Comments on: CSA Travel Insurance http://www.travelinsurancereview.net Mon, 21 May 2012 05:59:27 +0000 hourly 1 http://wordpress.org/?v=3.3.2 By: Lisa http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-87601 Lisa Tue, 01 May 2012 18:04:03 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-87601 I'm afraid I have to agree that CSA completely misrepresents their policy details. I purchased the Custom Luxe insurance plan for a trip last fall. Because the coverage limit was very high for trip interruption ($7650) and very low for trip delay ($150), I called a number of times to quiz the CSA representatives about the difference, and when a delay becomes an interruption, before purchasing the coverage. I finally received a clear answer that when a flight is cancelled, that constitutes an interruption. So the higher limits apply, right? No. Even though CSA agreed that I experienced a trip interruption from my cancelled flight, they still applied the trip delay limit of $150 per day to my expenses. Despite the fact that I experienced an overnight interruption in a foreign country, in a city that has only one hotel where rooms were $350 per night (because they can! They know the airport is closed, all flights are cancelled, and there's no way to leave, as there are no roads out), CSA's reply was essentially, "that's how we pay." So with an expensive hotel, meals, and transportation, all legitimate, covered expenses, I was reimbursed only the $150 trip delay maximum for my $550 in expenses. There is nothing in the policy that states that one incident can be subject to two different limits, and they could not quote anything that allows them to refuse to pay. They agreed with all the proven expenses, they just wouldn't pay for them. I'd never use them again, and I'd warn anyone else away. I thought the policy was deliberately misleading the way it was written. I experienced only one incident; it was a trip interruption as defined by the policy; CSA inexplicably and indefensibly used trip delay limits to refuse much of my claim. Period. I’m afraid I have to agree that CSA completely misrepresents their policy details. I purchased the Custom Luxe insurance plan for a trip last fall. Because the coverage limit was very high for trip interruption ($7650) and very low for trip delay ($150), I called a number of times to quiz the CSA representatives about the difference, and when a delay becomes an interruption, before purchasing the coverage. I finally received a clear answer that when a flight is cancelled, that constitutes an interruption. So the higher limits apply, right? No. Even though CSA agreed that I experienced a trip interruption from my cancelled flight, they still applied the trip delay limit of $150 per day to my expenses. Despite the fact that I experienced an overnight interruption in a foreign country, in a city that has only one hotel where rooms were $350 per night (because they can! They know the airport is closed, all flights are cancelled, and there’s no way to leave, as there are no roads out), CSA’s reply was essentially, “that’s how we pay.” So with an expensive hotel, meals, and transportation, all legitimate, covered expenses, I was reimbursed only the $150 trip delay maximum for my $550 in expenses. There is nothing in the policy that states that one incident can be subject to two different limits, and they could not quote anything that allows them to refuse to pay. They agreed with all the proven expenses, they just wouldn’t pay for them. I’d never use them again, and I’d warn anyone else away. I thought the policy was deliberately misleading the way it was written. I experienced only one incident; it was a trip interruption as defined by the policy; CSA inexplicably and indefensibly used trip delay limits to refuse much of my claim. Period.

]]> By: Mark http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-84153 Mark Sun, 22 Apr 2012 00:46:57 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-84153 You left the word airfare out of only trip interupption coverage, in the middle of a 29 page policy. I was injured on day 3 of a 6 week trip and all I wanted was to be reimbursed the cost cost of replacing the trip, minus the used airfare and hotels. You misrepresent that to reimburse for unused airfare (18 tickets) would "enrich" us, even though we used 1 as this happened at our 1st stop and we had to just turn around and go home. And it still cost us $1,000pp to get back to where the trip was interrupted. All we wanted was sufficient reimbursement to replace the trip, minus the portion we used. Isn't that what travel insurance is for, to make you whole? I would also point out that the lack of coverage for unused airfare is an abberation in your industry, it is something your competetors do cover, and had we known it was not covered we could have pursued other options, but I admit it, I missed the omission of the word airfare, in one line in the middle of a 29 page policy, so guess it's my fault for not having a law degree!! Justify it anyway you like, you still ripped me off! You left the word airfare out of only trip interupption coverage, in the middle of a 29 page policy. I was injured on day 3 of a 6 week trip and all I wanted was to be reimbursed the cost cost of replacing the trip, minus the used airfare and hotels. You misrepresent that to reimburse for unused airfare (18 tickets) would “enrich” us, even though we used 1 as this happened at our 1st stop and we had to just turn around and go home. And it still cost us $1,000pp to get back to where the trip was interrupted. All we wanted was sufficient reimbursement to replace the trip, minus the portion we used. Isn’t that what travel insurance is for, to make you whole? I would also point out that the lack of coverage for unused airfare is an abberation in your industry, it is something your competetors do cover, and had we known it was not covered we could have pursued other options, but I admit it, I missed the omission of the word airfare, in one line in the middle of a 29 page policy, so guess it’s my fault for not having a law degree!! Justify it anyway you like, you still ripped me off!

]]> By: Jennifer Wilbur http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-82956 Jennifer Wilbur Tue, 17 Apr 2012 16:59:27 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-82956 Mark, we're very sorry to hear about the circumstances of your trip and that you are unhappy with CSA's response. Medical treatment and emergency evacuations outside of the US are complex activities, even in the most favorable conditions. While we don't know the specifics of your claim based on this report here, many of our travel insurance plans offer to reimburse for additional costs associated with an unexpected return home due to an accident. Since the policy covers the cost of the trip home, also reimbursing a traveler for unused airfare would enrich versus prevent additional expenses, which is how insurance is designed to help policyholders. We proudly stand behind our products and services, hold an A+ rating from the Better Business Bureau and pride ourselves on providing the best possible service and coverage we can for our customers. For any questions about CSA and its policies, please contact us at (877) 243-4135 or csa@csatravelprotection.com. Mark, we’re very sorry to hear about the circumstances of your trip and that you are unhappy with CSA’s response. Medical treatment and emergency evacuations outside of the US are complex activities, even in the most favorable conditions.

While we don’t know the specifics of your claim based on this report here, many of our travel insurance plans offer to reimburse for additional costs associated with an unexpected return home due to an accident. Since the policy covers the cost of the trip home, also reimbursing a traveler for unused airfare would enrich versus prevent additional expenses, which is how insurance is designed to help policyholders.

We proudly stand behind our products and services, hold an A+ rating from the Better Business Bureau and pride ourselves on providing the best possible service and coverage we can for our customers. For any questions about CSA and its policies, please contact us at (877) 243-4135 or csa@csatravelprotection.com.

]]> By: Brian http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-82610 Brian Mon, 16 Apr 2012 15:43:37 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-82610 I don't think that the response to you mark came from a CSA employee. That person says they are a past customer, so I wouldn't say "your company" Sorry to hear of your situation. I don’t think that the response to you mark came from a CSA employee. That person says they are a past customer, so I wouldn’t say “your company”

Sorry to hear of your situation.

]]> By: Mark http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-82112 Mark Sun, 15 Apr 2012 01:45:23 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-82112 Me think thou protest to much!! Is it customary for you to attack and demean those who crticize your company. I was in Singapore, one of themost stable countries in Asia, and who has MUCH better medical care than the US, but they do require guarantee of payment to treat non-residents. I SHOULD BE GREATEFUL I WAS PROVIDED WITH MEDICAL CARE I BOUGHT INSURANCE FROM YOU COMPANY TO PROVIDE?? YOU SUMED UP THE PROBLEM PEOPLE HAVE WITH YOUR ATTITUDE!! Bought a policy and should be greatful I was able to finally get you to to provide the medical care and evacuation you policy provided for? The policy guaranteed no out of pocket costs for emergency medical care, but gettng them to arrange that was a "problem". A medical evacuation should not take 2 days, there were flights available, they just could not get it together. I bought insurance to "make me whole", which it did not. The amount they spent getting me home was far less then the cost of our unused, non-refundable airfare (10 more flights). Your post is indicative of exactly what the proble with your company is, attack those who criticize your claims handling process, try to portray them as ignorant and stupid, but guess that's the only way you can try to argue, to TRY TO DRAG THEM DOWN TO YOUR LEVEL. BTW, our insurance commissioner is evaluating what they are going to require for disclosures as they agree that the manner the policy was written may in fact be misleading, exclusion by omission. Me think thou protest to much!! Is it customary for you to attack and demean those who crticize your company. I was in Singapore, one of themost stable countries in Asia, and who has MUCH better medical care than the US, but they do require guarantee of payment to treat non-residents. I SHOULD BE GREATEFUL I WAS PROVIDED WITH MEDICAL CARE I BOUGHT INSURANCE FROM YOU COMPANY TO PROVIDE?? YOU SUMED UP THE PROBLEM PEOPLE HAVE WITH YOUR ATTITUDE!! Bought a policy and should be greatful I was able to finally get you to to provide the medical care and evacuation you policy provided for? The policy guaranteed no out of pocket costs for emergency medical care, but gettng them to arrange that was a “problem”. A medical evacuation should not take 2 days, there were flights available, they just could not get it together. I bought insurance to “make me whole”, which it did not. The amount they spent getting me home was far less then the cost of our unused, non-refundable airfare (10 more flights). Your post is indicative of exactly what the proble with your company is, attack those who criticize your claims handling process, try to portray them as ignorant and stupid, but guess that’s the only way you can try to argue, to TRY TO DRAG THEM DOWN TO YOUR LEVEL. BTW, our insurance commissioner is evaluating what they are going to require for disclosures as they agree that the manner the policy was written may in fact be misleading, exclusion by omission.

]]> By: Hilarious Complaint http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-81603 Hilarious Complaint Fri, 13 Apr 2012 17:46:37 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-81603 and what purpose did your post serve? pot calling the kettle black! and what purpose did your post serve? pot calling the kettle black!

]]> By: Hilarious Complaint http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-81602 Hilarious Complaint Fri, 13 Apr 2012 17:40:28 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-81602 I think you need to put your situation a bit in perspective. Would you still be alive in a third world company if you didn't have insurance? It might not have been as fast as you have prefered, but lets be honest, we are talking about a country that has a ton if political issues, ton of medical issues, and you are upset that you didn't receive faster treatment? Thats like complaining that the homeless shelter didn't have serve your food fast enough. Be thankful you are alive and were taken care of at all. I am a past customer and understand the trip interruption field far better than you. the interruption does not pay for unused air because it pays for the additional air. insurance is not about making money or getting rich, its about making you whole. if your return flight home is valued at $500 but they purchase you a same day flight home for $750, they are not going to re-imburse you for 500 when they just paid $750 to return home. Additionally, every insurance company will not guarntee payment until they have an opportunity to personally assess the damage... hence the reason auto insurance companies send a person out to look at the vehicle. People like you annoy me beyond belief. Are you also upset that your Automotive insurance didn't cover your oil change? or that your home owners insurance didn't pay for the pool that you wanted to add? Read your policy... know your policy.. Travel insurance is not a, "Hey, something i didn't like happened so I deserve $$ for it... its insurance, not a money any time you want just the way you want.." but judgin by your post, you probably have a hard time reading ALL 29 pages.. my god, who do they think they are? 29 pages?? must of been too much for you. I think you need to put your situation a bit in perspective. Would you still be alive in a third world company if you didn’t have insurance? It might not have been as fast as you have prefered, but lets be honest, we are talking about a country that has a ton if political issues, ton of medical issues, and you are upset that you didn’t receive faster treatment? Thats like complaining that the homeless shelter didn’t have serve your food fast enough. Be thankful you are alive and were taken care of at all.

I am a past customer and understand the trip interruption field far better than you. the interruption does not pay for unused air because it pays for the additional air. insurance is not about making money or getting rich, its about making you whole. if your return flight home is valued at $500 but they purchase you a same day flight home for $750, they are not going to re-imburse you for 500 when they just paid $750 to return home.

Additionally, every insurance company will not guarntee payment until they have an opportunity to personally assess the damage… hence the reason auto insurance companies send a person out to look at the vehicle.

People like you annoy me beyond belief. Are you also upset that your Automotive insurance didn’t cover your oil change? or that your home owners insurance didn’t pay for the pool that you wanted to add?

Read your policy… know your policy.. Travel insurance is not a, “Hey, something i didn’t like happened so I deserve $$ for it… its insurance, not a money any time you want just the way you want..” but judgin by your post, you probably have a hard time reading ALL 29 pages.. my god, who do they think they are? 29 pages?? must of been too much for you.

]]> By: Mark http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-81309 Mark Thu, 12 Apr 2012 21:53:24 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-81309 Liars and thieves!! Purchased coverage for an around the world "trip of a lifetime" for 3 of us. Was injured on the third day and required emergency evacuation home from SE Asia. Thier international call collect number was blocked from recieving collect calls. They jerked us around about arranging to be seen at and payment for ER care in Asia so they would treat me (you must prove and get approval from insurance company or pay cash to be seen in the ER there), then took 2 days to arrange the medical evacuation. Then refused to pay for all non-refundable airfare ($5,000) as they had ommitted the one word, "airfare" under trip interuption benefits (very unusual in the industry) on page 13, Section F, 1st para, 4th line, of a 29 page policy! They even refused to reimburse us for the 2 days of hotel costs while they dragged thier feet arranging for the evacuation. Every time we t/t them they were totally non-committal and told us to incur the expense and pay for it, submit it when we got home and they would then decide if they would cover it, but never agreed anything was covered. Have bought travel insurance several times from other carriers, had a couple of claims, and did not experiance the BS as with these guys. Vote with your pocketbook and take your business elsewhere. It is clear they burn those with claims as it is the very rare case the claim is enoough to make it worth suing, and they count on that. Wish someone would organize a class action suit, I would be pleased to be a plaintiff! Liars and thieves!! Purchased coverage for an around the world “trip of a lifetime” for 3 of us. Was injured on the third day and required emergency evacuation home from SE Asia. Thier international call collect number was blocked from recieving collect calls. They jerked us around about arranging to be seen at and payment for ER care in Asia so they would treat me (you must prove and get approval from insurance company or pay cash to be seen in the ER there), then took 2 days to arrange the medical evacuation. Then refused to pay for all non-refundable airfare ($5,000) as they had ommitted the one word, “airfare” under trip interuption benefits (very unusual in the industry) on page 13, Section F, 1st para, 4th line, of a 29 page policy! They even refused to reimburse us for the 2 days of hotel costs while they dragged thier feet arranging for the evacuation. Every time we t/t them they were totally non-committal and told us to incur the expense and pay for it, submit it when we got home and they would then decide if they would cover it, but never agreed anything was covered. Have bought travel insurance several times from other carriers, had a couple of claims, and did not experiance the BS as with these guys. Vote with your pocketbook and take your business elsewhere. It is clear they burn those with claims as it is the very rare case the claim is enoough to make it worth suing, and they count on that. Wish someone would organize a class action suit, I would be pleased to be a plaintiff!

]]> By: Susan http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-76811 Susan Tue, 27 Mar 2012 18:29:43 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-76811 What a condescending tone your post took. It didn't provide any kind of review nor help. All you did was sound obnoxious. What a condescending tone your post took. It didn’t provide any kind of review nor help. All you did was sound obnoxious.

]]> By: Bron Rayburn http://www.travelinsurancereview.net/csa-travel-protection/comment-page-3/#comment-76117 Bron Rayburn Sat, 24 Mar 2012 19:24:31 +0000 http://www.travelinsurancereview.net/?page_id=262#comment-76117 CSA treated me GREAT unlike TRAVEL GUARD I would stay away from TRAVEL GUARD 100% of the time. CSA treated me GREAT unlike TRAVEL GUARD I would stay away from TRAVEL GUARD 100% of the time.

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