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CSA Travel Insurance Review


ConsumersAdvocate.org Rating: 3.4 / 5 (Very good)
114 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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114 Customer Comments & Reviews

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Kelsey G
5/22/2019
Total fraud. Do not use. Says you can cancel in 10 days but I called and for 20 minutes she said she was cancelling the insurance and after being on hold on and off said sue was going to transfer me. I said I will just call the fraud department at my bank. Completely unacceptable! They don't even cover anything anyway. Used once a long time ago and my husband had fallen 15' off a ladder and was hurt and that wasn't a good enough reason to cancel. Ridiculous!


Salvatore B
3/25/2019
It is not clear upon purchase of the CSA travel insurance that it will only cover expenses purchased through Justfly. Even though the coverage benefits indicate that 100% of travel expenses are covered, if these are not purchased through Justfly they will not be covered. Their sales pitch is very unclear and easily misunderstood, as you can tell from the negative comments below this company should be avoided, if only I had read them before purchasing the insurance.


R
Robert W
3/22/2019
Unethical cheats!!!! If you get a diagnosis of CANCER, they will claim its a Pre-existing condition. They will charge you 10% of your trip cost and then pay you NOTHING! Be Warned. They are cheats, particularly if you are diagnosed with a serious illness. They will claim that ANY doctor visit in the preceding 60 days proves it a pre-existing condition


B
Bradley S
2/7/2019
I am a vacation rental owner, I filed a claim with pictures with CSA travel protection on a guest damaging a couch & loveseat. It took them over 2 weeks to respond, they requested quotes from furniture stores, requested quotes for upholstery cleaning. Being out all that time and frustration. Now there requesting upholstery repair and not wanting to replacement. This company give the runaround and refuses to pay the claim. Please notify this company to be false insurance! Do not expect this company to do whats right or treat you fair. Please direct me to where I can get more notice to file a compliant on this company.


Chris H
12/29/2018
CSA will take your money but just try to get them to reimburse you for anything. We paid them $2000 to insure our trip. When we had a trip interruption in Africa due to a flight cancellation, we tried to get reimbursed for the lost hotel expenses (we forfeited a pre-paid hotel). When we filed a claim they required the reason for the cancellation. All the airline (Air Kenya) could give us was "operational reasons". Still, CSA refused to pay. If there ever was a legitimate reason for a claim, this was one.


C
candace.scott
11/8/2018
I purchased CSA travel insurance through the property rental website. I purchased the insurance because I have an elderly mother who we planned to give the family trip to as a gift for her 85th birthday. My mother's condition deteriorated, and when we called her physician to see if she was fit to travel, he specifically said she could not travel with her breathing issues, much less to a region with a high altitude. I called the property management company, and they told me it was a good thing I had purchased the insurance to cover my $800 down payment. I cancelled the reservation, and downloaded the forms to make my claim to CSA. I had two different doctors fill out forms that said... Read More


Victoria O
9/26/2018
I don't see how they have a 6.8 rating out of 10 when there are so many negative reviews. Like a previous reviewer, I took out CSA travel insurance on a NC beach house. We had a mandatory evacuation and they did not cover anything because I had trip cancellation insurance rather than trip interruption insurance. I was told if they issued an evacuation before I left, then I could have cancelled and been covered. This is a huge rip off. If you buy travel insurance you should be covered if you have a major hurricane forcing you to leave early. I will never waste my money with this worthless company again. Lesson learned.


R
Rebecca
9/17/2018
I bought trip insurance through CSA and when I had to change my trip, for reasons which were apparently not covered they reimbursed nothing - I hadn't even left on my trip and they wouldn't budge to have the insurance change my new travel dates. What a load of crap, would never recommend this company.


T
Teresa C
9/8/2018
I purchased travel insurance through the CSA web site in case we had to cancel our trip to the beach due to hurricane season. When it became apparent that we may have to cancel our trip due to hurricane Florence, I called CSA to see what our options were. I was told by a representative named Alexander that our insurance policy would not cover trip cancellation due to the hurricane. He said we did not purchase the insurance enough days in advance. I told him that there were no purchase restrictions or time constraints mentioned on the web site. I told him that the web site should not have let me purchase the insurance if there was a time constraint. He said the web site doesn't look at... Read More


Bill T
9/5/2018
I purchased travel insurance through CSA for an upcoming trip to Yosemite National Park, and unfortunately we had to cancel because of the wildfires. In my claim form, I noted that all major roads and entrances for our destination were closed due to the fires and there were mandatory evacuations issued for parts of the national park we were set to visit. Our trip was scheduled for Aug. 3-8, when major roads & park entrances were still closed due to wildfires, and I cancelled on July 31. The coverage in my insurance explicitly covered the following events (which they copied into my claim denial email): " "8. A mandatory evacuation (or public official evacuation advisement in... Read More



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