Berkely Group

We have reviewed [redacted] ***’s complaint and we are responding accordingly Please note that [redacted] filed this complaint prior to initiating a claim with our office Further, to date, though he has now initiated a claim, no claim form or supporting documentation has been submitted Accordingly, we have not been afforded the opportunity to review and consider [redacted] ***’s reimbursement request Please note that the plan [redacted] purchased, and which was provided to him prior to such purchase, contains a listing of specified reasons making one eligible for coverage under the Trip Cancellation benefit One such specified reason is a cancellation due to the following: eyour involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your controlYou must have been continuously employed with the same employer for years prior to the termination or layoffThis provision is not applicable to temporary employment, independent contractors or self-employed persons; [redacted] has indicated in his complaint that his reason for cancelation, the loss of his social security benefits, should be considered tantamount to such loss of employment Please note that we are more than willing to review [redacted] ***’s claim and contention, however, without the opportunity to review [redacted] ***’s information, we are unable to make a determination on his claim Accordingly, we kindly request [redacted] submit his completed claim form and the supporting documentation regarding the reason for his cancellation and we will be happy to review the same However, until such time, we are unable to consider his request for reimbursement We trust we have responded to the concerns raised in [redacted] ***’s complaint Should you have any further questions, please feel free to contact us

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved Sincerely, [redacted]

We have reviewed [redacted] ’s complaint and we are responding accordingly Please note that [redacted] did not initiate a claim with our office While [redacted] did contact our office on or about January *, to begin a claim for trip cancellation due to her job loss, she did not complete the initiation process Rather, upon being advised of the specified reasons for cancellation under the plan, in particular the coverage afforded for a cancelation as a result of a job loss of the traveler, provided the traveler was employed by such employer for a minimum of three years prior to such termination, [redacted] did not proceed with the claim initiation as she did not meet the three year requirement While we certainly understand [redacted] ’s position, the plan language clearly states that three years of employment are required to be eligible for coverage Further, please understand that a complete copy of the plan was provided to [redacted] prior to and concurrent with her purchase of the plan, and such terms must be accepted in order to complete said purchase Though no claim has been initiated to date, should [redacted] wish to do so, she can contact our office and we would be more than happy to review any additional information she wishes to submit However, based on the information received to date, at this time we would be unable to consider her request for reimbursement We trust that we have responded to the concerns in [redacted] ’s complaint Should you have any additional questions, please feel free to contact our office

We have reviewed [redacted] s complaint and we are responding accordingly In her complaint [redacted] advises that she is dissatisfied with the payment provided to her under the Baggage and Personal Effects Benefit of the travel protection plan she purchased [redacted] submitted a claim to our office for the loss of two items from her luggage held in the overhead compartment on the plane, namely a laptop computer and a pair of sunglasses As was noted on the Calculation of Baggage/Personal Effects Benefit which accompanied our payment, the payment of $was the maximum amount payable under [redacted] s claim More particularly, while we understand the purchase price of her laptop was greater than $500, the plan contains a per article limit of $ Accordingly, the most we were able to reimburse [redacted] for her laptop was the $ Further, the plan contains specific exclusions to coverage under the Personal Effects coverage The plan states the following: Items Not CoveredWe will not pay for damage to or loss of: artificial limbs or other prosthetic devices, artificial teeth, dental bridges, dentures, dental braces, retainers or other orthodontic devices, hearing aids, any type of eyeglasses, sunglasses or contact lenses; Accordingly, as the maximum reimbursement available for the covered item, namely [redacted] s laptop, has been provided, and the second item is specifically excluded from coverage, no additional reimbursement is due to [redacted] and no further payment shall be forthcomingWe trust that we have addressed the concerns raised in [redacted] s complaint and explained our position in this matter Should you have any further questions, please feel free to contact our office

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] I am deeply disturbed by the Berkely Group's response to my complaint, particularly over the fact that they would never have reimbursed the air travel regardless of how well we met their unreasonably strict and confusing criteriaThis is also directly contrary to what a Berkely group employee [redacted] - reference number [redacted] and what a [redacted] employee told me whose name is [redacted] *** [redacted] went as far as to offer me partial compensation over the phone for my tickets but encouraged me to submit a claim with Berkely group as he was confident that I would receive full compensation by Berkely Furthermore no one said that my claim would not be considered if my children did not immediately receive medical attention My children have special needs and they do not do well with unfamiliar doctors I had every intention of bringing them in to our Pediatrcian but by the next day they were doing substantially betterIf this travel insurance doesn't even cover the cost of a flight when you get sick what is the point of having it? Why would [redacted] and [redacted] both mislead me? Why did I even bother submitting a claim in the first place if no one was going to even consider it as Berkely group says I was deceived by Berkely group and [redacted] and feel I am entitled to compensation The plane tickets were about $one way for four people for a very short flight I am sure that these were full fair tickets or close to it and that any reputable airline would have offered some compensation if not a full refund I am certain that either Berkely group or [redacted] received some refund for these canceled tickets which they have yet to reimburse me forBerkely group is clearly utilizing deceptive business practices and misleading consumers I haven't been able to find a single website online that gives Berkely group more than a few stars out ten I was not the first to be unfairly treated by them and I'm sure I won't be the last People need to know the truth about this company In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Please allow this response to confirm our receipt of [redacted] ***’s claim form While it had been received in our office concurrent with our prior response it had not been processed and filed until after our response was submitted Please be assured that there have been no delays in the review of [redacted] ***’s claim Rather, upon receipt of the claim form we did reach out to [redacted] directly on June ***, speaking with him on June [redacted] regarding the additional information needed to complete our review of the claimAs explained to [redacted] ***, we did agree to consider his claim for Trip Cancellation benefits due to his loss of income under the coverage afforded to an individual who suffered an involuntary job loss, provided he met the remaining requirements for such coverage In particular, we required confirmation that he met the three consecutive year time requirement of employment – or receipt of benefits, in this instance – prior to termination As per [redacted] ***, he was not in fact receiving such benefits for that length of time prior to their termination As such, we did advise him that, based on the fact that he does not meet the full eligibility requirements under this coverage, we would be unable to consider his request for reimbursementFormal notice of our decision has been sent to [redacted] under separate cover We trust we have responded to the additional concerns raised in [redacted] ***’s complaint Should you have any further questions, please feel free to contact us

We have reviewed [redacted] ’s complaint regarding his claim for Trip Interruption reimbursement which he had filed with our office Based on the information received, [redacted] delayed his return home due to his mother’s medical condition at the time of his scheduled return However, in his initial claim submission, [redacted] provided no medical verification of such condition, nor any receipts for additional travel expenses incurred due to his delayed return Therefore, we sent [redacted] correspondence requesting the Attending Physician Statement on the claim form be completed and a copy of his credit card receipt be submitted In response, [redacted] submitted his late mother’s death certificate, which indicated that his mother had passed some two weeks after the interruption of his trip While we were very sorry to hear of [redacted] ’s passing, unfortunately, this documentation did not confirm her medical condition at the time he had extended his trip As such, we did request he provide us with this information to allow us to finalize his claim Upon receipt of this complaint we again reviewed [redacted] ’s claim While the information provided to date does not confirm [redacted] ’s illness at the time of [redacted] ’s trip interruption, we have agreed to make a consideration and make payment based on the information contained on the death certificate However, as we still have not received receipts for any of the additional flight expenses [redacted] incurred for his new return flight, we have reached out to him several times to request he provide same To date, we have been unsuccessful in speaking with [redacted] and have sent him correspondence requesting same Accordingly, upon submission of the receipt for his additional airline expense, we will be happy to finalize [redacted] ’s claim We trust that we have adequately responded to the concerns raised in [redacted] ’s complaint Should you have any additional questions, please feel free to contact our office

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolved, upon receipt of the payment agreed to in the response by the business.Sincerely, [redacted]

We have reviewed [redacted] ’s remarks to our response and we welcome this opportunity to further clarify our position [redacted] advises in her remarks that we are confused with regard to the basis of her and her companion’s reason for cancellation, noting it was not a scheduling conflict but rather due to a death in his congregation and his need to attend to the congregation’s needs Please note, when the claim was originally submitted, [redacted] indicated that he learned of the death of a congregant and, as his Associate Pastor, the only other one able to handle the situation in his absence, was unavailable, he felt the need to cancel the trip to attend to his congregants If [redacted] felt our noting the situation as simply a scheduling conflict seemed too limiting, we apologize However, please be assured that we are fully cognizant of the reason behind the decision to cancel the planned trip Further, while we certainly can appreciate the decision [redacted] made, please understand that such reason for cancellation is not one covered under this planPlease allow us to confirm to you that the specified reasons contained in the plan apply to any individual purchasing said plan There is no variation in the terms of the plan based on the profession of the individual travelerAs [redacted] and [redacted] cancelled their travel plans so [redacted] could remain at home to attend to his congregation, and such reason is not one specified in the plan, we are unable to consider their request for a refund We hope this shall provide additional clarification regarding the basis under which this claim was adjudicated Should you have any additional questions, please feel free to contact our office

We have reviewed [redacted] ’s complaint and are responding accordingly In her complaint, [redacted] disputes the denial of her claim, stating that she canceled her scheduled flight due to her own health related issues, claiming her denial was cited for post travel cancellation According to our files, [redacted] cancelled her trip some weeks prior to the departure date In order to qualify for reimbursement under the plan, the medical condition causing the cancellation must meet certain criteria In particular, the illness necessitating cancellation must meet the following plan requirements: The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip [redacted] purchased her airline ticket and protection plan on August **, for a trip on September **, Accordingly, in order to qualify for consideration, the condition would have had to commence after August **, and [redacted] would have had to have been examined and treated by her physician at the time of her cancellation on or about September **, However, based on the information received, [redacted] underwent no such examination or treatment at the time of her cancellation nor while she was covered under the plan In addition, the illness [redacted] cites as necessitating her cancellation was one for which she had been treated, and in fact hospitalized for, as early as August *, As the information received confirms that [redacted] ’s condition did not commence while her coverage was in effect, nor that she underwent any examination or received any treatment from any physician for this condition at the time of her cancellation, her reason for cancellation does not meet the plan requirements and we are unable to consider her request for reimbursement We trust that we have responded to the issues raised in [redacted] ’s complaint Should you have any additional questions, please feel free to contact our office

We have reviewed [redacted] ***’ complaint and we are responding accordingly In her complaint, [redacted] explains that she had to cancel her travel plans due to the medical condition of her young son However, [redacted] did not provide any medical verification of such illness and treatment, as is required under the Plan Please understand that in order to qualify for coverage under the plan for a cancellation as a result of a medical condition, the insured must submit verification of the examination and treatment of the patient at the time of the cancellation Such verification was not provided by [redacted] with her claim form submission Accordingly, we sent correspondence to her on January *, 2015, requesting she provide such documentation To date, no such documentation has been submittedHowever, concurrent with receipt of this complaint, [redacted] did advise the claims personnel reviewing her claim that she will obtain such documentation from her son’s physician and submit same to us for review Upon receipt of this documentation, we will give [redacted] ***’ claim our immediate attention We look forward to the opportunity to continue our review of [redacted] ***’ claim Though please understand that, until such documentation is received, we will be unable to make a determination of her eligibility for reimbursement under the plan Should you have any additional questions regarding this matter, please feel free to contact our office

We have reviewed [redacted] ’s complaint and we are responding accordingly [redacted] and her traveling companion had a scheduling conflict with the travel dates and therefore needed to cancel their planned trip Unfortunately, [redacted] and her traveling companion’s reason for cancellation is not one covered under the plan Please understand that the plan purchased provides reimbursement in the event of a cancellation due to a number of both medical and non-medical reasons as specified in the plan However, a scheduling conflict is not one such specified reason As such, we are unable to consider their request for reimbursementPlease note that the plan in its entirety is available on [redacted] .com’s website for review at any time Further, the confirmation provided to [redacted] and her traveling companion contains a link to the plan, including the specified reasons for cancellation as well as the contact information for our office for any questions regarding the plan While we understand [redacted] and her traveling companion’s disappointment at the outcome of their request for reimbursement, we hope this has provided further clarification of the claim determination and understanding that we must review each request in accordance with the terms and conditions of the plan purchased

We have reviewed [redacted] ’s complaint regarding the denial of her and her companion’s claim for Trip Interruption due to the airline’s inability to land at the scheduled destination as a result of volcanic conditions on Costa Rica Please note that we did approve [redacted] and her companion’s claim for coverage and provided payment in accordance with the terms and conditions of the plan – namely providing reimbursement of their unused land travel arrangements The plan also provides coverage for any additional transportation expenses incurred to either catch the traveler up to their scheduled destination or return home However, based on the information received, [redacted] and her companion did not in fact incur any such additional transportation expenses Rather, as per [redacted] ’s complaint, the insureds were requesting reimbursement of their full trip cost, including the cost of the airfare that was used for their flights to and from Panama Please note that original used and/or unused airfare is not a covered benefit under the terms of the plan and therefore, we were unable to comply with [redacted] ’s requestHowever, we have considered the full circumstances of the pair’s trip and we have agreed to make a business consideration and provide them with the requested reimbursement of their original used and/or unused airline tickets Accordingly, an additional payment in the amount of $per person is being sent to [redacted] and her companion under separate cover This amount, together with the original payment provided of $per person, represents the full trip cost for the pair’s bookingWe trust that we have sufficiently responded to the concerns contained in [redacted] ’s complaint and are pleased we have been able to bring a satisfying close to this matter Should you have any additional questions, please feel free to contact our office

We have reviewed [redacted] s complaint and we are responding accordingly Please note that, though [redacted] did contact our office regarding his need to cancel his scheduled flight for personal reasons, when advised that there were specified reasons for cancellation under the plan that made one eligible for reimbursement, [redacted] refused to provide more information and chose not to initiate the claim Please understand that the full terms and conditions of the plan are provided to each prospective participant prior to their purchase and they must confirm their acceptance of such terms in order to finalize that purchase In order for us to determine if an individual’s reason for cancellation falls within the plan’s guidelines, a claim must be initiated and sufficient documentation regarding the reason for cancelation must be submitted Please note that [redacted] is welcome to initiate a claim with our office and we would be happy to review any documentation he submits regarding his reason for cancellation However, with no claim having been initiated, and with no opportunity to determine whether [redacted] s reason for cancelation falls within the plan’s terms and conditions, we are unable to consider his request for reimbursement Should [redacted] wish to initiate a claim with us he can certainly do so at our toll free number, ###-###-#### and submit the necessary documentation to allow us to review his claim under the terms of the plan

We have reviewed [redacted] ’s complaint and are responding accordingly Please note that [redacted] states she canceled her scheduled flight due to her own medical condition The plan [redacted] purchased does provide a cancellation due to a Sickness However, in order to qualify for reimbursement, the reason for cancellation must meet the plan requirements These requirements are as follows: The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Trip is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Trip [redacted] purchased her airline ticket on February **, and cancelled it on March *, for a trip scheduled from March *, returning March **, Accordingly, in order to qualify for coverage under the plan, [redacted] would have had to have been examined and treated by her physician at the time of his cancellation on March *, 2015, in accordance with the plan’s terms and conditions However, based on the information received, [redacted] underwent no such examination or treatment at the time of her cancellation or while she was covered under the plan Rather, the information received indicates merely that [redacted] requested a note from her physician on April *, advising of her inability to travel in March, without having had undergone an examination or received any treatment from her doctor for such condition As the information received confirms that [redacted] did not undergo any examination or receive any treatment from her physician at the time of her cancellation, her reason for cancellation does not meet the plan requirements and we are unable to consider her request for reimbursement We trust that we have responded to the issues raised in [redacted] ’s complaint Should you have any additional questions, please feel free to contact our office

We have reviewed [redacted] ’s complaint and we are responding accordingly In her complaint, [redacted] advised that after booking the trip, her sister and traveling companion advised her that she had a scheduling conflict with the travel dates and they would have to cancel their planned trip Unfortunately, [redacted] and her sister’s reason for cancellation is not one covered under the plan Please understand that the plan purchased provides reimbursement in the event of a cancellation due to a number of both medical and non-medical reasons as specified in the plan However, a scheduling conflict is not one such specified reason As such, we are unable to consider their request for reimbursement Please note that the plan in its entirety is provided to the traveler prior to and concurrent with the purchase Further, the traveler must initial their understanding and acceptance of such terms in order to complete the purchase While we understand [redacted] and her sister’s disappointment’s at the outcome of their request for reimbursement We hope this has provided further clarification of the claim determination and understanding that we must review each request in accordance with the terms and conditions of the plan purchased

We have reviewed [redacted] ’s complaint and we are responding accordingly In his complaint, [redacted] advised that he noted several items missing from his luggage as well as another item damaged [redacted] submitted a claim to our office seeking reimbursement of the cost of these items under the protection plan he purchased in conjunction with his airline ticket from [redacted] In his complaint, [redacted] contends that additional requests for verification have been made of him, with no requirement being listed in the original claim form or the plan itselfPlease note that both the plan description of coverage which was provided to [redacted] prior to and concurrent with his purchase, includes the requirement of verification of the loss from the appropriate party Your duties in the Event of a Baggage/Personal Effects Loss:In case of loss, theft or damage to Baggage and Personal Effects, you should: 1) immediately report the situation incident to the hotel manager, tour guide or representative, transportation official, local police or other local authorities and obtain their written report of your loss;Submit claim first to party responsible, as well as your regular property insurerForward copies of the outcome of your claim to [redacted] with the appropriate documentation, including copies of receipts for the lost, stolen, or damaged articles, if availableIn addition, the claim form sent to [redacted] reiterates the request for written verification of the loss or damage from the airline as well as responses from the airline and his Home Owners or Rental coverage indicating the amount paid by each party for the loss Finally, we again reiterated the request for this documentation in our letter of April **, upon [redacted] ’s submission of his claim form to our office, on April **, 2015, without inclusion of such documentation This information and documentation has not been submitted by [redacted] to date Upon his submission of this documentation, we will be able to continue our review his claim Upon receipt of this documentation we will give [redacted] ’s claim our immediate attention We trust we have responded to the concerns raised in [redacted] ’s complaintShould you have any additional questions, please feel free to contact us

We have reviewed [redacted] ’s complaint and are responding accordingly In her complaint, [redacted] disputes the denial of her claim, including the qualifications of the individual who reviewed her claim submission Please note that the plan [redacted] purchased does provide reimbursement for a cancellation due to a medical condition However, in order to qualify for reimbursement under the plan, the medical condition causing the cancellation must meet certain criteria In particular, the illness necessitating cancellation must meet the following plan requirements: The Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) require the examination and treatment by a Physician at the time the Covered Vacation is canceled; and c) in the written opinion of the treating Physician, be so disabling as to prevent you from taking your Covered Vacation [redacted] booked her trip and protection plan on October *, for a trip on October **, 2013, returning October **, Accordingly, in order to qualify for consideration, the condition would have had to commence after October *, and [redacted] would have had to have been examined and treated by her physician at the time of her cancellation on or about October *, However, based on the information received, [redacted] underwent no such examination or treatment at the time of her cancellation nor while she was covered under the plan Rather, the information submitted by her physician indicated this was a condition which began while [redacted] was in her 30s and the only noted examination or treatment indicated by [redacted] ’s physician was on October **, 2013, the day [redacted] had her physician complete this statement and some nine days after her cancellation of the trip As the information received to date indicates that [redacted] did not undergo any examination or receive any treatment from a physician for this condition at the time of her cancellation, her reason for cancellation did not meet the plan requirements and we were unable to consider her request for reimbursement However, should [redacted] wish to afford us the opportunity to obtain additional medical information from her physician regarding the medical condition necessitating her cancellation, we would ask that she kindly sign and return the attached Authorization for Release of Medical Information Please be assured that only medical information for the relevant dates pertaining to her cancellation would be requested Unfortunately, until we are able to consider any additional medical documentation from [redacted] ’s physician regarding her reason for cancellation, we will be unable to reconsider our position We trust that we have responded to the issues raised in [redacted] ’s complaint Should you have any additional questions, please feel free to contact our office

We have reviewed *** ***’s complaint regarding her request for a refund of the protection plan fees she paid on January **, in conjunction with her Carnival Cruise booking for December As was explained to *** *** in our correspondence to her of May *, 2015, the Vacation
Protection Plan which she purchased in conjunction with her cruise booking is designed to cover any penalties assessed on the cancellation of such booking, subject to the plan’s terms and conditions. Further, please note that this plan does contain a 10-day free look period, enabling one to request a refund of the plan fees within days of its purchase. However, as was also explained to *** *** in our May *, correspondence, as her request for such refund was sent to our office on April **, 2015, it was well outside of this 10-day period, and we were unable to consider such request. While we are comfortable with our determination on *** ***’s request, we have, solely as a business consideration in this particular instance, agreed to make an exception and authorize the requested refund of the plan fees. Please understand that though not eligible for such refund, it is being provided solely as a courtesy and does not impinge on the original response to such request. Such refund will be forthcoming to *** *** from the cruise line in the same manner in which payment was received. We trust this shall conclude this matter. Should you have any additional questions, please feel free to contact our office

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
I have not filed a complaint because I was told that I could not do soThe business in question response to why they will not reimburse me is based off their response to saying that I could not file a complaint since I had not been employed with my employer for three yearsThis response is in adequate and a resolution of greater portion must happenI will accept compromising with the reimbursementAdditioally, these companies have not heart when dealing with human beingsI have lost my job and would like to use that money for matters that have seriously affected myself due to job lossFurthermore, this entire matter has greatly stressd me out for numerous reasons, one for not being able to attend a trip I had planned and two for not being reimbursed when I clearly purchased travel insuranceCordially,*** ***
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***