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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

Loading Reviews ...
stan.chaffin75
1/7/2021
DO NOT USE!! BIG WASTE OF YOUR MONEY!! Took the insurance for a summer vacation planned for 2021 from the VRBO website. A work conflict with a family member required us to cancel our reservation with VRBO. This is why we took the insurance. Upon contacting CSA Travel Protection we were given a list of "requirements" that we had to send to them (notarized documentation of why we had to cancel, bank records showing where we had paid for the condo, notarized documentation of the work conflict, a written request to the insurance company and then they would review our claim, and make a determination in 30 days IF we got our money back. We were led to believe if we cancelled, they took... Read More


dand8318
12/15/2020
Do not waist your money. We had a policy to cover damage on a VRBO. The owner of the property kept most of the damage deposit and said that he did not know a thing about the policy. We bought the policy on the VRBO web site when we booked the property. I can not get the owner to furnish all the necessary invoices. When I call CSA they take for ever to answer the phone and just give me the run around. They do not return phone calls and hope that I will just give up. Why buy a policy if you have to take the landlord to court to file a claim?


rcheckai70
12/4/2020
Rip off artists of the travel policy business. Take a person's money then call it insurance, Ha Ha what a joke! Just try and file an honest claim and you get a reason why they will not pay a claim, just becomes an outrageous paper chase. The suckers who unfortunately did not read these consumer reviews and pay good money thinking they are covered will get an unpleasant surprise if a claim is made. They make sure there are enough loopholes in policies it's like swiss cheese; a consumer finds out the hard way. They should be banned from selling their insurance scams in the USA. Shut the dogs down!!!


lmeser61
12/1/2020
BEWARE Consumers! DON'T WASTE YOUR MONEY ON THIS INSURANCE COMPANY. I wouldn't recommend you buying ANY travel or other insurance from this company. They will find all kinds of reasons why they can't pay a claim. Don't waste your money on buying a policy from these people; it's totally useless. You'll just be lining their pockets!! Their travel insurance is such a scam!


guywithgrenade
11/24/2020
SCAM. I recommend not using. They will not honor their insurance and this is a complete scam.


C
Chris
10/19/2020
The insurance is essentially a scam. My father has had cancer twice and gone through treatments two different times. He was provided a letter from his doctor stating he should not travel because he was a much higher health risk if he contracted Covid-19. He cancelled his trip and provided the doctor's letter to CSA. However, they denied his claim since he was not sick with cancer at the time he took out the policy, nor did he actually contract Covid-19 during the policy period. What is the insurance actually good for?


A
Amanda
10/7/2020
I disagree with this rating. When booking a VRBO place, do not include CSA Travel Protection Insurance. Right now it is hard to think about traveling given the pandemic we are in but my husband, daughter and I decided to book a week long vacation after not traveling for almost a year. We thought we would be safe and add this insurance. Well the fires hit California making our intended places of travel a horrible place to be in - close proximity to fires and evacuated areas, poor and unhealthy air qualities (I am pregnant and my daughter is 2 years old), and recommendations by both areas to stay indoors where AC was not available and heat was at an extreme high. CA was in a state of... Read More


Cindy F
10/5/2020
This Company is A Rip. They will find any reason to not pay a Claim. I mean what is the point to have insurance for a Hurricane 6 months in Advance before a trip.. Here is their response to my claim "The effective date of your policy is 09/18/20, and Hurricane Sally was named a hurricane on 9/14/20. As the hurricane was named prior to the policy effective date, and was reasonably foreseeable, no benefits are payable for your claim" Look these guys up. All Bad Reviews


G
Gary
9/28/2020
What a ripoff from CSA Travel Protection. My wife was laid off before the beginning of our vacation. A big wage difference so we cancelled the vacation. CSA's Covered Events #11 "Your layoff...," covers my wife's layoff. The CSA reps say no. Never, never deal with CSA.


junior75doctor
9/22/2020
Worst travel insurance company ever! I was forced to cancel my trip due to Covid-19 and several very high risk family members. It took over a month to get a response to my claim. 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 NOT covered. Why have travel insurance? Companies like this should not be in business!



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