Travel Insurance Reviews CSA Travel Protection

Founded in 1991 and based in San Diego, California, CSA Travel Protection combines customer-driven innovation and risk management to create strategic solutions for its customers. Benefits and pricing are built on common-sense needs. CSA is owned by Europ Assistance, a worldwide emergency assistance services company.

Learn more about CSA Travel Protection.

Customers who have rated CSA Travel Protection
4.60 out of 5
2,664
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
CSA Travel Protection Custom
We had the unfortunate experience of a travel delay due to an air traffic controller's strike. CSA covered ALL expenses associated with the delay including the missed portion of the tour. We will definitely buy trip insurance again from CSA!
William M. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
tour
CSA Travel Protection Custom
HORRIBLE EXPERIENCE! Our dealings with CSA were handled professionally and courteously until we filed a claim, which was a nightmare. I took the comprehensive policy which included benefits for covered illnesses, including family member illnesses. There was trip cancellation coverage if a covered illness claim was made prior to my departure from home, and trip interruption coverage for covered illnesses after my departure from home. My husband was diagnosed with a urinary tract infection prior to my departure from home. His symptoms worsened after my departure, requiring that he visit an emergency room. At that visit, he was diagnosed with bladder cancer, had emergency cancer surgery, and was hospitalized. I was in Miami, ready to depart on a cruise the next day, so I had to cancel the cruise and return home. I filed a trip interruption claim with CSA, and was shocked when it was denied. They cited a clause in the coverage, "The Sickness or Injury must first commence while your coverage is in effect under the Policy". They denied coverage due to my husband's diagnosis for a urinary tract infection prior to my departure, stating that it was when the bladder cancer treatment commenced. I offered to have my Urologist clarify his medical statement to indicate that there was no cancer testing, diagnosis, or treatment until after my departure from home, but they refused. Even though I had not yet departed on the cruise, it was not covered under the trip cancellation benefit because I had already departed from home. I told them that they were trying to avoid paying the claim based on a fine print technicality in the contract that was unreasonable. The claims representative very rudely said that I should have read the contract before I signed it. I asked that he take it to his supervisor, who also denied the claim. I appealed in twice and was denied. I then requested that InsureMyTrip.com assign an advocate to the case. CSA refused to cooperate with the advocate, citing privacy of medical information. They did not offer to have us sign a medical release to allow the advocate to talk to them. My husband then sent his own release for them to talk to the advocate, along with our third appeal and an updated medical statement from his Urologist. After going through 3 claims adjusters, CSA finally backed down and paid the claim without talking to our assigned advocate. We were very upset at how unprofessional CSA was in handling our claim. They have lost us as a customer, and we recommend that others look elsewhere for their trip insurance needs. InsureMyTrip was excellent... our problem was with CSA. I have been in Customer Service Management for 36 years, and was shocked at the poor level of customer service provided by CSA. My travel companion bought her policy from another company on InsureMyTrip.com, and had her claim paid promptly with no hassle whatsoever.
Kay L. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you for reaching out to your fellow travelers to share your experience. We certainly want to be accessible to our customers and provide support even it the insurance company determines that coverage does not apply to a particular situation.

    We do not know the details of your claim since access to the medical records was restricted by HIPAA laws. However, it does appear that what you considered a "worsening of his condition" was originally determined to be ongoing treatment for a condition diagnosed prior to departure. Although the condition was first diagnosed as a urinary tract infection, if that same condition later caused you to interrupt your trip to return home early, there would have been no coverage. Fortunately you were able to provide CSA with additional medical documentation to enable them to pay your claim.

    We will share your feedback with your fellow travelers hoping that your unfortunate experience will provide a better understanding of policy terms and conditions. We also invite you to call us for further discussion.
    Sep 20,2016
  • Deborah Celizic
    CSA Travel Protection
    Photo
    Thank you for your feedback. We’re very sorry to hear about the circumstances surrounding your claim. We take reviewing and responding to claims very seriously and strive to provide prompt, fair and professional claims processing for all of our customers. The physician statement initially provided with your claim indicated the cancer was diagnosed prior to your trip departure and this resulted in your claim’s initial denial. After ordering medical records, we were able to see this was not the case. We did receive an email from your husband informing us that he was authorizing us to speak with your IMT advocate. Unfortunately we were unable to do so without a signed HIPPA form. We again apologize for your negative experience. If you have any additional questions or concerns please feel free to call us at (800) 348-9505 or via email at csa@csatravelprotection.com.
    Sep 20,2016
The trip included a
cruise
tour
CSA Travel Protection Custom
Thankfully we did not have to file a claim.
Ivan S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
CSA Travel Protection Custom
I like the options when applying for coverage. It is nice to select just what I needed.
William B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
CSA Travel Protection Custom
Although we didn't need to use the plan, I felt protected and comfortable knowing that we had coverage.
William L. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
CSA Travel Protection Custom Luxe
I learned during this trip's insurance purpose that these plans are less useful for the non-medical aspects of a trip. It became clear to me that these plans are targeted more to folks that pay all costs and have no option of receiving a refund ONLY as of the day prior to your trip's departure.

For example, on our most recent 23 day trip one of our B&Bs would not give refunds after we were only four days into our trip and most other B&Bs would not give refunds only a few days prior to our first night's stay. According the person we spoke to at Insuremytrip there were no CSA or other companys' policies that would cover that situation since it was still refundable as of the day we left for our trip. So if we would have had to return home suddenly after five days into our trip, we would have lost the money for the B&B that needed 3 weeks notice for a full refund. In addition if both of us on this policy would have been incapacitated and unable to cancel all the other B&Bs that had better refund policies (say 2 or 3 days before our stay at them), we would still have to pay those B&Bs.

SO BE FOREWARNED: CSA and other companies will NOT pay unless it was prepaid and non-refundable the day before leaving on your trip. Perhaps the chances of this happening are low but it makes it more difficult to determine the amount of insurance to purchase...I had to file an amendment several times as I further planned the B&Bs for our trip. The travel part of the insurance seems to cater to the fully up front funded vacation via a third party. Wouldn't they have formulas to determine that risk an just fully cover all costs if something should happen during the trip?

That said the medical part of the policy is worth it. We didn't use it during this trip but we had to during a previous trip and were very satisfied.
Stephen S. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
CSA Travel Protection Custom
It made us feel better about traveling.
Katherine B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
CSA Travel Protection Custom
Happy things went according to plan with no need for a claim. Peace of mind!
Mary Lee S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
CSA Travel Protection Custom
Fortunately we did not need to file a claim for this trip. But we felt well covered in case we had needed it. We would look at CSA again for future trips.
Donald J. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
CSA Travel Protection Custom
Thankfullywe did not have to file a claim or use this insurance protection, but glad we had it.
Suzanne R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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