Genesis Homes

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
[Provide details of why you are not satisfied with this resolutionI reject this offer because I did not receive letter of insurance policies until after I filed my claim
Regards,
*** ***

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 July 17, 2016, notifying us of the complaint filed by Mr***.Mr*** booked airline tickets through
*** and purchased the travel insurance plan on Jun 07, At that time a Policy Confirmation Letter and Policy, outlining the plan's coverage and coverage restrictions, were emailed to him*** *** *** *** *** denied Mr***'s attendance to a convention he was planning to attend, and the trip was canceled.The policy purchased only provides Trip Cancellation benefits when the trip is canceled for one of the plan's listed Covered EventsThe reason that Mr*** canceled his trip is not due to one of the policy's Covered EventsTherefore, we are unable to provide benefits for his 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: *** *** ***

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 will forward the correspondence to you for references
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
My husband and I are caught in the middleBoth companies agree our money should be refundedYet CSA believes that *** *** Properties should refund our money, and *** believes that CSA Travel Protection should refund our moneyIn the meantime, NO one is refunding our money. The information that CSA provided in their reply to our complaint appears to state fact but not all the facts. In their letter *** *** Properties (their business partner) should honor the agreement and refund our moneyYet *** is NOT honoring their agreement as stated by CSAThey have stated they believe it’s CSA who should refund our money. Basically, this is looking more and more like these two companies planned it this way. By going back and forth like this, they collected $9,for nothing.
Regards,
*** ***

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 resolvedI did speak with Ms*** with thr company and she has assured me they will cancel the policy and refund my money back to my credit card within to business daysI have received the cancelled email from the company.
Regards,
*** *** ***

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,
*** ***

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 April14, 2015, notifying us of the complaint filed by Mr***.Mr*** canceled his trip due to the
illness of his mother and being named in a lawsuitAfter areevaluation of the medical documentation, we determined that benefits would be available dueto the worsening medical condition of his mother.Payment has been entered in the system and should be mailed next week as follows:$668.34- $nonrefundable insurance- $refund by the cruise line = $498.00If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***.Sincerely,*** ***SrTechnical Claims Specialistcc: Generali U.SBranch*** *** I 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 December 01, 2015, notifying us of the complaint filed by Ms***.Ms*** booked and paid for
a trip to the Dominican Republic on May 02, The travel insurance plan was purchased on May 15, 2015, with a Trip Cancellation coverage effective date of May 16, The trip was canceled on May 19, 2015, due to the death of a family member,According to the medical documentation obtained to investigate the claim, the patient was admitted to the hospital prior to the purchase of the insurance planThe condition continued to worsen resulting in the patient's passing on May 19, 2015.Coverage is provided due to the death of a family member, subject to the plan's terms and conditionsThe plan states under the heading "GENERAL EXCLUSIONSWe will not pay for any loss under this Policy, caused by, or resulting from...sa loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when coverage is not in effect for you; tany issue or event that could have been reasonably foreseen or expected when you purchased the coverage".The illness began prior to coverage going into effect, and the passing was reasonably foreseen or expected when the policy was purchasedTherefore, 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 *** ***, by email at *** or by FAX at *** ***.Sincerely, *** *** *** *** *** ***CC: *** *** *** *** / *** ** ***

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 9/22116, with additional information provided by Mr***.Mr*** purchased the travel insurance plan on 7/12/At that time a Policy Confirmation Letter and Description of Coverage were emailed to him.The Confirmation Letter encourages the insured to review the policy documents, and if not satisfied within days, they can request the policy be canceled and the premium will be refundedThe 10-day free look period is also listed in the Description of Coverage along with the plan's coverage and coverage restrictionsIf the customer does not request a policy cancellation within the 10-day free look period, it is presumed that the plan has been found acceptable.In order to provide benefits for a Trip Cancellation, the reason for the cancellation must be one of the policy's listed Covered EventsThe policy will provide benefits for "A mandatory evacuation (or public official evacuation advisement in geographic areas where no mandatory evacuation orders are issued by government authorities) at your destination due to adverse weather or natural disastersWe will only pay benefits for losses occurring within calendar days after the evacuation order is issuedIn order to cancel your Trip, you must have days or 50% of your total Trip length or less remaining at the time the mandatory evacuation ends".There was no mandatory evacuation order in place at Mr***' travel destination when the trip was canceled.We understand Mr***' decision to cancel travel plans, but this choice was not due to one of the plan's Covered EventsWe must adhere to the policy's terms and conditions, and therefore, find no benefits payable for this claimlf 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: *** *** *** *** / Director of Claims

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.Thank you so much for processing our complaint. This afternoon I received the message below from CSA indicating that they have decided to pay our claim.As such, we’ll withdraw our complaint. Please let me know if further action on our part is necessary.Of course, we have expressed our appreciation to CSA and we hope they will modify their policies.Thank you very much.*** ***

CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was purchasedWe are in receipt of your email dated July 14,2016, notifying us of thecomplaint filed by Ms***.Ms*** booked airline tickets through Justfly.com and purchased the travel
insurance planon April 11, At that time a Policy Confirmation Letter and Description of Coverage,outlining the plan's coverage and coverage restrictions, were emailed to herOn June 19, 2016,Ms*** missed her flight home from Lisbon due to communication issues with the airportand airline staffShe purchased new airline tickets to return home the following day.The policy provides coverage for Post-Departure Trip Interruption Benefits only for the specificreasons listed in the planUnfortunately, the reason that Ms*** missed her original flighthome is not one of the events that would allow payment of benefitsA copy of the PolicyConfirmation Letter and Description of Coverage are enclosed for your review.If you have any questions, please feel free to contact us at *** ***, by email at*** or by FAX at *** ***Please ensure the claim numberis included with your response. Sincerely,*** ***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 4/16/16, notifying us of the complaint filed by Ms***.Ms*** purchased the travel insurance plan on 3/22/16, with a Trip Cancellation
coverage effective date of 3/23/At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to her.Ms*** states that she was to fly through Istanbul, Turkey on her way to Naples, Italy during her scheduled travel dates of 5/09/to 5/17/She references two bombing incidents that occurred in Istanbul on 2/17/and 3/19/16, and that subsequently the State Department issued a travel warning to Turkey.The Description of Coverage, under the heading Coverages and Benefits, states the following:“This plan covers you for certain unforeseeable events that occur while your coverage is in effect." The Description of Coverage lists the eleven covered events that would allow benefits for a Pre-Departure Trip Cancellation.Included in the covered Reasons for Cancellation and Interruption is the following:"a Terrorist Act, which occurs in your departure city or in a city that is a scheduled destination for your Trip, provided the Terrorist Act occurs within days of the Scheduled Departure Date of your Trip".Coverage is also subject to the plan's terms and General Plan Exclusions:"The following exclusions apply to all coverages:We will not pay for any loss under the plan caused by, or resulting froma loss that results from an illness, disease, or other condition, event or circumstance which occurs at a time when the plan is not in effect for you." A government travel Warning is not one of the sisted covered events that would allow payment of benefitsThe Terrorist Acts referenced in Ms***'s complaint occurred before the policy went into effect, and did not occur within days of the Trip's Scheduled Departure DateTherefore, we are unable to provide payment for this claimA copy of the Description of Coverage is enclosed for your review,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: *** *** / Director of Claims

CSA Travel Protection and Insurance Services represents Generali U.SBranch asthe administrator of the travel protection plan that was selectedWe are in receipt ofyour email dated February 04, 2016, notifying us that Ms*** has providedadditional information previously required from us.Unfortunately, our original position has not changedAs previously advised, duringthe telephone conversation between Ms*** and ***, hereinreferred to as **, on September 26,2015, Ms*** asked, if she does not startfeeling well, would ** be able to help her with an airline ticket back to ***.** advised Ms*** that she would need to provide them with a copy of themedical report prepared by the treating physician and there was no furtherdiscussion regarding Ms***'s desire to return home earlyAgain, the planpurchased provides Emergency Assistance and Transportation expenses for: "non,emergency repatriation to your place of residence in the United States ofAmerica, when deemed medically necessary by the attending physician, subject toprior approval by us or our authorized agent."Ms*** has again provided a copy of the medical report requested on September26, However, this documentation was first provided to us on October 15,2015, after she safely returned home from her tripOur authorized agent was unableto determine if it was medically necessary for Ms*** to return home early, asthe requested documentation was not provided until after she had already retumedhome.As previously advised, we have issued payment to Ms*** in the amount of$for her trip interruption claimThis payment represents reimbursement ofher unused tours booked with *** *** Additionally, Ms*** is awarethat as she is a Medicare policyholder with a supplemental carrier, we require thedisposition from the supplemental carrier, as most will pay some foreign expenseseven though Medicare will notOnce this infonnation is received from Ms***,we will reimburse her for her medical expenses not covered by her supplementalmedical carrier, *** *** *** ***d.If you have any questions, please feel free to contact us at *** ***, by emailat *** or by FAX at *** ***.Sincerely,*** ***Technical 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
Regards,
*** ***

CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was purchased by Vitaly ***We are in receipt of your email with additional information submitted by Mr*** regarding the denial of this claim.Mr*** is frustrated that we are unable to provide benefits for the damage to his rental propertyAccording to Mr***, when the property was inspected on January 05, 2016, after the tenants checked out on January 03, 2016, the door jamb to the sliding glass door was damagedWindows were left open, the kitchen faucet was damaged, and the unit was left dirty.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 the named Insured, Mr***, and he stated that neither he nor his guests caused any of the damagesAs this policy only pays for damages caused by the Insured or their guests, we are 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 *** ***.Sincerely, *** *** *** Technical Claims SpecialistCC: *** *** ***

December 10, 2014*** *** I Revdex.com OF SAN DIEGOVIEWRIDGE AVE #200SAN DIEGO, CA 92123*** and *** *** #* ***Claim Number: ***Policy Number: ***Travel Dates: October 19, 2014- October 26, 2014Dear 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 December 08, 2014, notifying us of the complaint filed by *** and *** ***.We have reevaluated the claim and will afford coverage for the unused airfare of *** and*** ***The claims representative will reopen the file for continued processing.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: General US Branch*** ***/ Director of Claims

* *** *** *** *** #***Claim Number: *** Policy Number: *** Travel Dates: Nov 19, - Nov 26, 2016Dear 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 April 01, 2017, notifying us of the complaint filed by Mrand Mrs***.As part of our investigation, we contacted Dynamic International Airways on December 27, to ask about the reason for the flight cancellationThey informed us that it was due to the route from *** *** to Cancun-CUN not being profitableWhen verifying reasons for cancellation, the airlines will specifically adviseif weather or mechanical breakdown of the aircraft played a role in the cancellation of the scheduled flightIn this particular case, these reasons were not referred to during the call when asking the exact reason for cancellation.Our investigation online led us to the fact that Dynamic International Airways canceled multiple international routes in mid-August (see http://www.sun-sentinel.com/business/tourism! fl-dynamic-airways-ends-fil-Caracas-route-***-story.htm)The policy provides Trip Cancellation benefits which state in the Description of Coverage, Trip Cancellation Benefit Rider, Covered Events, "Common Carrier delays and/or cancellations resulting from adverse weather, mechanical breakdown of the aircraft, ship, boat or motor coach that you were scheduled to travel on..."As we have concluded that the reason for the flight cancellation was the decision of Dynamic International Airways to cease operating that specific route, and not due to a Covered Event on the policy, the denial of the claim must be upheld.Finally, the obligation to notify travelers of route changes or cancellations and/or flight cancellations rests with the travel providers, specifically, the airline involved, as well as with the travel agency and/or website through which the flights trip were purchased.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 Specialist

***,I already sent this information in a previous email back to youCan you please provide me with thcontactinformation for the representative at CSA that is working on this issue?Thank you

Dear Ms***:CSA Travel Protection and Insurance Services is the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated September 01, 2015, notifying us of the complaint filed by Mr***.On June 06, 2015, Mr*** booked and paid for a trip
to Australia with scheduled travel dates of August 19, to August 30, The travel insurance plan was purchased on July 02, 2015, with a trip cancellation coverage effective date of July 03, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to himMr*** canceled the trip on July 06, 2015, stating that he was moving to *** to start a new job.The policy provides trip cancellation benefits "for certain unforeseeable events that occur while your coverage is in effect." As shown under the plan's covered reasons for Pre-Departure Trip Cancellation Benefits, "The following reasons apply to you, a Family Member traveling with you, or a Traveling Companion and must occur while coverage is in effecta transfer of employment of miles or more".In order to confirm that this transfer of employment occurred while coverage was in effect, from July 03, to July 06, 2015, we need additional information from the school in ***We need written confirmation from the School that the application and acceptance of the transfer occurred after the policy effective dateMr*** should be able to provide us with a copy of the letter he received from the school confirming the date he was accepted as a teacherUpon receipt of this documentation, we will 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 withyour response.Sincerely,*** *** *** *** *** ***cc: *** *** / *** ** ***

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
On August 19th I sent an email asking about refund for cancellations and was told that you could not decide until I filed a claim At that point in wasn't aware of the travel advisory or the website to find itI was told by two of yours reps that my claim is not covered and would be denied so why would I waste time?I was able to get a new flight but I had to pay $and shorten my trip four days I still want my insurancevcoverage since I'm flying but I want the $refunded instead of $I originally asked for, which I think is fair I don't want to waste time filling out a claim unless I know it will be approved
Regards,
*** ***