Alterations Express

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I DO NOT AGREE BECAUSE,WHEN I BOUGHT THE INSURANCE,I COULD NOT UNDERSTAND,WHAT EXACTLY DOES INSURANCE COVER,I SAW THAT IF CANCELED THE TRIPTHE MONEY WAS RETURNED. I THINK OUR CAUSE IS IMPORTANT ENOUGH TO CANCEL VACATION (DOCTOR RECOMEND).THIS COMPANY ISNOT CORECT FOR ME AND I WANT TO TALK TO THE MEDIA ,SO THAT THERE ARE NO OTHER PEOPLE DECIEVED
Regards,
***- ***a

9/1/
To whom it may concern,
Thank you for the opportunity to provide a response to Mr
***’s recent concern regarding Trip Cancellation Claim No***, for
Ms*** ***
We have read Mr***’s concerns surrounding what he claims
to have been informed by our representatives.
We are currently looking into this and will provide Mr*** with a
more detailed update within the coming week
If Mr*** has any further questions related to this claim
for Ms*** ***, we welcome him to contact our Claims Department at
###-###-####
Of course, we reserve all rights under the policy and the
law, and none of our communications may be construed so as to waive any of
those rights
Sincerely,
*** *** (Complex Claims Adjuster)

March
To whom it
may concern,
Thank you
for the opportunity to provide a response to Mr***’s recent concern
regarding his Trip Cancellation claim (UC8***)
The Trip
Cancellation benefit does provide coverage for a Sickness or Injury of an
Insured, Family Member, Traveling Companion or Business Partner as outlined in
the Description of Coverage. The policy
defines both Sickness and Injury
Please see
pertinent policy wording:
DEFINITIONS
“Sickness” means an illness or disease
diagnosed or treated by a Physician after the Insured’s effective date of
coverage under the Policy
“Injury/Injured” means a bodily injury caused by an
accident occurring while the Insured’s coverage under the Policy is in force
and resulting directly and independently of all other causes of Loss covered by
the PolicyThe injury must be verified by a Physician
The policy
also includes exclusions that are outlined in the Description of Coverage. Unfortunately, Pregnancy or Childbirth
is an exclusion under the policy
Please see
pertinent policy wording:
GENERAL
EXCLUSIONS
This
plan does not cover any loss caused by or resulting from:
…(b)
Pregnancy or Childbirth, other than Unforeseen Complications of
Pregnancy, or elective abortion of the Insured, a Traveling Companion or a
Family Member;…
DEFINITIONS
“
Pregnancy or Childbirth” means a pregnancy or childbirth that is
free of complications or problems
Per the
medical documentation received, the medical condition falls under the General
Exclusion under the policy
If the
insured has any further questions related to this claim, we welcome them to
contact our Claims Department at ###-###-####
Of course,
we reserve all rights under the policy and the law, and none of our
communications may be construed so as to waive any of those rights
Sincerely,
***
***
Complex
Claims Adjuster

7/7/
To whom it may concern,
Thank you for the opportunity to provide a response to Mr
***’s recent concern regarding his Trip Cancellation claim (***)
At this time, we still do not
have the required documentation needed to continue to further process the
insured’s claim. We understand that the insured’s have appealed their
originally denied claim based on the illness of a family member. In order
for us to consider this reason on the appeal, we require medical documentation
regarding the family member’s illness, diagnosis, and dates of treatment for
the illness. Our office has been in contact with Mr*** to obtain this
information, and the reasons why this specific information is needed.
On 6/14/16, a representative
from our company sent the insured the required documentation needed to continue
processing the claim, and on 6/17/16, the same representative explained to the
insured “why” this specific information is required
The wording under the Trip Cancellation and Interruption
portion of the policy, Section II states the following:
Section II Benefits
TRIP CANCELLATION AND
INTERRUPTION
The Company will reimburse the Insured a
benefit, up to the Maximum Limit shown in the Schedule if an Insured cancels his/her
Trip or is unable to continue on his/her Trip due to any of the following Unforeseen
events:
The policy defines “Unforeseen” as
follows: means not anticipated or expected and occurring after the effective
date of coverage
The reason that the dates are treatment are required for
further processing is for us to determine if the illness/sickness of the family
is actually “Unforeseen” per the policy language
Additionally, the reason we need to know the diagnosis of the
family member is because there are some exclusions under the policy for medical
conditions. These General Exclusions can
be found under Section IV of the policy, entitled Exclusions and Limitations
If the insured has any further questions related to this
claim, we welcome them to contact our Claims Department at ###-###-####
Of course, we reserve all rights under the policy and the law, and
none of our communications may be construed so as to waive any of those rights
Sincerely,
*** *** (Complex Claims Adjuster)

July 26,
To Whom It
May Concern,
Thank you
for the opportunity to provide a response to Ms***a’s recent concern
regarding her Trip Cancellation claim (UC8***)
Our
records indicate that the insured purchased insurance on 09/15/2016, which
became
effective on 09/16/2016, to cover travel between 12/12/through
12/21/2016. The trip was cancelled on 11/28/
as a result of Ms*** ***a’s pregnancy and the physician advising
against travel due to the risk of being infected with the Zika virus. Unfortunately, we were not able to extend
benefits as Pregnancy is excluded from coverage and the risk of
obtaining a Sickness is not a covered peril under the Trip Cancellation
benefit.
We
received an additional letter from Ms***a about the events surrounding the
cancellation of the claim on appeal.
While we understand that the physician advised against travel, we were
not able to overturn the outcome of the claim as the loss is not covered under
the policy
Please see
the named, covered perils below:
Section II - Benefits
TRIP CANCELLATION AND INTERRUPTION
The
Company will reimburse the Insured a benefit, up to the Maximum Limit shown in
the Schedule or Declarations Page if an Insured cancels his/her Trip or is
unable to continue on his/her Trip due to any of the following Unforeseen
events:
(a)
Sickness, Injury or death of an Insured, Family Member, Traveling Companion or
Business Partner;
(1)
Sickness or Injury of an Insured, Traveling Companion or Family Member
traveling with the Insured must be so disabling as to reasonably cause a Trip
to be canceled or interrupted or which results in medically imposed
restrictions as certified by a Physician at the time of Loss preventing
continued participation in the Trip;…
Section IV
EXCLUSIONS AND LIMITATIONS
GENERAL EXCLUSIONS
This
plan does not cover any loss caused by or resulting from:
…(b)
Pregnancy or Childbirth, other than Unforeseen Complications of
Pregnancy, or elective abortion of the Insured, a Traveling Companion or a
Family Member;…
Section III
DEFINITIONS
(Capitalized terms within this Policy are
defined herein)
“Complications of Pregnancy” means conditions whose diagnoses are
distinct from pregnancy but are adversely affected by pregnancy or are caused
by pregnancyThese conditions include acute nephritis, nephrosis, cardiac
decompensation, missed abortion and similar medical and surgical conditions of
comparable severityComplications of pregnancy also include nonelective
cesarean section, ectopic pregnancy which is terminated and spontaneous
termination of pregnancy, which occurs during a period of gestation in which a
viable birth is not possibleComplications of pregnancy do not include
labor, occasional spotting, Physician-prescribed rest during the period of
pregnancy, morning sickness, hyperemesis gravidarum, preeclampsia and similar
conditions associated with the management of a difficult pregnancy not
constituting a nosologically distinct complication of pregnancy
“Pregnancy or Childbirth” means a pregnancy or childbirth that is
free of complications or problems
“Sickness” means an illness or disease diagnosed or
treated by a Physician
While we
appreciate the opportunity to review Ms***a’s claim, we are held to the
terms and conditions of the policy purchased.
The policy does not provide coverage for the fear or risk of obtaining a
Sickness, nor does it provide coverage for a medical condition that does not
qualify as a defined Complication of Pregnancy.
For these reasons, our position is maintained as the reason for loss
falls outside the scope of coverage purchased
If the
insured has any further questions related to this claim, we welcome them to
contact our Claims Department at ###-###-####
Of course,
we reserve all rights under the policy and the law, and none of our
communications may be construed so as to waive any of those rights
Sincerely,
*** ***
Complex
Claims Adjuster

April 20,
To Whom It
May Concern,
Thank you
for the opportunity to provide a response to Mr***’s recent concern
regarding his Trip Cancellation claim (UC8***)
Our
records indicate that the insured purchased insurance on 11/04/2016, which
became
effective on 11/05/2016, to cover travel between 03/07/through
03/14/2017. The trip was cancelled on
03/02/as a result of Mrs***’s pregnancy and the physician advising
against travel due to the risk of being infected with the Zika virus. Unfortunately, we were not able to extend
benefits as Pregnancy is excluded from coverage and the risk of
obtaining a Sickness is not a covered peril under the Trip Cancellation
benefit.
Additional
medical documentation was submitted from the Physician in regards to a medical
condition confirming the need to cancel the trip on appeal. The medical condition noted on the submitted
appeal is excluded from coverage as it does not meet the policy definition, Complications
of Pregnancy; therefore, we were unable to extend benefits.
Please see
the named, covered perils below:
Section
II - Benefits
TRIP
CANCELLATION AND INTERRUPTION
The
Company will reimburse the Insured a benefit, up to the Maximum Limit shown in
the Schedule or Declarations Page if an Insured cancels his/her Trip or is
unable to continue on his/her Trip due to any of the following Unforeseen
events:
(a)
Sickness, Injury or death of an Insured, Family Member, Traveling Companion,
Business Partner or Host at Destination;
(1)
Sickness or Injury of an Insured, Traveling Companion or Family Member
traveling with the Insured must be so disabling as to reasonably cause a Trip
to be canceled or interrupted or which results in medically imposed
restrictions as certified by a Physician at the time of Loss preventing continued
participation in the Trip;
Section
IV
EXCLUSIONS
AND LIMITATIONS
GENERAL
EXCLUSIONS
This
plan does not cover any loss caused by or resulting from:
…(b)
Pregnancy or Childbirth, other than Unforeseen Complications of
Pregnancy, or elective abortion of the Insured, a Traveling Companion or a
Family Member;…
DEFINITIONS
“Complications of Pregnancy” means conditions whose diagnoses are distinct from
pregnancy but are adversely affected by pregnancy or are caused by pregnancy
These conditions include acute nephritis, nephrosis, cardiac decompensation,
missed abortion and similar medical and surgical conditions of comparable
severityComplications of pregnancy also include nonelective cesarean section,
ectopic pregnancy which is terminated and spontaneous termination of pregnancy,
which occurs during a period of gestation in which a viable birth is not
possible
Complications
of pregnancy do not include labor, occasional spotting,
Physician-prescribed rest during the period of pregnancy, morning sickness,
hyperemesis gravidarum, preeclampsia and similar conditions associated with the
management of a difficult pregnancy not constituting a nosologically distinct
complication of pregnancy
“Pregnancy or Childbirth” means a pregnancy or childbirth that is free of complications
or problems
“Sickness” means
an illness or disease diagnosed or treated by a Physician after the Insured’s
effective date of coverage under this Policy
While we
appreciate the opportunity to review Mr***’s claim, we are held to the
terms and conditions of the policy purchased.
The policy does not provide coverage for the fear or risk of obtaining a
Sickness, nor does it provide coverage for a medical condition that does not
qualify as a defined Complication of Pregnancy.
For these reasons, our position is maintained as the reason for loss
falls outside the scope of coverage purchased
If the
insured has any further questions related to this claim, we welcome them to
contact our Claims Department at ###-###-####
Of course,
we reserve all rights under the policy and the law, and none of our
communications may be construed so as to waive any of those rights
Sincerely,
*** ***
Complex
Claims Adjuster

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Until travel guard pays my claim that they owe me this will not be resolved
Regards,
*** ***

February
To
whom it may concern,
Thank
you for the opportunity to provide a response to Mr***’ recent concern
regarding his Trip Interruption claim (UC81890457)
Per
our records a Trip Interruption claim (UC81890457) had been filed on 10/18/
due to the
untimely passing of a family member.
We recognize the passing to have occurred on 10/12/2016. Your original scheduled travel dates were
from 10/13/through 10/16/2016. This
was for a round trip flight from Atlanta to Houston. Due to the passing you had purchased
additional airfare on 10/13/to fly from Houston to Cincinnati on
10/15/to attend the funeral.
Unfortunately, as the loss occurred on 10/12/the only benefit in
effect at this time is the Trip Cancellation benefit. The Trip Cancellation benefit provides
coverage for cancellation fees associated with the original booked travel. It does not provide coverage for additional
airfare expenses.
Please
see pertinent policy wording:
Section I
EFFECTIVE AND
TERMINATION DATES
Effective
Date: Trip Cancellation coverage will be
effective at 12:a.mStandard Time on the date following payment to the
Company of any required plan costAll other coverages will begin on the later
of:
(a) 12:
a.mStandard Time on the scheduled Departure Date shown on the travel
documents; or
(b) the date
and time the Insured starts his/her Trip
Section II -
Benefits
TRIP
CANCELLATION AND INTERRUPTION
The Company
will reimburse the Insured a benefit, up to the Maximum Limit shown in the
Schedule or Declarations Page if an Insured cancels his/her Trip or is unable
to continue on his/her Trip due to any of the following Unforeseen events:
(a) Sickness,
Injury or death of an Insured, Family Member, Traveling Companion or Business
Partner;…
Trip
Cancellation Benefits: The Company
will reimburse the Insured for Forfeited, prepaid Trip Cost up to the Maximum
Limit shown in the Schedule or Declarations Page for Trips that are canceled
prior to the scheduled Departure due to any of the Unforeseen events shown
above
As the loss occurred prior to the scheduled departure
date, the only benefit in effect is the Trip Cancellation benefit. Unfortunately, we are not able to extend
benefits for the additional airline expenses incurred
If the insured has any further questions related to
this claim, we welcome them to contact our Claims Department at 1-800-826-
Of course, we reserve all rights under the policy and
the law, and none of our communications may be construed so as to waive any of
those rights
*** ***
Complex Claims Adjuster

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I've reviewed the policy again and nowhere in the policy it states that the day rule specifically counts the date of policy purchase It states that within days from the trip purchase, if the policy is purchased pre-existing condition is waived If you count the days from 5/to 6/3, it is exactly days If you believe the policy specifically states the date of trip purchase is counted as day, please point it out to me on the actual policy so I can fully understand
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

To
whom it may concern:
This
is in response to the concerns raised by Ms*** regarding her Trip Cancellation
claim.
The initial
claim correspondence received indicated that the trip was cancelled due to Ms
***’s traveling companion cancelling the trip. Unfortunately, we were unable to extend
coverage for the loss as cancelling the trip due to a Traveling Companion
choosing not to take the trip is not a covered reason under the Trip
Cancellation benefit.
On
appeal we received a medical certificate filled out by Dr*** indicating
the medical condition being treated has a restriction that necessitates being
accompanied by someone when traveling.
This information does not provide the dates Ms*** was treated for
this condition that prevented travel.
The policy purchased excludes pre-existing condition as defined
below.
Please
refer to the policy wording, which states in pertinent part:
Section IV
EXCLUSIONS AND LIMITATIONS GENERAL EXCLUSIONS
This plan does not cover any loss caused by or
resulting from: … (o) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Company
will not pay for any loss or expense incurred as the result of an Injury,
Sickness or other condition (excluding any condition from which death ensues)
of an Insured, Traveling Companion, Business Partner or Family Member which,
within the day period immediately preceding and including the Insured’s
coverage effective date:
(a) first manifested itself, worsened, became
acute or had symptoms which would have prompted a reasonable person to seek
diagnosis, care or treatment;
(b) for which care or treatment was given or
recommended by a Physician;
(c) required taking prescription drugs or
medicines, unless the condition for which the drugs or medicines are taken
remains controlled without any change in the required prescription drugs or
medicines
While we wish the outcome of our review could
have been more favorable, we must adjudicate each claim in accordance with the
terms and conditions of the policy purchased by our InsuredTherefore, we must maintain the denial of this
claim as it falls outside the scope of the coverage purchasedWe encourage Ms
*** to furnish our office with the following
information. We will, of course,
re-evaluate our position on this claim upon receipt and review of such
information
A copy of Ms***’s medical
records for the period of 11/23/through 08/03/(date of cancellation) from
all treating physicians for this condition.
The requested medical records are required for further investigation in
determining if this condition is pre-existing to the policy effective date of 05/23/
Thank you for the
opportunity to review and respond to Ms***’s concernsIf Ms*** has any further questions
relating to her claim, we welcome her to contact our Claims Department at ###-###-####.Sincerely,*** *** *** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me. I want to thank you so much for helping me to get my complaint resolved.The Revdex.com of Wisconsin is fantastic.I filed my complaint and within just a few days I had gotten my refund.I am sincerely grateful to you and the Revdex.com.Thank you again for all that this consumer friendly entity does to promote smooth conflict resolutions.Sincerely;*** ***Duluth Georgia

To whom
it may concern:
This
response is regarding the concerns of Mrs***’s relating to her Trip
Cancellation claim
In
the claim documentation submitted, it is indicated that Mrs*** cancelled her
trip due to her husband’s military leave dates being changed. As
a result, Mrs*** exchanged the original
travel arrangements incurring an increase in airfare in the amount of $
for new travel datesUnfortunately, this is not recognized as a covered loss
under the Trip Cancellation benefit
In
pertinent part, Mrs***’s policy states:
TRIP CANCELLATION & INTERRUPTION
The Company will reimburse the Insured a benefit, up to the Maximum
Limit shown in the Schedule or Declarations Page if an Insured cancels his/her
Trip or is unable to continue on his/her Trip due to any of the following
Unforeseen events:
(h) the Insured or
Traveling Companion is called to active military service or military leave is
revoked or reassigned; …
Trip Cancellation Benefits: The
Company will reimburse the Insured for Forfeited, prepaid Trip Cost up to the Maximum
Limit shown in the Schedule or Declarations Page for Trips that are canceled
prior to the scheduled Departure due to any of the Unforeseen events shown
above
It has been verified that
the value of the original airfare was not forfeited and the additional airfare increase
is not covered since it was not part of the original insured trip costs. Mrs*** has been reimbursed for the
$cancel fees imposed on the original airfare that was insured under the
policy purchased. Based on our review, we find that the claim has been properly
adjudicated under the terms and conditions of the policy purchased
While we wish the
outcome of our review could have been more favorable, we must adjudicate each
claim in accordance with the terms and conditions of the policy purchased by
our Insured.
Thank you
for the opportunity to review and respond to Mrs***’s concerns. If Mrs*** has any further questions
relating to the claim, we welcome her to contact her Claims adjuster, ***
*** at ###-###-####
Sincerely,
*** *** *** ***
/ **

To whom it may concern:
This is in response to Mr***’s concerns
regarding his Trip Cancellation claim
The pre-existing medical conditions exclusion includes
any condition for which there were symptoms that would have prompted a person
to seek diagnosis, care or treatment.
The mass being present prompted Mrs*** to seek diagnosis, care
and treatment which then led to a biopsy and the diagnosis which prevented
travel. While we understand she was not
diagnosed until a later date, the mass being present is what prompted her to
seek the treatment and what led to the diagnosis. According to the exclusion, it would be
considered pre-existing and excluded from coverage.
Please refer to the
policy wording, which states in pertinent part:
Section IV
EXCLUSIONS AND LIMITATIONS
GENERAL EXCLUSIONS
This plan does not cover any loss caused by or
resulting from:
(o) PRE-EXISTING MEDICAL CONDITION EXCLUSION:
The Company will not pay for any loss or expense
incurred as the result of an Injury, Sickness or other condition (excluding any
condition from which death ensues) of an Insured, Traveling Companion, Business
Partner or Family Member which, within the day period immediately preceding
and including the Insured’s coverage effective date: (a) first manifested
itself, worsened, became acute or had symptoms which would have prompted a
reasonable person to seek diagnosis, care or treatment; (b) for which care or
treatment was given or recommended by a Physician; (c) required taking
prescription drugs or medicines, unless the condition for which the drugs or
medicines are taken remains controlled without any change in the required
prescription drugs or medicines
Once
again, while we wish the outcome of our review could have been more favorable,
we must adjudicate each claim in accordance with the terms and conditions of
the policy purchased by our Insured. Therefore, we must maintain the
denial of this claim as it falls outside the scope of the coverage purchased
Thank you for the opportunity to review and respond to Mr***’s
concerns. If Mr*** has any further questions relating to his
claim, we encourage him to contact our Claims Department at ###-###-####
Sincerely,
*** *** (Claims Manager)
/ss
Tell us why here

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

I do not agree with their responseI did not intend nor did my husband intend for him to get arrested that nightWe tried very hard to fight with the courts to allow him to go because this was not an expense we wanted to lose The insurance company states they would cover it if it was a subpoena...in which if you doinn't show up to court you would be arrested If he went against the court order and went on this trip my husband would have been arrested It is the same thing I am sorry their perils do not state that a court order to stay in a state is not something that they would not cover It is up to the adjuster...which means they can make exceptions but are choosing not to help us out This arrest was a huge mistake and my family paid for it dearly why is this company being so discriminatory against my husband's arrest? We cannot afford to lose out on this money and I know they can help us out

Dear
Mr***, The confirmation that was given at the time of purchase
outlines our satisfaction guaranteeThe trip cancellation benefit goes into
effect hours after purchaseCoverage has been in effect since 6/21/Our
company always strives to give the finest quality service to our customers,
while administering the contract as it is written. If we can be more
assistance please phone us at ###-###-####Warm regards, Christina

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]I will resubmit for the 3rd time the AIG Cuba certification with the people to people category checked and I am also submitting a schedule of dilay acitvities today via your website
Regards,
*** ***

The insurance misled me to believe I was covered by providing me with written and verbel wrong information,which led me to cancel my trip.Once again I was verbel and provided a written statement saying that to be covered I must cancel my trip,provide a noterized statement from the employer.I fullfilled all my obligations required of me by the insurance.Now after cancelling my trip they say I'm not covered.I feel the insurance should be held liable for leading me with written and verble information