CSA Travel Protection

was the least expensive and had more robust coverages than the other travel insurances that we found on
. The cost of trip insurance is a small % of the trip cost.
It easy to buy from #CSA for a last minute trip to the Caribbean. We want the medical coverage due to the risk of Zika but the deals to the Caribbean now are great.

Crooks! Beware! They hide behind their terms and conditions and will not pay out any claim.

Have been using CSA for past 20 years. They always seem to be the most reasonably priced. I have had to cancel a trip at the last minute due to medical reasons. After submitting all the necessary documentation, I was 100% reimbursed. Also like that they are a local company.

Military travelers: DO NOT BUY. I quote from the policy: «We will not pay for any loss under the plan caused by, or resulting from: #10. service in the armed forces of any country; #19. business, contractual, or educational obligations of you, a family member… or a traveling companion…»
I bought this policy specifically to protect against the possibility of having my leave cancelled due to duty obligations, TAD, or deployment that may pop up between purchasing my plane ticket and my departure date. CSA will not cover that. I’ve used Allianz travel insurance before. They cover it. Use Allianz instead.
CSA will not let you look at the policy until you purchase it. Then they give you a «10 day free look period» within which you can review the policy & cancel it for a refund if desired. They are counting on the average consumer not taking the time to do this, not realizing how inadequate the policy is, and not realizing it until it’s too late, like many other reviewers here.
#1: Shame on me for buying something without looking at it first… That should have raised red flags to begin with. Don’t make the same mistake.
#2: This is an underhanded business tactic by CSA… & probably indicative of their overall business model. It should come as no surprise that they have so many negative reviews.

DO NOT BUY CSA TRAVEL PROTECTION. THIS IS A SCAM. This is my first review and I felt it was my job to let other people know about this pathetic «travel protection» plan that CSA offers. I paid $ 48 for the highest coverage for an air canada flight and was medically ill a day before my flight. My doctor told me I was not allowed to travel and to stay home. CSA refused to cover any trip damages and I have been going back and forth with them for over 3 months trying to get reimbursed. They’re «covered reasons» are very specific and you literally have to be dying (from previous unknown reasons) in order to get the coverage. I WILL NEVER BUY INSURANCE FROM THIS COMPANY AGAIN. What a joke.

The renter using my home paid $ 40 for «rental insurance» to rent my home (3 year old home worth almost 1 million). CSA rejected the claim because the renter «denied» that she or the other 11 people staying there damaged the home, stating the damages were «already there.» They were NOT already there– and they did not submit a property condition form to the real estate agent to prove they were there. So, CSA said that they were denying the claim because apparently EVERYONE tells the truth all the time. Complete BS!!! I am so angry. I spoke to someone named Iliana, and she kept repeating that the renter was their «client.» So, for $ 40 you can go damage a home worth thousands and thousands of dollars, and CSA won’t even reimburse you for the measly1500 that is their max reimbursement. I will never again allow anyone to use this insurance and I will tell anyone who will listen that they shouldn’t either. Reading these claims, they don’t do such a good job of protecting the renter either. I’m sure the renter won’t use them either after I go to small claims court to get my $$ back.

This is a terrible company. I purchased CSA insurance on a VRBO rental my wife and I had rented to visit my son. She was unable to make the trip due to complications related to major surgery, her doctor wouldn’t allow her to travel. After medical records, lost emails, rude behavior on CSA’s part, and a year later, I have not been reimbursed. I will never under any circumstances use this company again.

Love this company… their prices are competitive, and I had a claim, which was settled quickly… an honest, professional, easy to get along with company.

In February 2015, I purchased a Royal Caribbean Mediterranean cruise, with a departure date of July 1^st. In May 2015, everyone in our household became sick with the common cold after traveling north for a wedding in the middle of May.
My grandmother, who has NO PRE-​EXISTING conditions with the exception arthritis also came down with the cold, which turned into pneumonia. She was hospitalized in May and then released into rehab so she could get stronger before coming home. She had come down with pneumonia times before, recovered and been released.
On the evening of 6÷22÷2015, we requested that the rehab center take her to the hospital so she could received the proper treatment and medicines.
On 6÷23÷2015, I purchased an travel insurance policy from CSA just in case I needed to come back while I was on the Cruise. The effective date of my policy was 6÷24÷2015, 12:01 am.
On the evening of 6÷24÷2015, at approximately 10:00 pm we received an unexpected call from the hospital saying that my grandmother’s blood pressure had suddenly dropped exceptionally low, and that we should go. The doctor specifically said that they aren’t positive anything was going to happen, but we should go just in case. Her blood pressure was normal earlier that day.
Unfortunately, I watched my grandmother take her last breath at 5:00 am the morning of 6÷25÷2015.
Today on 7÷23÷2015, I received a letter from CSA denying my claim stating «The effective date of your policy is 6÷24÷2015, and the medical documentation provided by the doctor indicates that the illness that caused your non traveling family member’s death occurred before your effective date. As the illness did not occur after your policy became effective, and is considered foreseeable and therefore is specifically excluded from coverage, no benefits are payable for your claim.»
I contacted the Claims Agent, Joey Ramelli who just argued with me the entire time about why I purchased insurance so close to my travel date and that her illness was foreseeable. Rude and useless. Exactly what I needed after dealing with a death in the immediate family. Seriously? She had pneumonia many times before and successfully recovered, and her death was NOT foreseeable. Apparently, you’re supposed to be Nostradamus and predict someone will die from an illness to get your claim benefit paid. Terrible customer service. I recommend you seek other insurance options very carefully, before going with CSA.

We purchase the CSA Travel Protection Custom Luxe after reading all the reviews of agencies and insurance companies.
WE DO NOT recommend it for the following reason:
# IF you get ill of any degree, you must go to a doctor. NO EXCEPTIONS if you want to get reimbursed for ANY expenses. Not only do you have to go to the doctor, but according to the claim form, you must get the doctor to fill out their medical form.
## Even if you carry your own medications for common illness that interrupt your travel, you have to see a local doctor.
## that implies that if you are overseas and in a remote part of the world, you have to carry with claim forms just in case you need it, so the doctor can fill it out while you are there!
While in a small town in Brazil, we succumbed to a bout of diarrhea and we were prepared with medication to self treat. I barely made it to the nearest public phone and called medical support center and filed a claim. But we were still unable to travel 1.5 hours just to get to the airport and then travel to our destination.
So because we did NOT seek medical treatment we will not get reimbursed for the missed trip.
Conclusion: Only buy travel insurance for MAJOR illness.

This has been such a horrible experience. We had purchased renters insurance for a trip planned for FL 06÷4−06÷8 — Not only do we have an infant who was going with us and you can never predict their health, but my grandparents are also getting up there in age so we figured better safe than sorry. Unfortunately my grandfather passed away ⁰⁶⁄₁ unexpectedly, and the funeral and viewing were arranged for ⁰⁶⁄₄ & ⁰⁶⁄₅ — we notified them right away that we were cancelling our trip and sent the death certificate as soon as we got it in our possession, along with the death certificate we sent all email correspondence, the obituary, the credit card statements showing what we paid and all the paperwork they had us fill out. It is now ⁰⁷⁄₀₈ and yesterday they said they needed proof that we did indeed get our $ 150 security deposit back. We had an email DIRECTLY from VRBO/​homeaway (site which through we rented our vacation property) and the owner of the house has confirmed we WERE NOT there but yet that is not enough. I have now sent the credit card activity showing the refund of the security deposit. This has been terrible, I have purchased trip insurance in the past from other companies and never have I had such an issue, and those claims were for much less substantial interruptions than the death of a loved one. I would highly advise AGAINST ever using them for your future travel needs — I just hope one day we see our money back but I wont hold my breath…

I took out travel insurance since we were traveling many months later. We had our flight cancelled due to weather from Chicago all the way to the east coast. All flights were cancel that day out of DCA airport. We filed a claim for the one day of rental that we lost on the house we had rented, plus a small charge for ordering a pizza the night we were still at home. We were booked the next morning and made it one day late to our destination. I filed a claim at the beginning of April when we arrived home. There were many correspondences and I was told that the airline wasn’t responding to the emails that were sent to them. On July 19^th I personally called the airline and was told if the travel protection company would just give them a call they could verify the cancellation. I put in a call to the voicemail of the representative at CSA that I wanted them to place a conference call with the airline and me. Two weeks passed and I made another call asking for the conference call. Today July 7 (3 months after the claim was filed) we had the conference call. I am told that a check will be issued tomorrow. We’ll see.

I’ve used CSA travel protection four times over the last couple of years. They have been extremely helpful in the few cases we had to contact them for claims. We had a missed connection due to a common carrier delay in JFK. CSA helped arrange a nearby hotel for the night and contacted the airline to reserve a different flight the next day. My husband’s suitcase was delayed during one trip and they quickly helped with the claim for the items he needed while waiting for his luggage. In our last trip, and the reason I’m going out of my way to write a positive review, was a stolen camera on our trip to Costa Rica. It went missing out of our hotel room the first night of our vacation. We contacted the toll-​free international CSA agent who talked us through the process in about 10 minutes. The agent explained what we needed to do and that most of it could wait until we returned from our trip allowing us to avoid spending too much of our vacation dealing with it. After returning home, I submitted the claim via e-​mail. I hadn’t heard back from CSA in about a week, and just before I was going to follow-​up with them, the reimbursement check came in the mail.
I have never had a bad experience with CSA. In my experience, they are a pleasure to work with and I would recommend them to friends. Before taking out the policy, I review it and call to ensure I understand what is covered. The policies are straightforward if you take the time to read them. I feel most of the ‘horror’ stories below could have happened with any travel insurance due to not understanding what the policy covers prior to purchasing. Any time I have called CSA, their explanations match the policies verbatim.

I purchased a cancel for any reason policy and it still has been over two months with no resolution on my claim. They have lost paper work, etc. Next stop is insurance commissioner and lawsuit. What a waste of time…

VIDAL INFORMATION!!! PLEASE READ, DO NOT INSURE YOUR TRAVEL PLANS WITH THIS COMPANY… I purchased a cruise on the Royal Caribbean, with my neice who lives in Los Angeles and I live in San Diego, I was waiting for her arrival at LAX, for our flight to Florida to depart on the cruise… my sister had a severe seizure in route to the airport with my niece, my sister was not going with us! I called immediately to cancel. our trip, I reported it to CSA Travel Services, they continued to want medical reports for my sister whom was not even on the reservation… I lost over $ 6,000 — not chomp change at least not for me!
I have gone back and forth with them for almost one (1) year, I have never received my money back.
The HIPPA Law requires all medical. information to remain confidential– go through a perpetual company not these people, they are out to get your money! Giving them one star is way to much. But I will proceed

HORRIBLE HORRIBLE HORRIBLE
I purchased this insurance because my wife is pregnant and months prior to our due date, you never know what can happen. A week before our doc told us it wold be wise to stay in town due to a medical condition and so we cancelled our trip to the mountains. I filled out everything and it wasn’t good enough. They said they don’t cover «normal pregnancy’s» Obviously a «Medical Condition» is far from a normal pregnancy. So we argued and argued and the they said have your doc fill out all of these forms because on the insurance policy it states having a «Medical Condition» is good for reimbursement. Hints this is the only reason why we purchased this horrible insurance in the first place. After our doc went out of his way and filled out all the pages, they are still fighting us and giving my wife a hard time. Its not like we aren’t going through a lot as it is. These people are down right rude and uneducated and they WILL NOT have your back. I wish I would have others reviews before we purchased this. Either way we will be reimbursed either by our CC company or small claims court. Its pathetic that we have to go through such extreme measures just to get what rightfully ours. I hope anybody doesn’t have to deal with Chanel. I also with there was a minus zero star rating!
Update 3−23−15
Upper management contacted me about our case. She was very nice and was happy to reimburse us.

The very best and most reasonable travel insurance one can get!
I have purchased travel insurance through this company many times, as they are the company that vacations to go uses. I had never put in a claim with this company until recently.
I was unable to go on a cruise due to a close family member having a medical issue and hospitalized 30 hours before my ship sailed. Besides cancelling the cruise with the cruise line, and vacations to go, I had called CSA FIRST. They read the part of the policy that pertained to my situation, over the phone to me. They also told me what documents I would need, so I could obtain them immediately from the Drs and hospital. They never guaranteed I would be reimbursed before reviewing the whole claim, but when you absolutely can’t go, one takes their chances.
I was so busy and devastated at the turn of the events, I didn’t mail the claim form and information for a couple months. About a month after that, I received an email asking to confirm my address to send a check.
I received a full refund, and a refund of insurance money. Cost of insurance is never given back by Princess cruises. Not to mention, the cost of CSA travel insurance was cheaper than the cruise line also.
I can’t say enough about the wonderful people CSA has working for them. They are good honest people.
From here on out, I will never book through the cruise line, and will be faithful to Vacations to go and moreover to CSA Travel Protection.

I have always used CSA for my travel (cruise) insurance. We have had very good luck with them and continue to use them.
My suggestion when buying insurance like this is to contact them via phone and discuss your needs and wants BEFORE purchasing. There are many reasons why insurance companies have restrictions and you should be well aware of them prior to your purchase.
Although I understand how many folks feel when their insurance doesn’t cover them, reading the fine print BEFORE PURCHASING will put to rest any of these reasons why you are or are not buying insurance for your holiday/​trip.
CSA is one of the better companies out there in the marketplace and being an informed consumer should help you make a much better purchase in the future.
No, I am not a company person, I am a retired traveler that just knows the score when it comes to trip insurance! Thank you CSA! We are very thankful you are a good company!

I purchased their «Luxe» Plan. The most expensive plan they offer for a Cruise to Europe and Airfare. In Rome I stabbed myself in the Eye. I called them to see a Dr. because in my policy it states that if I use their «In Network» Doctors I would not have to pay anything out of pocket up to $ 1000.00. Now mind you this was an Eye injury and they sent and Internal Medicine Dr. to look at it. I understood that they needed to have my eye checked by a Dr. BEFORE they would refer me to a Specialist and they told me this as well. OK now this is where my nightmare begins. The Dr. gives me a referral to a Specialist and tells me CSA will call me within an hour (he had to send them a report). So we waited in our VERY EXPENSIVE HOTEL Room for them to call (instead of enjoying outside) ALL DAY!!! I finally decided to call them and when I did NO ONE knew about my case and the lady that started it «Peggy» was now off of work. So they said they would look into my case and call me back. Again NO ONE called me back. I called them and they told me they would not get a report from the Dr. until Monday. (This was Friday when it happened and I started the case). I told them I had a referral and could get that to them they said they needed the report and there was nothing I could do UNLESS I wanted to go to a Specialist and pay for it myself but there would be no guarantee of payment. I told them over and over that I had the «Luxe» plan and that they were suppose to get me to see a Specialist. They said they were sorry and there was nothing more they could do for me. OK NOW… I decided that I will wait until I get home (which would be Monday to see a dr. in the states. (I had a friend that was a PA look at it and he said as long as it wasn’t itching I should be OK) As mad as I was with CSA I just decided to enjoy the last few days of our vacation and keep a close look out on my eye.
Well Saturday comes and we get a call from «Peggy» the one that opened my case she wanted to know how it went with the Specialist. I told her I never saw one because they told me they needed the report from the Dr. and they wouldn’t get that until Monday. She said that wasn’t true that they had the report ONE HOUR AFTER I SAW THE DR. I was so upset at this point and told her everything that went on. She said she thought I should see a Specialist because I was flying home and in case there was any pressure build up in my eye she didn’t want me to have any problems. She told me she would call me back… OK PEOPLE… AGAIN we waited all day for her call and never received one so I called them and AGAIN she had gone home and NO ONE KNEW ABOUT MY CASE!!! I said you have got to be kidding me. So after a very unpleasant phone call with CSA and them telling me it was MY responsibility to go to the DR. I hung up. WE WASTED TWO DAY IN ROME WAITNG FOR PHONE CALLS FROM THEM BECAUSE THEY TOLD ME THEY WERE SETTING UP AN APPOINTMENT FOR ME!!! However, their ²⁴⁄₇ EMERGENCY care does not mean that you will get care ²⁴⁄₇ because people just leave their jobs and don’t pass on your case file. THIS IS THE MOST INCOMPETENT COMPANY I HAVE EVER SPOKEN TO.
I have bought their insurance several times before and haven’t had to use it. So just think of that when you do have to use it you might not get what you paid for. This was their International EMERGENCY MEDICAL TEAM that I was working with and they couldn’t even get me to see the Dr. I needed to. God help you if you have something more major than what I had.
I will NEVER NEVER NEVER NEVER buy their insurance AND I am going let as many people that I know what HORRIBLE CUSTOMER SERVICE they have.
Buyer Beware!!!

I purchased insurance through CSA sold by Vacations To Go after I bought a cruise for me, my wife and my daughter. I was in Afghanistan on my second combat tour and wanted to do something nice with my family upon my return and with never knowing exactly when or what could happen with the Army, I decided to buy insurance for protection.
I was injured in Afghanistan and sent to Ft Lewis, WA to recover and was unable to go on our cruise. When I contacted Vacations To Go and CSA I was told to fill out some forms and get a few doctor’s signatures and we would be refunded. After a few weeks of runarounds, CSA informed me that they were not going to honor the policy because I was injured due to an act of war.
It’s amazing to me that they’ll go ahead and sell me a policy in case something happens and when the exact thing happens that I’m supposed to be covered for they can just refuse to pay. I’m not even sure what recourse I have now.
I had used Vacations To Go before on two other cruises and bought CSA Protection for each of those and since I never had to use it, I assumed it was a good thing. After this experience, I will never use CSA again nor will I ever recommend them.
Note:please see my updated review of Vacations To Go.
I sent this to Kathy T in response to her post:
If you «respected service members’ needs» this provision would never be in place to begin with. Anything that comes up that we would need to use insurance for, could have resulted from an act of war. Be it a change of orders (which mine technically were since I had orders sending me to Ft. Lewis) to missing a helicopter flight off my COP to go home because they needed the helo somewhere else (act of war?) to getting blown up.
As an infantryman I lived on a tiny Combat Outpost in the mountains of Afghanistan on the Pakistan border and purchased this trip while traveling through a base with internet and phone connection. I had all of a few hours to find and purchase something nice for my family. Since time was a factor I had to rely on the salesperson to explain my coverage to me. I explained what I needed and why I needed it and was sold coverage. The same thing I had done on my previous tour to Afghanistan.
After getting injured and returning back to the US I was made to jump through hoops to get you the proper medical documents you required of me and after a few weeks you denied my claim.
I should have never been sold the policy to begin with and without the policy I would have never purchased the trip.
On another note; while speaking to someone in your office, I was told that he would «no longer speak to me about this since I threatened legal action». That was untrue. I said that I would go speak to our JAG office on base (there’s nothing that JAG can do outside of the military) and ask them for advice since I know that as a service member there are certain laws in place to protect us while deployed. Very unprofessional.
I stand by my decision to never use your «services» again and I will never recommend you to anybody, civilian or service member, again.