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 March 31, 2016, with additional information submitted by Mrs [redacted] The Zika Virus is a public health risk in certain areas and we understand Mrs [redacted] 's choice to cancel her tripIn order to qualify for Trip Cancellation Benefits under the travel insurance plan purchased, the reason for the trip cancellation must be one of the Covered Events listed in the policyThe fear of contracting the Zika Virus is not one of the policy's Covered EventsWe have not denied this claim due to a Pre-Existing Condition, nor have we quoted policy language regarding a Pre-Existing ConditionThe claim was denied because there is no evidence of any Sickness that first commenced "while your coverage was in effect under the Policy, must require 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"The plan does provide coverage for "Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverageThe vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased." There is no indication that any vaccination or inoculation that is required to enter any of the countries where Mrs [redacted] was scheduled to travel, were announced or published after the policy was purchasedAny vaccination requirements for entry into a country of their destination were already in place prior to the policy purchaseMrs [redacted] references travel to India, but based on the trip itinerary, they were not scheduled to travel to India during this trip A Zika Virus vaccine is being worked on by Bharat Biotech InternationalIt is a potential candidate for a vaccine that is entering clinical pre-trials in animals and will take months before human testing is conductedWe must reaffirm our decision that no benefits are payable for this claimIf 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] Claims Department [redacted] Ext***
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***, A claim has not been submitted regarding our loss because when I called and spoke with [redacted] on March 25, he said we weren't covered and would not send us a claim form or tell us where we could locate oneMy husband and I are currently busy making funeral plans for his mother and taking care of his year old father but when we have the time, we will once again read the policy we purchasedWe have read it several times and are still a bit annoyed at your company and its misleading advertisingThe statement you must be referring to is: ..."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..."I that correct? If you are standing by your misleading advertising it appears that we would be wasting our time and energy during this difficult time filling out the forms and obtaining the necessary Hospice and death certificate papersThere is no way we can ever recommend your products to anyone because of your misleading advertising on the VRBO websiteNeither of you want to take responsibility for those statements and you point fingers at the other companyAfter reading many complaints regarding your company on the Revdex.com website we wish we had investigated your company before purchasing either this Travel Insurance Policy or the Property Damage Protection policyWe haven't a clue how the Revdex.com can still rate you an A+ company Regards, [redacted]
This insurance protection company does not focus on customer experience or customer satisfactionThe local manager, Michael, allowed me the use of his quote: "The level of customer service you are expecting is not cost effective for our company." When I asked for an update of my claim this was his responseHe went on further to say that they don't have time to respond to every client, they have way too big of a case loadMy goal is to decrease their case load so they might be able to find a way to keep a smaller client base and learn how to maintain customersThis company is focused on keeping their premiums and not offering payout to worthy customersStay away
CSA Travel Protection is the administrator of the travel protection plan that Ms [redacted] purchased on October 21,We are in receipt of your letter on this case dated June 17, As Mr [redacted] noted, the claim issue has been resolved and CSA are responding to the new compliant regarding the product information provided to HomeAway owners CSA Travel Protection provides travel insurance and emergency assistance plans for consumer purchases Ms [redacted] had purchased one of our travel protection plans through a HomeAway listing site, in conjunction with the purchase of rental accommodations from Mr [redacted] The Property Damage Protection product Ms [redacted] purchased from HomeAway is issued to travelers while they are away from their homeThe coverage is intended to reimburse for any accidental damage the insured causes to an owner's property/accommodations during the renter's vacation We understand and appreciate Mr [redacted] 's feedback that there was confusion as to who the insured party was on this purchase, and confusion about the intention of the productCSA is committed to providing optimal service to our customers and partners, and will take this opportunity to work with HomeAway to enhance and clarify our owner information and training materials We apologize for any confusion or misunderstanding that our product information has caused Mr [redacted] , and are pleased that the issue with the damage claim investigation has been resolvedIf there is anything additional we can do to investigate this matter, please do not hesitate to contact me directly at ###-###-#### or ***@csatp.com Sincerely, [redacted] Compliance Manager
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 9/27/16, notifying us of the complaint filed by [redacted] ** [redacted] booked an airline ticket from Buffalo, New York to London, scheduled to depart on 8/29/The travel insurance plan was purchased on 8/17/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 on 8/29/16, because Mr [redacted] did not have possession of the passport and visa necessary to take this tripThe policy only provides benefits for a trip cancellation that results from one of the specific Covered Events listed in the planThe failure to have the proper travel documents is not one of the plan's Covered EventsTherefore, we must reaffirm our original decision that no benefits are payable for this claimIf you have any questions, please feel free to contact us at [redacted] 2, by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your responseSincerely, [redacted] SrTechnical Claims Spécialist c: [redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated October 25, 2016, notifying us of the complaint filed by Ms [redacted] Ms [redacted] purchased airline tickets with scheduled travel dates of December 01, to December 13, The travel insurance plan was purchased on August 18, 2016, with coverage for Trip Cancellation commencing on August 19, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to herThe Description of Coverage lists the eleven (11) Covered Events that will allow payment of Trip Cancellation benefitsThis plan does not offer Cancel for Any Reason coverage, The Policy Confirmation Letter encourages the insured to review the policy documents carefullylf the plan does not meet the needs of the customer, there is a 10-day free look period to cancel the policy and receive a refund of the insurance premiumThis is also listed in the Description of Coverage under the heading "10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COWERAGE"Ms [redacted] contacted our office on October 24, 2016, to establish a Trip Cancellation claim due to having a layover in a location that has a travel advisory, and due to uncertainty of scheduling for a house sale closing processIt was explained that these reasons did not appear to be ones that would allow payment of a Trip Cancellation claim under the terms of this policyMs [redacted] has not yet submitted a claim to us for reviewUpon receipt of the claim with supporting documentation, we can further review this matter and inform Ms [redacted] of 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-Please ensure the claim number is included with your responseSincerely, [redacted] Sr, Technical Claims Specialist cc: Generali U.SBranch [redacted] / Director of Claims
[redacted] I Revdex.com OF SAN DIEGO November 14, VIEWRIDGE AVE # SAN DIEGO, CA [redacted] # [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: November 14, 2014- November 22, Dear Ms***: GSA 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 notifying us of the complaint filed by Ms [redacted] Ms [redacted] booked a cruise and purchased the travel insurance plan on October 01,She canceled the trip on October 16, 2014, due to the death of a family member and expenses that she had Incurred due to that death The family member's death occurred on September 05, The policy purchased provides benefits for a trip cancellation due to a family member death when the death occurs while the policy is in effect "The following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy Covered Events: The Sickness, Injury or death of you, your Family Member" Coverage is also subject to the plan's GENERAL EXCLUSIONS: "We will not pay for any loss under this Policy, caused by, or resulting !romsa loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage Is not in effect for you" The death of Ms [redacted] 's family member occurred prior to the policy effective date and is, therefore, excluded from coverageAlso, a cancellation due to financial circumstances is not one of the plan's Covered EventsAs such, we must reaffirm our denial of this claim If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300- Sincerely, [redacted] SrTechnical Claims Specialist cc: [redacted] / Director of Claims
[redacted] ***/ Revdex.com OF SAN DIEGO September 17, [redacted] ROAD # SAN DIEGO, CA [redacted] # Claim Number: [redacted] Policy Number: [redacted] Travel Dates: October 11, 2014- October 14, 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 September 17, 2014, notifying us of the complaint filed by Mr [redacted] Mr [redacted] booked a trip through Cabin Rentals of [redacted] with scheduled travel dates of October 11, to October 14, The travel protection plan was purchased on April 25, At that time a Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Mr [redacted] Mr [redacted] canceled the trip because he felt he could be deployedThe policy provides benefits only if a trip is canceled due to one of the specific reasons listed in the policy Under the heading TRIP CANCELLATION BENEFIT it states: "Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy Your previously granted military leave being revokedThe leave must be approved prior to your coverage becoming effective, and official written revocation notice from your commanding officer will be required" Mr [redacted] has confirmed that his leave had not been approved prior to coverage becoming effectiveTherefore, he did not meet the requirements that would allow payment of benefits under this perilRegretfully, we are unable to provide benefits for his claim If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300- Sincerely, [redacted] SrTechnical Claims Specialist cc: General US Branch [redacted] / Director of Claims
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 May 07, 2015, notifying us of the complaint filed by Mrs [redacted] Mrs [redacted] and her traveling companions booked a rental property with scheduled travel datesof December 30, to January 02, The travel insurance plan was purchased onNovember 27, 2014, with a Trip Cancellation coverage effective date of November 28, 2014.Mr [redacted] passed away on November 30, 2014, due to Coronary Artery Disease as shown onthe death certificate provided to us.The policy provides benefits for Trip Cancellation if the insured is prevented from taking theirTrip due to one of the unforeseeable Covered Events listed in the plan that occurs whilecoverage is in effect under the PolicyThe policy effective date is within two days of Mr[redacted] 's passing, and the cause of death listed on the death certificate is a chronic medicalconditionTherefore, we must ensure that Mr [redacted] died due to an event that was unforeseenat the time of the insurance purchaseWe requested the medical records from the treating facility in February 2015, after receiving thecompleted patient authorization formUnfortunately, after refaxing and mailing our request andmany telephone calls to the facility for status, the records have still not been received in ourofficeMost recently, on April 27, 2015, we were told the records would be sent that week.When we followed up on May 07, 2015, we were told that the mail room was backed up and itcould take business daysNormally, it does not take this long for a medical facility to comply with our request for medicalrecordsWe apologize for the delay in finalizing the claimOnce the records are received, theywill be reviewed immediately to confirm all policy terms have been met to allow payment of theclaimIf 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.I had also filed a complaint with a local (Phoenix-area) TV station who assists with consumer complaints - it is a volunteer-based program They have been working on this case the past several weeks They contacted me this morning with information that my complaint is being reviewed by an internal board Apparently, the company was concerned about the publicity this story would create by potentially being broadcast on the news and have agreed to review the details at a higher level internallyShould I respond to this complaint with Revdex.com, as required, within seven business days? I'm not sure what to do at this point Thank you for any advice.***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below this response is NOT ACCEPTABLE! First of all, I sent in the claim to CSA on 10/15/via email and by facsimileIt appears their claims receiving department is as incompetent as the adjusters The damage provision policy purchased by the renter is not provided to the homeowners renting the property AND the Property Damage Coverage that is advertised on the website claims coverage for "damages, soiled linens, etc and EXCESSIVE CLEANING but never indicates that claims for damage is solely conditioned on the renter ADMITTING to the damage No one would ever admit to it and from reading all the forums from homeowners regarding CSA this appears to be a continuing issue of misrepresentation This is an EASY CLAUSE for CSA to get out of paying any claims CSA is committing fraud as well as baiting the homeowners to offer this useless coverage to renters in believing that any damage claims reported will be covered See attachments wherein CSA advertises their coverage assuring the homeowner that their claims will be covered The mere fact that the renter admitted to damaging my washing machine is blatant sign that the other damage did result from herI requested and submitted all proof for the reimbursement of the machine repair, the cleaning service fee that I incurred together with the supplies that were purchasedPaying only a portion of the claim (washing machine) is unacceptable These people completely destroyed my home and no person in their right mind would ever admit to such damage (soiled sanitary napkins, diapers, grease, damaged curtains, stained furniture)CSA is commiting fraud and will be reported I am requesting the reimbursement of the cleaning service fee and supplies 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 belowThis is the same exact letter that we received the very first time we made a claim to themThis is the “lowest on the totem pole” agentI spent my time working with his supervisor [redacted] and HIS supervisor How absurd is that “the insured denied the actions that resulted in the damage” He LIEDWe have PROOFSo this is how a company does business This is patently ridiculous and we insist that you do NOT CONSIDER THIS CLAIM RESOLVED It is not! Regards, [redacted]
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.On August I was transferred to a CSA Travel Protection AgentThis agent from the CSA Travel Protection Company agent assuredly said we would receive a full refund for cancelingI was misinformed by the agent of CSA Travel Protection not my travel agentThe miscommunication is coming from the CSA Travel Company that provides insurance if cases like ours happenTo make it clear, OUR country THAT I SERVE PROUDLYOnce again if I would have received the email dated August 2014, I would have canceled the policySince I was misinformed by the CSA Travel Protection Agent at that time, I obviously cannot get the $owed to me and my familyI am sure if the CSA Travel Protection Representative were in my shoes he would understand what a dis-service this is and how this company does not honor their productThis could have been avoided if the email was sent by the CSA Travel Protection AgentYes I have looked in all my messages and never received one for August Regards, [redacted] ***
Revdex.com OF SAN DIEGOATTN: [redacted] Complaint ID [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: April 22, 2015- May 10, Dear MsGovas:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was selectedWe are in receipt of your emaildated 5/25/for a complaint filed by [redacted] on behalf of [redacted] .On 6/29/a reservation was made for Ms [redacted] through Affordable Tours for travel4/22/through 5/10/A confirmation of the arrangements was emailed to Mrs [redacted] on11/19/The confirmation indicated that if you were traveling outside of the United States thattravel visas might be required for entry into foreign countriesIt further states that acquiringvisas are the responsibility of the travelerMs [redacted] did not obtain the necessary visas toenter a foreign country and was denied boarding by the airlineIt appears that Ms [redacted] also needed a visa for Germany and Italy which also were not obtainedThe policy purchased provides benefits for certain listed events that are outlined in the policythat was purchasedThe confirmation and policy was emailed to Mrs [redacted] on 7/1/toemail address [redacted] The policy outlined the events that would providebenefits in the case of a trip cancellation or interruptionUnfortunately, not purchasing therequired visas to enter foreign countries is not a covered event in the policyAs such, we mustreaffirm our denial of benefits for Ms [redacted] If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim numberis included with your responseSincerely, [redacted] ***Claims Department Supervisor [redacted] Ext***cc: [redacted] Director of Claims These plans are administered by CSA Travel Protection and Insurance ServicesServices areprovided through GSA's designated providersTravel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # (all states except as otherwise noted) underPolicy/Certificate Form series TCalifornia is Underwritten by [redacted] S.P.A(U.SBranch), Colorado is Underwritten by Assicurazioni Generali- U.SBranch, Oregon isUnderwritten by Generali U.SBranch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice- U.S.Branch
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?V?RV??W Last summer we had a guests who stayed in one of our vacation rental properties in [redacted] in JulyWhen they booked the property with us they purchased a CSA damage protection policy which GUARANTEED protection up to $Immediately after they left the property - within hours - the then current guests called at 4am to say that there was a leak in the laundryA plumber was sent immediately only to find out that the leak was coming from the ceilingThe ceiling collapsed and upon further investigation it was discovered that the air conditioning coils were frozenWe were told by the different technicians who were subsequently involved, that the only way that could happen was if someone turned the thermostat very low causing the airconditioning unit to not be able to keep up (it was and above every day they were there.) This would cause the unit to be running continually and finally freezeWe have a Nest Thermostat and upon checking the history we did indeed find that during his stay that the thermostat was set for degrees and was running almost continuouslyWe filed a claim with CSA and I emailed the guest - [redacted] to tell him he would be getting a call from them but not to worry as he had purchased insurance that completely protected himI never heard back from himI wrote to him a second time and, again, never heard back from himThis time I told him that if the CSA claim was denied that we would have to personally sue him for the damagesI was told by CSA that when they contacted him he denied turning the temperature downThat was enough for CSAHe denied culpability and that was thatBecause we had such an overwhelming amount of evidence in our favor, we contested CSA's refusal to pay our claims and continued to supply them with all the information that they requestedThey had an answer for every single piece of information we gave them claiming that it proved nothing and simply kept asking for yet one more pice of information until they finally said they only needed one thing more - to talk to the man who installed the new handlerThey handled this by simply never being available to talk to him and never returning his calls?UR ISSU?S: L?C? ?F ?????R??? ??D ????CS ?UR? US ?LL We use the company [redacted] and specifically VRBO to market our homesThey strongly advise that we offer damage protection saying that it will protect US the ownersTherefore we mandated all our guests to purchase itAfter this happened we were told that the pollcy Is OWNED BY AND PROTECTS THE RENTER NOT THE OWNER and if the owner says they did not do something then that is thatF?C?S ???? ????G??? ?G???S? ????GR??? ??D ????CS Our company traveled to the VRMA (Vacation Rental Managers Conference) conference last weekThis is what I discovered: • In my effort to find a person of authority with whom I could discuss this issue, I found several individuals who immediately guessed that CSA was the company I was having a problem with because they had had issues with them as well denying claimsOne of them significantI was advised to talk to the Insurance Board of AZFinally I was encouraged to talk to the head of the ethics committeeHe will be communicating with themHe personally had the denial of cases of customers who bought trip interruption insurance from themThey denied all the claims of all individuals who could not get to their rentals because a hurricane completely cut off all access to the island where there homes wereHis battle with them was finally resolved in his favorBut it illustrates that this has been going on seriously for years• [redacted] only offers products from ONE insurance company - CSA• [redacted] gets a commission from every CSA policy that is sold and a generous one• They have a longstanding relationship with CSA and I was told by their employees this was not going to changeThey would not be switching to another company• CSA and [redacted] were GOLD sponsors of the VRMA convention showing that they all have deep alliances and spent a huge amount of money for this convention of • CSA made a presentation that said their product PROTECTED OWNERS AND RENTERS• CSA in their presentation boasted of the large amount of money they made last year and the significant rise in customers and growth they had made last year• Last but not least - we lost $4, [redacted] is the largest and most successful vacation rental organizationThat means that thousands upon thousands of individuals have been, are or will be affected by this company's unethical business practices when thy go to make their claimsThe little guy is going to get hurt the mostYes - this type of thing happens every single day at every level of lifeBut someone has to take a stand even in one small wayEvery single time that we say - Ok-forget it, we loseWe lose our integrity, our ethics our moral compassWe have lost all trust in this country, in every one in it, our doctors, our politicians, out businessmen, our neighborsNo one feels safeNo one can trust that when someone says they will do something they willThis is just one more business that puts the bottom line above everythingLetting these things go simply helps everything our country stands for to disintegrate just a little more Regards, [redacted]
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated May 12, 2016, with additional information provided by Ms [redacted] Ms [redacted] indicates that she did try to get an appointment to see her doctor for her medical conditionAs indicated in our previous response, in order to qualify for Trip Cancellation benefits the policy states: "The Sickness or Injury must commence while coverage is in effect, require the examination by a Physician, in person, at the time of Trip Cancellation or delay and, in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip or delay your arrival on your Trip." According to our telephone call to Dr [redacted] 's office, Ms [redacted] has not been seen in-person at their facility during As such, there is no medical documentation to substantiate her claimWe are unable to reimburse her for her lossIf 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 Generali U.SBranch as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated January 23, 2015, with additional information submitted by Ms [redacted] Ms [redacted] has requested that the claim be reconsideredWe have reevaluated the file anddetermined that benefits can be affordedThe file will be reopened and payment for $235.00will be issuedIf you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-#### Sincerely, [redacted] SrTechnical Claims Specialist
CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was purchasedWe received your emails dated January 31, 2015, notifying us of thecomplaints filed by [redacted] and Yana [redacted] Both parties are on the same policy andhave filed the same complaintThis letter is in response to both of their complaints.When Mr [redacted] and Ms [redacted] arrived at their return destination in Denver on October 18,2014, their bags were missingThe bags were delivered to them on October 23, BetweenOctober 21, and October 23, 2014, Mr [redacted] and Ms [redacted] purchased clothing,toiletries, medication, and other items, and filed a Baggage Delay claim for $,Baggage Delay Benefits are provided as follows: "We will reimburse you, up to the amountshown in the Schedule for the cost of reasonable additional clothing and personal articlespurchased by you, if your Baggage is delayed for hours or more during your Covered Trip.We will also reimburse you up to $for expenses incurred during your Covered Trip toexpedite the return of your delayed baggageThis coverage terminates upon your arrival at thereturn destination of your Covered Trip." Coverage for Baggage Delay is to assist the travelerwith the purchase of emergency items while they are on the Covered TripWhen the policy is bought, there is a Ten Day Free Look to determine if the plan will meet theneeds of the purchaserThe policy states: "If you are not satisfied for any reason, you maycancel your coverage within days of your application date or receipt of this document,whichever is laterA letter indicating your desire to cancel should be sent to us or ourauthorized agentlfthere has been no incurred covered expense and you haven't already lefton your Trip, you will receive a full refund of your plan costAfter this 0-day free look period,the payment for this plan is non-refundable." The underwriter has reviewed this matter and we can afford coverage for the Baggage DelayclaimThe claim will be reopened for processingThe insurance plan cost is non-refundable.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-Sincerely, [redacted] SrTechnical Claims Specialist
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated May 09, 2016, notifying us of the complaint filed by Ms [redacted] Ms [redacted] purchased the travel protection plan on February 24, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to herShe canceled the trip on February 26, 2016, due to her illnessThe policy provides trip cancellation benefits due to an illness when certain requirements are met: "Pre-Departure Trip Cancellation Benefits If you are prevented from taking your Trip for one of the covered reasons below, we will reimburse you, up to the amount in the Schedule, for the amount of prepaid, forfeited, nonrefundable payments or deposits that you paid for your Trip." "Reasons for Cancellation and Interruption: The following reasons apply to you, a Family Member, or a Traveling Companion and must occur while coverage is in effect: Trip Cancellation or delayed arrival at your destination due to Sickness, Injury or death of you, your Family Member, Traveling Companion, or Business Partner that occurs before departure on your TripThe Sickness or Injury must commence while coverage is in effect, require the examination by a Physician, in person, at the time of Trip Cancellation or delay and, in the Written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip or delay your arrival on your Trip." As defined by the policy "SICKNESS means an illness or disease of the body, which requires examination and treatment by a Physician." According to the information obtained from Ms [redacted] 's doctor, she did not seek in-person examination by a Physician at the time of the Trip CancellationPolicy requirements that would allow payment of benefits were not metWe must adhere to the terms and conditions set forth in the policy, and therefore, must reaffirm our denial of this claimIf 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
February 24, 2015Revdex.com OF SAN DIEGOATTN: [redacted] ***VIEWRIDGE AVE #200SAN DIEGO, CA 92123Nathan [redacted] # [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: September 01, - September 07, 2014Dear Ms***:CSA Travel Protection and Insurance Services represents Generali Assicurazioni GeneraliS.P.A(U.SBranch) as the administrator of the travel protection plan that was selectedWe arein receipt of your email dated February 17, 2015, notifying us of the complaint filed by Mr***We have reevaluated the claim and determined that coverage can be affordedThe file will bereopened to process the paymentIf you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-Sincerely, [redacted] ***SrTechnical Claims Specialist cc: Generali Assicurazioni Generali S.P.A(U.SBranch) [redacted] / Director of Claims These plans are administered by CSA Travel Protection and Insurance ServicesServices areprovided through GSA's designated providersTravel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # (all states except as otherwise noted) underPolicy/Certificate Form series TCalifornia is Underwritten by Generali Assicurazioni GeneraliS.P.A(U.SBranch), Colorado is Underwritten by Assicurazioni Generali- U.SBranch, Oregon isUnderwritten by Generali U.SBranch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice- U.S.Branch
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 March 31, 2016, with additional information submitted by Mrs [redacted] The Zika Virus is a public health risk in certain areas and we understand Mrs [redacted] 's choice to cancel her tripIn order to qualify for Trip Cancellation Benefits under the travel insurance plan purchased, the reason for the trip cancellation must be one of the Covered Events listed in the policyThe fear of contracting the Zika Virus is not one of the policy's Covered EventsWe have not denied this claim due to a Pre-Existing Condition, nor have we quoted policy language regarding a Pre-Existing ConditionThe claim was denied because there is no evidence of any Sickness that first commenced "while your coverage was in effect under the Policy, must require 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"The plan does provide coverage for "Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination after the effective date of your coverageThe vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased." There is no indication that any vaccination or inoculation that is required to enter any of the countries where Mrs [redacted] was scheduled to travel, were announced or published after the policy was purchasedAny vaccination requirements for entry into a country of their destination were already in place prior to the policy purchaseMrs [redacted] references travel to India, but based on the trip itinerary, they were not scheduled to travel to India during this trip A Zika Virus vaccine is being worked on by Bharat Biotech InternationalIt is a potential candidate for a vaccine that is entering clinical pre-trials in animals and will take months before human testing is conductedWe must reaffirm our decision that no benefits are payable for this claimIf 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] Claims Department [redacted] Ext***
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***, A claim has not been submitted regarding our loss because when I called and spoke with [redacted] on March 25, he said we weren't covered and would not send us a claim form or tell us where we could locate oneMy husband and I are currently busy making funeral plans for his mother and taking care of his year old father but when we have the time, we will once again read the policy we purchasedWe have read it several times and are still a bit annoyed at your company and its misleading advertisingThe statement you must be referring to is: ..."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..."I that correct? If you are standing by your misleading advertising it appears that we would be wasting our time and energy during this difficult time filling out the forms and obtaining the necessary Hospice and death certificate papersThere is no way we can ever recommend your products to anyone because of your misleading advertising on the VRBO websiteNeither of you want to take responsibility for those statements and you point fingers at the other companyAfter reading many complaints regarding your company on the Revdex.com website we wish we had investigated your company before purchasing either this Travel Insurance Policy or the Property Damage Protection policyWe haven't a clue how the Revdex.com can still rate you an A+ company Regards, [redacted]
This insurance protection company does not focus on customer experience or customer satisfactionThe local manager, Michael, allowed me the use of his quote: "The level of customer service you are expecting is not cost effective for our company." When I asked for an update of my claim this was his responseHe went on further to say that they don't have time to respond to every client, they have way too big of a case loadMy goal is to decrease their case load so they might be able to find a way to keep a smaller client base and learn how to maintain customersThis company is focused on keeping their premiums and not offering payout to worthy customersStay away
CSA Travel Protection is the administrator of the travel protection plan that Ms [redacted] purchased on October 21,We are in receipt of your letter on this case dated June 17, As Mr [redacted] noted, the claim issue has been resolved and CSA are responding to the new compliant regarding the product information provided to HomeAway owners CSA Travel Protection provides travel insurance and emergency assistance plans for consumer purchases Ms [redacted] had purchased one of our travel protection plans through a HomeAway listing site, in conjunction with the purchase of rental accommodations from Mr [redacted] The Property Damage Protection product Ms [redacted] purchased from HomeAway is issued to travelers while they are away from their homeThe coverage is intended to reimburse for any accidental damage the insured causes to an owner's property/accommodations during the renter's vacation We understand and appreciate Mr [redacted] 's feedback that there was confusion as to who the insured party was on this purchase, and confusion about the intention of the productCSA is committed to providing optimal service to our customers and partners, and will take this opportunity to work with HomeAway to enhance and clarify our owner information and training materials We apologize for any confusion or misunderstanding that our product information has caused Mr [redacted] , and are pleased that the issue with the damage claim investigation has been resolvedIf there is anything additional we can do to investigate this matter, please do not hesitate to contact me directly at ###-###-#### or ***@csatp.com Sincerely, [redacted] Compliance Manager
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 9/27/16, notifying us of the complaint filed by [redacted] ** [redacted] booked an airline ticket from Buffalo, New York to London, scheduled to depart on 8/29/The travel insurance plan was purchased on 8/17/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 on 8/29/16, because Mr [redacted] did not have possession of the passport and visa necessary to take this tripThe policy only provides benefits for a trip cancellation that results from one of the specific Covered Events listed in the planThe failure to have the proper travel documents is not one of the plan's Covered EventsTherefore, we must reaffirm our original decision that no benefits are payable for this claimIf you have any questions, please feel free to contact us at [redacted] 2, by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your responseSincerely, [redacted] SrTechnical Claims Spécialist c: [redacted] / Director of Claims
CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated October 25, 2016, notifying us of the complaint filed by Ms [redacted] Ms [redacted] purchased airline tickets with scheduled travel dates of December 01, to December 13, The travel insurance plan was purchased on August 18, 2016, with coverage for Trip Cancellation commencing on August 19, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to herThe Description of Coverage lists the eleven (11) Covered Events that will allow payment of Trip Cancellation benefitsThis plan does not offer Cancel for Any Reason coverage, The Policy Confirmation Letter encourages the insured to review the policy documents carefullylf the plan does not meet the needs of the customer, there is a 10-day free look period to cancel the policy and receive a refund of the insurance premiumThis is also listed in the Description of Coverage under the heading "10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COWERAGE"Ms [redacted] contacted our office on October 24, 2016, to establish a Trip Cancellation claim due to having a layover in a location that has a travel advisory, and due to uncertainty of scheduling for a house sale closing processIt was explained that these reasons did not appear to be ones that would allow payment of a Trip Cancellation claim under the terms of this policyMs [redacted] has not yet submitted a claim to us for reviewUpon receipt of the claim with supporting documentation, we can further review this matter and inform Ms [redacted] of 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-Please ensure the claim number is included with your responseSincerely, [redacted] Sr, Technical Claims Specialist cc: Generali U.SBranch [redacted] / Director of Claims
[redacted] I Revdex.com OF SAN DIEGO November 14, VIEWRIDGE AVE # SAN DIEGO, CA [redacted] # [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: November 14, 2014- November 22, Dear Ms***: GSA 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 notifying us of the complaint filed by Ms [redacted] Ms [redacted] booked a cruise and purchased the travel insurance plan on October 01,She canceled the trip on October 16, 2014, due to the death of a family member and expenses that she had Incurred due to that death The family member's death occurred on September 05, The policy purchased provides benefits for a trip cancellation due to a family member death when the death occurs while the policy is in effect "The following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy Covered Events: The Sickness, Injury or death of you, your Family Member" Coverage is also subject to the plan's GENERAL EXCLUSIONS: "We will not pay for any loss under this Policy, caused by, or resulting !romsa loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage Is not in effect for you" The death of Ms [redacted] 's family member occurred prior to the policy effective date and is, therefore, excluded from coverageAlso, a cancellation due to financial circumstances is not one of the plan's Covered EventsAs such, we must reaffirm our denial of this claim If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300- Sincerely, [redacted] SrTechnical Claims Specialist cc: [redacted] / Director of Claims
[redacted] ***/ Revdex.com OF SAN DIEGO September 17, [redacted] ROAD # SAN DIEGO, CA [redacted] # Claim Number: [redacted] Policy Number: [redacted] Travel Dates: October 11, 2014- October 14, 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 September 17, 2014, notifying us of the complaint filed by Mr [redacted] Mr [redacted] booked a trip through Cabin Rentals of [redacted] with scheduled travel dates of October 11, to October 14, The travel protection plan was purchased on April 25, At that time a Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to Mr [redacted] Mr [redacted] canceled the trip because he felt he could be deployedThe policy provides benefits only if a trip is canceled due to one of the specific reasons listed in the policy Under the heading TRIP CANCELLATION BENEFIT it states: "Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy Your previously granted military leave being revokedThe leave must be approved prior to your coverage becoming effective, and official written revocation notice from your commanding officer will be required" Mr [redacted] has confirmed that his leave had not been approved prior to coverage becoming effectiveTherefore, he did not meet the requirements that would allow payment of benefits under this perilRegretfully, we are unable to provide benefits for his claim If you have any questions, please feel free to contact us at (800) 541-3522, by email at [email protected] or by FAX at (877) 300- Sincerely, [redacted] SrTechnical Claims Specialist cc: General US Branch [redacted] / Director of Claims
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 May 07, 2015, notifying us of the complaint filed by Mrs [redacted] Mrs [redacted] and her traveling companions booked a rental property with scheduled travel datesof December 30, to January 02, The travel insurance plan was purchased onNovember 27, 2014, with a Trip Cancellation coverage effective date of November 28, 2014.Mr [redacted] passed away on November 30, 2014, due to Coronary Artery Disease as shown onthe death certificate provided to us.The policy provides benefits for Trip Cancellation if the insured is prevented from taking theirTrip due to one of the unforeseeable Covered Events listed in the plan that occurs whilecoverage is in effect under the PolicyThe policy effective date is within two days of Mr[redacted] 's passing, and the cause of death listed on the death certificate is a chronic medicalconditionTherefore, we must ensure that Mr [redacted] died due to an event that was unforeseenat the time of the insurance purchaseWe requested the medical records from the treating facility in February 2015, after receiving thecompleted patient authorization formUnfortunately, after refaxing and mailing our request andmany telephone calls to the facility for status, the records have still not been received in ourofficeMost recently, on April 27, 2015, we were told the records would be sent that week.When we followed up on May 07, 2015, we were told that the mail room was backed up and itcould take business daysNormally, it does not take this long for a medical facility to comply with our request for medicalrecordsWe apologize for the delay in finalizing the claimOnce the records are received, theywill be reviewed immediately to confirm all policy terms have been met to allow payment of theclaimIf 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.I had also filed a complaint with a local (Phoenix-area) TV station who assists with consumer complaints - it is a volunteer-based program They have been working on this case the past several weeks They contacted me this morning with information that my complaint is being reviewed by an internal board Apparently, the company was concerned about the publicity this story would create by potentially being broadcast on the news and have agreed to review the details at a higher level internallyShould I respond to this complaint with Revdex.com, as required, within seven business days? I'm not sure what to do at this point Thank you for any advice.***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below this response is NOT ACCEPTABLE! First of all, I sent in the claim to CSA on 10/15/via email and by facsimileIt appears their claims receiving department is as incompetent as the adjusters The damage provision policy purchased by the renter is not provided to the homeowners renting the property AND the Property Damage Coverage that is advertised on the website claims coverage for "damages, soiled linens, etc and EXCESSIVE CLEANING but never indicates that claims for damage is solely conditioned on the renter ADMITTING to the damage No one would ever admit to it and from reading all the forums from homeowners regarding CSA this appears to be a continuing issue of misrepresentation This is an EASY CLAUSE for CSA to get out of paying any claims CSA is committing fraud as well as baiting the homeowners to offer this useless coverage to renters in believing that any damage claims reported will be covered See attachments wherein CSA advertises their coverage assuring the homeowner that their claims will be covered The mere fact that the renter admitted to damaging my washing machine is blatant sign that the other damage did result from herI requested and submitted all proof for the reimbursement of the machine repair, the cleaning service fee that I incurred together with the supplies that were purchasedPaying only a portion of the claim (washing machine) is unacceptable These people completely destroyed my home and no person in their right mind would ever admit to such damage (soiled sanitary napkins, diapers, grease, damaged curtains, stained furniture)CSA is commiting fraud and will be reported I am requesting the reimbursement of the cleaning service fee and supplies 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 belowThis is the same exact letter that we received the very first time we made a claim to themThis is the “lowest on the totem pole” agentI spent my time working with his supervisor [redacted] and HIS supervisor How absurd is that “the insured denied the actions that resulted in the damage” He LIEDWe have PROOFSo this is how a company does business This is patently ridiculous and we insist that you do NOT CONSIDER THIS CLAIM RESOLVED It is not! Regards, [redacted]
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.On August I was transferred to a CSA Travel Protection AgentThis agent from the CSA Travel Protection Company agent assuredly said we would receive a full refund for cancelingI was misinformed by the agent of CSA Travel Protection not my travel agentThe miscommunication is coming from the CSA Travel Company that provides insurance if cases like ours happenTo make it clear, OUR country THAT I SERVE PROUDLYOnce again if I would have received the email dated August 2014, I would have canceled the policySince I was misinformed by the CSA Travel Protection Agent at that time, I obviously cannot get the $owed to me and my familyI am sure if the CSA Travel Protection Representative were in my shoes he would understand what a dis-service this is and how this company does not honor their productThis could have been avoided if the email was sent by the CSA Travel Protection AgentYes I have looked in all my messages and never received one for August Regards, [redacted] ***
Revdex.com OF SAN DIEGOATTN: [redacted] Complaint ID [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: April 22, 2015- May 10, Dear MsGovas:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was selectedWe are in receipt of your emaildated 5/25/for a complaint filed by [redacted] on behalf of [redacted] .On 6/29/a reservation was made for Ms [redacted] through Affordable Tours for travel4/22/through 5/10/A confirmation of the arrangements was emailed to Mrs [redacted] on11/19/The confirmation indicated that if you were traveling outside of the United States thattravel visas might be required for entry into foreign countriesIt further states that acquiringvisas are the responsibility of the travelerMs [redacted] did not obtain the necessary visas toenter a foreign country and was denied boarding by the airlineIt appears that Ms [redacted] also needed a visa for Germany and Italy which also were not obtainedThe policy purchased provides benefits for certain listed events that are outlined in the policythat was purchasedThe confirmation and policy was emailed to Mrs [redacted] on 7/1/toemail address [redacted] The policy outlined the events that would providebenefits in the case of a trip cancellation or interruptionUnfortunately, not purchasing therequired visas to enter foreign countries is not a covered event in the policyAs such, we mustreaffirm our denial of benefits for Ms [redacted] If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim numberis included with your responseSincerely, [redacted] ***Claims Department Supervisor [redacted] Ext***cc: [redacted] Director of Claims These plans are administered by CSA Travel Protection and Insurance ServicesServices areprovided through GSA's designated providersTravel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # (all states except as otherwise noted) underPolicy/Certificate Form series TCalifornia is Underwritten by [redacted] S.P.A(U.SBranch), Colorado is Underwritten by Assicurazioni Generali- U.SBranch, Oregon isUnderwritten by Generali U.SBranch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice- U.S.Branch
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?V?RV??W Last summer we had a guests who stayed in one of our vacation rental properties in [redacted] in JulyWhen they booked the property with us they purchased a CSA damage protection policy which GUARANTEED protection up to $Immediately after they left the property - within hours - the then current guests called at 4am to say that there was a leak in the laundryA plumber was sent immediately only to find out that the leak was coming from the ceilingThe ceiling collapsed and upon further investigation it was discovered that the air conditioning coils were frozenWe were told by the different technicians who were subsequently involved, that the only way that could happen was if someone turned the thermostat very low causing the airconditioning unit to not be able to keep up (it was and above every day they were there.) This would cause the unit to be running continually and finally freezeWe have a Nest Thermostat and upon checking the history we did indeed find that during his stay that the thermostat was set for degrees and was running almost continuouslyWe filed a claim with CSA and I emailed the guest - [redacted] to tell him he would be getting a call from them but not to worry as he had purchased insurance that completely protected himI never heard back from himI wrote to him a second time and, again, never heard back from himThis time I told him that if the CSA claim was denied that we would have to personally sue him for the damagesI was told by CSA that when they contacted him he denied turning the temperature downThat was enough for CSAHe denied culpability and that was thatBecause we had such an overwhelming amount of evidence in our favor, we contested CSA's refusal to pay our claims and continued to supply them with all the information that they requestedThey had an answer for every single piece of information we gave them claiming that it proved nothing and simply kept asking for yet one more pice of information until they finally said they only needed one thing more - to talk to the man who installed the new handlerThey handled this by simply never being available to talk to him and never returning his calls?UR ISSU?S: L?C? ?F ?????R??? ??D ????CS ?UR? US ?LL We use the company [redacted] and specifically VRBO to market our homesThey strongly advise that we offer damage protection saying that it will protect US the ownersTherefore we mandated all our guests to purchase itAfter this happened we were told that the pollcy Is OWNED BY AND PROTECTS THE RENTER NOT THE OWNER and if the owner says they did not do something then that is thatF?C?S ???? ????G??? ?G???S? ????GR??? ??D ????CS Our company traveled to the VRMA (Vacation Rental Managers Conference) conference last weekThis is what I discovered: • In my effort to find a person of authority with whom I could discuss this issue, I found several individuals who immediately guessed that CSA was the company I was having a problem with because they had had issues with them as well denying claimsOne of them significantI was advised to talk to the Insurance Board of AZFinally I was encouraged to talk to the head of the ethics committeeHe will be communicating with themHe personally had the denial of cases of customers who bought trip interruption insurance from themThey denied all the claims of all individuals who could not get to their rentals because a hurricane completely cut off all access to the island where there homes wereHis battle with them was finally resolved in his favorBut it illustrates that this has been going on seriously for years• [redacted] only offers products from ONE insurance company - CSA• [redacted] gets a commission from every CSA policy that is sold and a generous one• They have a longstanding relationship with CSA and I was told by their employees this was not going to changeThey would not be switching to another company• CSA and [redacted] were GOLD sponsors of the VRMA convention showing that they all have deep alliances and spent a huge amount of money for this convention of • CSA made a presentation that said their product PROTECTED OWNERS AND RENTERS• CSA in their presentation boasted of the large amount of money they made last year and the significant rise in customers and growth they had made last year• Last but not least - we lost $4, [redacted] is the largest and most successful vacation rental organizationThat means that thousands upon thousands of individuals have been, are or will be affected by this company's unethical business practices when thy go to make their claimsThe little guy is going to get hurt the mostYes - this type of thing happens every single day at every level of lifeBut someone has to take a stand even in one small wayEvery single time that we say - Ok-forget it, we loseWe lose our integrity, our ethics our moral compassWe have lost all trust in this country, in every one in it, our doctors, our politicians, out businessmen, our neighborsNo one feels safeNo one can trust that when someone says they will do something they willThis is just one more business that puts the bottom line above everythingLetting these things go simply helps everything our country stands for to disintegrate just a little more Regards, [redacted]
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated May 12, 2016, with additional information provided by Ms [redacted] Ms [redacted] indicates that she did try to get an appointment to see her doctor for her medical conditionAs indicated in our previous response, in order to qualify for Trip Cancellation benefits the policy states: "The Sickness or Injury must commence while coverage is in effect, require the examination by a Physician, in person, at the time of Trip Cancellation or delay and, in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip or delay your arrival on your Trip." According to our telephone call to Dr [redacted] 's office, Ms [redacted] has not been seen in-person at their facility during As such, there is no medical documentation to substantiate her claimWe are unable to reimburse her for her lossIf 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 Generali U.SBranch as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated January 23, 2015, with additional information submitted by Ms [redacted] Ms [redacted] has requested that the claim be reconsideredWe have reevaluated the file anddetermined that benefits can be affordedThe file will be reopened and payment for $235.00will be issuedIf you have any questions, please feel free to contact us at ###-###-####, by email [email protected] or by FAX at ###-###-#### Sincerely, [redacted] SrTechnical Claims Specialist
CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was purchasedWe received your emails dated January 31, 2015, notifying us of thecomplaints filed by [redacted] and Yana [redacted] Both parties are on the same policy andhave filed the same complaintThis letter is in response to both of their complaints.When Mr [redacted] and Ms [redacted] arrived at their return destination in Denver on October 18,2014, their bags were missingThe bags were delivered to them on October 23, BetweenOctober 21, and October 23, 2014, Mr [redacted] and Ms [redacted] purchased clothing,toiletries, medication, and other items, and filed a Baggage Delay claim for $,Baggage Delay Benefits are provided as follows: "We will reimburse you, up to the amountshown in the Schedule for the cost of reasonable additional clothing and personal articlespurchased by you, if your Baggage is delayed for hours or more during your Covered Trip.We will also reimburse you up to $for expenses incurred during your Covered Trip toexpedite the return of your delayed baggageThis coverage terminates upon your arrival at thereturn destination of your Covered Trip." Coverage for Baggage Delay is to assist the travelerwith the purchase of emergency items while they are on the Covered TripWhen the policy is bought, there is a Ten Day Free Look to determine if the plan will meet theneeds of the purchaserThe policy states: "If you are not satisfied for any reason, you maycancel your coverage within days of your application date or receipt of this document,whichever is laterA letter indicating your desire to cancel should be sent to us or ourauthorized agentlfthere has been no incurred covered expense and you haven't already lefton your Trip, you will receive a full refund of your plan costAfter this 0-day free look period,the payment for this plan is non-refundable." The underwriter has reviewed this matter and we can afford coverage for the Baggage DelayclaimThe claim will be reopened for processingThe insurance plan cost is non-refundable.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-Sincerely, [redacted] SrTechnical Claims Specialist
CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated May 09, 2016, notifying us of the complaint filed by Ms [redacted] Ms [redacted] purchased the travel protection plan on February 24, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to herShe canceled the trip on February 26, 2016, due to her illnessThe policy provides trip cancellation benefits due to an illness when certain requirements are met: "Pre-Departure Trip Cancellation Benefits If you are prevented from taking your Trip for one of the covered reasons below, we will reimburse you, up to the amount in the Schedule, for the amount of prepaid, forfeited, nonrefundable payments or deposits that you paid for your Trip." "Reasons for Cancellation and Interruption: The following reasons apply to you, a Family Member, or a Traveling Companion and must occur while coverage is in effect: Trip Cancellation or delayed arrival at your destination due to Sickness, Injury or death of you, your Family Member, Traveling Companion, or Business Partner that occurs before departure on your TripThe Sickness or Injury must commence while coverage is in effect, require the examination by a Physician, in person, at the time of Trip Cancellation or delay and, in the Written opinion of the treating Physician, be so disabling as to prevent you from taking your Trip or delay your arrival on your Trip." As defined by the policy "SICKNESS means an illness or disease of the body, which requires examination and treatment by a Physician." According to the information obtained from Ms [redacted] 's doctor, she did not seek in-person examination by a Physician at the time of the Trip CancellationPolicy requirements that would allow payment of benefits were not metWe must adhere to the terms and conditions set forth in the policy, and therefore, must reaffirm our denial of this claimIf 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
February 24, 2015Revdex.com OF SAN DIEGOATTN: [redacted] ***VIEWRIDGE AVE #200SAN DIEGO, CA 92123Nathan [redacted] # [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: September 01, - September 07, 2014Dear Ms***:CSA Travel Protection and Insurance Services represents Generali Assicurazioni GeneraliS.P.A(U.SBranch) as the administrator of the travel protection plan that was selectedWe arein receipt of your email dated February 17, 2015, notifying us of the complaint filed by Mr***We have reevaluated the claim and determined that coverage can be affordedThe file will bereopened to process the paymentIf you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-Sincerely, [redacted] ***SrTechnical Claims Specialist cc: Generali Assicurazioni Generali S.P.A(U.SBranch) [redacted] / Director of Claims These plans are administered by CSA Travel Protection and Insurance ServicesServices areprovided through GSA's designated providersTravel Insurance is Underwritten by: Generali U.S.Branch, New York, New York; NAIC # (all states except as otherwise noted) underPolicy/Certificate Form series TCalifornia is Underwritten by Generali Assicurazioni GeneraliS.P.A(U.SBranch), Colorado is Underwritten by Assicurazioni Generali- U.SBranch, Oregon isUnderwritten by Generali U.SBranch DBA The General Insurance Company of Trieste & Venice,and Virginia is Underwritten by The Generali Insurance Company of Trieste and Venice- U.S.Branch