Comments on: CSA Travel Insurance

By: dee b

dee b — Wed, 01 Feb 2012 05:49:33 +0000

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.

By: Jeff619

Jeff619 — Tue, 31 Jan 2012 18:00:36 +0000

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.

By: Bernie Bellan

Bernie Bellan — Sat, 21 Jan 2012 03:48:52 +0000

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!

By: Cory

Cory — Thu, 05 Jan 2012 16:05:19 +0000

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?

By: Kyle

Kyle — Fri, 16 Dec 2011 20:05:08 +0000

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.

By: Linda

Linda — Wed, 16 Nov 2011 03:03:34 +0000

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!!!

By: Brian

Brian — Tue, 08 Nov 2011 00:29:25 +0000

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.

By: frank

frank — Thu, 20 Oct 2011 03:17:37 +0000

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.

By: G. Armstrong

G. Armstrong — Thu, 13 Oct 2011 20:57:10 +0000

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.

By: katie s

katie s — Sat, 01 Oct 2011 18:26:23 +0000

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.