CSA Travel Insurance

Read all 67 reviews for this company

1. Anil | Jan 5, 2009

   CSA Travel Insurance sucks. It is the worst of the companies i have ever dealt with.

2. Mary | Feb 2, 2009

   I submitted a claim due to our ship being delayed due to mechanical problems. CSA ONLY paid for our hotel night and food. My claim for the extra fees to re-book a flight was denied. They said this fell under Trip Delay not Trip Interruption and I was denied the reimbursement of $300. Be very cautious using this company. I do not recommend this company.

3. Brenda Wright | Feb 25, 2009

   You cannot collect from this company. They are very, very rude.

4. Brad Kirk | Apr 22, 2009

   After reading the three reviews previously posted about CSA, I would not even consider using them.

5. Joe | Jun 12, 2009

   I took CSA for a trip i made to India in Dec 08. on paper everything looked good, but when i had the incident abroad, i became furious with their service. First of all they didn’t want to deal with my case because i saw a doctor 5 days after the incident had happened – they have a clause that says you must see a doctor within 5 days, but when you get sick, on foreign soil, who counts the days? but there was more. the lady that was handling my claim was very very cold, not rude, but you could tell she wasn’t interested in helping at all!, and found every possible excuse to reject my claim. Since i was dissatisfied with her handling, i decided to speak with a supervisor, but guess how many phone calls it took to finally speak with one (did you say 5? 10? – keep going….), and even after i pleaded my case, i never heard back again, i’ve tried since to follow up, but get rejected every time (I am writing this review on June 09 – half a year later!)
   bottom line is, CSA to me is a scam, their customer service is horrible, and i don’t recommend anyone buying their services.

6. Michael Bard | Aug 28, 2009

   Very poor service and unhelpful claims representatives. Very slow to reimburse and deducted 25% from the reimbursement for destroyed luggage because I didn’t have the original purchase receipt (though the contract didn’t require it). They also tried to get me to pursue a claim against the foreign airline before considering my claim. This too, was not in the insurance contract.
   Be smart, shop elsewhere.

7. RANDY | Oct 12, 2009

   DO NOT PURCHASE INSURANCE FROM THIS COMPANY, THEY WILL DO EVERYTHING POSSIBLE TO NOT PAY CLAIM, I HAVE FILE A CASE AGAINST CSA CLAIM DEPT!

8. Allan Thomson | Oct 13, 2009

   CSA clearly have an agenda to deny legitimate claims. We had a delayed connection/flight that caused us to potentially miss the start of a purchased tour. So we had to buy an alternate flight to ensure we caught the tour on time.

   CSA denied the claim saying that the original flight was not delayed enough hours. Despite no other flight on the same carrier the same day.

   Do NOT go with this company they clearly are sharks. I would never purchase insurance from them again.

9. harry berger | Dec 9, 2009

   this is the worst company and watch out for travel agents that sell them they make good commission on selling this crap . i purchased a flight ticket…a few days before i was to travel
   i tripped landed up with wrist surgery they did not pay as they claimed 6 yrs before i had carpal tunnel surgery and that may have been the cause they are garbage they lie they sold me their best policy which covered pre existing conditions not that this was avoid these liars like the plague. i think they employ retards that only know how to say no save your money save your health go elsewhere

10. harry berger | Dec 9, 2009

    this is the worst company and watch out for travel agents that sell them they make good commission on selling this crap . i purchased a flight ticket…a few days before i was to travel
    i tripped landed up with wrist surgery they did not pay as they claimed 6 yrs before i had carpal tunnel surgery and that may have been the cause they are garbage they lie they sold me their best policy which covered pre existing conditions not that this was avoid these liars like the plague. i think they employ retards that only know how to say no save your money save your health go elsewhere
    i feel cheated once again as i can only leave a single star which is poor they deserve a 5 star minus

11. Ron | Jan 12, 2010

    Company is very devious and will lie to deny a claim.
    Before leaving on a trip to Europe, I purchased a policy from CSA because I was going to several cities with flights in between and a cruise at the end. I read carefully the brochures of many companies and then I spoke with CSA and was assured that I would be covered from “home to home and everything in between.”
    Fortunately, I asked for and brought along a doctors claim form. This was invaluable. When I got sick in Paris, it was very difficult to reach their emergency line but I had the doctors form. We had to return home missing the rest of the trip.
    CSA changed our flights back and reimbursed us for the cruise because I had the doctors form. They denied the our intra european flights.
    After calling again the sales office I was again assured that I would be covered. Both of us recorded the telephone conversation and then I sued them in small claims court. At court, they could not produce their recording but I had mine. I lost the case. As it turns out, the language is more restrictive in the contract than the brochure although they appear identical. The judge said that a written contract superceeds an oral contract.
    Go figure! They can and do say anything until there is a problem

12. Judith | Feb 17, 2010

    Do not buy travel protection from CSA or stonebridge travel protection offered y airtran or other airline it is a scam and will find any reason to deny your claim. I will be reporting them to consumer affairs. There policy state that they cover natural disaster it a lie, because my wife was flying from haiti earthquake and her claim got denied since it was not the airline that change her travel plan. I repeat do not trust this people because the more claimed the denied the higher payout fo employee. So the incentive to help you or approve your claimed would be detrimental to them keeping with the jones.

13. Sunitha | Feb 17, 2010

    Totally useless for travel cancellation.
    The policy excludes all reasons for trip cancellation. SOme provisions for trip cancellation are located under medical reimbursement. Looks sneaky..
    It is not worth purchasing a travel insurance from CSA as a protection against trip cancellation.

    There is no one to attend to phone calls and people are rude.

    Pls do not spend anything with this useless company.

14. Alan Mullen | Mar 29, 2010

    Complete rip off. I took insurance on a cruise and had to cancel due to airlines cancellation and we would not make it in time for cruise to leave. We bought it, the small print doesn’t matter, because when you buy it, you don’t what your heading into. So instead of feeling secure your out mucho dollars. Also they don’t write and tell me they won’t honor it, they call me on the phone with no number or ID. I will never recommend them.

15. N/A | Apr 14, 2010

    I always think it is funny to see these types of reviews about CSA travel insurance, this company does not try to keep from paying out, if anything they pay out more than they should, if people would just read their policies they would understand why their claims aren’t being paid. Take my word for it, when you read insurance, read your policy

16. Jeff | Apr 19, 2010

    We purchased this insurance and was told after we had to cancel our flight that this was not covered. I would strongly urge others not to buy this, as we are exploring legal options. It is companies like this that give the rest of the insurance a bid reputation. They mislead you before the purchase by making you think they are with the airline you are buying the ticket from. Once you agree to buy the insurance, you find out that it is not the airline. We thought we were buying this from Air Tran. I don’t know what other airlines are associated with them, but I intend to avoid those that are as well.

17. Mary Chapa | Apr 21, 2010

    After many trips to Mexico I decided to buy travel insurance for a wedding trip to a small town outside of Puerta Vallarta. I fell and broke my ankle, a compound fracture and needed surgery before I could return home. I liked that I was assigned a case coordinator and that I could talk to a nurse about my options. This was a painful and challenging process, very expensive too as everyone wanted cash or credit cards for payment.

    The only frustrating problem was I was unable to get a wheelchair arranged with transportation to the airport and home even though I was very clear I could not walk at all. Most of my frustration was with my own medical insurance company, their ability to help me process the medical documents never did come out right even though they did not pay any portion of the out of network claims.

    CSA accepted the final denial of my insurance even though the numbers didn’t match and paid my entire claim which was several thousands of dollars. I would recommend them and use them again!

18. dennis ribarich | Jul 10, 2010

    This company is a nightmare to deal with if you need to file a claim, they have a clause for everything.I lost 6000.00 for a Alaska Cruse in 2009,Doctor said wife was unable to travel due to current and past health problems.Save your money on this one.

19. tena | Jul 11, 2010

    just flush the money, thats how good this company is.check bbb in san diago for more info

20. MICHELE | Jul 14, 2010

    Do not buy from them – they do not pay you when payment is due!!! They refund us less then what we paid for the insurance when the Iceland volcano erupted

21. MICHELE | Jul 14, 2010

    Do Not buy from this company – they do not follow throught w/your claims.

22. MICHELE | Jul 14, 2010

    The insurance commisionners should ban this company from selling insurance – Vacations to go should NOT encourage clients from buying from them.

23. Deanne Jordan | Jul 22, 2010

    WOW!! I was going to purchase this..Thanks for all the reviews

24. Heather | Aug 8, 2010

    I was wondering about others experiences and I too had a horrible time getting a claim paid for baggage delay. It was 3 years ago and i was traveling in Africa. The airline did not get my bag to me before I departed on a safari so i paid someone to get my bag for me at the airport and cross over from Zambia to Botswana. I paid him $200 cash and when I filed the claim, CSA wouldn’t pay indicating that was not what their baggage delay was for -it was for me to buy new items. The policy language indicated, “For necessary personal effects” not stating that I had to buy new items. My bag was necessary and personal. I filed a complaint with the CA Insurance Dept. and got my $200 back from CSA, but they did not claim any wrong doing. I’m traveling again and looking at insurance firms and will keep away from CSA again.

25. CAROL KOWALCZYK | Aug 9, 2010

    HELLO
    I’M 67 AND PLANNING ON A TRIP TO ITALY SOON WITH A GROUP. FROM CLEVELAND, OH TO FCO, ITALY FOR 12 DAYS. HOW MUCH WOULD THE INSURANCE COST BE?

    THANK YOU,
    CAROL

26. Marty | Aug 30, 2010

    My Mom was on vacation in England when she fell and broke her hip. They will do whatever they can to avoid paying legitimate claims. CSA SUCKS!

27. Suwan | Sep 18, 2010

    I’ve been trading emails and mails for my trip interruption in May 2010. It’s been 5 months and Jacob Johnson from the claims department has been nothing but a JACKASS in handling my claim. This company steals from the consumers and is nothing but a fraud. Stay away from them. You are better off with using your c/c for travel interruptions.

28. Lance | Oct 16, 2010

    It’s clear from these posts – why bother challenging these folks? My bust, I always get screwed when I buy things based on a naive expectation of mutual fairness. This is just another parasitic organization happy to take something for nothing. (Feed the poor instead!)

29. Jim Valentine | Oct 20, 2010

    Stay away from these people! You have been warned!

30. Beverly | Oct 24, 2010

    My mother and I purchased travel protection from CSA for a cruise to the Greek Isles.

    Our return flights were via Rome, New York, Chicago. Upon landing in New York, we were told that our flight to Chicago had been cancelled due to weather problems, which resulted in an overnight stay in New York.

    I immediately called CSA and spoke with a very helpful service rep. She verified that any expenses incurred would be covered, told me exactly what documents I would need to file a claim, and then assisted me with flight and hotel accommodations.

    Several days later I filed a claim and received reimbursement within three weeks.

    I had a very good experience with CSA and highly recommend them. I would definitely use them again.

31. Mamere | Nov 16, 2010

    WITH ALL THE NEGATIVE COMMENTS LISTED ABOVE, WHY WOULD ANYONE DEAL WITH CSA. IN FACT, I HAVE LOOKED FOR RECOMMENDATIONS FOR OTHER POLICIES AND FIND IT VERY DIFFICULT TO FIND POSITIVE REMARKS FOR ANY TRAVEL INSURANCE PROVIDER. PRETTY SAD. I HAD JUST ABOUT DECIDED ON CSA BUT THAT ISN’T GOING TO HAPPEN NOW. THANKS FOR THE REMARKS.

32. Stephen | Jan 13, 2011

    This company is deceptive and unwilling to pay legitimate claims. STAY AWAY from them….they are bad. I will be doing everything possible to see to it that they either have their license revoked to do busines in the state of Fl or they lose customers.

33. Donald Stratton | Jan 25, 2011

    Sure glad I read these reviews before purchase. Sounds like a nightmare ready to happen. Guess I’ll keep shopping. Thanks for the reviews.

34. girish | Jan 27, 2011

    so which travel insurance should we go, looks like everyone sucks ?

35. Traveler87 | Feb 1, 2011

    These reviews are incredible. People really need to read the policies and what they cover before they purchase them. I bet all of these bad reviews are from people who were too ignorant to look closely at the policies they were purchasing.

    I have used several times and they have been GREAT. I have never had a problem with them ever… it’s probably because I choose the right plan and read what it offers!!

36. Traveler87 | Feb 1, 2011

    Buy from them. They are a great company that is always willing to help and answer questions. Don’t believe these reviews… these people are dumb!

37. SICK AND STRANDED IN DAKAR | Feb 6, 2011

    I have read my policy front to back. I had my Boyfriend who is a paralegal read them and CSA is just plain horrible.

    for the past 6 days I have been without my luggages in Senegal, I have contacted CSA since the first day to report delay…now lost bags which contain my malaria medications and every item of clothing I own. They have done everything they can to place the blame of the lost bags on me, from stating that I called the wrong number to not contacting them soon enough. I mentioned that i was feeling sick and haven’t been able to keep food down. The rep was cold and rude and went on to tell me that even if they had called me back it wouldn’t have worked because Senegal has terrible telecommunications infrastructure. Yes i really needed to know that while going on 5 days without anything to help me feel better.

    if you can afford it, find another coverage. I wish I did.

38. Deanna Henschel | Feb 11, 2011

    My mother and I had to cancel are cruise in Dec 2008 due to my mother being hospitalized and CSA paid us both back promptly.

39. Shankar | Feb 16, 2011

    I am about to travel overseas and comparing insurances.
    I see all the negative comments about CSA and I sympathize with them.
    To be fair, I wanted to register my good experience with CSA and just wanted to balance out a bit.

    I was in Peru during the month of June 2010. Back pack stolen from hotel lobby. Lost my passport, documents etc. Took me about 2 weeks to straighten out passport/documents to get back to US

    I called CSA overseas emergency help. The lady, from the first day, was very responsive and responsible. She called my hotel promptly during the following days to check on my status.
    After I got back to US, I filed the claim and received reimbursement without any problem.
    Four stars because, they interpret “trip interruption/delay/cancellation” differently and some payment is lost. Otherwise they paid most, I recall.

40. Delmar Barker | Mar 3, 2011

    Will not pay. complete waste of your money. You’ve got a better chance of winning the lottery than collecting from this insurance co. CSA insurance is a total fraud. Disappointed that Collings Rentals sells this insurance.

41. Delmar Barker | Mar 5, 2011

    This to correct my previous post. After speaking with CSA agent and further reading of the exclusions I now realize that CSA was correct in denying my claim. Be sure to read all exclusions.

42. Catherine Mueller | Apr 26, 2011

    Stonebridge Travel Protection will NOT cover any expenses incurred should you need to change a flight due to illness. Since that is the basic reason for taking out the insurance and the fact that this company will not cover in the event of illness, I would NEVER waste the extra money for this “protection”! BUYER BEWARE!!

43. Liz Rivera | Apr 29, 2011

    After reading all the negative comments in addition to the complaints filed at the better business bureau i will not use them.

44. Linda Careatti | May 18, 2011

    I always get Travel Insurance hoping I never need to use it. On a 2 week cruise in Feb 2011 this insurance was used. I had a severe asthma attack. Wish people would think before they use so much perfume. One lady with so much perfume on her body made me get so sick and I spent time in Hospital onboard RC cruiseline. I called CSA insurance as soon as I got home. The customer service rep was so helpful. She emailed me forms to fill out. I submitted forms with bills and Doctors notes thinking it will take months until I receive my payment. What a surprise! Within one, (yes 1) week I received a call. from a male reviewer who advised me that he reviewed my claim and my check is in the mail. WOW!! Within another week I received my check! Fantastic company. I am planning another trip and the travel agent uses another Travel Insurance. I advised her no way will I take that insurance, I will purchase insurance through CSA on my own. If you are traveling this is the insurance that pays you right away, so purchase it. Thanks so much for being so fast. Linda

45. Joanna Batchelor | May 21, 2011

    We purchased insurance for c0mbination cruise and land trip including air. This is the first time we had used CSA. I chose them after reading current reviews and looking at pricing for what they offered compared to others I had used previously. My husband had to visit the doctor on the ship. When we got home I called and was told I would be sent the forms to file, or could go on line. When I never recieved the forms I went on line a printed them. I filled them out and made copies of the required documents and mailed them. Three days after they received them we got a call saying the claim had been approved and we would receive it in 7-10 days. It arrived 4 days later for the full amount. I’d rate them a 5 except for never receving the information promised and the need for some information that seemed unnecessary for the claim. But they paid and did it promptly, which is the most improtant factor. We will use them again.

46. Peter | May 24, 2011

    CSA/Stonebridge is a fraud outfit. They will do anything to deny your claims. Do not sign up with them. I suspect some of the positive reviews are paid shills for the company. Avoid them at all cost.

47. Janet | May 31, 2011

    My daugther and her husband got this insurance, then they couldnt take their trip because, now get this “”He was moved up on the Heart Transplant list at Cleveland Hosptial” and the doctor told him not to go out of town in case they called him!!!!!!!!!!!!! This so called company said that wasnt a medical emergency!!!!!!!!!!!!!! If that isnt a joke I dont know what is. I would tell any1 to save their money and not use this company.

48. Alisa | Jun 11, 2011

    Another unhappy customer! My lost baggage items claim had been filed at the end of February, 2011. Today is June 11, 2011 and my claim is still in a process. CSA claims expect their clients to do a job for them, i.e. contact an American Airlines to get a formal status on a lost baggage. This is rediculous for following reasons: a) airlines are not very responsive; b) airlines don’t cover 99.9% of the items and finaly we buy insurance for the purpose of having a peace of mind! When the claim process takes forever and turns into a headache, there obviously something is very wrong with the company. I’ve used CSA for a long time, but this is my first time of dealing with claims. I have huge doubts I’ll buy CSA insurance again.

49. Alisa | Jun 11, 2011

    Just forgot to mention in my review that the stuff is extremely rude! And the company indeed make everything possible to avoid a payment. My claim is not that big, but how long does it take to process it? I can imagine what other people have to go throu with larger claims. Try to avoid purchasing CSA Travel protection if you can.

50. Sergio | Jun 14, 2011

    CSA Travel Insurance is a fraud; it is impossible to collect a legitimate claim. Stay away from them

51. Alexander | Jul 5, 2011

    This is an excellent company. We travel on average 2-3 times a year, and for the last 5 years always bought insurance from CSA. Unfortunately, we had one interrupted trip and one expensive canceled trip, both for medical reasons. In both cases CSA was absolutely perfect and refunded all our losses without any unnecessary hassles within a very short time. Representatives were always competent and friendly. I could not remember any other service company I dealt with lately with this quality of service. Read carefully all the negative reviews – there is something wrong with all these people’s claims. And no, I am not affiliated with CSA Insurance in any way.

52. Catherine Skoby | Sep 10, 2011

    July 2011
    I don’t understand the past comments. I found this company to be wonderful on several levels. While traveling in Peru a friend got very sick and was hospitalized. Representative from this company was a great help and checked to see how things were progressing. To make the trip even more interesting while hiking in the Andes we were caught in a freak blizzard and had to turn back. CSA reimbursed us for the trek plus the extra hotel nights. They were always pleasant and very helpful. This is the only company I will ever use.

53. Extremely Dissatisfied Customer | Sep 14, 2011

    I purchased a CSA vacation insurance policy in conjunction with a Saturday-to-Saturday beachhouse rental in North Carolina’s Outer Banks.

    The rental house is on Hatteras Island. Hurricane Irene washed out NC 12, the road to the island, at the end of August. I understand from speaking with a CSA representative that the trip insurance only covers interruptions in road service within 15 days of the event (the hurricane), so that portion of the policy does not apply.

    There is another way to get to Hatteras, and that is by reserving a trip on a ferry boat from either Swan Quarter or Cedar Island to Ocracoke Island. Unfortunately, all ferries to and from Ocracoke are full during both weekends we would be traveling. I asked the CSA representative about the common carrier portion of the vacation policy. He informed me that although the common carrier definition includes “boats,” in this situation, ferries are considered to be “taxicabs,” and therefore are not covered. He further explained that common carriers provide transportation “from one destination to another” whereas taxis provide “back and forth” service.

    This interpretation does not make sense on many levels. The ferries operated by the North Carolina Department of Transportation are not sightseeing watertaxis. They are equivalent to air, bus, or train service in that they provide transportation from one terminal to another. Taxis, on the other hand, can travel anywhere within a local area. The ferries also require reservations and advance payment like air, bus, or train service. Taxis do not require reservations and are paid after the trip occurs.

    I’m hoping a CSA supervisor will review this situation and make it right. However, based on the other comments here, I doubt it. The representative I spoke with on the phone was not rude but obviously had no interest in helping me. I regret that Hatteras Realty uses CSA to insure guest vacations.

54. Kinnakeet Gracie | Sep 17, 2011

    When I got married in 2005 on the Outer Banks of NC, I had rented several vacation rental homes for my family to stay. My aunt had a stroke 2 days before she was due to arrive in the house, so she and her family did not come. We got ALL of our $ back from CSA (except for the insurance fee, which was less than 7% of the total cost) – very nice and easy to deal with. My aunt’s doctor had to fill out one form, which he did with no problem.
    Nice, easy to deal with company. Would definitely use them again.

55. dennis Jennings | Sep 17, 2011

    Purchased insurance offered by rental company, only to be told you will not pay for our vacation loss due to evacuation advisery in effect and no ferry reservation for day of arrival or departure. Explain your great insurance to the world on face book where you are being verbally destroyed. remember word of Mouth

56. patricia haas | Sep 20, 2011

    Looking for insurance for a Vacations to go cruise in Oct. I’ve bought CSA for other trips , but never had a claim. Thanks for all the info. I’m afraid to use them now.

57. Tammy | Sep 26, 2011

    Recently on a trip in the Turks, (May 2011) my husband became sick and had to be medically evacuated to Fort Lauderdale, FL. It seemed to take a while for the flight, however, CSA, and European handled this and everything we required wonderfully. They were fantastic during his hospital stay and even after discharge allowing him to stay nearby in a hotel until able to travel by plane. They arranged our transportation to the airport, booked our flights out of Lauderdale into Charlotte and had transportation waiting to take us home (60 miles away). I cannot recommend this company enough! They went way beyond the call on our demise and I will be forever grateful for their help and quick reimbursements for everything. THE BEST!!

58. katie s | Oct 1, 2011

    I had purchased travel insurance with CSA because they were recommended by STA travel. I bought the insurance over the phone, they listed all of the benefits, and told me briefly about their cancellation policy. The representative told me that I could cancel up till the day of trip and that I just needed to explain why; for example death in family, illness, work issues, ect.. , no big deal. Well I ended up cancelling trip due to a panic attack. It took over 3 months to wait to be refunded from airlines before I could begin claim process. I had a doctor form filled out explaining my illness. Well, 4 months after I cancelled trip I have received notice from CSA saying unfortunately they are unable to provide benefits for my claim because they do not consider a psychological disorder a medical condition. I really would not recommend this company, they wasted my time, and money.

59. G. Armstrong | Oct 13, 2011

    The company does NOT answer their phone. Horrible company to deal with. Claims are not paid, phone system provides no way to speak to a representative. Paying their premium is like flushing money down the toilet.

    Stay clear.

60. frank | Oct 19, 2011

    my trip was cancelled due to hurricane irene. i had travel protection with csa. i purhased it the day i made my reservation which happened to be the day irene became a hurricane while way out at sea. essentially my policy did not cover irene even though this is explained in NONE of their literature. Furthermore, after Irene had cut off the outer banks i called csa to make sure i was covered before i used the money to travel to another beach. they assured me it was but alas, a month later, i get a letter stating i will get absolutely no refund.

61. Brian | Nov 7, 2011

    Dear Frank (who posted on Oct 19, 2011 ), The same thing happened to us. My attorney has suggested filing a Class Action Suit against CSA and the Realtor who sold us the insurance. I’m sure there are many, many more people out there that has had the same thing happen to them and had their claim denied by CSA. There’s actually even more with our story, but sounds similar to yours. DO NOT BUY FROM CSA. Buy trip insurance from a company you trust.

62. Linda | Nov 15, 2011

    We had a trip to the outer banks scheduled when hurricane Irene hit. This travel insurance company cheated us and many others out of our money. I would not recommend using them. Working now to see if our credit card company will help us. Be very careful when purchasing travel insurance!!!

63. Kyle | Dec 16, 2011

    I had purchased trip insurance through CSA for a vacation rental in Hatteras NC. Hurricane Irene hit and infrastructure on was destroyed. Highway 12 was un-passable and the only way to reach Hatteras was by ferry reservation. The reservations for the ferry filled up almost immediately and by the time I learned that there was a ferry and a reservation on it was required there were no longer any reservations available. CSA has partially denied my claim stating that I could have made it on the ferry and stayed a partial amount of my scheduled vacation days and is only refunding me for the days they claim I could not be there. CSA claims that North Carolina DOT records show that ferry reservations were available but has provided me no prof of such documentation.

    CSA is offering me roughly 30% of my vacation loss. This is unacceptable. I am contacting your department and seeking advice from my attorney.

64. Cory | Jan 5, 2012

    I wish I would have read these comments earlier or I would have never considered buying insurance from this crappy company. Why even buy travel insurance at all if they won’t reimburse you for anything?

65. Bernie Bellan | Jan 20, 2012

    Never, ever deal with this company! I had purchased travel insurance from them because it was offered by my tour company through CSA. When I got sick a few days before my planned trip and had to cancel, I filed a claim with CSA. After 3 months of constant procrastination, my claim was finally denied. The reason: I didn’t get sick on the day the insurance kicked in, I got sick the day before. If you read the fine print in the policy, you’ll see that if you contract an illness one day before your policy begins – even if it’s life threatening and you’re hospitalized, your claim will be denied.
    Of course, insurance companies don’t become wealthy by granting claims.
    This is one company that anyone should avoid using – at all costs!

66. Jeff619 | Jan 31, 2012

    All I can say is, people, read your policy. How many times do you purchase something not knowing what you are purchasing? Do you buy a car without knowing what type of car it is? No. All insurance companies have terms and conditions. If you intentionally burn your house down because you don’t want it anymore, is your home owner’s insurance going to buy you a new one? I don’t think so. Insuance companies take risks in what they do, and therefore have to minimize their losses, which is why they have the terms and conditions.

67. dee b | Feb 1, 2012

    1st i do not know yet if they will cover my medical bill that wasn’t covered by my health insurance.
    i got sick on our trip. i ended up at Dr’s 2 times. before going to DR i tried calling the hot lines CSA provided.
    consult a DR, medical referral = which i was told that i pay for everything and when i return i submit expenses to them to see if they are covered ,
    and i really don’t know what their ” no out of pocket medical expense thing is about ???

    the consult a Dr is a 3rd party thing. the 1st day i called they never heard of CSA , the 2nd day i called they know about CSA but didn’t want my policy number.. after 30 min of answering their personal questions they then asked for credit card = came down to no CC no connect to consult a Dr. = i passed. then i tried medical referral = no referrals … ended up calling my medical provider..

    when i returned home i submitted the bills to my medical insurance. they covered 80%. i then submited the remainder to CSA… seems like i should just submit the report from my medical provider on what they covered and the explanations on what they didn’t ???

    CSA required me to submit the 2 Dr. reports,
    proof that i paid for the Dr’s visits/medication ( copy of the visa slip i signed was not good enough) they wanted copy of check. i sent them copy of my visa bill .
    proof of our age ( including my wife),
    trip itinerary ,
    proof i paid for the trip ( the total amount , no invoices,)proof of payment= i sent them copy visa bill .
    signed medical release for each Dr’s ,
    and copy of what my insurance covered and didn’t cover. they also suggested i include copy of checks i received from my insurance

    i’m waiting to hear from them to see what they cover…
    looking back it wasn’t worth my time i was on the phone trying to speak with them on services they could provide to me whie i was sick..

    bottom line, the numbers & services they say they have while you are on your holiday didn’t provide me any services.
    if they pay or don’t pay my claim i will not be doing any business with CSA in the future.