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. The matter concerning CS Travel Protection has NOT been resolved. The company asked for proof of payment from myself and my daughter which was emailed to them. They confirmed receipt of the information requested, but we have no idea what is being done at this point; therefore, I am asking that the complaint remain open until the matter is satisfied. Thank you. Regards, [redacted]

[redacted] ChorWradwala isi [redacted] Named insured: [redacted] Claim Number: [redacted] -Policy Number: [redacted] Travel Dates: Feb 24, - Feb 27, 2017Dear 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 March 30, 2017, with additional information provided by Mr [redacted] .Mr [redacted] has requested reconsideration of his claim for damage to his rental propertyThe policy purchased by [redacted] 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." As previously advised, there is no coverage to have the air ducts cleaned, the trash removed, or excessive cleaning costs as none of these is damage.We contacted Mr [redacted] to verify whether he or his guests had caused the damage to the propertyMr [redacted] informed us that no one in his rental party had caused any damage to the property.The policy issued to, and purchased by Mr [redacted] provides benefits for accidental damage caused during his rental stayAs Mr [redacted] has denied causing the damages claimed, we must reaffirm our decision that no benefits are payable for this loss.If you have any questions, please feel free to contact us at ###-###-####, by email at claimsQcsatravelprotection.com or by FAX at ###-###-####Please ensure the claim number is included withyour response.Sincerely, [redacted] SrTechnical Claims Specialist

[redacted] # [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: Dec 17, - Dec 28, 2017Dear Mr [redacted] :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 December 28, 2017, with the additional information provided by Mr***.Due to a heavy volume of claims received following the hurricanes, we were unable to process Mr***'s claim as quickly as We normally Would haveWe apologize for this delayOur claim benefit payments must be in the form of a check issued to each named policyholderWe areunable to credit Mr***'s Credit card for these paymentsThe checks should be mailed today.If you have any questions, please feel free to contact us at ###-###-####, by email at claims(CDCsatravelprotection.com or by FAX at ###-###-####Please ensure the claim number is included with your response[redacted] SrTechnical Claims Specialist

Dear Ms***:CSA Travel Protection and Insurance Services represents [redacted] as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated July 27, 2015, with the additional information submitted by Ms [redacted] in reconsiderationof her claim.The Underwriter has evaluated this matter with the additional information provided and hasapproved paymentThe check for $should be mailed at the end of the week.If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] .Sincerely, [redacted] cc: [redacted]

RevDex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed You are denying our claim based on that Hurricane Matthew was a declared Hurricane when we bought the policy on 10/4/16. No one could predict where the Hurricane was going and did not hit the Bahamas till 10/6 & 10/7. Under your denial due to Hurricane Matthew already existing and that you knew what it's path was, why did you sell us and others policies? You sold us trip insurance and should be held liable. Regards, [redacted]

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 8/29/16, notifying us of the complaint filed by Mr [redacted] .Upon arrival at the airport in Los Angeles on 6/26/16, Mr [redacted] e states he was informed that his flight from Shanghai to Colombo had been canceledHe was told that he had been informed by telephone of this one week earlier, however, states the airline did not notify him of this cancellationIn Shanghai additional expenses were incurred and he missed a portion of his scheduled trip.Mr [redacted] provided information indicating, that in May, [redacted] had eliminated their Shanghai to Colombo flights on MondaysAlso, according to [redacted] , [redacted] stopped providing this flight om Mondays beginning on 5/02/16.Based on this information, the flight was canceled due to a schedule change by the airlineThis policy provides benefits for a flight cancellation only if it is caused by adverse weather, mechanical breakdown of the plane, or an organized labor strike that affects public transportationCoverage is also excluded if the airline fails to provide the bargained-for travel arrangements.Therefore, regretfully, we are unable to provide benefits for this claim.If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your response.Sincerely, [redacted] SrTechnical Claims Specialistcc: [redacted] / Director of Claims

Dear Mr [redacted] :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 notifying us of the additional information provided by Ms [redacted] .As detailed in my letter of January 24, 2017, the medical documentation provided with Ms [redacted] claim resulted in a denial of benefits, Ms [redacted] contends that the reason that she canceled her trip was unrelated to the medical condition referenced in the Physician's Statement she submitted to usTherefore, we will be requesting medical records from her doctor to further investigate the claim.If you have any questions, please feel free to contact us at [redacted] , by email at claimsGCsatravelprotection.com or by FAX at [redacted] Please ensure the claim number is included with your response.Sincerely, [redacted] ***

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 December 17, 2014, with additional information from [redacted] The property manager of the rental unit instructed [redacted] not to come to the property dueto the projected path of Hurricane GonzaloThere was no mandatory evacuation, or publicofficial advisement of evacuation, in StCroix.The property owner confirmed that the unit was accessible and habitable during the scheduledtravel datesThe reason for the trip cancellation was not a covered reason that would allowpayment of benefitsTherefore, regretfully, we are unable to change our decision.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 Specialist

Dear Ms***.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 December 01, 2015, notifying us of the complaint filed by Mr [redacted] .The underwriter has reviewed this matter and approved payment of the claim as a good will customer service gestureThe claim will be reopened and payment issued shortly to Mr [redacted] for the $medical expense.If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] .Sincerely, [redacted] cc: [redacted] / [redacted]

CSA Travel Protection and Insurance Services represents [redacted] as the administrator of the travel protection plan that was selectedWe are in receipt of your email dated 8/29/16, notifying us of the complaint filed by Ms***.Ms [redacted] booked a rental property and purchased the travel insurance plan on 7/28/16, with coverage for Trip Cancellation commencing on 7/29/The trip was canceled due to the illness of a family member that required medical treatment for his condition.In order to further investigate this claim, we will contact the patient's doctor for additional informationOnce the records are received, we will determine if a change in the determination can be made.If you have any questions, please feel free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] Please ensure the claim number is included with your response.Sincerely [redacted] SrTechnical Claims Spedialistcc: [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 29, 2015, with additional information provided by Ms [redacted] .Ms [redacted] has notified you that she contacted a Phoenix area television station in regard toher complaintWe were contacted and did respond directly to the stationOur coveragedetermination did not change, and no benefits are payable for this claim.If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670.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 8/06/16, notifying us of the complaint filed by [redacted] .The travel protection plan, listing the insured as [redacted] , was purchased on 0/04/16, with coverage for Trip Cancellation commencing on 8/05/At that time a Policy confirmation Letter and Description of Coverage, outlining the plan's coverage restrictions, were sent to the email address provided [redacted] .Later, on 8/04/16, Mr [redacted] called to notify us that he had canceled his flight and wanted to know about coverage for change feesHe was informed that coverage for Trip Cancellation did not begin until the following day, and therefore, no payment could be made for his change feesWe told him that he could contact [redacted] to cancel the policy and receive a premium refund under the 10-day free look periodMr [redacted] 's 10-day free look period will expire on 8/14/He can contact [redacted] at [redacted] to request his premium refundNo Trip Cancellation benefits can be paid because the trip was canceled before coverage beganCopies of the Policy Confirmation Letter and Description of Coverage are enclosed for your review.If you have any questions, please fee free to contact us at [redacted] , by email at [redacted] or by FAX at [redacted] .Sincerely, [redacted] ***SrTechnical Claims Specialistcc: [redacted] / Director of Claims

Revdex.com OF SAN DIEGO March 06, 2015ATTN: [redacted] ***VIEWRIDGE AVE #200SAN DIEGO, CA 92123Complainant: [redacted] # [redacted] Insureds: [redacted] and [redacted] Claim Number: [redacted] Policy Number: [redacted] Travel Dates: December 21, - December 26, Dear Ms***: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 March 05, 2015, with additional information from Mr***.Mr [redacted] indicates that he could not locate the Description of Coverage that was emailed tohim at the time of the insurance purchase.According to our records, on 8/20/14, the policy documents were emailed to the addressprovided of [redacted] We got a call from [redacted] requesting the policy beresent on 12/29/It was again sent to [redacted] [redacted] called againfor another copy of the policy on 2/13/15, and it was sent to [redacted] On 2/17/15, [redacted] called and requested that we send a copy of the policy to [redacted] It appears this is [redacted] ***'s email address.Mr [redacted] states that he was told by an agent on the telephone that he would be reimbursed forthe full amount of the trip if they were to cancel at any timeThis may have been misinformationprovided to him by his travel agentThe policy purchased provides Trip Cancellation benefits forthe prepaid, nonrefundable trip cost if the trip is canceled due to one of the plan's CoveredEventsThe optional Cancel for Any Reason coverage was not purchased.Unfortunately, the trip was not canceled due to one of the policy's Covered EventsWeappreciate Mr***'s service to his country and apologize that we were unable to assist himin this matter.If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670.Sincerely, [redacted] ***SrTechnical Claims Specialistcc: Generali U.SBranch [redacted] / Director of ClaimsThese 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

The information previously requested must be sent to my attention for response I need the claim and policy numbers, and the names of the renters/insureds so the files can be identified and responded to

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below I read the CSA's responses to my complaint Not only are they packs of lies, but they do NOT address the essence of my complaint at all, i.e.: 1) why the CSA's Emergency Hot Line operator had repeatedly made A FRAUDULENT STATEMENT THAT "CSA IS NOT A TRAVEL PROTECTION / TRAVEL INSURANCE COMPANY" (AND I REPEAT: CSA !); 2) why CSA REPEATEDLY REFUSED TO ASSIST ME IN ANY WAY WITH MY RETURN HOME AND EVEN A MEDICAL REFERRAL WHEN I REPEATEDLY REQUESTED IT AND EVEN QUOTED THE LINES FROM THE CONTRACT THAT SPECIFICALLY STIPULATE THIS OBLIGATION OF CSA THEIR REFUSAL TO DO ANYTHING FOR ME WAS BASED SOLELY ON THEIR FRAUDULENT (AND REPEATED) STATEMENT DESCRIBED ABOVE IN POINT 1) NATURALLY, I AM NOT SATISFIED WITH THEIR RESPONSES THAT PROVE ONE THING ONLY: CSA IS VERY EXPERIENCED IN DODGING THEIR OBLIGATIONS AND DOES NOT HESITATE TO LIE AND CHEAT TO ACHIEVE THEIR GOAL THERE ARE MANY CSA'S VICTIMS OUT THERE, BESIDES ME, WHICH, I AM SURE, YOU KNOW VERY WELL EVEN IF YOU DON'T, JUST CHECK THEIR CUSTOMERS' FEEDBACK ON THE INTERNET PLEASE REOPEN MY CASE AND HELP ME TO GET THE MAXIMUM AMOUNT OF MY TRIP INTERRUPTION / BREACH OF CONTRACT BENEFITS.Thank you for your attention to this matter Hope to hear from you soon.Regards, [redacted] *** Regards, [redacted] ***

Dear Ms***:CSA Travel Protection and insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was selected.We are in receipt of your email dated September 10, requesting a copy of Mrand Mrs***' insurance policyAttached is a copy of the Description of Coverage for the ***' insurance policy.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, Staci FletesClaims Leadcc; Generali U.SBranch Scott Crabtree / Director of Claims

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

Dear MrAmbriz:CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was [redacted] by [redacted] We are in receipt of your email dated 4/26/17, notifying us of the complaint filed by Ms***.Ms [redacted] *** rented a property to [redacted] Ms [redacted] the Property Damage Protection coverage on 2/At that time we provided Ms [redacted] with a copy of her policy, as she is the Named insured.Ms [redacted] checked out of the property on 3126/On 4/05/17, Ms [redacted] submitted a claim to us for damage to the propertyThe damage reported to us were dents in the panels of the dishwasher and freezer doorThe total amount claimed to replace the panels was $1,088.80.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."We contacted Ms [redacted] to verify whether she or her guests had caused the damage to the propertyMs [redacted] informed us that no one in her rental party had caused any damage to the property.The policy issued to, and [redacted] by Ms [redacted] provides benefits for accidental damage caused during her rental stayMs [redacted] has denied causing the damages claimed, and we are unable to issue payment for this loss.If you have any questions, please feel free to contact us at ###-###-####, by email at claimsG2csatravelprotection.com or by FAX at ###-###-####Please ensure the claim number is included with your response, [redacted] O SrTechnical Claims SpecialistSincerely,

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 15, 2015, notifying us of the complaint filed by Ms [redacted] .Ms [redacted] booked a cruise through Vacations to Go with scheduled travel dates ofNovember 29, to December 07, She made full payment for the cruise on September30, The travel insurance plan was purchased on November 14, 2014, with a TripCancellation coverage effective date of November 15, At that time a Description ofCoverage, outlining the plan's coverage and coverage restrictions was emailed to herThe tripwas canceled on November 22, 2014, due to Ms [redacted] ' medical condition.The policy provides benefits for a trip cancellation due to illness when certain requirements aremetThe Sickness "must first commence while your coverage is in effect under the Policy".There are also specific exclusions that apply to coverageUnder the heading GENERALEXCLUSIONS, "We will not pay for loss or expense caused by or incurred resulting from aPre-Existing Condition, as defined in the Definitions section, including death that results therefrom."As defined by the policy, "PRE-EXISTING CONDITION means a Sickness or Injury during the180-day period immediately prior to your effective date for which you or your TravelingCompanion: (1) received, or received a recommendation for, a diagnostic test, examination, ormedical treatment; or (2) took or received a prescription for drugs or medicine."The Pre-Existing Condition Exclusion does not apply provided the following requirements aremet: "acoverage is purchased prior to or within hours of your final Trip Payment; and byouare medically able to travel at the time the coverage is purchased." Ms [redacted] did notpurchase her policy within hours of making her final Trip PaymentTherefore, thePre-Existing Condition exclusion does apply to her claim.According to the documentation provided to us Ms [redacted] underwent a routine mammogramin October 2014, which showed an area of suspicionShe met with the surgeon on November05, 2014, and underwent a biopsy on November 11, The ultimate diagnosis of cancerresulted in surgery and follow up treatment.Ms [redacted] received a recommendation for, and underwent a diagnostic test for her illnessduring the 180-day period prior to the policy effective dateThis is a Pre-Existing Condition asdefined by the policy, and specifically excluded from coverageWe must reaffirm our originaldecision that no benefits are payable for this claimWe regret we could not be of service in thismatter.If you have any questions, please feel free to contact us at (800) 541-3522, by email [email protected] or by FAX at (877) 300-8670.Sincerely, [redacted] ***SrTechnical Claims Specialist

Dear Ms***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated January 26, 2016, requesting documentation verifying our compensation of $to *** ***.Enclosed are two screen-prints of our system showing the payment made to Ms*** on Thursday, January 14, and showing the address where the check was mailedPlease note there is typically a two business-day processing time from the date the check prints until it leaves our officeHowever, as Martin Luther King, JrDay was a United States Postal holiday, Ms***'s check actually left our office on Tuesday, January 19, 2016.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***.Sincerely,*** ***Technical Specialist