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 belowthis response is NOT ACCEPTABLE! First of all, I sent in the claim to CSA on 10/15/via email and by facsimileIt appears their claims receiving department is as incompetent as the adjustersThe damage provision policy purchased by the renter is not provided to the homeowners renting the property AND the Property Damage Coverage that is advertised on the website claims coverage for "damages, soiled linens, etc and EXCESSIVE CLEANING but never indicates that claims for damage is solely conditioned on the renter ADMITTING to the damage. No one would ever admit to it and from reading all the forums from homeowners regarding CSA this appears to be a continuing issue of misrepresentation This is an EASY CLAUSE for CSA to get out of paying any claims. CSA is committing fraud as well as baiting the homeowners to offer this useless coverage to renters in believing that any damage claims reported will be covered See attachments wherein CSA advertises their coverage assuring the homeowner that their claims will be covered. The mere fact that the renter admitted to damaging my washing machine is blatant sign that the other damage did result from herI requested and submitted all proof for the reimbursement of the machine repair, the cleaning service fee that I incurred together with the supplies that were purchasedPaying only a portion of the claim (washing machine) is unacceptableThese people completely destroyed my home and no person in their right mind would ever admit to such damage (soiled sanitary napkins, diapers, grease, damaged curtains, stained furniture)CSA is commiting fraud and will be reportedI am requesting the reimbursement of the cleaning service fee and supplies
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
On February 1, the World Health Organization (WHO) emergency committee declared the Zika Virus a Public Health Emergency Of International Concern (PHEIC), which is "an extraordinary event which is determined to constitute a public health risk through the international spread of disease." The National Institute of Health calls the Zika Virus a Pandemic in Progress. The Center for Disease Control (CDC) health authorities declared an increase in Guillain-Barré syndrome(GBS) associated with ZikaThis is a neurological condition where a person’s own immune system damages the nerve cells, leading to muscle weakness, parallelization and death. The muscles of the face that control eye movement or swallowing become weak which affects breathing resulting in the need for a breathing tube to help them breatheThe World Health Organization (WHO) has reported that men traveling in areas with Zika outbreak who get bitten by a mosquito carrying Zika could later transmit the virus through sexual intercourse, which will cause me to contact the Zika Virus and all it's side-effects
According to a CSA's Description of Coverage the following exclusion applies to the Medical and Dental, Trip Cancellation, Trip Interruption, and Travel Delay coverages: We 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 fromThis Exclusion does not apply provided you meet the following requirements:Item
states " Being unable to undergo a vaccination or inoculation, due to a medical reason, that is announced and published as required for entry into a country of destination while on your Trip. The vaccination or inoculation must be unannounced and unpublished to the public at the time your coverage is purchased."On February 2, India's Bharat Biotech International made available the World's First Zika Virus Vaccine. Entrance in to India requires a yellow fever vaccination certificate. According to CDC if a person is allergic to eggs or poultry they can not be given the yellow fever vaccinationReceiving the yellow fever vaccination will result in negative events include life-threatening allergic reaction, disease affecting the nervous system, and disease affecting certain internal organsInasmuch as *** *** is allergic to eggs resulting in him unable to receive the Yellow Fever Vaccine due to a medical reason, which prevented him entry to India resulting in him not receive the Zika Virus Vaccaine due to a medical reason. Due to the extenuating circumstances of this situation I am requesting CSA allow payment of this claim in the amount of $This will be considered payment in full and the claim can be considered closedSincerely,
*** ***

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 09, 2017, with additional information provided by Ms***.This claim was finalized on December 07, 2017, and the check for $1,482.50, should be mailed todayThe insurance cost is non-refundable.If you have any questions, please feel free to contact us at ###-###-####, by email at claimsQcsatravel protection.com or by FAX at ###-###-####Please ensure the claim number is included with your response,Sincerely,*** ***SrTechnical Claims Specialist

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 01/04/17, with additional information from Mr***.Mr*** has provided photos of communication he had with Ms*** on 11/29/Ms.*** confirmed that it was 'a little crazy', and 'Total chaos', trying to leave the property on11/27/with the kids, snow, and bagsHowever, Ms*** has not admitted that she or herfamily caused any of the damages that are claimed, and she has adamantly denied the damageoccurred during their stay.The policy purchased by Ms*** provides benefits for accidental damage that she causesduring the rental periodAs Ms*** has denied causing the damages claimed, we are unableto provide benefits 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-Please ensure the claim numberis included with your response.*** ***SrTechnical Claims Specialist

CSA Travel Protection and Insurance Services represents *** *** *** as the administrator of the travel protection plan that was selectedWe are in receipt of your email dated 09/02/16, with additional information provided by Mr***.According to the information we obtained on ***, *** *** *** offered flights from Shanghai to Colombo on Monday 04/04/16, 04/18/16, and 04/25/Beginning on 05/02/16, this airline no longer provided this flight on MondaysCopies of the *** route information is enclosedBetween the time that Mr*** purchased his airline tickets on 01/31/16, and the time that he departed on the trip, the airline should have notified him of this flight change, but may have failed to do so.The airline canceled their scheduled flights from Shanghai to Colombo on Mondays at the beginning of May This is not one of the Covered Events that would provide benefits under this policyFailure of the airline to provide the bargained-for travel arrangements is specifically excluded from coverageAs 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.Sincerely, *** *** SrTechnical Claims Specialistcc: *** *** *** *** / Director of Claims

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 refusal by CSA Travel Protection to resolve this matter in a fair way I still feel that their advertising was very misleading bu saying ""UNABLE TO TRAVEL DUE TO A COLD? NO PROBLEM! TRIP CANCELLATION COVERAGE KEEPS YOU FROM LOSING YOUR VACATION SAVINGS." I have read other complaints by other customers and see that some of them have had the same problem. If this is not resolved by refunding my money I will pursue other action against this company and I will also post on social media how they do business. We travel often and so do my family members but they will be advised never to do business with CSA.I have been honest with them and bought their product in good faith based on their advertising and I WANT THEM TO RECONSIDER AND REFUND MY MONEY LIKE AN HONEST COMPANY WOULD DO!!!!!
Regards,
*** ***

Hello,We are waiting on the following claims I have provide the last name of the claimant and the amount due to Apex from CSA CSA does not provide claim numbers
CSA: Dr
*** Party
*** *** *** ** Bedding
CSA-Claim
for *** Party
* *** *** Claim
1,

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 VRBOWe are receipt of your follow- up correspondence on the above referenced matter As you've noted, some travel protection plans available in the marketplace include the coverage of Trip Interruption, which typically provides benefits if you are delayed beyond your scheduled departure date or if you are unable to continue on your trip due to a covered event that occurs during your scheduled travel datesThe Cancellation Protection product you purchased through VRBO does not include this coverageWhile the terms "cancel" and "interrupt" may not be defined, the Travel Insurance Policy advises what benefits are available under "TRIP CANCELLATION BENEFIT" if you are prevented from taking your trip due to a covered event that occurs prior to your departure Formally, a claim has not been filed by you against this policyThe customer service information provided in the March 25th phone call, and our response to your Revdex.com of San Diego complaint, were not denials of insurance claims If you wish for our Claims Department to review the facts of your loss and issue a formal determination, please access the following website to complete a claim form and review a list of the supporting documentation to submit: *** For assistance with the forms and supporting documentation, you can reach our Claims Department toll-free at *** *** 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

Dear Ms***:CSA Travel Protection and Insurance Services represents *** *** *** as theadministrator of the travel protection plan that was selectedWe are in receipt of your emailedDated July 20, 2015, notifying us of the complaint filed by Mrand Mrs***.Mrand Mrs*** booked a
cruise with *** *** with the scheduled travel dates ofMay 05, to May 13, The travel insurance plan was purchased on August 15, 2014.At that time a Policy Confirmation Letter, stating the insured travel dates and policy maximums,and a Description of Coverage, outlining the plan's coverage and coverage restrictions, wereemailed to them.Mrand Mrs*** additionally, booked other travel arrangements, which were not insured,extending their trip from April 30, to May 16, On May 05, 2015, Mr*** beganfeeling ill and sought medical treatment on May 07, Although Mr*** was diagnosedwith pneumonia, they continued on their trip, as scheduled.The plan purchased provides trip interruption benefits for: "the unused, non-refundable land orwater arrangements prepaid to the Travel Supplier prior to departing on your Trip, less anyrefunds paid or payable, plus Additional transportation expenses incurred for you to reachthe final return destination of your Trip".We have verified with *** *** ***, that Mrand Mrs*** continued on their trip, asscheduled, and used all portions of their river cruise including the transfer from A*** to***As all pre-paid arrangements booked with *** *** *** were used, we areunable to reimburse them for this portion of their claim.According to the documentation provided, the unused airfare from Barcelona, Spain to *** ** was scheduled for May 16, As Mrand Mrs*** only insured the traveldates of May 05, to May 13, 2016, this airfare falls outside of the insured travel dates.Therefore, we are not able to consider reimbursement for this expense.In regards to Mrand Mrs***'s request for reimbursement for their additional hotel in SanFrancisco and the balance of all travel delay charges, the plan purchased has a travel delaypolicy maximum of $1,Mrand Mrs*** were issued payment for their policymaximum on June 11, Please note, travel delay coverage provides benefitsfor: "reasonable additional expenses incurred by you for lodging Accommodations, meals,telephone calls, local transportation, and additional vehicle parking charges and additional petkennel fees incurred due to the delay."If 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 10/20/16, with additional information provided by Ms*** for consideration.Ms*** has provided a letter written by Dr*** ***, which indicates that he first saw the patient for evaluation of a lesion on 06/03/A biopsy was performed at that time, resulting in a diagnosis of dysplasiaA second biopsy, performed on 6/22/16, showed a diagnosis of squamous cell carcinomaThis new diagnosis required surgery, and Ms*** canceled the trip on 06/30/16, to assist her father.Based on the new diagnosis after the 06/05/policy effective date, and the additional clarification of the illness from the patient's doctor, we have determined coverage can be afforded for this claimThe file will be reopened to issue payment for the non-refundable Trip cost paid of $The insurance cost is non-refundable.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

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
The response from the business states that I did not seek an in person examination That is not true I did try to get an appointment and sent documentation stating the same CSA said that I should have gone to a Patient First type facility to get the paper work completed While it may have met the TECHNICAL requirements, it would not have met the ETHICAL intent of the policy Had I done as they suggested, it would not have been as valid as the measure I did take I contacted my physician who has been treating me for a medical condition and who knows my history related to my condition That IS NOT the case from a doctor at a walk in facility I could have told him/her anything and because I had physically walked into the facility as specified in the policy, I should have been granted coverage
Regards,
*** ***

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 3/03/16, notifying us of the complaint filed by Ms***.Ms*** booked a rental and purchased
the travel insurance plan on 2/04/At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to herThe letter and plan description reviewed the 10-day free-look period to cancel the policy, and receive a refund of the insurance plan costThis is not a cancel for any reason policy in regard to paid trip costs.On 2/09/16, Ms*** contacted the property homeowner and asked if she could extend her rental stay until 6/19/16, due to their already scheduled airline flightsThe homeowner stated that the property was already booked for that date, and Ms*** canceled the booking on 2/10/She claimed the $non-refundable deposit that had been paid for the property.The policy purchased only provides Trip Cancellation benefits for the specific Covered Events listed in the planMs***'s need to change the dates of the rental is not one of the covered reasons that would allow benefits under the planTherefore, we must reaffirm our decision and redeny 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, *** ***SrTechnical Claims Specialist

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 June 24, 2015, with the additional information submitted by Ms***.Ms*** indicates that she did submit photos to us showing the stains on the linensWe do nothave any record of receiving the photos, but this would not have changed the claims decision.This policy provides coverage for accidental damages caused by the named InsuredIn thiscase, the named Insured, *** *** has indicated that no one in her rental party wasresponsible for the damaged linensAs such, we must abide by our original decision and denycoverage for this claim.If you have any questions, please feel free to contact us at *** ***, by email [email protected] or by FAX at *** ***.Sincerely,*** ***SrTechnical Claims Specialistcc: *** *** *** / Director of Claims

CSA Travel Protection and Insurance Services represents Generati U.SBranch as the administrator of the travel protection plan that was purchasedWe are in receipt of your email dated December 07, 2017, notifying us of the complaint filed by Ms***.Regretfully, due to the large influx of
Hurricane and Natural Disaster claims received in Our office, we have not been able to process claims as quickly as usualWe have reviewed Ms***'s claim and requested some documentation from the homeowner that is needed to finalize the claimOnce we receive the requested information, We will Continue to process the claim.If you have any questions, please feel free to contact us at (800) 541-3522, by email at claimsG)csatravel protection.com or by FAX at (877) 300-Please ensure the claim number is included with your response.Sincerely,*** *** 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 selected.The customer booked one-way airline tickets for trave from San Francisco to Washington DCThe travel insurance plan was purchased on
September 01, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, Were emailed to Prasanth ***.Prasanth *** is claiming $for clothing purchases made in *** on September 17, and September 18, 2016, due to a delay in receiving their baggageAs stated in the policy under the heading "ELIGIBILITY AND EFFECTIVE DATES...When Coverage EndsYour coverage automatically ends on the earlier of:the date the Trip is completed; or the Scheduled Return Date; oryour arrival at the return destination on a round trip, or the destination on a one-way trip; or cancellation of the Trip covered by the Policy."Also, "BAGGAGE DELAY COVERAGEWe will reimburse you, up to the amount shown in the Schedule, for the cost of reasonable additional clothing and personal articles purchased by you, if your Baggage is delayed for hours or more during your TripWe will reimburse you up to the amount shown in the Schedule for expenses incurred during your Trip to locate/track your delayed Baggage, and to retrieve your delayed Baggage or to have your delayed Baggage delivered to youWe will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed.LimitationsThis coverage terminates when your Baggage is retrieved or returned to you, or upon your arrival at the return destination of your Trip, whichever occurs first."Upon arrival in Washington DC, at 7:00AM on September 17, 2016, coverage for Baggage Delay benefits ended*** *** and family arrived at their one-way trip scheduled destination, and are claiming costs for clothing purchased after coverage under their plan had endedTherefore, we must reaffirm our original decision that no benefits are payable 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, ??? ?????*** *** SrTechnical Claims Specialist

CSA Travel Protection and Insurance Services is the administrator of the travel protection planthat was selectedWe are in receipt of your email dated February 05, 2015, with additionalinformation provided by Mr***.Mr*** is upset that his Baggage Delay claim is not being honoredAs stated in our letter toyou on February 05, 2015, the underwriter has approved the claimThe file is being reopenedfor processing.If you have any further 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 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.
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 9/27/16, notifying us of the complaint filed by *** *** **.*** *** *** booked an airline ticket from
Buffalo, New York to London, scheduled to depart on 8/29/The travel insurance plan was purchased on 8/17/At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to himThe trip was canceled on 8/29/16, because Mr*** did not have possession of the passport and visa necessary to take this trip.The policy only provides benefits for a trip cancellation that results from one of the specific Covered Events listed in the planThe failure to have the proper travel documents is not one of the plan's Covered EventsTherefore, we must reaffirm our original decision that no benefits are payable for this claim.If you have any questions, please feel free to contact us at *** ***2, by email at *** or by FAX at *** ***Please ensure the claim number is included with your response.Sincerely, *** *** SrTechnical Claims Spécialistc: *** ** ** *** *** / 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 received your email dated September 13, 2017, notifying us of the complaint filed by Mr***.On April 26, 2017, Mr***
purchased airline tickets to travel to London with scheduled travel dates of September 11, to September 23, The travel insurance plan was purchased on July 15, 2017, with coverage for Trip Cancellation commencing on July 16, At that time a Policy Confirmation Letter and Description of Coverage, outlining the plan's coverage and coverage restrictions, were emailed to him at the address provided of ***.comThe trip was canceled on August 08, 2017, due to Mr*** starting a new job and being unable to leave the States.The policy provides Trip Cancellation benefits only for the Covered Events listed in the planThe policy states, "Benefits will be paid, up to the amount in the Schedule, for the forfeited, prepaid, non-refundable, non-refunded and unused published Payments that you paid for your Trip, if you are prevented from taking your Trip due to one of the following unforeseeable Covered Events that occur before departure on your Trip to you or your Traveling Companion, while your coverage is in effect under this Policy."There are sixteen listed Covered Events that would allow payment of Trip Cancellation benefitsThe reason that Mr*** canceled his trip is not one of the plan's Covered Events that would allow payment of benefitsTherefore, We must reaffirm our decision that no benefits are payable 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

Hi ***There is no signed contractMs*** called our office and took out the policy over the phone on 11/14/The attached Policy Confirmation Letter and Description of Coverage were emailed to her at that time.*** ***Senior Technical SpecialistPhone (800) 541-Ext####Fax (877) 300-8670Email [email protected]