We were concerned that we might have to cancel this trip due to recovery time from a knee surgery. It was suggested to us, by the Squaremouth representative, that we purchase CSA travel insurance, as it would best accomodate our situation. We always buy travel insurance, but this was the first time for CSA. As it turned out, the surgery recovery was not a problem, but another issue arose.
Our flight to Europe was cancelled due to mechanical problems. We were re-booked and arrived a day late. As a result, we missed a concert for which we had purchased non-refundable tickets. While waiting for our re-booked flight, I called the CSA "hotline". I was told what documentation I would need to provide, and the claim forms were e-mailed to my home computer.
I provided the required documentation, mailed it to CSA, and received an e-mail within a few days saying that the claim was being "investigated". A couple of weeks later, I received a check for the full amount of the claim.
CSA did not cover my air fare for Europe River Cruise that did not happen due to flooding of rivers in Europe. This is very misleading. CSA says post departure cancellation of river cruise does not qualify for refund of air fare. Our river cruise was refunded 100% by Uniworld Cruise. CSA only refunded $480 of a total claim of $3500.
The airplane company changed the flight by 24 hours and the insurance company said they would not make any payment to my re-booking fees or extra hotel night! What's the point of travel insurance but to cover those unexpected complications beyond my control?
This was for our honeymoon which we had to cancel. We had to call several times, wait on hold, fill out a form, fax it in, wait on hold some more, wait for a mail response, wait for an email response, get more information from the Doctor, fax in two doctor's forms. Then--ultimately--they said it was a pre-existing condition which is was not. Total Baloney. They didn't respond to the disputes and told us we could take it up with the state insurance board. One only has so much time. These guys delayed, asked endless questions and made us waste as much time as possible to get out of paying our claim.
I filed a claim for $65. It took the insurance company 5 weeks to find a reason to deny the claim. While they were processing the claim they provided updates only when I prompted them with an email. Their denial of claim letter provided no information on appealing their decision. I am just thankful that this was a small claim. Avoid this company like the plague. I can only imagine the nightmare they would be to deal with for a large claim.
When we arrived at our destination we were told the river cruise was instead going to be by bus because of the swollen rivers. I called CSA regarding some kind of a refund but they said unless the cruise was cancelled, there was no refund of any kind.
Before our 3 week tour of Peru (incl. Machu Picchu) and Argentina, I decided that we needed Travel Insurance – being in our late 60s, medical coverage and trip cancellation were major pieces.
Spending over 3 weeks, scouring the web – looking at 10s of ‘insurance sales’ sites and reading close to a thousand personal experience reviews, I chose SquareMouth and CSA Travel Protection (Custom Luxe) as my providers. After all that effort, I was barely confident that my choices were full-proof – the sign-up and payment was simple, the choices were hard – no service and no company had perfect satisfactory reviews.
Well – lo and behold, the day before we were to leave on our tour, my wife took sick with terrible sinus and balance issues, flying and touring at heights was out of the question – we canceled our trip!
1) We canceled on Thursday,
2) I downloaded the CSA Travel Protection Claims forms on Friday,
3) I filled out all the forms and gathered the back-up information over the weekend,
4) I packaged all the completed forms and materials into a .pdf file which I e-mailed to CSA on Monday @4pm
At 3pm on Tuesday, I got a call from a CSA Travel Protection Claims Department representative telling me that our FULL claim was approved and that a check would be issued immediately – that is less than 24 hours after my claims’ submission = WOW
At 1pm on the next Monday, I received my claims check – at 2pm I deposited it in my bank account.
To say the least – I HIGHLY recommend CSA Travel Protection Insurance and SquareMouth for making this uncomfortable process easy and successful = Thank You!!
We were extremely satisfied using Squaremouth.com's referral service. We actually had to cancel a previous trip due to a major illness of a parent. CSA Protection promptly refunded our trip's deposit. As a result, we have used them again and will continue to do so in the future.
No problems, got (what I thought was) an informative copy of the policy in a timely way.
Had no issues or reason to contact the carrier during the trip
I was told the claim for the lost/stolen global phone would be denied. Even though it was lost / stolen from the plane, carried on. Told it is in fine print "#16, way in the back under exclusions" that cell phones are excluded under checked baggage. Hello, we never would have put valuables in checked luggage. But that is how they classify any loss of property - checked luggage. You could read this in deciding whether the policy covered enough to be worth your while & think - no I would not check these valuables so the policy is fine. But it doesn't work that way. Basically phones, computers, Rx meds, anything of value besides clothes are excluded. Jewelry is covered for a combined / total value of $600 for all pieces. Which is basically nothing considering what fine jewelry can be worth. This might be good insurance in case you become ill & need an airlift - but know you are out of luck if you have property lost or stolen.
I got this insurance thru the internet, all my paperworks were printed by me. I never ask anybody about the plicy bec. it's selfexplanatory
I got sick in Dubai during my trip, I called the hotline bec. it's written in my policy that they have an MD or a clinic/hospital that they could refer me. Apparently, this is not true. My son & his wife were the one whor recommended a clinic for me to be seen by an MD. When I called Customer Service re: the payment,I was told that I have to pay out of pocket first, then have my primary insurance in USA to pay my expenses, whatever, my Primary Insurance wouldn't pay, this insurance carrier will pay. I was given a Medical file number.The policy stated that I don't I have to pay out of pocket, that there will be a clinic/hospital that I can go but it didn't happen. The insurance carrier doesn't have a clue of any places where I could get medical help. Thank God my medical situation was not serious but I needed to be seen bec. I needed medications and also being an RN helped.
I didn't file any claim bec. I was told to file my claim with my Primary Insurance first, this was not stated on the policy. For me, the policy was misleading, it was a waste of my money, this was a learning experience for me.
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