CSA Travel Protection

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John Cook  
 
5.3 (46)
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CSA

CSA Travel Protection offers competitive vacation insurance, cruise insurance, trip cancellation insurance, and medical travel insurance policies.

Their products are competitively priced and they offer some very comprehensive trip cancellation and interruption coverages.  They are one of the few companies that use more factors than just your age and cost of trip to calculate your premium.  Things such as destination, trip type and elapse of time between buying the insurance and when you depart all factor into the premium.  As a result small changes to their plans may result in a change of premium.
 
CSA most popular policies are their Custom and Custom Luxe plans.  Although it does not offer a pre-existing medical conditions waiver, the Custom plan is one of the best entry level plans available while the Custom Luxe plan is one of the best high end plans that offers a "waiver of pre-existing medical conditions" if the plan is purchased on or before the final planned payment date.

CSA is located in San Diego, CA and was established in 1991.  In 2008 they were purchased by Europ Assistance Group, a worldwide assistance services company owned by Generali Group of Italy, a Global 500 entity.

Located at:  4181 Ruffin Road, Suite 150
                  San Diego, CA 92123

Reliability:  A+ BBB rating for CSA

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46 reviews

 
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Overall rating 
 
5.3
 
5.7  (46)
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Ratings (the higher the better)
Customer Service
How was you experience at buying the policy?
Ease of understanding coverage
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Ease of submitting a claim
How easy was it to submit a claim including completing any claim forms?
Timeliness of claim payment
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Comments
Overall rating 
 
1.8
Customer Service 
 
2.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
3.0
Timeliness of claim payment 
 
1.0

Worst Experience

I am sorry to say this, but i got the worst experience with CSA. I need to keep following up with the team for status update. they keep on asking the same documents again and again even though it was shared before.It took them 2 months time for a final decision. Finally, claim was denied saying flight was cancelled due to unavailability of crew member, but as a customer i took insurance to cover my trip from any kind of unprecedented trip cancellation.
I just couldn't understand how it matter to travelers why flight is cancelled. Once flight is cancelled , the trip is spoiled and all invested money in the trip is gone and that is only reason why we took insurance. If insurance company can't cover all type of flight cancellation , then why to take it.

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Overall rating 
 
5.3
Customer Service 
 
8.0
Ease of understanding coverage 
 
3.0
Ease of submitting a claim 
 
9.0
Timeliness of claim payment 
 
1.0

Rip Off

My daughter and I were going on a cruise for her 12th grade graduation. Unfortuately my fiance was involved in an accident where an object flew through the windshield of the car. He became permenately blind in his right eye. There was no way that we could leave him home alone to take care of himself; therefore I cancelled the trip (for you must cancel the trip before you can file a claim, then sent the required documentation to CSA certified mail. After about two weeks I called back just to see the status.
I spoke to a lovely representative and she informed me of my agent. I left a message and about an hour letter I received an email detailing that Lev (something) was my advisor and that she had just received the file and needed time to review it. Anyway, another two weeks or so went by and Lev finally emailed me telling me that my claim was denied because the person who was injured was my fiance and not a list of family members who were considered family. She provided a list of people like son in law, husband, daughter, mom, father etc. I even sent them a copy of all of our license detailing we lived at the same address. The second guideline stated something about if the person who was injured was not going on the trip, then I would not be refunded and the final guideline was the condition had to be a debilitating illness or situation that required that the people traveling could not go. Therefore even if my fiance was traveling, his blindness in one eye would not be considered a reason why he should not be permitted to travel. CSA operates just as insurance companies do. They write a zillion guidelines and hope and pray that they are able to find loop holes so that they do not have to refund you your money. I would never purchase the insurance again. I am just not into throwing my money away. $1,800 just gone! I was already devastated by my fiancé accident, then they say that they are denying my claim.

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Overall rating 
 
7.5
Customer Service 
 
8.0
Ease of understanding coverage 
 
8.0
Ease of submitting a claim 
 
7.0
Timeliness of claim payment 
 
7.0

Worked well

Used CSA for a number of trips out of the country. Had to cancel once and had some medical issues on two other trips. No problems with service or reimbursement.

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Overall rating 
 
2.3
Customer Service 
 
3.0
Ease of understanding coverage 
 
3.0
Ease of submitting a claim 
 
2.0
Timeliness of claim payment 
 
1.0

Fine coverage -- as long as you don't actually make a claim

Very disappointing. Purchased CSA travel Insurance. Then, before trip, our doctor said that medical condition mandated that my granddaughter should not now travel. CSA were polite but simply refused to cover our claim, explaining that the fine print indicated that this condition was not covered. So, doctor said we couldn't go and CSA said tough luck. So, I feel ripped off by insurance that sounds fine, as long as you don't make a claim.

Was this review helpful to you? 
Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
1.0
Timeliness of claim payment 
 
1.0

Pathetic situation of a traveler trapped – Doesn’t make sense to buy their travel policy. NEVER BUY.

CSA Travel Claim – Pathetic situation of a traveler trapped – Doesn’t make sense to buy their travel policy. NEVER BUY.
Until now I have not escalated and reviewed any product in social media/public websites, but situation pushed me to do so. So that someone else will be benefited not BUY CSA Travel Policy.

I bought CSA travel protection when I was travelling from California to Maryland(IDA) on Sep 16th 2016 with my four-member family, the travel protection which I bought includes
? Baggage Delay - DON’T BUY IT for one-way TRIP. THEY WILL TRAP YOU.
? Baggage Coverage – VERY MINIMAL AMOUNT THEY WILL GIVE YOU FOR CLAIM
? Travel Delay
Unfortunately, the flight which we travelled delayed 2hrs and also we lost all the language bags (4), we spent 2-3hours in airport for find the bags and the airline company confirmed that the baggage is lost and they are not able to track it. They informed me that they will contact me when the bags found and send to the hotel address given. I did not receive the bags for 2 days where I was living in hotel, since we did not have any extra pair of dress, we end up in buying the immediate items mainly dress. When I bought the CSA protection plan, it was clear in the policy that they will cover any expense due to the delay such as buying immediate personnel items. I have submitted the bill for very limited items which I bought which is less than $200. They have denied the claim with reason that the Baggage delay is cover only till we reach the final destination, as I booked one-way ticket and moved to this city new, I did not have anything here in Maryland and ended up buying stuff. But their policy say that it cancels when you touch land. Funny yeah!! I followed up with the CSA 20 more times by email or calling, meanwhile the claim contact person has resigned from CSA and NOBODY was responding to my email or CALL. Finally, I called up their customer care number and requested to speak with manager, after couple of days CSA manager contacted me and said that my claim cannot be processed because I bought Baggage Delay protection which will end WHEN I GET OUT OF PLANE??? WHAT DOES IT MAKE SENSE? should I stay in the plain till the claim submit????????? WHAT IS THE USE OF THIS POLICY IF I TRAVLLED ONLY ONE-WAY???? IT IS UTTER WASTE with their condition. I requested multiple time and the manager responded with rude manger that it is not possible to process my claim. He said if you want to take it further action with anybody. you can go ahead. I do not have any way to spend money on hiring a lawyer. However, I want to make sure CSA should know their floppy system and nobody should have trapped.
My dear fellow future travelers, request you to avoid this guys unless they change their policy or you do not have any other options.

END
Below are the policy clause and money which I spend.
The policy purchased provides Baggage Delay coverage and states it "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 24 hours or more during your Trip. We 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 you. We will also reimburse you for the cost to launder your clothing during the time your Baggage is delayed". However, the policy also states "This 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". Unfortunately, as your flight was a one-way flight, Washington is considered your return destination, there were no actual out-of-pocket expenses, and there are no provisions in the policy offering benefits for the value of the items you were unable to use during the delay. As such, there are also no benefits payable for this portion of the claim.

Insured(s): Name here…
Policy Number: 16245W….
Product Code: G-AIRD01
Enrollment Date: Sep 01, 2016
Trip Departure Date: Sep 16, 2016
Trip Return Date: Sep 17, 2016
Trip Cancellation Effective Date: Sep 02, 2016
Trip Cancellation Expiration Date: Sep 16, 2016
All other Coverages & Services Effective Date: Sep 16, 2016
All other Coverages & Services Expiration Date: Sep 17, 2016
Beneficiary:

Services Provided:
Emergency Assistance Services
Concierge Services

Insurance Coverages Provided Maximum Limit Per Person Maximum Limit Per Plan
Trip Cancellation $694.00 $694.00
Trip Interruption $1,042.00 $1,042.00
Travel Delay ($100 maximum per day, per person) $500.00 $2,000.00
Baggage Coverage $500.00 $2,000.00
Baggage Delay Coverage $200.00 $800.00
Accidental Death and Dismemberment - Air Flight Accident $25,000.00 $50,000.00



Was this review helpful to you? 
Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
N/A
Timeliness of claim payment 
 
N/A

CSA is a FRAUD/SCAM

I made the mistake of buying CSA travel insurance for many of my trips over the years, until this last one that I had to cancel due to emergency hospitalization, and my claim was denied. CSA only collects premiums but will not pay your claim, BEWARE!!! Don't go by these A+ ratings. Maybe A+ for scamming consumers! They don't deserve a "1" rating either but that's the lowest available.
I'm filing a complaint with Better Business Bureau, Court of Claims, etc... and will go all the way to run these crooks out of business, not because of the amount of $ involved, but because I want to stop them from scamming others.
Joey Ramelli in CSA Claims department is rude, and his manager never returned my call. They are in it together, and should rot in jail.

Was this review helpful to you? 
Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
1.0
Timeliness of claim payment 
 
1.0

Horrible insurance

Rented a home in Florida for a family vacation through Southern Rentals and purchased the insurance. Four weeks after renting we found out our daughter was pregnant and was informed by her doctor not to travel to this area for fear of the Zyka virus. After contacting CSA we were told our claim was denied because they do not consider the Zyka virus a reason for cancellation. They would rather we go on vacation and take the chance. I would never recommend CSA and would warn everyone to check the insurance carrier before making any rentals. I guess CSA would rather see babies become infected before paying out a claim.

Editor's Note: Trip cancellation coverage only covers those specific perils listed in the policy unless you purchase a plan that also has "cancel for any reason" coverage. Fear of getting a disease is not currently covered in any trip cancellation plan that is available in the USA.

Was this review helpful to you? 
Overall rating 
 
10.0
Customer Service 
 
10.0
Ease of understanding coverage 
 
10.0
Ease of submitting a claim 
 
10.0
Timeliness of claim payment 
 
10.0

Good customer service

We purchase travel insurance for cruises. We had to cancel a cruise and rebook. CSA allowed us to keep the insurance for the new trip for an additional fee which we did. We have used CSA many times. We had one small claim for an MD visit which they paid the difference after our insurance paid. The rep was very nice and made everything easy for us.

Was this review helpful to you? 
Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
1.0
Timeliness of claim payment 
 
1.0

Liars fraud and fakes

Terrible company that won't pay claim because if you have had pneumonia before and then get stage 4 cancer then the pneumonia is allegedly a pre existing condition to the stage 4 cancer. Even though the cancer wasn't diagnosed until weeks later

Was this review helpful to you? 
Overall rating 
 
10.0
Customer Service 
 
10.0
Ease of understanding coverage 
 
10.0
Ease of submitting a claim 
 
N/A
Timeliness of claim payment 
 
N/A

CSA Travel Protection

Needed coverage for a cruise and bought it on line. With the click of a button we were covered. We did not need to make any claims.

Was this review helpful to you? 
Overall rating 
 
10.0
Customer Service 
 
10.0
Ease of understanding coverage 
 
10.0
Ease of submitting a claim 
 
N/A
Timeliness of claim payment 
 
N/A

CSA Travel

Although I didn't need to file a claim, I found that CSA travel insurance to be more comprehensive with better coverage for my needs.

Was this review helpful to you? 
Overall rating 
 
8.0
Customer Service 
 
10.0
Ease of understanding coverage 
 
9.0
Ease of submitting a claim 
 
10.0
Timeliness of claim payment 
 
3.0

Medical Claim

My wife twisted/broke her ankle on the 29 Oct. 2014, in Monemvasia, Greece. The ship's doctor wrapped her ankle, provided crutches and suggested we xray the ankle in Athens. We skipped the xray and continued our trip. After returning to the US, we consulted a doctor who performed surgery on the 11 Nov.. A claim was submitted to CSA by email on 17 Nov. along with the name of our primary insurance carrier for coordination of benefits. We were unaware CSA does not honor assignment of benefits to third parties but only reimburses the insured for paid expenses. Expenses were submitted CSA for reimbursement over the next five months but no partial payments were forthcoming. I talked to/emailed the claims rep. on multiple occassions who said the delay in reimbursement was due to coordination of benefits with my primary insurance carrier. I copied all of the records of my primary carriers payments and sent them to rep but still no payment. Finally, after being told the check was in the mail on two occassions, I contacted the manager of claims on the 21 July, explained the problem with the claims rep. I received a check a few days later for all expenses incurred. I am not sure what the problem was with the claims rep. but CSA paid are claim in full. I would buy insurance from them again.

Was this review helpful to you? 
Overall rating 
 
9.5
Customer Service 
 
10.0
Ease of understanding coverage 
 
8.0
Ease of submitting a claim 
 
10.0
Timeliness of claim payment 
 
10.0

CSA Travel Protection Review

While traveling in Russia, my wife stumbled on a cobblestone and injured her ankle. We could not have asked for more in the way of response by CSA. We made an appointment at the American Clinic in St. Petersburg. The insurance company contacted the clinic in advance and posted a payment voucher that covered all of the costs of the clinic visit and the necessary wheelchair. After reviewing the clinic's medical report CSA arranged for my wife to upgraded to business class for her return trip to the U.S.A. They also arranged limousine service to provide transportation from the airport to our hotel upon return. This support was freely offered without our having to ask. Overall, CSA's performance was superb.

Was this review helpful to you? 
(Updated: September 02, 2015)
Overall rating 
 
2.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
4.0
Timeliness of claim payment 
 
N/A

Canceled trip wasn't covered with Trip Cancellation Insurance

CSA is horrible. I purchased trip cancelation insurance for a dive trip we had planned. Right before the trip, all the guys backed out so I called to ensure I would be covered before submitting a claim. I was led to believe I would be covered so I submitted a claim, which was easy but they denied the claim. Horrible company.

Editors Note: Trip cancellation coverage is a "named peril" coverage. Having your travel companions cancel might not be a covered reason unless they have cancelled due to a "named peril".

Was this review helpful to you? 
Overall rating 
 
1.0
Customer Service 
 
1.0
Ease of understanding coverage 
 
1.0
Ease of submitting a claim 
 
N/A
Timeliness of claim payment 
 
N/A

Misleading Policy stay Away from This Company

I am insured the day before my travel.The online application neither showed the total amount of the charge nor reflected to my credit account immediately.When I saw that they charged more than $400 for my payment on the sixth day of the insurance coverage I called to stop.They refused it although it was written in ten days we can refuse it.The costumer service told me that since I began to trip they couldn't stop it according to their policy.Then why did not they reflect and show the total amount when we finished application. There was a trick and we fell down. Don't use this insurance company which will not show you the total amount immediately when you finish the application.

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