Berkely Group

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,
*** ***

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:
Complaint # *** To Whom It May Concern, Closing out this complaint is not right According to *** from the insurance company, she mentioned, "the other pastor doing the funeral." According to the letter, in the letter, the associate minister was hospitalized during that time frame *** *** was the only one to eulogized the funeral. v/r *** ** *** * *

We have reviewed *** ***’s complaint and we are responding accordingly. In her complaint, *** *** advised that after booking the trip, she and her traveling companion found out they would be incurring substantial veterinary bills and felt they could no longer proceed with their vacation
plans. Unfortunately, *** *** 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, unexpected financial concerns is not one such specified reason. As such, we are unable to consider their request for reimbursement. While we certainly understand *** *** and her traveling companion’s decision to cancel their plans, as well as their disappointment at the outcome of their request for reimbursement, we must consider each claim under the terms and conditions of the plan purchased We hope this has provided further understanding of the determination made on *** ***’s claim. Should you have any additional questions, please feel free to contact our office

We have reviewed *** ***’s complaint and are responding accordingly. In his complaint, *** *** disputes the denial of his and his family’s claim for Trip Interruption benefits Please note that the plan *** *** purchased does provide reimbursement for a cancellation or
interruption 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 or interruption must meet the following plan requirements: 1) your arrival on your Covered Vacation is delayed; or 2) you are unable to continue on your Covered Vacation after you have departed on your Covered VacationFor item 1) above, the Sickness or Injury must: a) commence while your coverage is in effect under the plan; b) for item 2) above, commence while you are on your Covered Vacation and your coverage is in effect under the plan; and c) for both items 1) and 2) above, require the examination and treatment by a Physician at the time the Covered Vacation is interrupted or delayed; and d) in the written opinion of the treating Physician, be so disabling as to delay your arrival on your Covered Vacation or to prevent you from continuing your Covered Vacation From the information provided, *** ***’s two children became ill on the last day of their tripRather than taking their scheduled flight, *** *** rented a car and drove his family home. He submitted a claim to our office requesting reimbursement of the unused portion of the family’s airfare However, based on the information received, *** ***’s children underwent no examination or treatment at the time of the interruption of their trip, as is required under the plan. As such, the family’s reason for interruption did not meet the plan requirements and we were unable to consider their request for reimbursement. Further, please note that, even if the *** children had undergone an examination and received treatment at the time of the interruption of their scheduled travel plans, the plan does not provide reimbursement for unused airline tickets. Rather, the plan covers only additional transportation expenses incurred to return home or catch up to the original travel arrangements. Accordingly, we would have been unable to consider the ***s’ request for reimbursement of their original, unused airline tickets on this basis as well. The most that could have been considered under this plan would have been the cost of the rental vehicle to return the family home We trust that we have responded to the issues raised in *** ***’s complaint. Should you have any additional questions, please feel free to contact our office

We have reviewed *** *** further
comments following our reply. Please
understand that the plan is very clear in the requirements for a cancellation
due to a Sickness. As previously
advised, a cancellation due to an illness 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
To date, there has been no documentation
submitted by *** *** or her physician indicating that she did in fact undergo
an examination and treatment, as required under the plan, for the flare up she
indicates she suffered prompting her cancellation. As also previously advised, in order for us
to further review *** *** claim, we will need such documentation of an
examination and treatment at the time of her cancellationTo that end, should *** *** like us to request such documentation from her physician, we request she
sign and return the Authorization for Release of Medical Information attached
with our prior response. Once received,
we will contact *** *** physician to obtain the needed documentation
regarding her medical condition.
However, until we receive documentation confirming
*** *** underwent an examination and treatment at the time of her
cancelation, we will be unable to consider her request for reimbursement. Should you have any additional questions,
please do not hesitate to contact us

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:
My illness meets all of their stated criteriaApparently, they asked for me to authorize release of records but didn't bother to contact the list of doctors I providedAnd, they still do not state what medical specialist reviewed those records and decided that s/he was better able to determine my condition that the list of doctors who treated meThis is beyond frustrating and angering*** ***
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

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:
My complaint has not been resolved because they have not refunded the cost of my plane ticketTheir response demonstrates clearly why I challenged the credentials of the employee making a decision about my medical condition and the justification for denial based on a pre-existing condition without the presence of a pre-existing rider in the policyMy *** *** was diagnosed at age seven and any qualified physician would know that a *** patient with *** *** *** has an *** *** *** that can attack any place in the body at any time, but can also have long periods of remissionA *** would know that a patient who has dealt with this for over fifty years would know how to treat a flaand only need to see the doctor if the usual methods did not bring things under controlThis particular flawas not resolved within a few days, I saw the doctor, went through months of physical therapy and treatments, and saw an *** *** for what was billed as a minor surgical procedure before it was completely resolved in MayTo be clearer, I, someone who is used to living with chronic pain, was in excruciating pain for seven months, with a locked shoulder much of that time that would have made traveling miserable and lifting a bag into an overhead compartment impossible
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

We have reviewed *** ***s complaint regarding the processing of her claim Trip Cancellation benefits. We are providing our response accordingly. We received *** ***s completed claim form and reviewed it for eligibility of coverage under the terms and conditions of the
protection plan purchased. We did confirm that *** ***s reason for cancellation did fall within the plan’s specified reasons and she was eligible for coverage. We then contacted the tour operator to confirm the amount of the penalty assessed on *** ***s cancellation and any refunds provided to her by the tour operator directly. I am pleased to advise that we did receive this information and *** ***s claim has been set up for payment. Note, a total penalty in the amount of $was assessed on *** *** and her traveling partners’ booking. *** *** and one of her two traveling companions cancelled, while the third traveler did continue on the trip as planned. Accordingly, we have provided payment to *** *** in the amount of $383.50, one half of the penalty assessed on the two cancellations on this booking. This payment has been sent to *** *** under separate cover As payment has been provided, we have closed this matterWe trust that we have sufficiently responded to the concerns contained in *** ***s complaintShould you have any additional questions, please feel free to contact our office

We have reviewed *** ***’s complaint and we are responding accordingly In her complaint *** *** indicates that she initiated a claim with us for her and her sister’s cancellation. She further states that since that time she has submitted the requested information to our
office numerous times, with additional information being requested each time, and various email addresses provided to which to submit such information. Please note that following *** ***’s claim initiation on September **, 2014, the first submission of documentation received from *** *** was received by us on January *, 2015. This documentation included copies of the emailed correspondence *** *** had been engaged in with *** directly, not with our office. Accordingly, it appears that *** *** erroneously believed she had submitted the claim under the travel protection plan to our office when in fact she had been working with *** We have reviewed the items *** *** submitted to us on January *, 2015. While the claim form we had sent to *** *** and *** *** on September **, for completion was not included with the items *** *** forwarded, sufficient medical documentation has been provided so as to allow us to finalize the claim at issue. Accordingly, we are currently providing payment to *** *** and *** ***, in the amount of $per person, under separate cover. Such payment represents the cancellation penalty applied on their cancelled airline tickets We are pleased we were able to finalize *** *** and her sister’s claim and trust this matter is now concluded. 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 ***, and find that this resolution is satisfactory to me and the matter has been resolved
Sincerely,
*** ***

We have reviewed *** **’s complaint regarding the payment provided under his Car Rental Insurance coverage claim. As indicated, this plan contains a $deductible which was appropriately applied to the payment made on *** **’s behalf to the rental agency. In his complaint, *** **
asserts that the plan he purchased had a $deductible, though he submitted no documentation regarding this. Please understand that the plan offered at the time of *** **’s purchase did in fact contain a $deductible. As such, our payment less such deductible was indeed appropriateWhile we are comfortable with our determination on this claim, we have, solely as a business consideration in this particular instance, agreed to make an exception and provide the additional reimbursement of the plan deductible, in the amount of $250.00, to the Damage Recovery Unit of *** ***. Please understand that though this deductible is not a covered expense under the protection plan, and the original claim determination was proper. Payment will be sent to *** under separate cover. 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:
[Your Answer Here]
I feel that the service provided by Berkely Group was highly misleading and the very few situations that the "insurance" covers should be included in an obvious disclaimer to the buyer when purchasingI did not use my hotel stay and I spent extra money to make sure that it would be refundable in case that happenedI still feel that I was cheated out of my money and deserve a refund.Thank you
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***

We have reviewed *** ***’ complaint and we are responding accordingly. In his complaint, *** *** advised that he, his wife and her sister cancelled their travel plans to Orlando because the church reunion they were to attend there was cancelled due to lack of participation, as per the
documentation submitted. Unfortunately, *** and *** *** and *** ***’ 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. The following are the specified, non-medical reasons for cancellation which would make one eligible for reimbursement under the plan: Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy:abeing directly involved in a documented traffic accident while en route to departure;bbeing hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer;chaving your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other Natural Disaster;da Terrorist Act which occurs in your departure city or in a city which is a scheduled destination for your Covered Trip provided: The Terrorist Act occurs within days of the Scheduled Travel Date for your Covered Trip;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;fyour Host at Destination is hospitalized or dies (applicable only to Flight Cancellation);ga Natural Disaster occurs, which causes a complete cessation of travel services at point of departure and/or destination;hterrorism occurs in a country included on your travel itinerary which leads the U.Sgovernment to issue a Travel Warning against travel within a country included on your travel itinerary for a period that would include your scheduled Covered Trip; oriyour, a traveling Immediate Family Member's or Traveling Companion's approved, written military leave is involuntarily revoked as a result of being temporarily or permanently reassigned, being called into active military reserve or an extension of deployment beyond a defined tour of duty within days of departureAll leave must be approved prior to the Policy effective date. However, the cancellation of an event, such as the reunion *** and *** *** and *** *** were to attend, and for which they scheduled the trip, is not one of these specified reasons. As such, we are unable to consider their request for reimbursement on such basis. While we understand *** and *** *** and *** ***’s disappointment at the outcome of their request for reimbursement, we hope this has provided further clarification of the claim determination made and understanding that each request must be considered in accordance with the terms and conditions of the plan purchased

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:

[redacted] is a liar. I never made any claim that either the two [redacted] banks that I visited or the ACE check cashing service store stated that because this check was over $500 that is was not cash able. Those three places simply stated that this check was non-cashable regardless of its amount.I never asked that a replacement check be issued to me.I court, I will be asking for [redacted] to prove her fraudulent claims either in writing or via recorded phone conversations.I am not allowed to open any bank account, and I am disabled (which will also be proven in court) and cannot visit any more banks or check cashing places, especially considering that I have already been denied at three of them.My next move will be to sue this company, along with reporting them to all applicable social and news media outlets.  [redacted]

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:

My apologies if my previous explanation was not clear. The reason for the trip cancellation was not simply due to the "fear of the Zika virus" - this cancellation was a doctor's order due to her medical condition (as a result of her pregnancy). If a letter from the doctor is required, I will be more than happy to provide one. Furthermore, the manner in which the "trip insurance" was advertised through Expedia was incredibly misleading. We purchased this insurance solely for this purpose. While I appreciate the response to this dispute, this is not an acceptable resolution - nor is it moral. If we are unable to resolve this dispute through Revdex.com, we will have to pursue other avenues.Regards,[redacted]
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

We have reviewed [redacted] complaint on behalf of her son, [redacted], and we are responding accordingly.  In her complaint, [redacted] advises that her son, [redacted], cancelled his travel plans to Chicago because the event he was to attend there was cancelled, as per the...

documentation submitted.   Unfortunately, [redacted] 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.   The following are the specified, non-medical reasons for cancellation which would make one eligible for reimbursement under the plan: Other Covered Events means only the following unforeseeable events or their consequences which occur while coverage is in effect under this Policy: a change in plans by you, an Immediate Family Member traveling with you, or Traveling Companion resulting from one of the following events which occurs while coverage is in effect under this Policy: (a) being directly involved in a documented traffic accident while en route to departure; (b) being hijacked, Quarantined, required to serve on a jury, or required by a court order to appear as a witness in a legal action, provided you, an Immediate Family Member traveling with you or a Traveling Companion is not: 1) a party to the legal action, or 2) appearing as a law enforcement officer; (c) having your Home made uninhabitable by fire, flood, volcano, earthquake, hurricane or other natural disaster; (d) Your involuntary termination of employment or layoff which occurs after your effective date of coverage and was not under your control. You must have been continuously employed with the same employer for 1 year prior to the termination or layoff. This provision is not applicable to temporary employment, independent contractors or self-employed persons. However, the cancellation of an event, such as the rally [redacted] was to attend, and for which he scheduled the trip, is not one of these specified reasons.   As such, we are unable to consider this request for reimbursement on such basis. Please note that the plan in its entirety is provided prior to purchase for review.  Further, the confirmation provided following the purchase contained 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 [redacted] disappointment at the outcome of this request for reimbursement, we hope this has provided further clarification of the claim determination made and understanding that each request must be considered in accordance with the terms and conditions of the plan purchased.

We are in receipt of the complaint submitted by [redacted] and are responding accordingly.   As per the information received, [redacted] cancelled her trip due to concerns related to the [redacted].   The plan [redacted] purchased provides a cash reimbursement as a result of a...

trip cancellation in the event of certain risks, both non-medical and medical.   One such specified medical reason is a cancellation due to a Sickness.   Sickness is defined in the Plan as follows:   Sickness means an illness or disease of the body which: 1) requires examination and treatment by a Physician, and 2) commences while the plan is in effect.   The Plan also contains specific exclusions to the eligibility for coverage.   One such exclusion states the following:  General Plan Exclusions In Parts A & B: We will not pay for any loss caused by or incurred resulting from:… normal pregnancy, except if hospitalized;   From the information received, there is no indication that [redacted] was suffering from a Sickness, as defined under the Plan, at the time of the cancellation.   Rather, we understand that the reason for her decision to cancel her travel plans was due to her pregnancy and the concerns for the potential of an illness occurring in relation to the [redacted].  While we certainly can appreciate and empathize with her decision to cancel her trip, unfortunately, as the reason for such cancellation, namely the concern for the potential of contracting an illness, is not a specified reason under the Plan, we were unable to consider her request for reimbursement.    However, upon review of the communication with [redacted] we do not believe it was clear that this was not a covered peril under the policy.  As such we have agreed to provide [redacted] with the requested reimbursement.   Accordingly, payment in the amount of $1,154.50, the penalty held on this booking less the refunds provided, is currently being provided to [redacted] under separate cover.   We trust this shall conclude this matter.  Should you have 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 have determined that my complaint has NOT been resolved because: 
I will take matters up with my airline...as they accepted my dr note for another flight..as I stated I will let my fans around the world know the disgrace scam of a company you are.
[redacted]

Revdex.com:Re: Complaint ID [redacted]Although basically I have resolved this issue on my own, this company's customer service is truly awful! Down to my final follow up returned phone call at 10:32 this morning; speaking to a supervisor, I felt that her overall tone (as she had...

apparently called to rebukingly tell me that she had the canceled check in her hand) was arrogantly non-apologetic regarding any failure on AON's part and very demeaning towards to me.I can only hope that this Revdex.com complaint (now added to the others) will inspire AON's Executive Team to initiate some kind of customer service improvement training and/or policy change(s). Resolution was a simple matter of just telling me to begin with that they had mailed the check to my son.I thank Revdex.com for all that you do!

We have reviewed [redacted]s additional comments and would like to assure that [redacted] was indeed provided with the full terms and conditions of the plan prior to her purchase.  Please note that the confirmation sent to [redacted] at [redacted] on 9/**/14 – the day she made the booking required acceptance prior to the booking being finalized.  The tour operator confirms that [redacted] accepted this confirmation on 9/**/14, signifying that she had read and accepted the terms provided with the confirmation, which does include the link to the full terms and conditions of the protection plan.  As such, [redacted] was indeed provided with the plan in its entirety at the time of purchase. Further, please note that the plan is also available on the tour operator’s website for review at any time.   Accordingly, [redacted] had full access to review the terms of the plan both prior to and after her purchase.  We certainly understand [redacted]s disappointment in the denial of the request for reimbursement.  However, we must adhere to the terms and conditions of the plan purchased and provided to [redacted].