I had the most informative gentleman help me deside the best plan for me He had many years with company And Lisa when I had to cancel my trip wasVery helpful They are truly customer friendly A star compsny
The Cancel for Any Reason benefit provides reimbursement if the plan is purchased within days of the deposit for the trip or full trip payment The plan was purchased via the website [redacted] The website states the Cancel for Any Reason coverage is available if you purchase your plan within days after making your initial trip payment If you enter in a date of deposit more than days prior, the website states that the coverage is not available The date of deposit on the application entered was 12/14/ Upon review of the claim, the actual deposit date was 11/17/14, disqualifying the Cancel for Any Reason coverage The reason for cancellation is unfortunately not a covered reason under the plan; therefore, no benefits are payable
We received the insured’s documentation on 05/05/The claim was processed and payment in the amount of $was made on 05/08/This payment is for the penalty incurred minus the non refundable insurance premium
We apologize for the miss-communication and inconvenienceAfter additional clarification was received, we completed the claim review on 5/24/ Roman" size="3">
Complaint: [redacted] I am rejecting this response because: As of January 1, health insurance companies are BARRED from declining people coverage due to a pre-existing conditionWhy your organization, as a TRAVELERS insurance, feels it is within your right to continue this archaic practice is beyond meAnd as I have said many times; My father in law WAS NOT AWARE he was ill until he DIED He received no treatment for his illnessHe was admitted into the hospital and he DIED less than a week later.I did receive an update that they said they not have received the medical records and that our claim is being expedited, of which I am gratefulforI am eager to see how this will be concluded Sincerely, [redacted] ***
Complaint: [redacted] I am rejecting this response because:WHAT YOUR STATING THAT NCL DID WAS NEVER EXPLAINED TO ANYONE DURING THE PROCESSIF THE $WAS A GOOD WILL CREDIT FOR [redacted] ***, IT SHOULD BE REISSUSED TO [redacted] IN GOODWILL IF I'M UNABLE TO TRAVEL BECAUSE OF ILLNESS Sincerely, [redacted] ***
January 22, Complaint ID [redacted] The customer submitted a claim for Trip Interruption benefits under the Worldwide Trip Protector Plan The trip interruption benefit reimburses up to 150% of the total amount of coverage purchased Per the confirmation of benefits the customer insured a trip cost of $and is covered for a maximum trip cost of $ The plan was purchased by the customer online through [redacted] The confirmation of benefits was sent to the customer the same day the plan was purchasedWhen asked, the customer acknowledged receipt of this document showing the $trip cost insured Therefore, based on this information the maximum amount payable for the additional transportation expenses under Trip Interruption is $Unfortunately, the customer is not eligible for further reimbursement
Thank you for the opportunity to review the documentation again On 2/15/we received confirmation from the insured’s travel agent that the hotel in [redacted] did not offer a refund for the first night and also charged her for the last night Therefore, we can pay for those charges under the Travel Delay benefit, but not to exceed $per person Accordingly, tomorrow we will send the insured a check for $
The airlines canceling and/or changing a flight prior to the insured’s scheduled departure date is not a covered reason under the plan and therefore, benefits are not payable The insured’s plan has a fourteen day look provision that gives her the right to cancel her plan and get a full refund of premium if a written request is given to us within days from the effective date of insurance Since she did not request a cancellation within days from 10/16/15, the effective date of insurance, she is not entitled to a premium refund
Sickness is a covered reason for cancellation if it necessitates medical treatment at the time of cancellation and results in medically imposed restrictions as certified by a legally qualified physician The insured submitted his claim with no medical documentation Our office requested to have the Physician that was indicated on the trip cancellation claim form to complete the required form on the insured’s behalf The Physician advised they did not treat the patient at time when Insured cancelled the trip We asked the Insured to provide our office with an updated patient planholder’s statement listing the doctor(s) who treated the patient at time of cancellation and the insured advised he will forward this additional documentation to us To date, we have not received anything additional
The plan provides trip cancellation benefits for a sickness which necessitates medical treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents the insureds participation in the covered tripThere was no documentation from a legally qualified physician certifying that a sickness resulted in medically imposed restrictions; therefore, benefits are not payable Under the Cancel For Any Reason benefit the insured must be prevented from taking the covered trip for all reasons up to hours prior to departure Since the incident did not occur hours prior to departure, benefits are not payable
Our insured said that she cancelled her trip because her friend could not drive her to the airport due to icy road conditions This is not a covered reason for payment under the Trip Cancellation/Interruption benefit This benefit provides coverage If weather caused a complete cessation of services of her common carrier for at least consecutive hours however, we have not received documentation to show that The Trip Delay benefit provides payment up to $if a documented weather condition prevents an insured from getting to a point of departure We paid the insured $ We also paid her travel companion $under the travel companion’s policy
April 16, Complaint ID # [redacted] The customer submitted a claim for Trip Cancellation benefits under the [redacted] ***Upon review of the information provided we have determined the claim is not payable as there was no medical treatment at the time of cancellation on 1/2/ Although sickness is a listed covered reason, the policy requires treatment from a legally certified physician at the time of cancellationThe customer cancelled the trip on 1/2/and the only dates of treatment we received near that date were 11/20/ and 12/4/ The analyst spoke to customer on 4/13/and discussed what is needed for further review of the claimCustomer advised that she would obtain additional documentation from the treating physician showing that treatment was ongoing and that it was medically necessary to cancel the trip on 1/2/ Travel Insured has not received the requested documentation
Complaint: [redacted] I am rejecting this response because: the information listed by Travel Insured is not correct I have e-mailed MsRaymer and also Revdex.com indicating our initial policy for this trip was Plan Number [redacted] and the paid date was 7/30/2012, within the day timeframe My understanding from [redacted] Travel, agent for Travel Insured, is that when we met a certain monetary limit for the trip, TI issued another policy In my original documentation Attachment shows the payment for the policy AND the refunds for the original policy Thus we were insured by TI for this entire trip from 7/30/ Sincerely, Mary King
The policy requires the filing of a loss report with the authoritiesThe insured did not file a report and under the circumstances he described, we will pay his claim 0in;">The policy pays for the actual cash value (cost less proper deduction for depreciation) at the time of loss, up to $per itemThe insured stated that the lost items cost $and $Since he did not have proof of those payments we applied a 50% depreciation factor If the insured provides receipts, we will adjust the claim payment
December 29, Re: [redacted] ID # [redacted] Plan # [redacted] Ms [redacted] submitted a claim for Trip Cancellation benefits under her [redacted] Deluxe Ticket Protector PlanUpon review of the information provided we have determined that her claim is not payable Ms [redacted] ’s claim was first created on August 18, due to employer terminationClaim forms were then emailed the same day as there is coverage if the insured is prevented from taking or continuing the covered trip if the insured's or insured’s traveling companion are laid off from employment On October 2, 2014, we received her claim forms along with the supporting informationUnder the brief explanation for the circumstances of Ms [redacted] ’s claim, she indicated she canceled her trip due to the illness of her teammate canine and removed from the world championship teamShe also indicated her canine is a registered emotional support animal that without it she cannot fly This reason was not consistent with the one provided when her claim was first initiatedClaims Analyst [redacted] *** contacted Ms [redacted] on October 10, to discuss the reason for her claim She stated the event was canceled and she was taken off of the championship teamHer dog was ill and so she canceled her tripWhen the Analyst inquired about the employment termination reason, Ms [redacted] stated she chose to leave her job due to unpleasant circumstancesMs [redacted] did not want to pursue her claim under employer terminationMs [redacted] was then advised there were covered reasons for cancellation under her policy and an illness of her canine is not a covered traveling companion as defined in the policyShe responded that she would be contacting her lawyer and will continue to pursue the appeal until the claim is paid A copy of her policy along with her original declination letter was emailed to her by the Analyst on December 18, The Analyst pointed out that the policy’s document lists the covered reasons for Trip Cancellation and the policy’s definition of a traveling companion means a person She was advised her canine traveling companion, even though it was an emotional support animal, is not a covered reasonUnfortunately, the illness of an animal is not a covered reason for cancellation and was advised that was the reason for her denialShe was encouraged to submit additional information if she felt our information was incorrect
NCL has confirmed that the $was for a good will credit The policy reimburses your prepaid, unused, and non-refundable trip cost paid when prevented from taking your trip due to a covered reason The policy does not reimburse credits or discounts applied to a booking When the 2nd traveler cancelled their trip, the $credit that was applied to the booking was transferred to the 3rd travelerThe credit was used as the 3rd traveler went on the cruise
travelers were insured with a per person trip cost of $There were travelers on this tripThe size="2">rd traveler, a child was not insuredThe second traveler cancelled their trip on 1/2/and received a refund from the cruise line for the taxes paid in the amount of $TII then reimbursed the 2nd traveler’s cancellation penalties in full at 100% reimbursement for $on 2/16/ Both travelers insured by TII had a $credit applied to their booking for a discounted fareThe policy reimburses your prepaid, unused and nonrefundable trip cost paid when prevented from taking your trip due to a covered reasonThe policy does not reimburse credits or discounts applied to a booking The 1st traveler also submitted a cruise debarkation invoice showing all the charges traveler and incurred while on their trip aboard the cruise ship totaling $in service feesThese expenses were for travelers and and were not prepaid non-refundable expenses; therefore, are not refundable under the policy
The insured’s policy provides reimbursement for the cost of the ticket or the reissue fee charged by the airline if the travel supplier cancels the Covered Trip. #1f497d;"> We have made the following additional payments: $1736.60 for the additional airfare $118.00 for transfers The hotel costs of $160.38 are non-refundable under the policy.
I had the most informative gentleman help me deside the best plan for me He had many years with company And Lisa when I had to cancel my trip wasVery helpful They are truly customer friendly A star compsny
The Cancel for Any Reason benefit provides reimbursement if the plan is purchased within days of the deposit for the trip or full trip payment The plan was purchased via the website [redacted] The website states the Cancel for Any Reason coverage is available if you purchase your plan within days after making your initial trip payment If you enter in a date of deposit more than days prior, the website states that the coverage is not available The date of deposit on the application entered was 12/14/ Upon review of the claim, the actual deposit date was 11/17/14, disqualifying the Cancel for Any Reason coverage The reason for cancellation is unfortunately not a covered reason under the plan; therefore, no benefits are payable
Some of the documentation was overlooked in the review of the claimWe apologize for the delay in completing the reviewPayments have been issued
We received the insured’s documentation on 05/05/The claim was processed and payment in the amount of $was made on 05/08/This payment is for the penalty incurred minus the non refundable insurance premium
We apologize for the miss-communication and inconvenienceAfter additional clarification was received, we completed the claim review on 5/24/ Roman" size="3">
Complaint: [redacted] I am rejecting this response because: As of January 1, health insurance companies are BARRED from declining people coverage due to a pre-existing conditionWhy your organization, as a TRAVELERS insurance, feels it is within your right to continue this archaic practice is beyond meAnd as I have said many times; My father in law WAS NOT AWARE he was ill until he DIED He received no treatment for his illnessHe was admitted into the hospital and he DIED less than a week later.I did receive an update that they said they not have received the medical records and that our claim is being expedited, of which I am gratefulforI am eager to see how this will be concluded Sincerely, [redacted] ***
Complaint: [redacted] I am rejecting this response because:WHAT YOUR STATING THAT NCL DID WAS NEVER EXPLAINED TO ANYONE DURING THE PROCESSIF THE $WAS A GOOD WILL CREDIT FOR [redacted] ***, IT SHOULD BE REISSUSED TO [redacted] IN GOODWILL IF I'M UNABLE TO TRAVEL BECAUSE OF ILLNESS Sincerely, [redacted] ***
January 22, Complaint ID [redacted] The customer submitted a claim for Trip Interruption benefits under the Worldwide Trip Protector Plan The trip interruption benefit reimburses up to 150% of the total amount of coverage purchased Per the confirmation of benefits the customer insured a trip cost of $and is covered for a maximum trip cost of $ The plan was purchased by the customer online through [redacted] The confirmation of benefits was sent to the customer the same day the plan was purchasedWhen asked, the customer acknowledged receipt of this document showing the $trip cost insured Therefore, based on this information the maximum amount payable for the additional transportation expenses under Trip Interruption is $Unfortunately, the customer is not eligible for further reimbursement
Thank you for the opportunity to review the documentation again On 2/15/we received confirmation from the insured’s travel agent that the hotel in [redacted] did not offer a refund for the first night and also charged her for the last night Therefore, we can pay for those charges under the Travel Delay benefit, but not to exceed $per person Accordingly, tomorrow we will send the insured a check for $
The airlines canceling and/or changing a flight prior to the insured’s scheduled departure date is not a covered reason under the plan and therefore, benefits are not payable The insured’s plan has a fourteen day look provision that gives her the right to cancel her plan and get a full refund of premium if a written request is given to us within days from the effective date of insurance Since she did not request a cancellation within days from 10/16/15, the effective date of insurance, she is not entitled to a premium refund
Sickness is a covered reason for cancellation if it necessitates medical treatment at the time of cancellation and results in medically imposed restrictions as certified by a legally qualified physician The insured submitted his claim with no medical documentation Our office requested to have the Physician that was indicated on the trip cancellation claim form to complete the required form on the insured’s behalf The Physician advised they did not treat the patient at time when Insured cancelled the trip We asked the Insured to provide our office with an updated patient planholder’s statement listing the doctor(s) who treated the patient at time of cancellation and the insured advised he will forward this additional documentation to us To date, we have not received anything additional
The plan provides trip cancellation benefits for a sickness which necessitates medical treatment at the time of cancellation and results in medically imposed restrictions, as certified by a Legally Qualified Physician, which prevents the insureds participation in the covered tripThere was no documentation from a legally qualified physician certifying that a sickness resulted in medically imposed restrictions; therefore, benefits are not payable Under the Cancel For Any Reason benefit the insured must be prevented from taking the covered trip for all reasons up to hours prior to departure Since the incident did not occur hours prior to departure, benefits are not payable
Our insured said that she cancelled her trip because her friend could not drive her to the airport due to icy road conditions This is not a covered reason for payment under the Trip Cancellation/Interruption benefit This benefit provides coverage If weather caused a complete cessation of services of her common carrier for at least consecutive hours however, we have not received documentation to show that The Trip Delay benefit provides payment up to $if a documented weather condition prevents an insured from getting to a point of departure We paid the insured $ We also paid her travel companion $under the travel companion’s policy
April 16, Complaint ID # [redacted] The customer submitted a claim for Trip Cancellation benefits under the [redacted] ***Upon review of the information provided we have determined the claim is not payable as there was no medical treatment at the time of cancellation on 1/2/ Although sickness is a listed covered reason, the policy requires treatment from a legally certified physician at the time of cancellationThe customer cancelled the trip on 1/2/and the only dates of treatment we received near that date were 11/20/ and 12/4/ The analyst spoke to customer on 4/13/and discussed what is needed for further review of the claimCustomer advised that she would obtain additional documentation from the treating physician showing that treatment was ongoing and that it was medically necessary to cancel the trip on 1/2/ Travel Insured has not received the requested documentation
Complaint: [redacted] I am rejecting this response because: the information listed by Travel Insured is not correct I have e-mailed MsRaymer and also Revdex.com indicating our initial policy for this trip was Plan Number [redacted] and the paid date was 7/30/2012, within the day timeframe My understanding from [redacted] Travel, agent for Travel Insured, is that when we met a certain monetary limit for the trip, TI issued another policy In my original documentation Attachment shows the payment for the policy AND the refunds for the original policy Thus we were insured by TI for this entire trip from 7/30/ Sincerely, Mary King
The policy requires the filing of a loss report with the authoritiesThe insured did not file a report and under the circumstances he described, we will pay his claim 0in;">The policy pays for the actual cash value (cost less proper deduction for depreciation) at the time of loss, up to $per itemThe insured stated that the lost items cost $and $Since he did not have proof of those payments we applied a 50% depreciation factor If the insured provides receipts, we will adjust the claim payment
December 29, Re: [redacted] ID # [redacted] Plan # [redacted] Ms [redacted] submitted a claim for Trip Cancellation benefits under her [redacted] Deluxe Ticket Protector PlanUpon review of the information provided we have determined that her claim is not payable Ms [redacted] ’s claim was first created on August 18, due to employer terminationClaim forms were then emailed the same day as there is coverage if the insured is prevented from taking or continuing the covered trip if the insured's or insured’s traveling companion are laid off from employment On October 2, 2014, we received her claim forms along with the supporting informationUnder the brief explanation for the circumstances of Ms [redacted] ’s claim, she indicated she canceled her trip due to the illness of her teammate canine and removed from the world championship teamShe also indicated her canine is a registered emotional support animal that without it she cannot fly This reason was not consistent with the one provided when her claim was first initiatedClaims Analyst [redacted] *** contacted Ms [redacted] on October 10, to discuss the reason for her claim She stated the event was canceled and she was taken off of the championship teamHer dog was ill and so she canceled her tripWhen the Analyst inquired about the employment termination reason, Ms [redacted] stated she chose to leave her job due to unpleasant circumstancesMs [redacted] did not want to pursue her claim under employer terminationMs [redacted] was then advised there were covered reasons for cancellation under her policy and an illness of her canine is not a covered traveling companion as defined in the policyShe responded that she would be contacting her lawyer and will continue to pursue the appeal until the claim is paid A copy of her policy along with her original declination letter was emailed to her by the Analyst on December 18, The Analyst pointed out that the policy’s document lists the covered reasons for Trip Cancellation and the policy’s definition of a traveling companion means a person She was advised her canine traveling companion, even though it was an emotional support animal, is not a covered reasonUnfortunately, the illness of an animal is not a covered reason for cancellation and was advised that was the reason for her denialShe was encouraged to submit additional information if she felt our information was incorrect
NCL has confirmed that the $was for a good will credit The policy reimburses your prepaid, unused, and non-refundable trip cost paid when prevented from taking your trip due to a covered reason The policy does not reimburse credits or discounts applied to a booking When the 2nd traveler cancelled their trip, the $credit that was applied to the booking was transferred to the 3rd travelerThe credit was used as the 3rd traveler went on the cruise
travelers were insured with a per person trip cost of $There were travelers on this tripThe size="2">rd traveler, a child was not insuredThe second traveler cancelled their trip on 1/2/and received a refund from the cruise line for the taxes paid in the amount of $TII then reimbursed the 2nd traveler’s cancellation penalties in full at 100% reimbursement for $on 2/16/ Both travelers insured by TII had a $credit applied to their booking for a discounted fareThe policy reimburses your prepaid, unused and nonrefundable trip cost paid when prevented from taking your trip due to a covered reasonThe policy does not reimburse credits or discounts applied to a booking The 1st traveler also submitted a cruise debarkation invoice showing all the charges traveler and incurred while on their trip aboard the cruise ship totaling $in service feesThese expenses were for travelers and and were not prepaid non-refundable expenses; therefore, are not refundable under the policy
The insured’s policy provides reimbursement for the cost of the ticket or the reissue fee charged by the airline if the travel supplier cancels the Covered Trip. #1f497d;"> We have made the following additional payments: $1736.60 for the additional airfare $118.00 for transfers The hotel costs of $160.38 are non-refundable under the policy.