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CSA Travel Protection

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CSA Travel Protection has provided travel insurance solutions for more than 25 years. Our plans include valuable coverages and assistance services, including a 24/7 emergency hotline and identity theft resolution. CSA Travel Protection plans are designed for individuals and families traveling within the U.S. and abroad. Call or visit our website today and travel with peace of mind on your next trip!

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Last updated: Sept. 28, 2017

31 CSA Travel Protection Consumer Reviews and Complaints

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Verified Reviewer
Original review: Sept. 28, 2017

I was informed by taking travel protection with them I would be covered in case I was unable to fly for any reason. Turned out I had passport issues and my employer changed schedule at the last week prior to flying and when I submitted a claim, they denied it. Basically I was lied to. I should have learned that insurance companies will lie every time and the consumer gets screwed. Never again will I take any kind of flight insurance out and I highly recommend EVERYONE to avoid CSA.

Verified Reviewer
Original review: Sept. 23, 2017

I will never purchase a product from CSA again! My wife and I booked a stay at a Turnkey Colorado site (through VRBO) for six nights and were required to pay in advance, with no cancellation and no refund. Because there were no refunds for cancellation, we were concerned and were referred/encouraged to purchase trip insurance from CSA, as recommended on their website. Two days after booking the reservation and purchasing the insurance, and several weeks before our planned travel, my wife’s mother passed away.

Calls on that day to Turnkey, VRBO and CSA were, at best, not helpful, and at worst, heartless. The response to our first call to Turnkey was that “we are not able to do anything about it. You need to contact CSA - the trip insurance company.” CSA then told us that we needed to talk with the owners. The next call back to Turnkey – they said again that there was nothing they could do about it and that we needed to talk to VRBO. A call to VRBO resulted in no help but a warning to, “make sure you notify Turnkey so that they can put the property back in the rental pool.” So, we called Turnkey back a third time. They were quick to point out their policy of no refunds. We said that we had already knew that but were calling back to notify them so that the property could be put back in the rental pool (as instructed by VRBO). The response was quite abrupt – didn’t take down our name or property information, just thanked us and hung up.

Later, of course, we filed a claim with CSA, and after gathering piles of documentation, and several calls to the claims agent, our claim was denied. When we called to discuss and later wrote to protest, we were told that the claim was denied because we “reasonably could have foreseen the illness”. We could foresee the illness, in fact my wife’s mother has been ill for much of the past several years. What we could not foresee was her sudden turn for the worse and death, which is what caused us to cancel our plans. So, after booking and then two days later cancelling our reservation, we were out not only the nearly $1,900 cost of the stay, but also the premium for the insurance coverage, which turned out to be worthless.

Of course, we understand that insurance policy language is written in a way that often allows the insurance company to deny coverage. And obviously we should have read the fine print of the policy more carefully, but even then, the language seems intentionally obtuse. But the response that we received from all parties, VRBO, Turnkey and CSA, was truly greedy and heartless. No condolences, no asking what they could do to help, just a big money grab all around. The property in question was off the market for a grand total of less than 48 hours. And we are out nearly $2,000, hours of phone calls and related insensitivity. Obviously, we will never use Turnkey, VRBO or CSA again. And others should do so at their own peril.

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    Verified Reviewer Verified Buyer
    Original review: Sept. 19, 2017

    I bought travel insurance from CSA, I placed a claim with them. Airline/Booking company wanted to charge me an additional fee to cancel my flight and issue a refund. I called for information on how to proceed, specifically asking the operator, "How about the additional charge, should I cancel with booking company or have CSA do it." They gave me no direction, once I canceled with the booking company and incurred the extra fees. CSA informed me via a letter that they will not reimburse me for the additional charges. They paid my claim less the $300 cancellation fee, if that was their policy, why wasn't I told when I specifically asked for direction.

    Verified Reviewer Verified Buyer
    Original review: Sept. 15, 2017

    I purchased travel insurance thru this company and I'm very dissatisfied with way this company is handling my claim. I flew into Sofia Bulgaria for 2 weeks and got stuck in Bulgaria airport. My flight which was scheduled and confirmed never showed up. The next day the airlines promised another flight at 5am, and they never showed up, another flight was promised for 8:00 am and that never happened either. They finally came but when I got to my connecting flight it was too late. I had to rebook with a different airline, stay in a hotel, get a shuttle for a different day, all at my expense. I have submitted the claim but I'm still waiting resolution but after reading negative reviews do not feel confident about this travel insurance.

    Verified Reviewer Verified Buyer
    Original review: Sept. 11, 2017

    I have fault in that I didn't read the policy thoroughly before clicking the option of having the insurance, I quickly browse a summarized version of it that said "100% refund on trip cancellations". Unfortunately, with the current storm, Irma, I felt it not safe to travel to Florida, although my trip is still on first week of Oct., so called the travel agency and then got connected with a CSA agent, basically, I could not get a refund. Not even a small percentage, because they don't cover weather damages. I feel like this insurance is not worth it, the agent I talked to, did not even sound concerned, kept saying he will email me the policy to read. READ the policy thoroughly, you might not even really need this insurance.

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    Verified Reviewer
    Original review: Sept. 11, 2017

    I had a bone spur between c6 & c7 that was found in early 2017. I was still functional and working 40+ hours a week, doing anything I wanted to, just in pain. I was not restricted from doing ANYTHING! On 6/14, we purchased a cruise and CSA Travel Insurance. I had a doctor appointment late that afternoon at which time, the doctor recommended surgery, contingent upon insurance approval.

    On June 25, the doctor got the approval from insurance, so on 6/26, I canceled the cruise since my surgery was scheduled for 7/13/17 and our cruise was leaving on 8/17/17. They are refusing to pay based on pre-existing, and the fact that there was no treatment during the time the insurance policy was in effect (6/15/17-6/29/17). I was not told by the doctor to cancel the cruise, but felt that I would not enjoy myself due to having to be so cautious for fear of falling and reversing the effects of the surgery, and the simple fact that I would more than likely be taking pain medication. CSA IS A RIPOFF! Don't waste your money.

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    Verified Reviewer
    Original review: Sept. 7, 2017

    Best decision I ever made while traveling - I recently went to Norway and decided to get travel insurance through CSA. I lost a set of keys to my car back home and had my daughter arrange to replace them. Total cost for keys and FOB was around $380. I also got sick in Norway and had minor medical expenses including ER visit, and medications. Total cost (love the medical costs in Norway) - $88. When I got back, I followed the procedures for filing a claim with CSA and was reimbursed for both. The process of filing a claim is a little tedious but who cares when you get the expenses paid. I assume it is that way with any travel insurance. I think I paid around $70 for the coverage. It was well worth the cost. I highly recommend them.

    Verified Reviewer Verified Buyer
    Original review: Aug. 26, 2017

    I canceled my flight based on my doctor's advice. It took CSA three month to review. They requested for all kind of medical records. They denied payment, based their denial on "pre-existing condition " which I did not agree. If I had know I was was going to get sick, why would take chances to travel for a month. Buying travel insurance from CSA is a rip off and waste of money. I will never RECOMMEND them to anyone. If want to buy travel insurance, please look somewhere else.

    Verified Reviewer Verified Buyer
    Original review: Aug. 24, 2017

    My wife and I purchased trip insurance from CSA for a Holland America cruise that went to various ports including Mumbai, India. We signed up for an excursion to the Taj Mahal as part of the cruise. Unfortunately, I came down with severe stomach problems the day before the excursion and was quarantined in my stateroom for three days until the problems went away. This is standard procedure on a ship and they wrote a letter confirming that I was unable to attend the excursion due to this situation. We submitted this documentation with our claim to CSA and received an email back asking for more information about the medical costs, which we were not trying to recover. I replied to the email with the clarification and never heard back from CSA. We also never received our refund for the excursion. The travel insurance receipt and emails pretty much speak for themselves so I have attached them in a PDF file.

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    Verified Reviewer Verified Buyer
    Original review: Aug. 9, 2017

    I have to cancel my trip this summer, and I purchased the ticket via Justfly. I want to share my experiences with everyone here to stay away from these two companies. It does not make sense at all how this process works. First, the penalty fee for canceling the trip via Justfly. I cannot avoid this since if not, they are not going to approve your cancellation and you cannot ask for a refund from the insurance company. They charge me $100 for a less than $500 ticket. Second, when I continued to move to CSA, I submit the form in early July, and I have to wait for one more month to get their email. It is so slow. And after simply negotiation, they said in my case I could not get a refund.

    Then the problem came, I did purchase insurance. But I need to pay both penalty fee and lost my ticket value and I have to pay the insurance. If there is any lesson I can learn, the insurance agent kindly suggested me to use the first 10 days, after purchased the insurance, to read through the conditions and codes carefully. This is the only thing I can suggest.

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    Verified Reviewer Verified Buyer
    Original review: July 28, 2017

    I have had a false sense of security when renting my five rental houses through VRBO. I have required guests to purchase the CSA Travel Protection damage insurance protection in the amount of $1,500. A renter broke the frame on a sofa in one of my properties. I filed a claim with CSA, sent photos, and provided an original receipt showing the sofa cost was $731.95. When the renter was contacted about the damage, she denied that her family broke the sofa frame... no surprise there. Based upon the renter's statement solely, CSA denied the claim because they said she was the owner of the policy.

    I asked how I should go about protesting their denial of the claim. I was told their decision was final, and that there is no means for further escalating a claim. Have you ever heard of such? Additionally, no supervisor was available to speak with me. My recommendation to all VRBO homeowners is to charge a damage deposit, don't fall for the false sense of security they are peddling with damage insurance protection. It's a farce.

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    Verified Reviewer Verified Buyer
    Original review: July 21, 2017

    The flight insurance that is provided by your airline is an actual joke, cost somewhere around $10.99. I found that the policy I purchased with Spirit Airlines does not cover loss if the pilots don't show up, I feel like I've been fooled again. So each ticket purchased (4) that they did not refund and my miles on my vehicle round trip twice I live 3 hours from O'hare. This one punched me in the stomach, they don't pay for pilots not showing up for work. So all 4 claims were denied, even the separate policy I bought that does cover airline cancellations and a bunch of other things $70.00 was denied. Stay away from CSA, Generali and AIG Travel Insurance, this was awful!

    Verified Reviewer
    Original review: July 17, 2017

    I wish there is ZERO star to click!! We filed a claim last July. They kept asking for more info. We did that every time! Now we got another email and need more info! They are trying to make it one year without sending us a refund!! We did follow what they asked for info. We lost the count of how many times they ask us to send them info and signed papers. Doctors signed papers. Blah blah blah! We would never never never do it with CSA again!!!

    Verified Reviewer Verified Buyer
    Original review: July 11, 2017

    We planned a trip to see my Uncle. I actually purchased the airfare after my significant other had congestive heart failure. He was released from the hospital feeling good and was told that his condition could be controlled with medication. I purchased the tickets 2 months before the date we wanted to travel and travel insurance after being assured by the doctors that he is fine to travel. I purchased the insurance mainly because the airlines were having problems where they were leaving passengers stranded. The doctor ordered further tests wanted to make sure that no further treatment would be necessary in the future.

    About 1 week before we were suppose to travel the angiogram revealed he had 3 blocked arteries and a leaky valve. At that time the doctor advised him not to travel because he needed more test and a triple bypass. We made two trips to the VA hospital which is 60 miles from my home to get letters for this bogus insurance company that said it is a preexisting condition and we would not get any of our money back. I was not buying life insurance I was buying travel insurance. Talked to the representative and he would not even consider changing the decision NOT TO REFUND MY MONEY. So I am out the airfare, cancellation fee charged by Just Fly and other fees they decided to charge. BOGUS COMPANY. NEVER AGAIN. I wish I could give them a 0.

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    Verified Reviewer Verified Buyer
    Original review: July 10, 2017

    Does NOT deserve any star. Generali Global Assistance is the parent company of CSA Travel. They are nothing but a headache. I cancelled a trip in February at least a week prior to travel. 1st they tried to tell me that there is nothing that says they have to pay the claim due to the reason given. The reason for the cancellation of the trip was cuz of my daughters board exams for her Med School. After lot of arguing they said they would look into it. Now it has been 5 months with NO result or follow up. All they keep doing is asking for more info. Once you provide them with the info they requested they ask for more. Now the excuse is they are waiting for an answer from the Board that conducts the testing. We provided with all the dates of the exam, the board info, our authorization for the board to release info to CSA, daughters graduation date & degree.

    They are very quick at taking your money and promising you that there will be no hassle in getting your refund once they have all the info they need. Do NOT I repeat do NOT insure yourself with CSA Travel for your travel insurance. I just found out yesterday that one my other family members is having the same issue. The lack of response & follow up makes this an extremely unpleasant experience. I would like someone from CSA or Generali to contact me & resolve this situation ASAP. This has gone on too long, 5 months to be exact.

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    Verified Reviewer Verified Buyer
    Original review: June 27, 2017

    We rented a VRBO condo at the beach for ourselves and our grandchildren over spring break. More than 500 miles down the road both grandchildren became seriously ill. Both were diagnosed with influenza and the doctor wrote "no further travel recommended" on the discharge from the hospital ER. We stayed in Alabama for 48 hours until both children were stabilized, then returned home. I filed a claim immediately. It's now been almost 3 months of consistent run-around. I get no updates unless I harass them. I was told the "policy" was monthly updates. Really? How many months does it take to process a fairly small, straight-forward claim? I had paperwork ready to go, and all sorts of evidence. I've filled out hospital release forms twice--the second time I had them overnighted to CSA in California. Still, I hear crickets. We have a small claim - the cost of a condo. What must consumers with large claims experience? Avoid, avoid, avoid!!!

    Verified Reviewer Verified Buyer
    Original review: June 23, 2017

    Harassed me until it wasn't worth the bother. We were forced to cancel a long-planned trip due to my son's health. His doctor wrote a letter, and we had paid receipts for all of our upfront expenses. CSA will not pay the claim. Do not use them. They will rip you off.

    Verified Reviewer Verified Buyer
    Original review: June 6, 2017

    My family and I were going to travel to Las Vegas 14-18 May 2017. I am a disabled veteran and started experiencing back spasms which would not allow me to fly. I thought at the time how lucky I was to purchase a CSA Travel Protection Policy. I called the airlines, cancelled my flight, contacted CSA Travel Protection, was sent a packet to fill out, filled it out, mailed it, and waited. I am still waiting. I have contacted CSA and they tell me the packet is not there. Now what, I certainly do not want to make and pay for another doctor visit and fill out the burdensome packet. I guess I will keep waiting and hoping. At this point my premium payment returned would be better than nothing.

    Verified Reviewer
    Original review: May 21, 2017

    I booked a cruise for my adult daughter and me for the dates April 8-15 and took out CSA Travel Protection months in advance for the cruise portion. When we arrived at the airport an hour ahead of the scheduled flight to fly to Tampa via Atlanta on April 8 on Delta, the Delta agent told us that our flight was changed to April 9 due to there having been adverse weather conditions from April 5-7 in Atlanta which had caused cancellations of flights from our airport (CRW) to Atlanta for those days. Due to the backlog of passengers trying to fly from CRW to ATL, the plane for which we held reservations was full. We had confirmed reservations and on April 7 Delta sent us an email reminder of our flight scheduled for April 8. Delta did not notify us of the change of flight until we were at the ticket counter at 5:20 a.m. on April 8.

    None of the other carriers at CRW had flights that would get us to Tampa by 2:00 p.m. that day. Although we explained to the Delta agent that we needed to fly to Tampa to board a cruise that afternoon, we were not allowed to board the flight. We missed the cruise. I submitted the claim for payment due to trip interruption due to adverse weather. CSA denied our claim. We are out the money I paid for our cruise AND I BOUGHT TRAVEL PROTECTION INSURANCE. If this wasn't an eligible situation, then what is??? I am going to file a complaint with the attorney general in the states in which CSA is registered to do business. I also have LegalShield and shall turn this over to one of their attorneys. CSA says in the fine print that one has to wait sixty days to file with an attorney.

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    Verified Reviewer Verified Buyer
    Original review: May 6, 2017

    I liked what I saw on the computer. I did comparative search and felt that you had the best coverage to fit my situation. I also liked that I could call and speak to a real person to buy the policy. Thank you. The person I spoke with was very friendly and all was done effortless. I most likely do not need the policy, since I am still very healthy, but like the comfort in case something happens. The fee for the coverage was very reasonable. Thank you. If I do another self planned trip, I certainly would look at your policies first. Of course at this time I have not used your policy, since my trip has not yet started. I hope that all goes well and have no need to test its effectiveness.

    Verified Reviewer Verified Buyer
    Original review: April 26, 2017

    BEWARE!!! This company just totally ripped me off. I required a guest to take out travel protection insurance when they rented a property with me through VRBO and the guest ended up holding a spring break party at my house and did nearly $800 in damage. CSA told me that he... yes, he... denied doing the damage so they are only paying for a small amount of what he did. Seriously???

    I lost money on this rental. The renter just outright lied and said he didn't have a party, and CSA tells me he is the one insured and protected. RIGHT!!! He is protected up to $1500 so why will they not pay me for $800 in damages when I provided photos, repair estimates, a list of damages, and offered to provide eyewitness accounts to the 50+ person and 20+ car party he held at my house? Because CSA is a money-making scam is why.

    All he had to do is say he didn't do all the damage — possibly because I gave him a rating of one star on VRBO??? And CSA, who is laughing their pocketbooks off when he says he didn't do the damage, reports back to me that, "Oh, sorry, he is protected from you with this policy... not you are protected in case of damages by him." That is HORRIBLE!!! VRBO is not that great of a company in the first place (horrible customer service) and this just tops the cake!!!

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    Verified Reviewer Verified Buyer
    Original review: April 22, 2017

    CSA Travel Protection is worth having. I wouldn't lose any money if we didn't get to go on our travel.

    Verified Reviewer
    Original review: April 20, 2017

    As with most if not all insurance companies, their goal is to avoid paying out claims. This travel insurance company has worded their policy in such a way so as to cover nothing of any substance. My tour to Europe was canceled through no fault of my own. The cancellation cost me $1100 in deposits plus airfare. CSA covered NOTHING as the ONLY way they'd pay is if the tour company became financially insolvent and canceled the tour. They don't cover any of the airfare although I needed to purchase it as part of the tour. Don't buy travel insurance from this company. You'll be disappointed if through no fault of your own something happens. As I stated, they've worded the policy to pretty much exclude most of what can realistically go wrong in a trip.

    Verified Reviewer Verified Buyer
    Original review: April 18, 2017

    I purchased protection for my recent trip to Mexico because my brother was admitted to the hospital for a sudden illness. Since I didn't know for how long he was going to stay in the hospital I decided to purchase this travel protection so I could extend or shorten my trip. I had to extend it because he was still in ICU. I called and explain to a CSA representative and she gave me advise and send me the paperwork to complete once I returned to USA. I did what I was told and few weeks later I was told that it was declined because my brother was already sick before my flight.

    I don't see any sense in buying travel protection unless you have doubts about your flight or stay. For goodness sake I didn't purchase health insurance (for pre-existing condition) it was a travel protection. I predict CSA going to face a major lawsuit for ripping people off as many other have. If you consumer are reading this please do NOT buy from CSA and also advised your family and friends.

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    Verified Reviewer Verified Buyer
    Original review: April 11, 2017

    I don't usually purchase travel insurance, but will from now on. We bought CSA for our trip to St John, USVI. During the trip, my mom fell ill so I contacted CSA. CSA's emergency center was efficient & professional throughout our crisis.

    Verified Reviewer Verified Buyer
    Original review: April 10, 2017

    I've had a great experience with CSA Travel Protection. I'm 78 years old and purchasing travel insurance is the only smart thing to do. I've always used Allianz before but as far as knowledgeable agents, CSA's were very good. Also, I couldn't believe how inexpensive the plan was. But I was talking to their agent in regards to the policy that I have with the Club Med program because their plan that I purchased with my trip is not as inclusive as I would like it to be. I'd have to call them back and do some add-on supplements to it.

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    Verified Reviewer
    Original review: Feb. 6, 2017

    OBX is a popular vacation destination, but renter beware. We purchased hurricane insurance. The realty company gets a share of each policy sold. There was a hurricane (Matthew) last Sept, which knocked out the power to the area. The realty company called us and encouraged us to come anyway because the "power is generally back on within a few hours". Once we arrived, we were left sitting in a parking lot for 2 1/2 hours because the roads were too flooded to reach the home. We requested alternative accommodations but the realty company didn't have anything (really?). Hotels were all full. The only resolution was to wait until the water went down and go to the uninhabitable house. We were there for 3 days with no power, no flush toilets, no cooking facilities, no lights, no air conditioning and 6 inches of sand in the pool, hot tub and on the decks.

    The owner send people out to clean on the 3rd day. The realty company did nothing. The power was restored after the 3rd day when we complained to the county commissioners. Again, the realty company did nothing. Our vacation was scheduled for 2 weeks. Our car was damaged due to debris on the beach from the storm. Once we came home, we filed a claim with the hurricane insurance company. It has been repeatedly denied over the past 4 months. I'm certain that quite a few people were affected and denied reimbursement. We will be filing an insurance commission complaint shortly, but this is a decent story/warning. Attempting to locate others who have had similar experiences.

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    Verified Reviewer
    Original review: Jan. 19, 2017

    In October 2016 our party of 6 purchased airfare tickets through JustFly.com to go to the Bahamas in Feb 2017. We received tickets through Delta and also purchased the travel protection with CSA. In November 2016 our timeshare resort was destroyed by Hurricane Matthew. Half the island had no electricity, poachers took over abandoned hotels, most were evacuated, and the resort advised that the projected re-opening would not be until late November 2017. Since the Bahamas was heavily damaged we opted to cancel our airline tickets. We contacted CSA and they sent us a cancellation packet. The packet was filled out to the T and certified mail was sent. CSA denied our claim stating that they do not cover Hurricanes. Hurricanes are a natural disaster, evacuation was done, and this should of been covered. To appeal you have to take it up with your State's Dept. of Insurance.

    Verified Reviewer Verified Buyer
    Original review: Dec. 28, 2016

    October 2016 our six person family purchased CSA travel insurance for our Corova, NC vacation rental at Twiddy Realty. Our understanding was that if our trip was interrupted or canceled, we would be reimbursed for our expenses. When NOAH weather predicted Hurricane Matthew was expected to hit Corova, NC, we attempted to cancel or delay our vacation. We were informed by CSA and by Twiddy that unless it was a mandatory evacuation, we would not be reimbursed. We traveled to Twiddy Realty, our vacation rental home agency in Corova, NC. We attempted to relocate or receive a reimbursement. We were then assured by Twiddy that the storm was not supposed to hit the area.

    That night, while we were in our vacation home, Hurricane Matthew hit the Corova, NC area with devastating effects. Our family was stranded in the vacation home, surrounded by water with downed power lines for three days. We had no power, water or way to cook or even flush toilets. Water seeped in through the walls. Our groceries were destroyed due to lack of power. We contacted CSA Travel Insurance agency for emergency assistance and were informed that there was no emergency assistance.

    Three days later, we were finally rescued and relocated by a military hummer from the police department, no thanks to CSA. We had to leave our vehicle and belongings behind. Thankfully, the owner of the home we rented was willing to allow us to move to another home. Again, with no help from CSA. However, our family of six had to share one MRE because we had no food or necessities. We had to beg a ride to the grocery store with the maintenance guy from Twiddy and repurchase all our groceries.

    Finally, days later, when the water went down, we had to return to get our own rental vehicle out of the water. No thanks again to CSA. When we returned home, we filed a claim to be reimbursed for trip interruption, groceries and lost rental vehicle time. We were told by CSA to send in receipts and we would be reimbursed. After sending in our verification and receipts, Andrew **, claims representative, informed us that our check had been mailed. When we received no check a week later, we called the claims office and were told Andrew was on vacation and no one else was able to help us, so we would have to wait until he returned.

    On our second attempt to receive information regarding our claim, we were told that CSA had no record of our having filed a claim. We resubmitted, and received a denial letter through email. When we inquired why our claim had been denied, we were told that we would have been reimbursed if we had stayed in a hotel. But since we stayed in the vacation home, they would not reimburse us. We would have been happy to stay in a hotel if we could have gotten out of the vacation home; but we were stranded, surrounded by water and power lines that were down all around us--technicality instead of honest business.

    CSA also told us if we had eaten out at restaurants, we would have been reimbursed for our meals. However, since we purchased groceries, we could not be reimbursed. This was again, a technicality, instead of honest business. If we could have eaten out, we would have been more than happy to. But in a hurricane, there don't happen to be any restaurants open! We had to return to the grocery store because the grocery store shelves were stripped and there were no refrigerator items.

    This company advertises emergency assistance, trip cancellation and reimbursement for expenses out of pocket, but all the reviews I have seen on this company seem to have one common denominator-- fraud! No emergency assistance--during the emergency they told us they would call us back the next day, then emergency management called us the next day to tell us there was nothing we could do. The rest was all about fine print and technicalities to find loopholes for the company to leave their customers stranded. This company is fraudulent in their claims, disorganized and unprofessional in handling their claims and a total waste of money.

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    Verified Reviewer Verified Buyer
    Original review: Dec. 10, 2016

    My husband and I had a two week trip planned for September 2016. We were to attend a wedding in upstate Connecticut and then fly to Paris to take a one week river cruise. Since we are seniors, we usually insure our entire trip portal to portal. Once I had all of our arrangements made, CSA Insurance was recommended to us by the company who booked our cruise. I purchased it July 2016. My husband had been experiencing groin pain for a while and he was getting physical therapy for it. We never considered canceling our trip due to this. However, the pain grew more intense and in August 2016 it was recommended that he have hip surgery. The only date available for the surgery was the day we were scheduled to leave on our trip. Otherwise he would've had to wait four extra months and his pain was getting worse...so much so that travel would've been difficult no matter what.

    We were forced to cancel our entire trip but felt confident that we would receive reimbursement since we'd insured everything, paying $888 for the complete coverage. We followed all instructions and turned in all the required paperwork as soon as possible. We were shocked when we were informed that we would receive nothing because my husband's condition was deemed a "pre-existing condition". CSA was basing this on our general practitioner's report that he had been referred to physical therapy for groin and hip pain. Our general practitioner never suggested or hinted at a need for surgery. The need for surgery was determined by an orthopedist almost a month after we purchased the insurance. We expressed our lack of satisfaction with CSA's decision. We never had any person to person contact with this company (although they are local in San Diego and about 5 minutes from our home).

    They just kept coldly repeating their decision through email and snail mail, based on a couple of lines in their 17 page policy. So, we were out about $4,000. And as far as CSA was concerned, that was our tough luck. They also failed to respond to our questions about their keeping our $888 premium that was paid to protect us while on a vacation that we never took! What did they do to earn that? Absolutely nothing! Since our experience we have learned of numerous other peoples' bad experiences with the "pre existing condition" exclusion not only with CSA but with other companies.

    We will never deal with CSA again and are totally soured on major travel insurance in general at this point. We are submitting this review because we want to encourage everyone purchasing travel insurance to read every word of the fine print in the policy. There are loopholes everywhere, set up for the protection of the insurance company and not for the benefit of the supposed "insured"!

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    CSA Travel Protection Company Information

    Company Name:
    CSA Travel Protection
    4181 Ruffin Rd, #150
    San Diego
    Postal Code:
    United States
    (858) 810-2000