Berkely Group

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# 1[redacted], and have determined that my complaint has NOT been resolved because:  I have emailed them an official letter on letterhead that he was checked out and verified to be ill, like requested.  Last time I emailed the company, I never heard back.  Once I hear back from them about the letter I sent, verifying he was ill and what their response is, will determine if I accept the resolution. Thank you
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

We have reviewed [redacted]s complaint regarding his claim for Trip Delay benefits for himself and his traveling companion.   When originally submitted, [redacted] provided verification that he and his traveling companion experienced a flight delay on their outbound flight to St. Lucia on...

10/**/16.  However, as that was prior to the scheduled trip booked through Funjet, which commenced on 10/**/16, we were unable to use that verification as a reason for the delayed check-in to their hotel on the [redacted].     Subsequent to this complaint, [redacted] provided additional information regarding the original booking of this trip.  Based on this additional information, we have agreed to extend such Trip Delay coverage to the delayed check-in for [redacted] and [redacted].   Accordingly, payment in the amount of $200 per person has been provided to the travelers directly.   As this matter has been resolved, we trust that this issue is now closed and we have sufficiently responded to the concerns contained 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 upon her and her parents’ return trip following their cruise, her parents, who are citizens of Trinidad and Tobago, were denied boarding onto the return flight as they did not...

have the required travel documentation for such passage.    As such, [redacted] and her parents remained in Barcelona for two nights while making alternate travel arrangements.   It is reimbursement for the expenses associated with this stay and the family’s new travel expenses which [redacted] requested.     Unfortunately, as the reason for the family’s delayed return is not one covered under the plan, lack of proper travel documents, we are unable to consider their request for reimbursement of the expenses incurred in connection with such delay.     Please note that we cannot address any issues [redacted] indicates regarding information received pertaining to travel document requirements.   While we understand [redacted] disappointment at the outcome of this claim, we hope she can understand that we must review each request 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:

When I made the claim is was during time of duress. The legitimacy of it was and is accurate despite the differences in date and name. I was doing multiple things trying to organize and get things together following this tragic loss. Yes, there are some discrepancies but as one can see per documentation, that is accurate. You can call the state of WV to verify adoption of this said individual if need be! However, I should still receive my funds. This has been ongoing and continually drags it out. It's uncalled for! 
 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

We have reviewed [redacted] complaint and are responding accordingly.  The plan that [redacted] purchased does indeed offer coverage for a flight cancellation in the event of a job loss.  However, there are certain criteria that must be met in order to qualify for such coverage.  ...

In particular, there must be verification that the participant was employed with the same employer for a period of three years or greater prior to the termination or layoff.     Upon receipt of [redacted] claim submission, there was no documentation confirming the length of her employment prior to her termination in April.   Accordingly we sent correspondence to [redacted] requesting this documentation.  No such documentation was received.   Rather, [redacted] husband contacted our office to advise that his wife had in fact been employed for less than one year’s time prior to this termination.    The less than required term of employment was confirmed by [redacted] herself in the subject complaint.   Please understand that this plan requirement, together with all the terms and conditions of the plan is contained within the plan document.   Further, the plan in its entirety is provided during the booking process for a potential participant’s review.    Based on the information provided by the [redacted], outside of and in the complaint submitted, confirm that [redacted] does not meet the plan requirements for length of employment prior to termination, and we must decline [redacted] request for reimbursement at this time.  Correspondence confirming the determination made on this claim is being sent to [redacted] directly under separate cover.   We trust that we have responded to the issues raised in [redacted] 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.
Sincerely,
[redacted]

We have reviewed [redacted]’s complaint regarding the claim payments made on her and her traveling companion’s claim.   Please understand that payment on this claim was made to both [redacted] and her traveling companion individually as each had a protection plan purchased insuring their...

travel expenses.   However, concurrent with this complaint, [redacted] had requested that we reissue her companion’s claim payment to herself as she made payment for her companion’s travel expenses.  As we’ve received no objection to this request from the traveling companion, and as [redacted] provided sufficient documentation confirming her contention regarding payment of the travel expenses, we have made a consideration to provide her companion’s payment to [redacted] directly as reimbursement of the travel costs [redacted] had paid on her behalf.   Accordingly, payment was sent to [redacted] on February **, 2015 in the amount of $293.00.   As this satisfies [redacted]’s request 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 [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.  [redacted] purchased an airline ticket and the travel protection for a friend as a surprise gift.  However, prior to the travel dates, [redacted] reported that her friend’s aunt passed away in Albania, and...

he traveled there to be with his family.   As a result, the friend, [redacted], would not be able to make use of the purchased airline ticket and [redacted] initiated a claim for cancellation. In her initial submission, [redacted] submitted simply a copy of the airline ticket invoice and requested the refund.   We sent correspondence to [redacted] advising that in order to further review the claim we would need a completed claim form as well as verification of the death of the insured’s aunt.   [redacted] replied to this request by advising that as she was not a family member of the decedent, and was in a different country, she would not be able to obtain a death certificate.   It was reiterated to [redacted] at that time that verification of the death was needed in order for us to further review the claim.   Upon receipt of this complaint, we did reach out to [redacted] and again advised what additional information would be needed to further review this claim.  However, we advised that, as a courtesy, we would make a one-time exception and would approve the claim without this required verification.   However, upon confirming to [redacted] that the payment must be provided to the named insured under the plan, [redacted] requested that the payment be provided to her directly as [redacted] was not aware of the gift she had intended to provide and she was not going to be seeing him for some time as they were presently residing in different countries.  We forwarded to [redacted] a Hold Harmless Agreement, for her signature, which will allow us to issue the payment to [redacted] directly.   This again is being done solely as an accommodation and is not the normal course of adjudication.   We have received back the signed agreement and are currently issuing the payment to [redacted].  We trust this information has responded to the concerns raised in the 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 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 itself. Please 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 insurer. Forward 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 available. In 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 **, 2015 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 complaint. Should you have any additional 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 have determined that my complaint has NOT been resolved because:

Please reread my complaint. I am an advisor to the Board Of Directors at Florida Hospital and I assure you that there were rooms available. Broward Medical Center did not have any rooms. I know because I was there and had to wait 14 hours for a room. In addition my wife could not get a hotel room because it was Spring Break.The doctor in Aruba asked for the medical ambulance one day before but was asked to change his recommendation after he talked to your people.Under your direction I was in AFIB 5 days longer than necessary. My heart is now damaged you were a major contributor. Please call so we can reach a settlement.[redacted]

We have reviewed [redacted]’s complaint and we are responding accordingly.   Based on the information received, [redacted] cancelled her scheduled trip because the event for which she had purchased the airline ticket was cancelled and therefore, she no longer had a need to travel.  ...

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, as a change in plans due to the cancellation of a planned event is not one of the covered reasons under the plan, we were unable to consider her request for reimbursement.    Please note that the plan in its entirety is provided prior to purchase for review.  Further, the confirmation provided to [redacted] 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 and notice of a 10 day right to examine the plan to determine if it meets with the insured’s needs.   Finally, with regard to [redacted]’s comments regarding the time frame of the claims process, please note that [redacted] initiated a claim with our office on January *, 2017 and a claim form was sent to her for completion on January 9th.  [redacted]’s completed claim form was received on January [redacted] and the claim determination was made the following day, at which time we sent [redacted] notice of the decision.   Further, [redacted]’s appeal letter was received in our office on January [redacted] and our response back to [redacted] reaffirming our decision on the claim was sent on January [redacted].   As such, we see no issue with the processing of [redacted]’s claim.     We trust that we have addressed the concerns raised in [redacted]’s complaint.   Should you have any additional 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 are in receipt of the complaint submitted by [redacted] and are responding accordingly.   As per the information received, [redacted] and his family cancelled their trip to Aruba due to concerns related to the [redacted].   The Plan the [redacted] purchased provides a...

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 the family’s decision to cancel their 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 the [redacted]’ decision to cancel their 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 their request for reimbursement.    Please note that the Plan in its entirety, including all specified reasons for cancellation, as well as all specific exclusions to the eligibility for coverage, are provided to the participant prior to and concurrent with their purchase of the plan.  In addition, our contact information is provided should a potential plan participant have any questions regarding the plan.   We trust we have addressed the issues raised in [redacted]s complaint.  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:

As the Respondent demonstrates, they company offering so called "insurance" is a scam. All potential victims should be advised by making this communication public for the protection of the consumer population. Thank you 
 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]

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. I only have one issue it states that will send my money back to Carnival I asked for it be refunded to my credit card. I am afraid of it is refunded to Carnival cruise lines I will have to go through even more time to get my money back. So if they could just send me a check directly to [redacted]. This would resolve the issue directly with out getting anyone else involved. Thank you for your time in this matter. 
Sincerely,
[redacted]

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 further comments and are responding accordingly.  While [redacted] insists beds were available at his preferred hospital in Orlando, the information provided by the hospital itself to the assistance company pertained to the acceptance of [redacted] as a patient.  Based upon the information we have received from the assistance company, Florida Hospital in Orlando advised the assistance company that acceptance of [redacted] would take 2 to 3 days’ time, thus delaying his needed evacuation.   Contrary to that, the hospital in Ft. Lauderdale confirmed acceptance of [redacted]’s admittance on the day requested.   Accordingly, for the benefit of [redacted]’s wellbeing, and to effectuate his evacuation as timely as possible, the assistance company proceeded with the evacuation to the hospital in Ft. Lauderdale.     With regard to the comment of hotel availability for [redacted] in Ft. Lauderdale, please understand we are unable to comment on such availability throughout the city of Ft. Lauderdale at that time.   However, please understand that the primary purpose and focus of a medical evacuation is to ensure the safe transfer of a patient to a treating facility.      Once again, please understand that we will not be entertaining any settlement request issued by [redacted] and no settlement offer shall be forthcoming.   We trust that we have addressed the additional comments raised in [redacted]’s response.   Should you have any additional questions, please feel free to contact us.

We have reviewed [redacted]’s additional comments and are responding accordingly.   As previously advised, the plan contains a list of specified reasons for cancellation which make one eligible for reimbursement under the terms of the plan.   As [redacted]’s reason for cancellation, namely the loss of a business contract, is not among said specified reasons, he therefore is not eligible for reimbursement.   While we can certainly appreciate [redacted]’s disappointment in the outcome of his claim, we must adhere to the terms of the plan.     Should you have any additional questions, please feel free contact our office.

We have reviewed [redacted]’s complaint regarding his mother, [redacted]’s, claim denial and are responding accordingly.  The plan that [redacted] purchased does indeed offer coverage for a flight cancellation in the event of receipt of a court order to appear as a witness in a legal...

matter, provided the insured individual is not a party to such legal action.     To further clarify the basis of the denial of [redacted]’s claim, the documentation submitted by [redacted] was not a court order, a subpoena, requiring her appearance as a witness in a legal matter of which she was not a party.  Rather, the letter from her attorney, which she submitted, notified  her of a meeting of her creditors in her own bankruptcy matter.   As the matter in question was her own, and not a court-ordered appearance as a witness in a matter of an unrelated individual, such reason for cancellation fell directly under a plan exclusion and we are unable to consider her request for reimbursement.   Please note that the plan in its entirety is provided prior to purchase for review.  Further, the confirmation provided to [redacted] 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 and notice of a 10 day right to examine the plan to determine if it meets with the insured’s needs.   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.