benefit, "Covered Events:The Sickness, Injury or death of you, your Family Member, your Traveling Companion or yourService AnimalThe 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 claimAcopy of the website document referenced in the complaint and the Description of Coverage areenclosed for your reviewIf you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Sincerely, [redacted] ***SrTechnical Claims Specialist cc: [redacted] I Director of Claims
Horrible insurance company I would not recommend CSA to anyone We purchased CSA insurance for a beach rental in Florida weeks later we found out our daughter was pregnant Her doctor told her not to go to this area because of concerns over the Zyka virusApparently CSA would rather have my pregnant daughter take a chance and go on vacationThey denied the claim because it isn't listed in their policyWhat a jokeI would not recommend this company to anyone [redacted] uses them as their insurance carrier, as do many other rental agenciesBe careful who you rent through
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 When looking into it I purchased the product because it was the "easiest", "safety measure" to protecting yourself in the event of a tripI paid for it and went with the fact that if I couldn't take leave I'd be covered cause of the hotel's cancellation policyThats what I was toldThis a horrible rip off of a situationAt the very least I should be fully refundedWhich would only make me slightly less up setI can't go on this tripCause of an eventEither this is a travel insurance company or it is a company that takes your money and insures very little to nothingIn my opinion it is the latterI want everyone to be aware of thatThere are channels on base I will be advertising all of the above correspondencesOutlining the fact that if you can't go on a trip due to deploying or possibility of deploying your not coveredI will always blog on every DoD websiteMilitary website, Facebook page I canI hate when insurance companies take your money selling you piece of mind and do whatever they can to not cover you 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 belowMs***,Thank you for your response but we still believe we were mislead regarding our Trip Cancellation Insurance policy we purchased through the VRBO websiteWhen we purchased the policy we DID read your "Travel Insurance Policy" to make sure it was what we wantedWe wanted to make sure an illness or death of a non-traveling parent would be covered and on page under definitions (Family Member) we found that yes, it would cover our trip if one of my husband's parents became illWe see you don't define "cancellation" or "interruption" in this sectionIn our book of synonyms and antonyms we see that synonyms for "cancel" are: delete, erase, call off, rescind, set aside, void and recallIn our Webster's Dictionary they define "cancel" as: to cross out to make invalid to do away with; abolish to neutralize or balanceUsing these common definitions we had no way of knowing that YOUR definition of CANCELLATION had a timeline attached; that once our trip began it wasn't "cancelled" but "interrupted" Nowhere does it state the difference between CANCELLATION and INTERRUPTION in your policyOn page of YOUR policy it states when coverage beginsI will quote your policy"Trip Cancellation coverage will take effect at 12:A.Mlocal time at your location on the day after the date your premium payment is received by us or our authorized agent." "WHEN COVERAGE ENDS YOUR COVERAGE AUTOMATICALLY ENDS ON THE EARLIER OF: THE DATE THE TRIP IS COMPLETED: OR THE SCHEDULED RETURN DATE; OR YOUR ARRIVAL AT THE RETURN DESTINATION ON A ROUND TRIP, OR THE DESTINATION ON A ONE-WAY TRIP; OR CANCELLATION OF THE TRIP COVERED BY THE POLICY." Ms***, we believe it is obvious why we are so confused as to why we are being denied coverage on this policyThe policy says coverage ends on the scheduled return date which was April 7, If you read the email sent to us that you also attached it states the Trip Cancellation Effective Date as Jan 27, Mar 17, What that looked like to us is the January date was the date of purchase and the March date was the first day of our tripThose are YOUR Effective datesHow can you say our coverage ended on the first day of our trip? We have researched Travel Insurance and Trip Cancellation InsuranceOn the " [redacted] " website which lists your company as a "trustworthy travel insurance company" they have a list that plans includeTheir site states: "Trip Cancellation Travel Insurance Plan Includes: trip cancellation coverage, trip interruption coverage, emergency medical & evacuation coverage and delayed, lost, stolen or damaged luggage." It sounds like someone needs to inform them that your company separates cancellation and interruption insurance policies and misleads customers as a way of denying claimsAs stated in our first Revdex.com communication, we had no reason to believe we needed to purchase "Trip Interruption" insuranceIt wasn't offered and after reading the emailed letter and policy, we believed we were covered for CANCELLATION of our trip before or during our vacationWe had no reasonable expectation of a need for an additional policyWe have read through your General Exclusions and can find NO REASON why our claim should be deniedPlease reconsider our claim of $2, [redacted] & [redacted] ----- Original Message ----- From:" [redacted] ***" To:" [redacted] " < [redacted] >Cc:" [redacted] " < [redacted] >Sent:Wed, Apr 17:39:+0000Subject:Revdex.com of San Diego | Complaint ID [redacted] | [redacted] 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, through April 7, 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, 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 & Licensing Enclosure/Attachment: Policy Confirmation Letter for # [redacted] including Travel Insurance Policy Cc: Revdex.com of San Diego [redacted] Vice President of Operations CSA Travel Protection [redacted] ***, ACP Director of Compliance and Licensing Phone [redacted] Fax [redacted] l [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 itIf 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----- Original Message ----- From: [redacted] To:< [redacted] >Cc: Sent:Apr 23:14:+0000Subject:You have a new message from the Revdex.comYou have a new message waiting for you from the Revdex.com in regards to consumer complaint # [redacted] Please click on the link below to access the online dispute resolution web site and read this messageIf a response is required, please respond through the system, using the link provided[redacted] If your email program does not support HTML copy and paste the link below into your browser [redacted] Revdex.com of San Diego (San Diego, CA) [redacted] Phone: [redacted] Fax: [redacted] Email: [redacted] Web: [redacted] Regards, [redacted]
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]
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated July 29, 2016, notifying us of the complaint filed by Ms***Ms [redacted] rented her property to [redacted] with scheduled travel dates of February 23, to March 31, The travel protection plan was purchased by Mr [redacted] on January 28, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to himOn June 20, 2016, we received claim documentation from Ms [redacted] stating that Mr [redacted] had damaged the kitchen countertopThere was a small burn hole on one portion of the laminate countertopMs [redacted] has provided a repair estimate to replace all of the countertops in the kitchen, and claims $3,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 propertyWe can only provide coverage to repair the portion of the countertop that was damaged by Mr***This policy does not cover the cost for Ms [redacted] to replace all of the countertops in her kitchenAt 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 damagedUpon 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 responseSincerely, [redacted] SrTechnical Claims Spedialist cc: Generali U.SBranch [redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 10/20/16, with additional information provided by Ms [redacted] for considerationMs [redacted] has provided a letter written by Dr [redacted] , which indicates that he first saw the patient for evaluation of a lesion on 06/03/A biopsy was performed at that time, resulting in a diagnosis of dysplasiaA second biopsy, performed on 6/22/16, showed a diagnosis of squamous cell carcinomaThis new diagnosis required surgery, and Ms [redacted] canceled the trip on 06/30/16, to assist her fatherBased on the new diagnosis after the 06/05/policy effective date, and the additional clarification of the illness from the patient's doctor, we have determined coverage can be afforded for this claimThe file will be reopened to issue payment for the non-refundable Trip cost paid of $The insurance cost is non-refundableIf you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your responseSincerely, [redacted] SrTechnical Claims Specialist cc: [redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 9/22116, with additional information provided by Mr***Mr [redacted] purchased the travel insurance plan on 7/12/At that time a Policy Confirmation Letter and Description of Coverage were emailed to himThe Confirmation Letter encourages the insured to review the policy documents, and if not satisfied within days, they can request the policy be canceled and the premium will be refundedThe 10-day free look period is also listed in the Description of Coverage along with the plan's coverage and coverage restrictionsIf the customer does not request a policy cancellation within the 10-day free look period, it is presumed that the plan has been found acceptableIn order to provide benefits for a Trip Cancellation, the reason for the cancellation must be one of the policy's listed Covered EventsThe policy will provide benefits for "A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disastersWe will only pay benefits for losses occurring within calendar days after the evacuation order is issuedIn order to cancel your Trip, you must have days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends"There was no mandatory evacuation order in place at Mr***' travel destination when the trip was canceledWe understand Mr***' decision to cancel travel plans, but this choice was not due to one of the plan's Covered EventsWe must adhere to the policy's terms and conditions, and therefore, find no benefits payable for this claim lf 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] SrTechnical Claims Specialist CC: [redacted] / Director of Claims
CSA Travel Protection is a SCAM...never sent a policy to me to know what was coveredWhen submitted a valid medical reason for having to cancel a trip, it was deniedThey ally advertise that medical reasons are covered and would not refund my moneyI have seen more than enough reviews stating similar situations for othersDo not buy insurance from this company!
Revdex.com OF SAN DIEGO August 08, ATTN: [redacted] MURPHY CANYON ROAD # SAN DIEGO, CA [redacted] # [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: May 31, 2014- June 07, Dear Ms***: CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 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, departure date listed on the policyDue to the circumstance that caused the loss, the trip departure date would not change the outcome of the claims decisionRegarding this loss, the Covered Events for Trip Cancellation Benefits and Trip Interruption Benefits are exactly the sameThe 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 cancellationRegretfully, 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- Sincerely, [redacted] SrTechnical Claims SR cialist cc: Generali U.SBranch [redacted] I Director of Claims
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated April 22, 2016, with additional information submitted by Mr [redacted] The letter from Mrs [redacted] 's doctor indicated that she should not fly, and did not provide a diagnosis other than pregnancyWe have not received information about any other medical condition that may have caused the trip to be canceledWe must still confirm that all policy requirements have been met, including ruling out any applicable exclusion, such as "pregnancy"In order to do so, we must contact Mrs [redacted] 's doctor for medical documentationWe need a completed Patient Authorization form from Mrs [redacted] to continue processing this claimIf you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Sincerely, [redacted] SrTechnical Claims Specialist cc: [redacted] / Director of 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 Based on the specific requirements that only a stolen passport or visa will be accepted, something not required for my trip, there was no way I was ever covered for the insurance purchased That was not something that was communicated to me by the travel agency, and I was instead told that the trip was covered I was not ever told that my trip would only be covered if I made sure to order a passport for my year old son Instead I was specifically told that a birth certificate had the same effect as a passport at his age I am not satisfied with the offer (as there is no offer) and would like to go to mediation or arbitration Please advise what steps are necessary to proceed In addition I have attached several documents sent to CSA with my claim In addition, I have filed a complaint and am proceeding with action against CSA with the California Department of Insurance Regards, [redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 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, to July 30, The Trip was canceled because Mr [redacted] had to care for a member of the family who was unable to travelThe policy provides Trip Cancellation benefits due to the illness of a Family Member when certain requirements are metAs stated under the heading Trip Cancellation Benefit, Covered Events: "The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service AnimalThe 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 doctorAt 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 CoverageThe plan only provides benefits for the specific Covered Events listed in the policyThe claims representative handling his claim did apologize to Mr [redacted] if [redacted] had given him misleading information about the planShe explained that in order for us to process his claim, we do need to have supporting documentation to confirm all policy requirements have been metUpon 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 responseSincerely, [redacted] SrTechnical Claims Specialist c: [redacted] / Director of Claims
Dear Ms***: CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated January 26, 2016, requesting documentation verifying our compensation of $to [redacted] ***Enclosed are two screen-prints of our system showing the payment made to Ms [redacted] on Thursday, January 14, and showing the address where the check was mailedPlease note there is typically a two business-day processing time from the date the check prints until it leaves our officeHowever, as Martin Luther King, JrDay was a United States Postal holiday, Ms***'s check actually left our office on Tuesday, January 19, 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.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 9/10/16, notifying us of the complaint filed by Mr***Mr [redacted] booked a cruise through Vacations to Go, and made final payment for the cruise on 11/24/On 12/01/15, he purchased the travel insurance plan, with Trip Cancellation coverage commencing on 12/02/At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's Coverage and coverage restrictions, were emailed to himThe Trip was canceled due to the illness and subsequent death of a Family MemberThe policy provides Trip Cancellation benefits due to the illness of a Family Member when certain requirements are metAs 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 PolicyCovered Events: The Sickness, injury or death of you, your Family Member, your Traveling Companion or your Service AnimalThe 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 fromsa loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage is not in effect for you; tany issue or event that could have been reasonably foreseen or expected when you purchased the coverage." According to the medical records obtained to investigate the claim, the patient was hospitalized beginning on 11/28/His condition worsened and he was transferred to palliative care on 12/04/15, and passed away on 12/08/The patient's illness commenced prior to the policy effective date, and the loss was reasonably foreseen or expected when the plan was purchasedTherefore, we must reaffirm our decision that no benefits are payable for this claimIf 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-Please ensure the claim number is included with your response Sincerely, [redacted] SrTechnical Claims Specialist cc: General U.SBranch [redacted] / Director of Claims
Dear Ms***; CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was selectedWe are in receipt of your email dated March 18, 2016, with additional information submitted by Mr***Mr [redacted] indicates that he spoke with [redacted] at [redacted] and they approved his requestAccording to a telephone call with [redacted] , when Mr [redacted] called to cancel the booking, she gave him our contact information so that he could file his claim [redacted] stated that no guarantee of coverage was providedNo claims can be pre-approved by the rental company or our customer service departmentThe claims determination is made after we have received all of the supporting documentationIn this instance, the winter storm that resulted in the trip cancellation had been named by weather officials two days prior to the purchase of the insuranceThe winter storm event was not unforeseen at the time of the insurance purchase as required for coverage to be grantedAs such, we are unable to pay this claimIf 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-Please ensure the claim number is included with your responseSincerely, [redacted] SrTechnical Claims Specialist
***, I already sent this information in a previous email back to youCan you please provide me with thcontactinformation for the representative at CSA that is working on this issue? Thank you
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] The details of the statement are true with the exception of the date of the occurrence and when the work could be preformed, what was conveniently left out is the letter from the roofer stating the work need on my home would need to take place while I would have been on my cruise, the roofer stated it would be when the raining subsided and that can not be predictedSo he estimates a week to ten days from the date of the occurrence on October 27,and my trip was scheduled for November 1st-7th, I would like to know why would I leave my home in that condition and miss getting the work done when it was scheduleI will not accept there response or action, and also they conveniently left out the death of my grandmother in my homeI'm a United States Vetran and find their service to be poor!
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 9/27/16, with additional information from Ms [redacted] ***According to the information obtained, Ms [redacted] originally booked travel to Hawaii from 1/24/to 2/08/This booking was canceled on 12/11/15, due to the fear of contracting an illnessThe policy provides benefits only for a cancellation due to one of the plan's listed Covered EventsThe fear of becoming ill is not one of the plan's Covered EventsTherefore, if Ms [redacted] had filed a claim for this loss, there would have been no coverage and the claim would have been deniedMs [redacted] was medically able to travel to Hawaii in January, based on medical records submitted to us for her subsequent claimOn 1/14/16, the rental Company, as a courtesy, allowed Ms [redacted] to use the house for a later trip in June The June trip was canceled on 2/18/16, days prior to her scheduled arrival at the rental propertyA new policy was not purchased to cover the new June travel datesHowever, upon receipt of Ms [redacted] ***'s claim, as a customer service gesture we revised her policy covering the January to February travel dates to show the new June travel datesOtherwise, there would have been no policy in force for the June travel datesThe claim was processed and based on the travel insurance plan's terms and conditions, and the published cancellation policy of the rental company, we issued payment to Ms [redacted] for $As previously stated, the remaining refund should be issued by the rental company in order to comply with their contract with Ms [redacted] *** 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-Please ensure the claim number is included with your responseSincerely, [redacted] SrTechnical Claims Specialist
Dear Ms***:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated June 24, 2015, with the additional information submitted by Ms***Ms [redacted] indicates that she did submit photos to us showing the stains on the linensWe do nothave any record of receiving the photos, but this would not have changed the claims decisionThis policy provides coverage for accidental damages caused by the named InsuredIn thiscase, the named Insured, [redacted] has indicated that no one in her rental party wasresponsible for the damaged linensAs such, we must abide by our original decision and denycoverage for this claimIf you have any questions, please feel free to contact us at [redacted] , by email [email protected] or by FAX at [redacted] Sincerely, [redacted] ***SrTechnical Claims Specialist cc: [redacted] / Director of Claims
[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***:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchasedWe 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] ' websiteSheclicked on a link that provided some basic information about the travel protection plan, and shequoted a portion of that document in her complaintThe 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 bookingTrip Cancellation benefits are provided ifa trip is canceled due to an illness when certain requirements are metUnder the heading TripCancellation Benefit, "Covered Events:The Sickness, Injury or death of you, your Family Member, your Traveling Companion or yourService AnimalThe 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 claimAcopy of the website document referenced in the complaint and the Description of Coverage areenclosed for your reviewIf you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Sincerely, [redacted] ***SrTechnical Claims Specialist cc: [redacted] I Director of Claims
Horrible insurance company I would not recommend CSA to anyone We purchased CSA insurance for a beach rental in Florida weeks later we found out our daughter was pregnant Her doctor told her not to go to this area because of concerns over the Zyka virusApparently CSA would rather have my pregnant daughter take a chance and go on vacationThey denied the claim because it isn't listed in their policyWhat a jokeI would not recommend this company to anyone [redacted] uses them as their insurance carrier, as do many other rental agenciesBe careful who you rent through
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 When looking into it I purchased the product because it was the "easiest", "safety measure" to protecting yourself in the event of a tripI paid for it and went with the fact that if I couldn't take leave I'd be covered cause of the hotel's cancellation policyThats what I was toldThis a horrible rip off of a situationAt the very least I should be fully refundedWhich would only make me slightly less up setI can't go on this tripCause of an eventEither this is a travel insurance company or it is a company that takes your money and insures very little to nothingIn my opinion it is the latterI want everyone to be aware of thatThere are channels on base I will be advertising all of the above correspondencesOutlining the fact that if you can't go on a trip due to deploying or possibility of deploying your not coveredI will always blog on every DoD websiteMilitary website, Facebook page I canI hate when insurance companies take your money selling you piece of mind and do whatever they can to not cover you 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 belowMs***,Thank you for your response but we still believe we were mislead regarding our Trip Cancellation Insurance policy we purchased through the VRBO websiteWhen we purchased the policy we DID read your "Travel Insurance Policy" to make sure it was what we wantedWe wanted to make sure an illness or death of a non-traveling parent would be covered and on page under definitions (Family Member) we found that yes, it would cover our trip if one of my husband's parents became illWe see you don't define "cancellation" or "interruption" in this sectionIn our book of synonyms and antonyms we see that synonyms for "cancel" are: delete, erase, call off, rescind, set aside, void and recallIn our Webster's Dictionary they define "cancel" as: to cross out to make invalid to do away with; abolish to neutralize or balanceUsing these common definitions we had no way of knowing that YOUR definition of CANCELLATION had a timeline attached; that once our trip began it wasn't "cancelled" but "interrupted" Nowhere does it state the difference between CANCELLATION and INTERRUPTION in your policyOn page of YOUR policy it states when coverage beginsI will quote your policy"Trip Cancellation coverage will take effect at 12:A.Mlocal time at your location on the day after the date your premium payment is received by us or our authorized agent." "WHEN COVERAGE ENDS YOUR COVERAGE AUTOMATICALLY ENDS ON THE EARLIER OF: THE DATE THE TRIP IS COMPLETED: OR THE SCHEDULED RETURN DATE; OR YOUR ARRIVAL AT THE RETURN DESTINATION ON A ROUND TRIP, OR THE DESTINATION ON A ONE-WAY TRIP; OR CANCELLATION OF THE TRIP COVERED BY THE POLICY." Ms***, we believe it is obvious why we are so confused as to why we are being denied coverage on this policyThe policy says coverage ends on the scheduled return date which was April 7, If you read the email sent to us that you also attached it states the Trip Cancellation Effective Date as Jan 27, Mar 17, What that looked like to us is the January date was the date of purchase and the March date was the first day of our tripThose are YOUR Effective datesHow can you say our coverage ended on the first day of our trip? We have researched Travel Insurance and Trip Cancellation InsuranceOn the " [redacted] " website which lists your company as a "trustworthy travel insurance company" they have a list that plans includeTheir site states: "Trip Cancellation Travel Insurance Plan Includes: trip cancellation coverage, trip interruption coverage, emergency medical & evacuation coverage and delayed, lost, stolen or damaged luggage." It sounds like someone needs to inform them that your company separates cancellation and interruption insurance policies and misleads customers as a way of denying claimsAs stated in our first Revdex.com communication, we had no reason to believe we needed to purchase "Trip Interruption" insuranceIt wasn't offered and after reading the emailed letter and policy, we believed we were covered for CANCELLATION of our trip before or during our vacationWe had no reasonable expectation of a need for an additional policyWe have read through your General Exclusions and can find NO REASON why our claim should be deniedPlease reconsider our claim of $2, [redacted] & [redacted] ----- Original Message ----- From:" [redacted] ***" To:" [redacted] " < [redacted] >Cc:" [redacted] " < [redacted] >Sent:Wed, Apr 17:39:+0000Subject:Revdex.com of San Diego | Complaint ID [redacted] | [redacted] 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, through April 7, 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, 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 & Licensing Enclosure/Attachment: Policy Confirmation Letter for # [redacted] including Travel Insurance Policy Cc: Revdex.com of San Diego [redacted] Vice President of Operations CSA Travel Protection [redacted] ***, ACP Director of Compliance and Licensing Phone [redacted] Fax [redacted] l [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 itIf 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----- Original Message ----- From: [redacted] To:< [redacted] >Cc: Sent:Apr 23:14:+0000Subject:You have a new message from the Revdex.comYou have a new message waiting for you from the Revdex.com in regards to consumer complaint # [redacted] Please click on the link below to access the online dispute resolution web site and read this messageIf a response is required, please respond through the system, using the link provided[redacted] If your email program does not support HTML copy and paste the link below into your browser [redacted] Revdex.com of San Diego (San Diego, CA) [redacted] Phone: [redacted] Fax: [redacted] Email: [redacted] Web: [redacted] Regards, [redacted]
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]
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated July 29, 2016, notifying us of the complaint filed by Ms***Ms [redacted] rented her property to [redacted] with scheduled travel dates of February 23, to March 31, The travel protection plan was purchased by Mr [redacted] on January 28, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to himOn June 20, 2016, we received claim documentation from Ms [redacted] stating that Mr [redacted] had damaged the kitchen countertopThere was a small burn hole on one portion of the laminate countertopMs [redacted] has provided a repair estimate to replace all of the countertops in the kitchen, and claims $3,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 propertyWe can only provide coverage to repair the portion of the countertop that was damaged by Mr***This policy does not cover the cost for Ms [redacted] to replace all of the countertops in her kitchenAt 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 damagedUpon 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 responseSincerely, [redacted] SrTechnical Claims Spedialist cc: Generali U.SBranch [redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 10/20/16, with additional information provided by Ms [redacted] for considerationMs [redacted] has provided a letter written by Dr [redacted] , which indicates that he first saw the patient for evaluation of a lesion on 06/03/A biopsy was performed at that time, resulting in a diagnosis of dysplasiaA second biopsy, performed on 6/22/16, showed a diagnosis of squamous cell carcinomaThis new diagnosis required surgery, and Ms [redacted] canceled the trip on 06/30/16, to assist her fatherBased on the new diagnosis after the 06/05/policy effective date, and the additional clarification of the illness from the patient's doctor, we have determined coverage can be afforded for this claimThe file will be reopened to issue payment for the non-refundable Trip cost paid of $The insurance cost is non-refundableIf you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your responseSincerely, [redacted] SrTechnical Claims Specialist cc: [redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 9/22116, with additional information provided by Mr***Mr [redacted] purchased the travel insurance plan on 7/12/At that time a Policy Confirmation Letter and Description of Coverage were emailed to himThe Confirmation Letter encourages the insured to review the policy documents, and if not satisfied within days, they can request the policy be canceled and the premium will be refundedThe 10-day free look period is also listed in the Description of Coverage along with the plan's coverage and coverage restrictionsIf the customer does not request a policy cancellation within the 10-day free look period, it is presumed that the plan has been found acceptableIn order to provide benefits for a Trip Cancellation, the reason for the cancellation must be one of the policy's listed Covered EventsThe policy will provide benefits for "A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disastersWe will only pay benefits for losses occurring within calendar days after the evacuation order is issuedIn order to cancel your Trip, you must have days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends"There was no mandatory evacuation order in place at Mr***' travel destination when the trip was canceledWe understand Mr***' decision to cancel travel plans, but this choice was not due to one of the plan's Covered EventsWe must adhere to the policy's terms and conditions, and therefore, find no benefits payable for this claim lf 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] SrTechnical Claims Specialist CC: [redacted] / Director of Claims
CSA Travel Protection is a SCAM...never sent a policy to me to know what was coveredWhen submitted a valid medical reason for having to cancel a trip, it was deniedThey ally advertise that medical reasons are covered and would not refund my moneyI have seen more than enough reviews stating similar situations for othersDo not buy insurance from this company!
Revdex.com OF SAN DIEGO August 08, ATTN: [redacted] MURPHY CANYON ROAD # SAN DIEGO, CA [redacted] # [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: May 31, 2014- June 07, Dear Ms***: CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 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, departure date listed on the policyDue to the circumstance that caused the loss, the trip departure date would not change the outcome of the claims decisionRegarding this loss, the Covered Events for Trip Cancellation Benefits and Trip Interruption Benefits are exactly the sameThe 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 cancellationRegretfully, 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- Sincerely, [redacted] SrTechnical Claims SR cialist cc: Generali U.SBranch [redacted] I Director of Claims
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated April 22, 2016, with additional information submitted by Mr [redacted] The letter from Mrs [redacted] 's doctor indicated that she should not fly, and did not provide a diagnosis other than pregnancyWe have not received information about any other medical condition that may have caused the trip to be canceledWe must still confirm that all policy requirements have been met, including ruling out any applicable exclusion, such as "pregnancy"In order to do so, we must contact Mrs [redacted] 's doctor for medical documentationWe need a completed Patient Authorization form from Mrs [redacted] to continue processing this claimIf you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Sincerely, [redacted] SrTechnical Claims Specialist cc: [redacted] / Director of 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 Based on the specific requirements that only a stolen passport or visa will be accepted, something not required for my trip, there was no way I was ever covered for the insurance purchased That was not something that was communicated to me by the travel agency, and I was instead told that the trip was covered I was not ever told that my trip would only be covered if I made sure to order a passport for my year old son Instead I was specifically told that a birth certificate had the same effect as a passport at his age I am not satisfied with the offer (as there is no offer) and would like to go to mediation or arbitration Please advise what steps are necessary to proceed In addition I have attached several documents sent to CSA with my claim In addition, I have filed a complaint and am proceeding with action against CSA with the California Department of Insurance Regards, [redacted]
CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 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, to July 30, The Trip was canceled because Mr [redacted] had to care for a member of the family who was unable to travelThe policy provides Trip Cancellation benefits due to the illness of a Family Member when certain requirements are metAs stated under the heading Trip Cancellation Benefit, Covered Events: "The Sickness, Injury or death of you, your Family Member, your Traveling Companion or your Service AnimalThe 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 doctorAt 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 CoverageThe plan only provides benefits for the specific Covered Events listed in the policyThe claims representative handling his claim did apologize to Mr [redacted] if [redacted] had given him misleading information about the planShe explained that in order for us to process his claim, we do need to have supporting documentation to confirm all policy requirements have been metUpon 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 responseSincerely, [redacted] SrTechnical Claims Specialist c: [redacted] / Director of Claims
Dear Ms***: CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated January 26, 2016, requesting documentation verifying our compensation of $to [redacted] ***Enclosed are two screen-prints of our system showing the payment made to Ms [redacted] on Thursday, January 14, and showing the address where the check was mailedPlease note there is typically a two business-day processing time from the date the check prints until it leaves our officeHowever, as Martin Luther King, JrDay was a United States Postal holiday, Ms***'s check actually left our office on Tuesday, January 19, 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.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 9/10/16, notifying us of the complaint filed by Mr***Mr [redacted] booked a cruise through Vacations to Go, and made final payment for the cruise on 11/24/On 12/01/15, he purchased the travel insurance plan, with Trip Cancellation coverage commencing on 12/02/At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's Coverage and coverage restrictions, were emailed to himThe Trip was canceled due to the illness and subsequent death of a Family MemberThe policy provides Trip Cancellation benefits due to the illness of a Family Member when certain requirements are metAs 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 PolicyCovered Events: The Sickness, injury or death of you, your Family Member, your Traveling Companion or your Service AnimalThe 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 fromsa loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage is not in effect for you; tany issue or event that could have been reasonably foreseen or expected when you purchased the coverage." According to the medical records obtained to investigate the claim, the patient was hospitalized beginning on 11/28/His condition worsened and he was transferred to palliative care on 12/04/15, and passed away on 12/08/The patient's illness commenced prior to the policy effective date, and the loss was reasonably foreseen or expected when the plan was purchasedTherefore, we must reaffirm our decision that no benefits are payable for this claimIf 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-Please ensure the claim number is included with your response Sincerely, [redacted] SrTechnical Claims Specialist cc: General U.SBranch [redacted] / Director of Claims
Dear Ms***; CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was selectedWe are in receipt of your email dated March 18, 2016, with additional information submitted by Mr***Mr [redacted] indicates that he spoke with [redacted] at [redacted] and they approved his requestAccording to a telephone call with [redacted] , when Mr [redacted] called to cancel the booking, she gave him our contact information so that he could file his claim [redacted] stated that no guarantee of coverage was providedNo claims can be pre-approved by the rental company or our customer service departmentThe claims determination is made after we have received all of the supporting documentationIn this instance, the winter storm that resulted in the trip cancellation had been named by weather officials two days prior to the purchase of the insuranceThe winter storm event was not unforeseen at the time of the insurance purchase as required for coverage to be grantedAs such, we are unable to pay this claimIf 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-Please ensure the claim number is included with your responseSincerely, [redacted] SrTechnical Claims Specialist