I purchased travel insurance for peace of mind, if something should go wrong with my trip. Well something did go wrong and I had my pocket picked in St. Petersburg Russia on my first day of arrival. It had my ID and credit cards and a lot of cash.
Suddenly I was with very little money only enough to last a day or two. I had to go thorough extreme red tape to get money from my credit card company, and I spent days dealing with multiple police reports, so I could make an insurance claim.
I also contacted CSA through email telling them I was in despite trouble and needed emergency cash immediately They never helped me!
After about four days of this and not getting my credit card in time. I realized if I did not return home immediately I would become destitute without money in a country I couldn't even speak the language.
With great sadness I had to cancel my trip.
When I returned home I spent hours gathering up information and composing a detailed report of my situation and experience along with a police report of my losses. After two weeks I heard back from them telling me they are giving me essentially nothing! They are cold-blooded people who do not care about your misfortune; they are only interested in getting your money. DO NOT USE THEM!
Below is other people they screwed:
http://www.travelinsurancereviewer.com/insurer-reviews/csa-travel-protection
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