Travel Insurance Reviews for Generali Global Assistance Standard

As I had done previously in occasions prior to taking a cruise, I took out a travel insurance policy with CSA Travel Protection, Generali US Branch, New York. Up to now we never had the need to use the insurance coverage in any of our cruises, thanks be to God! Unfortunately, just days prior to our cruise, our son suddenly and unexpectedly became gravely ill and had to be rushed to a local medical center. Sadly, he passed away 3 days later. This took place in early November 2017. Immediately I notified the cruise agency and the insurance company, CSA. I filled out all the paper work they required and submitted it via Certified Mail. It took them a month to assign an agent to our case. Once an agent was assigned and following a number of communications, e-mail and verbal, the agent kept requiring more and more information, even information that had been previously submitted. There was always an excuse, such as "We have requested additional information from your travel supplier or agent" and "We must obtain additional medical information beyond what was provided with this claim", and others. This was as recently as March 18. My wife and I then decided to take matters into own hands and took the initiative to go to the Medical Center and get the information they claimed that they were waiting for, and got it quickly and without any problem. We mailed it to the agent via Certified Mail (as we had done earlier). Finally around April 6, almost 5 months later, the agent called to let us know that we would be receiving the insurance payment, which we finally did receive.
In summary, dealing with CSA Claims was very frustrating. This was as clear-cut, straight-forward and as an uncomplicated claim as possible, yet they kept delaying the claim and showed very little compassion and care for what we were going through, which added to our pains and sorrow during a most difficult time for us. I feel that if it hadn't been because we took the initiative to do the leg work and stay on their back, more than likely a few more months would have passed without resolution to our case. If there is good news, it's that they finally paid the claim. In contrast, I must say that the cruise agent and the cruise line were most helpful, accommodating and compassionate in servicing our needs.
Lastly, I fail to understand why folks give and insurance company a 5-STAR rating when they had no need to file a claim! Those reviews are totally useless!