Travel Insurance Reviews CSA Travel Protection Custom Luxe

Of the two plans offered by CSA, Custom Luxe offers the highest limits of coverage and builds off of the coverages offered in the Custom plan. On top of the coverages from the Custom plan, Custom Luxe offers coverage for financial default, a pre-existing conditions waiver, and optional Cancel for Any Reason coverage.

To learn more, see the CSA Travel Protection Custom Luxe product page.

Customers who have rated the CSA Travel Protection Custom Luxe plan
4.56 out of 5
531
ratings and reviews
96%
recommended
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Cruise
Filed claim
CSA Travel Protection Custom Luxe
I compared with other plans- this seemed reasonable in terms of what I wanted- evacuation protection and limited upfront medical payments if needed.
Mitchell m. would recommend this plan to a friend or relative.
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Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
CSA Travel Protection Custom Luxe
I purchased a plan through CSA for a cruise I was taking with my 80+ year old parents in this past October. My parents also purchased travel insurance through insuremytrip, but with another carrier. I've purchased trip insurance a dozen or more times in the past and luckily, never had to make a claim.
Well this time, lo and behold, my poor mother fell and broke her hip 12 days prior to our departure date. I immediately started my claim. I had a difficult time getting my mother's orthopedic surgeon's office to complete CSA's Physician Statement form because the office said it was a HIPAA violation - regardless of the fact that my mother had signed a release specifically allowing them to disclose that information to CSA. Since my mother had also purchased insurance and her surgeon DID complete her carrier's Physician's Statement form, I submitted a copy of that one to CSA and asked if they would take it instead of their own form and apparently they did because my claim was subsequently approved and I was reimbursed the entire cruise fare and my airfare!
I must admit I was worried for a time because I got the feeling they were not going to approve the claim. I am completely satisfied with the process, which understandably, was a lot of paperwork and several hoops to jump through, but I would not hesitate in the future to purchase another plan through CSA....although they may not be keen on insuring somebody in the future that they had to pay out on. I'll have to test that out.
Patti M. would recommend this plan to a friend or relative.
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CSA Travel Protection Custom Luxe
I've always said it's better to have travel insurance and not use it than to not have it and need it. Cost was reasonable and thank goodness I didn't have to use it.
Kenneth R. would recommend this plan to a friend or relative.
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Value
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Claims not filed
  • Empty Comment
CSA Travel Protection Custom Luxe
Service and price is excellent. Have used this three times and fortunately have had no claims so I cannot speak to that but the people are very nice and very helpful.
Jim W. would recommend this plan to a friend or relative.
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Value
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Claims not filed
  • Empty Comment
CSA Travel Protection Custom Luxe
Well, the plan should cover the rent car but Herz refused to accept this insurance... When I bought a plan I answer your questions - the destination. But in Herz they told me that they do not accept that insurance...
I am wondering if other items were covered. Good I did not need to use it...
Alexander B. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Deborah Celizic
    CSA Travel Protection
    Photo
    Thank you for sharing your feedback. The plan you purchased includes Rental Car Damage coverage designed to provide primary coverage in the event your rental car is damaged during your trip due to collision or other causes listed in the Description of Coverage/Policy provided at purchase. We recommend customers contact their rental car company prior to departure to ensure our plan meets any specific requirements they may have. Our customer service representatives can email or fax coverage details to your rental car company, if requested. Please reach out to us at (800) 348-9505 or via email at csa@csatravelprotection.com with any additional questions or concerns.
    Jan 10,2017
The trip included a
tour
CSA Travel Protection Custom Luxe
I have purchased the CSA plan a total of 3 times for various trips. We have not had to file a claim yet but I felt very secure knowing we had the travel insurance
Melanie R. would recommend this plan to a friend or relative.
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Value
Satisfaction
Claims not filed
  • Empty Comment
CSA Travel Protection Custom Luxe
great insurance ++ i recommend CSA to every traveler
Nissim A. would recommend this plan to a friend or relative.
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Value
Satisfaction
Claims not filed
  • Empty Comment
CSA Travel Protection Custom Luxe
No need to file a claim, though the luggage was arriving late by 5 hours.
Karl A. would recommend this plan to a friend or relative.
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Value
Satisfaction
Claims not filed
  • Empty Comment
CSA Travel Protection Custom Luxe
The plan provides peace of mine and was easy to purchase and price competitive.
Lawrence W. 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 Luxe
My wife required hospitalization and medical repatriation from the Caribbean. The service provided to arrange transportation home was first rate and they were in contact with us daily until we arrived home.
A significant part of the cost incurred is on a reimbursement basis (the hospital required upfront payment for all medical expenses) and I've just begun the process to be reimbursed for that, so I can't yet comment on the speed and completeness of the reimbursement.
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After many months we finally have received all payments due from CSA. The problem didn't lie with CSA but with my wife's primary health insurer. The travel insurance is secondary so we had to submit claims through her health insurance and receive EOBs showing what the primary insurance paid before CSA would reimburse for the rest of the expenses. The primary insurer asked for additional documentation about a month after receiving the claim and then apparently misplaced my response for several months until I called to ask what was going on. The person I spoke to found the paperwork quickly and did whatever was needed to process the claim. When I finally had all the payment from the primary insurer I submitted the EOBs to CSA and they quickly and completely paid what my wife's medical insurance didn't cover.

There was one element of the claims experience where I wasn't completely satisfied with CSA's resolution of the claim. We were on a cruise when my wife got sick and we had to leave the ship at that time. The stated Trip Interruption coverage said they would reimburse either to get me home or to rejoin the originally scheduled trip (my wife's medical evacuation was paid up front by CSA). Since most of our luggage was still on the ship and our car was at the port in New York City, I met the ship when it arrived in New York to retrieve the luggage and car. CSA wouldn't reimburse my train ticket to New York since I had gone home (with my wife) to Pennsylvania before heading to New York. They claimed my trip ended at that point even though I had to meet the ship in New York (had to continue my trip from that point) in order to retrieve my luggage and car. In the grand scheme the amount involved wasn't large ($130 or so) so after the claims agent's supervisor reiterated their rejection of that part of the claim I didn't pursue the matter further.

But overall I was satisfied with the resolution of the other elements of the claim and the speed with which it was completed. I've purchased the same policy for our upcoming trip this holiday season.
Peter H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
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