Genesis Homes

Dear Mr***:CSA Travel Protection and Insurance Services represents General U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated September 13, 2017, notifying us of the complaint filed by Ms***.Ms*** canceled her trip
due to Hurricane Irma and the Florida State of EmergencyThe policy purchased provides Trip Cancellation benefits as follows:"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.Covered EventsA mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disastersWe will only pay benefits for losses OCCurring within Calendar days after the evacuation order is issued, ln order to cancel your Trip, you must have days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends".We have confirmed that there was no mandatory evacuation ordered for Destin, Florida due to Hurricane IrmaAlso, a State of Emergency is not one of the plan's listed Covered Events that would provide benefitsAs such, we are unable to provide benefits for this claim.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response, *** *** 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 April 15, 2016, notifying us of the complaint filed by Ms***.Ms*** canceled her trip on March 14, 2016, due to her illnessThe
policy provides benefits for a trip cancellation caused by illness when certain requirements are met.Coverage is provided for: "Trip Cancellation due to Sickness, Injury or death of you 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."Based on the information provided, Ms*** did not seek in-person treatment by a Physician at the time of Trip CancellationThere is no documentation to confirm an illness commenced while coverage was in effect, or that a doctor deemed her disabled from taking the TripThe medical documentation provided was for an illness that was treated on March 27, 2016, after coverage had ended and the travel dates had passed.Policy requirements that would allow payment of benefits were not metAs such, we must reaffirm our decision that no benefits are payable for this claimIf you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***, Please ensure the claim number is included with your response.Sincerely,*** *** SrTechnical Claims Speqialistcc: *** *** / Director of Claims

Dear Mr***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated 9/27/17, notifying us of the complaint by Mr***.We have investigated this matter and it
appears that Mr*** did not use the rental property as scheduledTherefore, the claim will be reopened and payment will be issued shortly.If you have any questions, please feel free to contact us at ###-###-####, by email at claimsOcsatravelprotection.com or by FAX at ###-###-####Please ensure the claim number is included with your response.Sincerely, *** *** SrTechnical Claims Specialist

Dear Mr***: CSA Travel Protection and Insurance Services represents Generali Assicurazioni Generali S.P.A(U.SBranch) as the administrator of the plan purchased on September 24, We are in receipt of the complaint filed with the Revdex.com of San Diego on October 18, regarding
Policy Number ***.Mr*** purchased the plan on September 24, and was emailed the Description of Coverage and plan limits to the email on file (***) the same dayThe Description of Coverage is also available in the booking path before purchaseThe Description of Coverage lists all terms and conditions of the plan, including the covered events that apply to Trip CancellationThe plan also comes with a day free look that allows the insured days to cancel their plan if it doesn’t meet their needs.Unfortunately, having to cancel due to no child care is not a covered eventMr*** can still file a claim, as final determination of a claim is always made after the claim is filed and the claims representative can see all the facts regarding the claimWe do strive to process a claim within days, however, sometimes it can take longerCSA is committed to providing optimal service to our customers, and we apologize for any inconvenience this situation has caused. If you have any questions, or require any further information, please feel free to contact me at ***. Sincerely, *** ***Compliance Analyst

Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as theadministrator of the travel protection plan that was purchasedWe are in receipt of your emaildated April 11, 2015, notifying us of the complaint filed by Ms***.We have reevaluated the claim and
will afford coverageThe check for $should bemailed at the beginning of this week.If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***.Sincerely,*** ***SrTechnical Claims Specialist

Dear Mr***: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 4/28/17, notifying us of the complaint filed by Mr** ***.Mr** *** canceled his trip due
to Water damage in his home caused by a hot water tank leakThe policy provides Trip Cancellation benefits for the following Covered Event, "Your Home made Uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster"The water damage to Mr** ***'s home was not caused by a natural disasterTherefore, we denied benefits for his claim.The un**rwriter has reviewed this matter and we will afford coveragePayment will be issued as follows:Cost of airline ticket $1,- Srefund = $300.00The $insurance cost is non-refundable, and the $seat fee was not included in the coverage purchasedMr** *** *** claimed the $modification fee charged by Justfly.com after the ticket was canceled.The policy purchased provides Pre-departure Trip Cancellation Benefits and states it "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"As the cancellation fees are not prepaid, there are no benefits payable for any modification fees charged by Justfly.com.If you have any questions, please feel free to contact us at (800) 541-3522, by email at claimsGDCsatravelprotection.com or by FAX at (877) 300-Please ensure the claim number is included with your response,Sincerely,*** *** SrTechnical Claims Specialist

Dear Mr***:CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchasedWe received your email dated September 11, 2017, notifying us of the complaint filed by Ms***.On May 19, 2017, Ms***
purchased airline tickets for herself and two traveling Companions for travel to UtahShe purchased the travel insurance plan on July 01, 2017, with coverage for Trip Cancellation commencing on July 02, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her at the address provided of *** ***.On July 02, 2017, traveler *** *** canceled his trip due to his illness, which is categorized as a mental, nervous, or psychological disorderThe Physician's Statement Completed by Dr*** *** indicates that Mr*** received medical examination and treatment for this condition on June 14, 2017, which is during the 60-day period before the policy effective date.The policy provides Trip Cancellation benefits for a cancellation due to illness when certain requirements are metCoverage is also subject to the plan's terms and condition as follows:"GENERAL, EXCLUSIONSWe will not pay for any loss under this Policy, caused by, or resulting from...bmental, nervous, or psychological disorders of you or your Traveling Companion".Also, "The following exclusion applies to the Trip Cancellation, Trip interruption, and Travel Delay coverages: aWe will not pay for loss or expense caused by or incurred resulting from a Pre-Existing Condition, as defined in the Definitions section, including death that results there from."As defined by the policy, "PRE-EXISTING CONDITION means a Sickness or Injury during the 60-day period immediately prior to your effective date for which you or your Traveling Companion: (1) received, or received a recommendation for, a diagnostic test, examination, or medical treatment, or (2) took or received a prescription for drugs or medicine."Mr*** canceled his trip due to a medical condition that is a Pre-Existing Condition as defined, and is specifically excluded from CoverageTherefore, we are unable to provide benefits for this claim.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely*** ***

Dear Mr***: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 8/18/17, notifying us of the complaint filed by Mr***.Mr*** booked airline tickets through
***.com, with a *** Airlines flight from Seattle to Denver Scheduled for 6/25/According to the information provided, there was no one at the *** Airlines ticket Counter, and therefore, this flight to Denver was missed by Mr*** and his traveling Companion *** ***Mr*** states that he had to purchase new tickets through ***.com to return home the following day, and has claimed $for these tickets.The policy purchased provides Trip Interruption benefits for the cost of additional transportation costs to return home if the trip is interrupted due to one of the plan's listed Covered EventsThere are listed Covered Events in the Travel insurance Policy purchasedThe failure of an airline to adequately staff their ticket Counters is not one of the plan's Covered Events that Would provide coverageTherefore, 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 claimsGCsatravelprotection.com or by FAX at ###-###-####Please ensure the claim number is included with your res ponseSincerely, C-1*** *** f SrTechnical Claims Specialist

February 05, 2015*** *** / Revdex.com OF SAN DIEGOVIEWRIDGE AVE #200SAN DIEGO, CA 92123*** *** #*** *** #***Claim Number: ***Policy Number: ***Travel Dates: September 23, - October 18, 2014Dear Ms***: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 *** *** and *** ***Both parties are on the same policy andhave filed the same complaintThis letter is in response to both of their complaints.When Mr*** and Ms*** 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, MrWolfe and Ms*** purchased clothing,toiletries, medication, and other items, and filed a Baggage Delay claim for $,851.00.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 Trip.When 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 agentlf there 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 10-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) 300-8670.Sincerely,*** ***SrTechnical Claims Specialistcc: *** *** / Director of Claims

Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated February 16, 2016, requesting clarification.When Vitaly ***, the named Insured, purchased his policy, he was emailed a Policy Confirmation Letter and Description of CoverageThis is our standard procedureMr*** received an email from us letting him know that Mr*** had purchased a policyThis email provided a telephone number for Mr*** to call our Customer Service Department with any questions he might haveAs Mr*** is not the Insured and/or policyholder, a copy of the policy was not provided to him.This policy only pays for damages caused by the Insured or their guestsWe contacted the named Insured, Mr***, and he stated that neither he nor his guests caused any of the damagesTherefore, we were unable to provide benefits for the claim.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely,*** *** *** Technical Claims SpecialistCC: *** *** ***

Claims CorrespondenceMay 30, Revdex.com OF SAN DIEGO ATTN: *** *** VIEWRIDGE AWE #2OO SAN DIEGO, CA 92123** *** ***o #0Claim Number: *** ***-Policy Number: ***1Travel Dates: Apr 26, - May 18, 2017Dear Mr***: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 5/26/17, with additio**l information provided by Ms*** in regard to the claim payment.Ms***'s policy included rental car damage coverage as follows:"If you rent a car while on your Trip and the car is damaged while in your possession due to Collision, theft, vandalism, Windstorm, fire, hail, flood or any cause not in your control, or the car is stolen While in your possession and not recovered, we will pay, up to the amount in the Schedule, the lesser of: a, the Cost of repairs and rental charges imposed by the rental Company while the car is being repaired;..."The rental Car Company charged Ms*** for items not covered by this plan: EPA fee, assessment fee, and Collection/delivery charge feesThe check issued to Ms*** for $1,represented payment for the cost of repairs and rental charges imposed by the rental Company (loss of use).If you have any questions, please feel free to contact us at (800) 541-3522, by email atclaimsGDCsatravel protection.com or by FAX at (877) 300-Please ensure the claim number is included with your response.Sincerely, *** *** SrTechnical Claims Specialist

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Details that were requested by CSA were sent the same day and we have received no further action to resolve this matterWe are still waiting on payments
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Dear Ms.**,
Thank you for replying with the message from CSA
TravelI agree that I did book the cruise on August The reply states,
” The Policy Confirmation Letter confirming there was no Cancel for Any Reason
coverage, and the Description of Coverage outlining the plan's coverage and
coverage restrictions, were emailed to Mr*** at the time of the insurance
purchase”If this statement is true, why did I just only receive a Policy
Confirmation Letter on February After the fact when we started the
claims processI have scrubbed my email that I gave to the agent when I bought
the insuranceI have not found the Policy Confirmation Letter anywhere in my
inbox or junk mail that was dated when I purchased the insuranceI keep stuff
for a long time just to make sure things like this do not happenIt seems to
be that there is a communication breakdown somewhereI know if I would have had the
policy confirmation letter I would have not gotten the insuranceThe agent who
was the phone said that I would be reimbursed for the full amount if we were to
cancel at any timeAs to date the company still owes me the $dollarsTruly
I am tired of trying to contact the company since they feel they cannot talk to
me about the issuesOnce again there has been no customer serviceI am not
satisfied with what the company has to sayI have been in the military for
years, I believe I deserve a lot more respect than what the CSA Travel is giving me
and my familyFamily is very important to me and this is not helping my family
Regards,
*** ***

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, with additional information submitted by Mr***.The travel protection pian purchased by Mr*** is sold as a comprehensive policy with multiple COveragesWe are unable to remove individual coverages from the planThe Policy Confirmation Letter and Description of Coverage was provided to Mr*** at the time of purchase.The Confirmation Letter stated the following:"Please review your policy documents carefully, and if you have any questions about your plan please contact our Customer Service Department at (***) ***-***Your 10-day free look period expires on Sep 11, If you decide to cance this plan during your free look period and you have not left for your covered trip or filed a claim, simply contact *** at ***-***-*** to request a full refund of the plan cost."The Description of Coverage, under the heading 10-DAY RIGHT TO EXAMINE YOUR DESCRIPTION OF COVERAGE, stated:"If you are not satisfied for any reason, you may cancel coverage under the policy within days after receiptYour premium payment will be refunded, provided that there has been no incurred covered expense and you have not left on your TripReturn the Description of Coverage to us at the Program Administrators office or our authorized agentWhen so returned, the Description of Coverage is void from the beginningAfter this 10-day period, the payment for this coverage is nonrefundable."As outlined in the Policy Confirmation Letter and Description of Coverage, the premium payment is non-refundable after the 10-day free look periodTherefore, we are unable to provide a premium refund to Mr***.If you have any questions, please feel free to Contact us at (***) ***-***, by email at claimsGCsatravelprotection.com or by FAX at (***) ***-***Please ensure the claim number is included with your response,Sincerely,"? ?? ??*** *** SrTechnical Claims SpecialistCC: Generali U.SBranchThese plans are administered by CSA Travel Protection and Insurance ServicesServices are provided through CSA's designated providersTravel Insurance is Underwritten by: Generali U.SBranch, New York, New York; NAIC # *** (all states except as otherwise noted) under PolicyCertificate Form series T001, California is UnderWritten by Generali Assicurazioni Generali S.P.A(U.SBranch), Colorado is Underwritten by Assicurazioni Generali - U.SBranch, Oregon is Underwritten 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.SBranch

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Re: *** *** Email: ***Revdex.com Complaint ID ***CSA Policy #*** Dear Ms***, CSA Travel Protection and Insurance Services is an administrator of travel protection plans and vacation rental damage protection plans sold through HomeAway.com and their subsidiary site VRBO. We are in receipt of your complaint filed with the Revdex.com of San Diego. As noted in your letter, you purchased Cancellation Protection for your VRBO accommodations March 17, through April 7, 2015. The Cancellation Protection product offers various non-insurance services that are available during your trip, as well as two insurance coverages: Trip Cancellation and Travel Delay. A copy of your Policy Confirmation Letter with the product’s Travel Insurance Policy is attached. In your phone call with CSA on March 25, 2015, you advised that your stay at the VRBO accommodations were interrupted due to a family emergency and you inquired how to begin a claim for Trip Interruption benefits. The Customer Service Representative advised that the product purchased through VRBO does not contain Trip Interruption benefits for unused arrangements. We regret that we must reaffirm the information provided in the phone call on March 25, 2015. We work closely with HomeAway.com and their subsidiary sites to ensure the advertising of this product is clear and appropriate, and will take this opportunity to further audit these sites to ensure we are providing optimal service to our customers. If you have any questions, or require any further information, please do not hesitate to contact me directly at *** *** or ***. Sincerely, *** ***Director of Compliance & Licensing Enclosure/Attachment: Policy Confirmation Letter for #*** including Travel Insurance Policy Cc: Revdex.com of San Diego *** *** Vice President of Operations CSA Travel Protection

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I am not satisfied with the same story they had told me beforeCSA has been difficult to deal with and unreasonable in their expectations that I could foretell the future surgery of my father before he ever had any testing or even met his surgeonI would like my money back for not only the vacation, but also the money I spent on this worthless insuranceThey (CSA) have no intention of assisting anyone who has an unplanned family health situation which makes it impossible to travel for the previously planned vacationPlease see the attached letter from my father's surgeon who agrees that I had no way of knowing that this would happen at the time I bought the insurance and planned the vacation.
Regards,
*** ***

This response was sent to you on 12/19/

Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was selectedWe are in receipt of your email providing additional information from Mr***.The claim is not payable and based on our previous
explanation, Mr*** did not qualify for a premium refund under the 10-day free look periodHowever, in an effort to settle this matter and as a customer service gesture, we will rescind the policy and refund the $plan cost to Mr***Please confirm that Mr*** will accept this offer of the premium refund.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***.Sincerely, *** *** SrTechnical Specialistcc: *** *** *** *** / Director of Claims

CSA Travel Protection and Insurance Services represents Generali U.SBranch as the administrator of the travel protection plan that was purchased by *** ***We are in receipt of your email dated August 02, 2016, with additional information provided by Ms***.Ms*** states that the laminate in her kitchen is no longer in production, which is why she is requesting full replacement of the countertopsAccording to information provided by Ms***, she does not know the age of the existing countertops because they were in the house when she purchased it in 2002.This policy will cover the cost of repairs or replacement of the damaged property, which is the portion of the countertop that has the burn holeWe are unable to cover the cost to replace all of the 14-year old countertops in the kitchen.We await an estimate for the damaged countertop aloneUpon receipt, we can continue to process the claim.If you have any questions, please feel free to contact us at *** ***, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely,*** *** SrTechnical Claims Specialistcc: Generali U.SBranch*** *** / Director of Claims