Help! This travel insurance excludes an unconfirmed diagnosis

Oh, the things travel insurance companies do to weasel out of a claim.

If you don’t believe me, talk to Dawn Walker, who contacted our advocacy team when CSA Insurance turned down her claim after her father-in-law suffered a breakdown on a trip to Greece.

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The unsettling truth about travel insurance

Mike Brake / Shutterstock.com
Mike Brake / Shutterstock.com
CSA Travel Protection’s Web site promises that its policyholders can “travel with confidence,” so when Norma Tarrow’s flight from New York to San Francisco was canceled after the recent Asiana Airlines crash landing, she felt protected, she says.

But she wasn’t, at least not in the way she thought. When she filed a claim for the $565 she had to pay for a new flight when her trip was interrupted, her insurance company turned her down, saying that the flight cancellation wasn’t a “covered reason” under her policy.

Her request didn’t seem unreasonable to Tarrow. She was in a wheelchair recovering from surgery when the aviation disaster left her stranded in a JFK terminal. Her airline told her that the soonest it could fly her home was two days later, so she asked her son to book a ticket to San Jose on another airline. If ever there were a time to invoke insurance, it was then.

“They weaseled out of paying a claim,” says Tarrow, a retired college professor who lives in San Mateo, Calif.
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Insurance claim denied because of … air traffic?

Arthur Ruffino’s travel insurance claim is a real heartbreaker, for several reasons.

First, he did everything he could to make sure he was covered by his CSA policy, but was still denied.

Second, his well-reasoned appeal went nowhere. And finally, even though I agreed that his case should be granted another review, the insurance company dug in its heels.
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