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CSA Travel Insurance Review


ConsumersAdvocate.org Rating: 3.4 / 5 (Very good)
113 Customer Comments & Reviews - see all comments
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CSA Travel Insurance is owned by Europ Assistance, a company that specializes in emergency assistance services.

CSA Travel Insurance is based in San Diego, California and was started in 1991.

The company mainly offers two types of travel insurance that covers basic items such as trip cancellation, interruption and delays.

CSA Travel insurance optional items include rental coverage and trip cancellation for any reason with its Custom Luxe plan.

How is CSA rated?

Breakdown

3.5/5
Coverage
3.5/5
Extra Benefits
3.0/5
Financial Strength
3.5/5
Price & Reputation

Overall Rating: 3.4 / 5 (Very good)

CSA Travel Protection is one of the leading travel insurance providers in the industry, despite their average financial ratings.

One of the features unique to their plans is their Consult a Doctor service, that puts customers in touch with medical professionals, no matter where they may be.

They offer a wide array of affordable coverage, and their ample array of service providers across the globe ensure that their customers will find the help they need during their travels.

CSA Plans & Coverage

Coverage - 3.5 / 5

CSA Travel Protection offers two coverage plans: Custom and Custom Luxe.

Their basic Custom plan covers the essentials, at good limits, whereas the Custom Luxe also includes generous plan maximums, and a large array of extra features, such as car rental coverage and supplier default.
Available Plans
Comprehensive
Trip Cancelation/ Interruption
Medical
Baggage
Accidental Death
Group
Trip Cancellation/Interruption Coverage
Injury/Illness/Death of Traveler
Natural Disaster at Destination
Terrorism/Evacuation at Destination
Emergency Medical and Emergency Transportation Coverage
Doctor, Hospital, or Other Licensed Provider
Emergency Medical Evacuation/Repatriation
Baggage Coverage
Lost/Damaged/Stolen
Baggage Delay Coverage

Emergency Medical Coverage Details

Emergency Medical Pre-Existing Condition Coverage
Maximum Emergency Medical Reimbursement
$250,000
Maximum Emergency Medical Evacuation Reimbursement
$1,000,000

Baggage Coverage Details

Maximum Baggage Reimbursement
$2,000

CSA Financial Strength

Financial Strength - 3 / 5

CSA is underwritten by Generali, an Italian insurance company founded in 1831, and the second largest insurer in the world by revenue in 2010.

Despite the long history of their parent company, CSA itself has standard financial ratings with A.M. Best and Moody's.
Underwriter
Generali
Moody's Financial Rating
Baa2
AM Best Financial Rating
A

CSA Price & Reputation

Price & Reputation - 3.5 / 5

CSA Travel Protection enjoys an excellent A+ rating with the BBB, notwithstanding their 45 negative reviews.

The company has shown willingness to consistently address customer complaints and give feedback on any issues, which generally have to do with the fine print on their contracts.
BBB Rating
A+
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
45
Date Collected
2018-01-16

CSA Customer Assistance Services

Extra Benefits - 3.5 / 5

CSA Travel Protection offers 24 hour global support and a large array of assistance services, including eyeglass and medication replacement, return travel arrangements, emergency cash transfers, and identity theft resolution services.

With more than 108,000 service providers worldwide, CSA's assistance is never more than a phone call away.
24/7 Support
Mobile App

Travel Assistance Services

  • Return Travel Arrangements
  • Rebooking
  • Lost Baggage Search
  • Lost Passport/Document Assistance
  • Emergency Cash
  • Translation Services
  • Legal Assistance Referral
  • Roadside Assistance

Emergency Medical Assistance Services

  • Physician Referral
  • Emergency Medical Case Management
  • Arrange Medical Payment Where Available
  • Emergency Prescription Replacement
  • Eyeglass Replacement Assistance
Display Less
2 More

Concierge Assistance Services

  • Restaurant/Event Referral and Reservation
  • Ground Transportation Recommendations


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113 Customer Comments & Reviews

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v.m.cardona1085
9/13/2020
If I could leave a zero star review I would. This company takes advantage of its clients by making them jump through hoops with providing ridiculous amounts of paperwork, and later claiming that the "proof" is not enough. My wife was put on a mandatory quarantine by her physician because we unexpectedly, but happily, found out she was pregnant. After her doctor provided her with a letter stating that she would be forced to quarantine and that she would be unable to travel. This "company" then responded that a licensed doctor's note would not be sufficient and that they would need her medical records. Confidential, private medical records. This is unacceptable and abhorrent. My... Read More


Werner P
8/26/2020
DO NOT BUY THEIR INSURANCE, HORRIBLE COMPANY, YOU HAVE TO SUBMIT SOO MANY PROOFS, HASSLE TO FILE A CLAIM, NOT WORTH THE MONEY ............ UNLESS YOU HAVE SOMETHING SERIOUS GOING ON LIKE ACCIDENTS ETC


globetrotterz90
8/23/2020
I had to cancel my vacation because of covid. I paid CSA a substantial premium for travel insurance. I filed a claim and after being ignored by them for months they denied my claim. They said "Fear of contracting a disease is not a covered event and would not be considered."


S
Susie
8/13/2020
My trip was cancelled during the initial COVID outbreak the owner and after receiving a full refund of all fees from VRBO and an email from VRBO instructing me to contact CSA Travel for a full refund of the insurance I purchased, I have emailed them 4 times since April. The first time they asked for proof of cancellation, which I sent. Nothing happened. the second time I emailed they asked for proof again, sent it again. No response. I have emailed twice more and included the copy of the instructions from VRBO and have heard nothing back. I wish there was some legal recourse. I can only imagine what people go through if they file an actual claim. Horrible company!


Kimberley L
8/12/2020
This company is a total rip off and this is why... first of all they have written in fine print everything so they don’t have to pay up! With the pandemic they state they will not pay out, but also say that they will pay out if you are quarantined. Oh, but if you are quarantined because of the pandemic you’re not covered! This is a prime example of double talk and this is a buyer be warned, that this company will find a way not to pay out on their policies. With that being said they requested that I give them full access to all my personal information including a pass on all HEPPA laws to access ALL my medical records even those that had nothing to do with my quarantine! Run from... Read More


marcnegronpersad
8/2/2020
Worst travel insurance company. I was forced to cancel my trip due to Covid-19 and the fact that U.S. tourists are currently banned from travel to EU. It took over a month to get a response to my claim (which required the submission of multiple documents ). They finally sent me an email denying my claim. They stated that anything related to Covid-19 including quarantine or gov't restrictions, cancellation of flights etc are conveniently NOT covered. Here is their statement verbatim: The policy states that any loss resulting from, “travel restrictions imposed for a certain area by governmental authority”, is excluded from any potential coverage. Additionally, the policy does not... Read More


chuckymc75
8/1/2020
I bought travel insurance for a trip to Hawaii, and the next day the governor of Hawaii instituted a 14-day quarantine due to COVID-19. I emailed CSA to get a refund since we were well within the 10-day "free look" period. This was in March. I have now emailed them three times in the past four months asking about my refund, and they have not replied at all. I am hoping to find a way to pursue legal action against them to get my money back, but in the meantime they will be getting horrible reviews on every business-rating platform I can find.


R
Ronald E
7/25/2020
This so called INSURANCE company needs a class action law suit! So after contacting and having our groups claimed denied due to a national emergency, Covid 19, found out some interesting things. 1 This is nothing more than a money make scam company. 2 It's parent company is Expedia. 3 It's fine print on their contracts are, get this , 5 pages long and open ended to change with any possible emergency cancellation. 4 According to VIBO property owners, this company never ever pays out a claim. 5 the claim phone number is nothing more than a recording with promps that lead to a dead end hang-ups. There's no rating system low enough to rate them !!!!


wendy.waltmire
7/21/2020
I 100% agree with previous complaints!! DO NOT use this insurance. They state that COVID 19 was a "foreseeable event" event as of Jan. 29, 2020. We purchased our insurance on Jan. 20, 2020. My parents are 80 & 76 and my mom is on full-time oxygen. She in NO way should be traveling yet they will not honor our insurance because she had a pre-existing condition. However, it didn't become a "condition" that would hinder her from travel until COVID-19 was declared a WORLDWIDE PANDEMIC in March!!


eunhakim11363
7/21/2020
do not buy this insurance. do not work with Vrbo which partners with CSA. despite meeting their cancellation criteria due to COVID related quarantine requirement (a new development since the contract) , this company refuses to reimburse the expense. they offer a token voucher for the fee they charged which is $82.46. Vrbo which uses CSA as their contract is mum about this. CSA is not responding to my repeated appeal requests. this amounts to a fraud.



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