Genesis Homes

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.It appears from CSA's view of things that my wife and I were not covered for my injury using pre-existing injury as their guideline My doctor personally wrote a letter to CSA explaining that although the injury could be viewed as pre-existing that was a stretch I am quite confident that CSA will never pay my claim but I also would expect them to reimburse my policy in full After all, I only had the policy for day an they quite clearly said my claim would not be paid as explained in their letter One thing that I forgot to mention was that my wife tore her rotator cuff a few days after I put my claim in As the insurance adjuster was explaining my problems (pre-existing) I told her about my wife's injury She said that didn't matter because when I put my claim in the policy was then cancelled So, if this is how CSA does business I think it is only reasonable that I get a full refund for a policy that was cancelled after one day.I can supply medical documents regarding my wife but I'm sure that would be a waste of time Also, I can provide the letter written by my doctor to the Revdex.com if you wish Currently we are away for a few days and all our medical documents are at home 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 Regards, [redacted] Revdex.com,I do not suffer from an anxiety disorder, a crises caused me to experience acute anxiety for a period of timeThis happened to occurred at the time my trip was schedule to take placeIf a family member were to have passed away and I suffered acute anxiety are you saying C S A would not have covered that? I was sold this insurance though an agent with [redacted] **, I was not given the choice to purchase [redacted] I spoke to [redacted] and they said their insurance would have covered these circumstancesThey could not believe C S A had denied my claim.We can keeping going back and forth and not accomplish anythingI resent your saying I suffer from an anxiety disorder!! The problem is you don't want to pay the claim, you don' make money by paying claimsI will not let this go, I believe the $is due meMy five travel buddies are very disappointed in the way C S A has handled this claim, they feel as good lesson has been learnedYou have to check out the insurance company very carefully before purchasing travel insurance, all companies are not alike.Thank You, [redacted]

CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was selectedWe are in receipt of your email regarding a complaint filed by [redacted] .Ms [redacted] rented her home to [redacted] for travel dates April 15, through April 17, The claim was submitted for missing pool passes and spare house keysShe purchased new passes along with replacing the missing keys.The policy provides benefits to the named Insured "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."Upon receipt of the claim, we contacted Ms [redacted] to verify if in fact the passes and keys were lostThe insured contacted us and advised that the passes and keys were located and were returned to Ms [redacted] in MayAs the items were returned there was no damage to the real or personal propertyAs such, no benefits are payable for the claim.If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your response.Sincerely, [redacted] Claims Department Supervisor [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 below Regards, [redacted] *** I spoke with [redacted] at [redacted] and they approved my request

The claim number is [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 December 23, 2017, notifying us of the complaint filed by Mr***.We have finalized this claim and the checks should be mailed at the end of the Week:S3,- S1,refund by Cruise line = S1,(Sper person)If you have any questions, please feel free to contact us at (800) 541-3522, by email at claimsQCsatravelprotection.com or by FAX at (877) 300-Please ensure the claim number is included with your response.Sincerely, [redacted] SrTechnical Claims 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 March 26, 2016, notifying us of the complaint filed by Mr [redacted] .Mr [redacted] rented his property to Mr [redacted] with scheduled travel dates of January 15, to January 18, Mr [redacted] purchased the travel insurance plan that provides coverage as follows: "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." 'We were provided with claim documentation showing that during the rental, doors and the walls were damaged, and a humidifier was brokenIn order to issue payment to Mr [redacted] , we need the named insured, Mr [redacted] , to sign an Assignment of BenefitsWe also need actual receipts and invoices from Mr [redacted] to verify the cost of repairsUpon receipt, we can continue processing the claim.If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your response,Sincerely, [redacted] SrTechnical Claims Specialist

Dear Mr [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 11/03/17, notifying us of the complaint filed by Ms***,The underWriter has reviewed this matter and determined that coverage will be affordedThe files for Ms [redacted] and her traveling companion will be reopened for the Claims Representative to ensure we have all the documentation needed to issue payment.If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your response.Sincerely, [redacted] SrTechnical Claims/Specialist

Complainant: [redacted] and [redacted] ***(Compliant [redacted] )Policy Number: [redacted] Travel Dates: April 18, – April 21, Dear Mr [redacted] : CSA Travel Protection and Insurance Services represents [redacted] S.P.A(U.SBranch) as the administrator of the plan purchased through [redacted] .com on April 17, 2017.We are in receipt of your complaint filed with the Revdex.com of San Diego on May 5, regarding Policy Number [redacted] .We cancelled the policy in question on May 10, and [redacted] and [redacted] should have received the credit card refund from [redacted] We notified [redacted] on May 10, of the cancellation and requested the credit card refund.Our plans are offered as oand a copy of the policy confirmation letter and Description of Coverage were emailed to the insured ( [redacted] ) on the date of purchaseCSA is committed to providing optimal service to our customers, and we apologize for any inconvenience this situation has causedIf you have any questions, or require any further information, please feel free to contact me at ###-###-####.Sincerely, [redacted] ***Compliance Analyst cc: [redacted] U.SBranch [redacted] / Vice President of Operations

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [The reason the flight was missed was due to an error which I should not be responsible for because it was out of my controlIf a company sells insurance for something, they should be held accountableIf the company they are insuring tickets for does not provide I believe it is up to them to seek restitution from the airline, not the passengerIf no insurance had been purchased, it would make sense for me to hold the airline accountable but since the ticket was insured it should fall on the travel insurance to do so.] 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 This is causing undo stress which I will be talking to my attorney about as wellI was not told of all of these exclusions and coverage issues, until after I purchase the policy from Ms [redacted] of [redacted] Travel Agency Regards, [redacted]

Revdex.com OF SAN DIEGO June 05, 2015ATTN: [redacted] ***Complaint ID Number: [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: April22, 2015- May 10,2015Dear MsGovas:CSA Travel Protection and Insurance Services represents [redacted] ***h as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated June 02, 2015, regarding additional information submitted by Mr [redacted] for review.Mr [redacted] states that he found no place in the insurance contract that indicates not having avisa is a reason for non-payment of a claimMr [redacted] also feels that at least a refund of$for the insurance cost of [redacted] should be reimbursed to him.A trip cancellation claim was filed for Traveling Companion [redacted] Ms[redacted] did not obtain the visa required to enter England and was unable to take thescheduled trip.The Travel Insurance Policy purchased by Mr [redacted] only provides Trip Cancellation Benefitsfor a loss caused by one of the Covered Events specifically listed in the planNone of theplan's Covered Events provides coverage for the failure to obtain the necessary traveldocuments for a trip.The plan does offer the opportunity for a premium refund as shown: "10-DAY RIGHT TOEXAMINE YOUR POLICY- If you are not satisfied for any reason, you may cancel coverageunder the Policy within days after receiptYour premium payment will be refunded, providedthat there has been no incurred covered expense and you have not left on your TripReturn thePolicy to us at the Program Administrators office or our authorized agentWhen so returned, thePolicy is void from the beginningAfter this 0-day period, the payment for this coverage isnonrefundable."The 10-day free look period expired on July 09, Therefore, we are unable to provide apremium refundThe trip cancellation claim filed because Ms [redacted] did not have therequired travel documents is not one of the plan's Trip Cancellation Covered Events that wouldallow payment of the claim.A copy of the Policy Confirmation Letter and Travel Insurance Policy are enclosed for yourreview.If 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 Specialiscc: [redacted] I 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 Regards, [redacted] I see no place in this contract that says not having a visa is a reason for non payment of a claimI feel I made all efforts to remedy the situation including calling Affordable Tours the day before the tour startedAs we were leaving on Apr day before the tour left on Apr 2015( I had bought my own tickets) I feel at the very least CSA should reimburse me the cost of insurance for that person (300.00) I do not believe anything in this contract should keep them fro m paying the whole amount except after looking on the internet complaints and checking the amounts of complaints filed at your Revdex.com I am not very hopeful they will honor there contract [redacted]

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 It is outrageous that despite your fine print, you don't cover a baggage delay, which you claim to cover in your presentations, just because we got home before our bags did I think any reasonable person, or court, would side with me,, and say you are not providing what you promise The basics: You agreed to accept money to cover us for baggage delay Our bags were certainly delayed (Air Canada agreed with that, as stated in their letter I provided you with) and lastly, you refuse to honor your implied promise, but take refuge in fine print Regards, [redacted] ***

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

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 10/11/16, notifying us of the complaint filed by Ms [redacted] .Ms [redacted] booked a rental property through [redacted] [redacted] with scheduled travel dates of 07/23/to 07/23/The insurance plan was purchased on 06/04/16, with coverage for Trip Cancellation commencing on 06/05/The trip was canceled on 06/30/16, due to the illness of her father.The policy provides benefits for a cancellation due to the Sickness of a Family Member when certain requirements are met, "The Sickness or injury must first commence while your coverage is in effect under the Policy"Coverage is also subject to the plan's terms and General Exclusions, "We will not pay for any loss under this Policy, caused by, or resulting from...a loss that results from an illness, disease, or other Condition, event or circumstance which occurs at a time when coverage is not in effect for you".According to the information obtained to investigate the claim, the patient was referred by his dentist to [redacted] for a biopsyThis biopsy took place on 06/03/16, prior to coverage beginning under the travel insurance planMs [redacted] 's father may not have informed her of his medical issues prior to her booking the trip, however, this does not change the terms and conditions set forth in the policyThe medical condition commenced prior to coverage going into effect under the PolicyTherefore, regretfully, we are unable to provide benefits 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 response.Sincerely, [redacted] ***SrTechnical Claims Specialist

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below We have been notified by CSA that our claim is being processed but we were also told this over three weeks agoOur proof of payment was submitted in our original documentation and the claims rep acknowledged receipt of this information over three weeks agoWe have not received payment as of today Regards, [redacted] ***

Revdex.com OF SAN DIEGOATTN: [redacted] ***Complaint ID [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: April 22, 2015- May 10, 2015Dear 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 obtained.The 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 response.Sincerely, [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

CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchased by the Insured [redacted] Renduflc.During her stay at the rental property owned by [redacted] , someone in Ms [redacted] 's traveling group damaged the top of the dining room tableMs [redacted] purchased the protection plan, with coverage as follows:"WACATION RENTAL, DAMAGE COVERAGEIf 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." [redacted] has submitted a claim for the replacement cost of the tableAs the policy provides coverage for the lesser of the cost of repairs or the replacement cost, the property owner must obtain a repair estimate from a wood refinisher or contractorUpon receipt of the repair estimate We will continue processing the claim.If you have any questions, please feel free to Contact us at ###-###-####, by email atclaimsG2csatravelprotection.com or by FAX at ###-###-####Please ensure the claim number is included with your response.Sincerely, [redacted] (SrTechnical Claims Speciatist

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 January 07, 2016, notifying us that Ms [redacted] has provided additional information in regards to her complaint,Unfortunately, our original position has not changedAs previously advised, during the telephone conversation between Ms [redacted] and [redacted] , herein referred to as **, on September 26, 2015, the [redacted] representative stated to Ms [redacted] they were not the insurance company, as they are our service providerHowever, at no point was Ms [redacted] told that CSA Travel Protection is not an insurance company,During the same telephone conversation, Ms [redacted] was given contact information for [redacted] Hospital and two hours later, she received an email from [redacted] stating they could arrange for a doctor's home visit, once she provided them with her exact locationThis confirms that not only did [redacted] provide her with a medical referral, as per the terms and conditions in her Description of Coverage, but that they also offered to send a doctor directly to Ms***.Finally, during the same telephone conversation on September 26, 2015, Ms [redacted] asked, if she does not start feeling well, would [redacted] be able to help her with an airline ticket back to [redacted] [redacted] advised Ms [redacted] that she would need to provide them with a copy of the medical report prepared by the treating physicianThere was no further discussion regarding Ms***'s desire to return home earlyNor did Ms [redacted] provide [redacted] with a copy of the medical report needed to determine if it was medically necessary for her to return home early due to her illness.Please note payment in the amount of $222, was issued to Ms [redacted] on January 14, in reimbursement of her unused tours booked with [redacted] ***.If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] .Sincerely, [redacted]