We are in receipt of the complaint submitted by [redacted] and are responding accordingly As per the information originally provided, [redacted] cancelled her Carnival Cruise due to concerns related to the Zika virus and her pregnancy The Plan [redacted] and her family 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 effectAn illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the effective date of this plan is not a Sickness as defined herein and is not covered by the plan 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 under the plan, caused by or incurred resulting from: pregnancy, except if hospitalized; or elective abortion; From the information originally received from [redacted] and her physician, there was no indication that [redacted] was suffering from a Sickness, as defined under the Plan, at the time of her cancellation Rather, we understand that the reason for [redacted] ***’s 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 Zika virus While we certainly can appreciate and empathize with [redacted] ***’s decision to cancel the trip, unfortunately, as the reason for such cancellation, namely the concerns 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 receipt of this complaint, we did reach out to [redacted] to discuss the matter [redacted] advised that she in fact experienced a complication with her pregnancy and indicated that was the basis of the decision to cancel the trip In order to allow us to further review [redacted] ***’s claim, it is necessary to obtain additional medical documentation from [redacted] ***’s physician Accordingly, we are currently working with [redacted] ***’s physicians, [redacted] and [redacted] , to secure this additional necessary documentation Once received, we will be able to further review [redacted] ***’s claim to determine if her reason for cancellation does in fact fall within the bounds of the plan purchased We anticipate receipt of this information shortly We will notify [redacted] of our final determination at that time 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 While we await receipt of the requested documentation, should you have additional questions, please feel free to contact our office
We have reviewed [redacted] ’s complaint and we are responding accordingly In her complaint [redacted] states that she cancelled her trip for her own illness and submitted the required documentation Please note that while the plan does contain coverage for a cancellation as a result of an illness of the traveler, the plan contains specific requirements which would make said insured eligible for reimbursement In particular, in order to qualify for coverage as a result of an illness, the insured must undergo examination and treatment by his or her physician during the coverage period and at the time of cancelation From the information submitted, [redacted] did not meet these plan requirements, not having undergone an examination and received treatment from a physician at the time of her cancelation or at any time during her term of coverage, June **, through September **, Rather, the information submitted indicates that the last visit [redacted] had with her physician was on February **, As such, [redacted] was not eligible for coverage under the plan and we were unable to consider her request for refund Please note that the plan in its entirety was provided to [redacted] prior to and concurrent with her purchase, including the plan requirements regarding a cancelation due to an illness Further, the confirmation provided to [redacted] contained a link to the plan, including contact information for our office for any questions regarding the planFinally, the plan also provides a ten-day right to examine, offering the opportunity to cancel the coverage within ten days of purchase should the participant decide the plan does not meet with their needs With regard to [redacted] ’s comment about us being non-responsive to her emails, please note that this complaint was the first contact received from, or on behalf of, [redacted] since the denial of her claim Please be assured that had we received a request from [redacted] to further clarify the determination made on her claim, we would have been happy to discuss same with her We trust this has 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 have determined that my complaint has NOT been resolved because: [Let us summarize:1] I book a Carnival cruise and purchase the recommended travel insuranceGood2] Airline flight is cancelled "DUE TO SEVERE WEATHER", No other flight availableI miss the cruiseBad3] But wait, I have travel insurance.Good.4] No, the travel insurance company responds with an endless list of restrictions and conditions which seem to release them from ever having to pay any claimIt would seem fairly obvious that if I, in good faith, purchase travel interruption insurance, and that travel does not occur, then the insurance company will honor their responsibility for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]
We have reviewed [redacted] complaint regarding the denial of her claim for payment under her Car Rental Insurance plan As the plan [redacted] purchased contains a $deductible, and as the amount of [redacted] claim was below that $deductible, we were unable to provide any reimbursement to [redacted] We note that in her complaint, [redacted] indicates that she was unaware the plan she purchased contained this $deductible Further, to demonstrate her point that the plan does not contain an indication of the deductible, [redacted] provided an “ [redacted] mock rental” and included this with her complaint I have attached the mock rental [redacted] provided and would direct your attention to the section regarding adding the protection plan You will note that the full terms and conditions are made available prior to the booking via the link in blue – View terms, conditions and plan sponsor The full plan that was provided via this link to [redacted] during her actual booking, as well as during the “mock car rental” [redacted] submitted for reference, a copy of which is also attached here, does indeed contain the notice of the $plan deductible You will note that under the Description of Coverage of the plan on page 1, it states: Schedule: [redacted] , Inc Maximum Benefit Amount Rental Car Damage $35,($Deductible) The plan further goes on to define Deductible as follows: Deductible means the amount, which must be incurred by you before benefits are paid under the plan The Deductible is equal to the amount shown in the Schedule for each person insuredWhile we understand that [redacted] did not make note of the plan deductible in the documents provided to her both during her actual booking as well as during her “mock car rental” booking, as the plan does contain this $deductible we are unable to consider [redacted] request for reimbursement of the damages incurred which were below this deductibleWe trust we have responded to the concerns raised in [redacted] complaint, and have provided clarification regarding the denial of her claim Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] s complaint regarding the processing of the claim for [redacted] S [redacted] for Trip Cancellation benefits We are providing our response accordingly We received a claim initiation advising that [redacted] and MsS [redacted] were attempting to change the original airline ticket or cancel and repurchase a new ticket, indicating that they would advise us of the situation once they’d made their decision We acknowledged receipt of the claim submission and the need for such documentation once available [redacted] later submitted documentation indicating that the original, insured airline ticket had been cancelled and a new ticket purchased We then proceeded to provide the full refund of the original, cancelled, airline ticket for which the coverage had been purchased, in the amount of $ Please understand that this is the maximum benefit available under this coverageThe plan states: In no event shall the amount reimbursed under Trip Cancellation or Trip Interruption exceed the amount you prepaid for your Flight While we understand that MsS [redacted] purchased a new airline ticket for her new travel date, please understand that there is no coverage for any additional cost of such ticket over the cost of the original ticket purchased and reimbursed The payment provided to MsS [redacted] represents the maximum benefit to which she was entitled under the plan purchased As full payment of this claim has been provided we have closed this matterWe trust that we have sufficiently responded to the concerns contained in [redacted] ***’s complaintShould 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 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 resolutionThank 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 further comments advising of her submission of the physician form required for further claim review Please note that we did indeed receive the Attending Physician Statement (“APS”) [redacted] had completed by DrJoycelyn DM** However, rather than affirming the date of examination performed by DrM [redacted] and treatment provided by DrM**, which was noted in our prior response as being required under the plan, DrM [redacted] in fact simply affirmed that she had performed no such examination and had provided no such treatment to [redacted] ***, noting on the APS under the question of examination and treatment of [redacted] ***, “None for this condition.” Further, DrM [redacted] indicates that she knows of no treatment received by [redacted] from any other physician for this condition As the medical documentation submitted by [redacted] affirms that she underwent no examination and treatment by a physician during the coverage period and at the time of cancellation, we must maintain our original determination on this claim Please note that correspondence was sent to [redacted] on October [redacted] advising of such determination We trust this responds to [redacted] ***’s further inquiry and this matter is now concluded Should you have any further questions regarding this matter, please feel free to contact our office
We have reviewed [redacted] ’s additional comments and we are responding accordingly While we can certainly appreciate [redacted] ’s position, due to the number of inconsistencies previously noted, we are unable to consider this claim at this time until the requested documentation has been received and we have an opportunity to review same Please note that death for which [redacted] stated he had cancelled his trip occurred in mid-June 2016, as per the information he originally supplied However, [redacted] did not contact our office to initiate a claim until September **, Further, there is no time limit on claim submissions Once [redacted] has time to gather the correct documentation for his claim submission, he should feel free to submit same for our review We trust this has responded to the additional comments from [redacted] Should you have any additional questions, please feel free to contact our office
We are in receipt of the complaint filed by [redacted] and are responding accordingly [redacted] initiated two separate claims on behalf of her traveling party One claim for her mother, [redacted] , who was traveling on one itinerary, and one for herself and two others traveling on a separate itinerary [redacted] and her companions’ claim was reviewed and payment went out to them on June *, [redacted] ’s claim was reviewed and payment was sent to her on June **, [redacted] contacted our office to advise that she and her companion on the second itinerary had not yet received our payment, having apparently been sent to an incorrect address We then began the process to void those checks in order to reissue new ones Upon approval of the void on June **, 2017, these replacement checks were requested for reissuance to [redacted] and her traveling companions and were sent on July *, 2017, the first payment issuance following such void We trust that [redacted] and her companions have received such payment at this time If there is any issue with the receipt of this payment, we request [redacted] contact us to review As this claim is now settled, this will conclude this matter Should you have any additional questions, please feel free to contact our office
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 StLucia on However, as that was prior to the scheduled trip booked through Funjet, which commenced on 1016, we were unable to use that verification as a reason for the delayed cheto their hotel on the *** 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 chefor [redacted] and [redacted] Accordingly, payment in the amount of $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
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: This complaint has not been resolved, I pick not resolved, I still dont have my money [redacted]
We have reviewed [redacted] ***s complaint and we are responding accordingly In her complaint, [redacted] states that she submitted the information needed regarding her cancellation and we have not yet provided her refund Please note that we spoke to [redacted] several times regarding her claim and advised her on September *, what information is needed in order to continue our review of her claimWe are currently awaiting such documentation More particularly, when [redacted] submitted her claim form to us, she did not submit a completed Attending Physician Statement from her treating physician nor note any dates of treatment Rather, she noted that she was an employee of a hospital and simply provided generic information regarding her medical condition As such, we were unable to consider the claim as verification of examination and treatment by a physician at the time of the cancellation, which is required under the plan, was not provided As per our discussion with [redacted] on September *, 2017, we advised that in order for us to continue our review of her claim, sufficient medical documentation must be submitted to allow us to confirm that her reason for cancellation meets the plan’s terms and conditions At that time [redacted] advised that she would have her physician complete the Attending Physician Statement and submit same to our office To date we continue to await submission of this documentation Please understand that until sufficient medical documentation has been submitted to allow us to continue our review of the claim, we will be unable to make any further determination on [redacted] ***s request for reimbursement Upon receipt of same, we will give [redacted] ***s claim our immediate attention We trust this has addressed the concerns raised in [redacted] ***s correspondence Should you have any additional questions regarding this matter, 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: It wasn't that I had to "fulfill job obligations" -- the place of business was closed entirely for the week, that was beyond my control Furthermore the description of coverage says "e your 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;"I was involuntarily laid off for a week, and it was not under my control NOWHERE does it state how long the layoff has to be for.And: "ga Natural Disaster occurs, which causes a complete cessation of travel services at point of departure and/or destination;" -- A large part of my neighborhood was destroyed by flooding and I am still have to take detours just to get around my routes to and from work.This company should not be allowed to scam people out of money, this was out of my control I will be glad to contact any and all media to let them know that this company is trying to scam a flood victim out of insurance money This is disgraceful and NOT ok In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]
We have reviewed [redacted] s additional comments regarding this claim and are responding accordingly As advised previously, we show no record of the calls [redacted] contends she had with our office If she maintains her position, she will need to supply the requested information to allow further research However, at this time, as we have found no evidence to substantiate her contention, we consider that issue closed With regard to the documentation requested and submitted, please note that this documentation was required in the course of the claims process to verify the basis of the claim, and to allow payment of the claim to MsS [redacted] for the applicable, maximum benefit As advised, the appropriate and full payment of this claim has been provided to MsS [redacted] The draft for said payment remains valid for a period of six months from date of issue, July *, We trust this matter is now concluded
We have reviewed [redacted] ***s complaint and we are responding accordingly In her complaint, [redacted] advised that she was unable to travel as her employer rescinded her vacation day approval As was explained to [redacted] ***, the plan she purchased contains a listing of specified reasons, both medical and non-medical, which would make one eligible for benefits under the Trip Cancellation coverage However, a cancellation due to lack of vacation day approval is not among the list of specified reasons As such, we are unable to consider [redacted] ***s request for reimbursement While we certainly appreciate [redacted] ***s disappointment regarding the outcome of her claim, we must consider each claim under the terms and conditions of the plan Please note the full plan, including all terms, conditions and exclusions, was provided to [redacted] prior to and concurrent with her purchase Further, our contact information is provided for any questions regarding the plan Finally, the plan contains a 10-day free look period wherein an insured may cancel the coverage within days of purchase should they decide it does not provide the coverage which they are seeking We trust that we have provided the requested clarification of the handling of this claim Should you have any additional questions, please feel free contact our office
We are in receipt of the complaint filed by [redacted] and are responding accordingly [redacted] *** [redacted] began their cruise vacation but disembarked from the sailing the following day They submitted a claim to our office seeking reimbursement of their Trip Interruption benefits However, from the information received, it indicated that [redacted] , who uses a C-Pap machine while sleeping, discovered that his machine was not functioning and the couple decided to disembark due to such mechanical issue Please understand that a mechanical issue with the machine alone would not be a specified reason for interruption under the plan and as such we were unable to consider the couple’s request for reimbursement However, based on the clarification provided in [redacted] ’ complaint, as well as additional medical information regarding the circumstances surrounding the decision to end their participation on the cruise early, we were able to re-review the claim More particularly, we have affirmed that due to the mechanical issue with [redacted] ’ C-Pap machine, he experienced an exacerbation of the underlying medical condition which requires the use of this machine That exacerbation was confirmed by the ship’s physician who in fact recommended the [redacted] ’ disembark the cruise at the first port of call as a result of [redacted] ’ medical condition I am pleased to advise based on the additional information reviewed, we have been able to reverse our original determination on the [redacted] ’ claim Accordingly, on April *, we sent payment to the [redacted] es in the amount of $per person for their missed cruise portion and the additional transportation expenses for their early return However, additional charges incurred for a hotel stay before their return flight was not eligible for reimbursement under the terms of the plan As this claim is now settled we trust this will conclude this matter Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] ’s complaint and are responding accordingly The plan that [redacted] purchased on May **, does indeed offer coverage for a flight cancellation in the event of a job loss However, the plan does specify that this coverage does not apply to “temporary employment, independent contractors or self-employed persons.” Based on the information received from [redacted] and her traveling companion, [redacted] ***, the cancellation was due to [redacted] ***’ job loss However, from the information submitted, [redacted] was a co-owner of the business that ceased operations on May **, 2017, two days after their purchase of the plan As [redacted] was self-employed, his and [redacted] ’s reason for cancellation is specifically excluded under the terms of the plan and we are unable to consider their request for reimbursement Please note that the plan in its entirety is provided prior to purchase for review Further, the confirmation provided to [redacted] and [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 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 regarding her sister’s claim for Trip Cancellation benefits Please note that [redacted] ’ sister, [redacted] , was booked to travel on December *, but cancelled several days prior to departure due to her own medical condition A claim was initiated for [redacted] and a claim form was sent to her for completion As a part of this claim form, there is an Attending Physician Statement that is to be completed in full by the treating physician When the claim form was originally returned it did not include a completed Attending Physician Statement Rather, a letter was submitted which provided only partial medical information regarding [redacted] ’ reason for cancellation As the balance of the information was needed to enable us to review the claim, we did send correspondence to [redacted] to request the Attending Physician Statement be completed and returnedPrior to receipt of this complaint, [redacted] contacted our office on her sister’s behalf to discuss the matter, explaining the language barrier with her sister’s physician and the documentation previously submitted as verification of the medical condition and treatment of [redacted] I am pleased to advise that, after further review, we did agree to honor the claim despite not receiving the full response requested Accordingly, payment was provided to [redacted] on March *, in the amount of $660.15, representing the full airline ticket costAs this claim has now been settled we trust this will conclude this matter Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] ’s complaint and are responding accordinglyPlease note that [redacted] states he canceled his scheduled flight due to his 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] contacted our office on October **, 2015, to advise that he was unable to take his scheduled flight on October **, 2015, due to his own medical condition and he wished to initiate a claim for the losses associated with the cancelation or change of this ticket Contrary to [redacted] ’s assertion that he was not advised at the time he initiated his claim that he would need to provide verification of the examination and treatment he received at the time of his cancellation, in fact this information was relayed to [redacted] during said conversation More particularly, a review of this conversation confirmed that our representative advised [redacted] that the claim form contained a section that would need to be completed by his treating physician [redacted] expressed his displeasure at this requirement as he advised it would cost him $to have his doctor complete the claim formOur representative relayed her understanding of his concerns but reiterated that this was a plan requirement Further, please note that the plan requirements, including the requirement of an examination and treatment at the time of a trip cancellation, are noted in the plan’s description of coverage This description of coverage was provided to [redacted] prior to his purchase of the plan, with a link to an additional copy provided on the confirmation of his purchase As such, [redacted] had ample notice of the plan requirements regarding a Trip Cancellation claim for a medical illnessWith respect to [redacted] ’s assertion that he was not sent a claim form for a number of weeks after initiating his claim, please note that a claim form was sent to [redacted] via email, at [redacted] , concurrent with the claim initiation, at 5:17pm on October **, [redacted] then contacted our office again on November *, regarding receipt of the claim form and a second copy of the claim form was emailed to the same address at 12:07pm on November *, Within minutes of the sending of this second claim form, [redacted] again called our office and he again requested the claim form be emailed A third copy of the claim form was then emailed to [redacted] at the same address at 3:19pm that same afternoonAccordingly, every effort was made to provide [redacted] with a claim form for his completion Though [redacted] has not yet submitted a completed claim form, based on the information he included in his complaint, he affirmed that he in fact did not see a physician at the time of his cancellation As [redacted] does not meet the plan requirements indicated above, we are unable to consider his request for reimbursement and must decline coverage at this time and will notify him of this decision under separate coverWhile we certainly understand [redacted] ’s disappointment in the claims process, please understand that we must consider each claim under the terms and conditions of the Plan purchasedWe 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
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 have never received the automated answer they claim I did, but at this point it's my word again theirsI have offered a screen shot of the last email I ever got from themAlso, I already had my doctor submit paper work, twice, and I am a bit reluctant to go back to her without knowing what exactly they want this timeI am afraid that it will still not meet their needsCan they be very specific about the type of documentation they need, so I do not take so much of the doctor's time again? They can also call her directly.This is really starting to feel more and more like an excuse after another for not paying the claim [redacted]
We are in receipt of the complaint submitted by [redacted] and are responding accordingly As per the information originally provided, [redacted] cancelled her Carnival Cruise due to concerns related to the Zika virus and her pregnancy The Plan [redacted] and her family 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 effectAn illness or disease of the body which first manifests itself and then worsens or becomes acute prior to the effective date of this plan is not a Sickness as defined herein and is not covered by the plan 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 under the plan, caused by or incurred resulting from: pregnancy, except if hospitalized; or elective abortion; From the information originally received from [redacted] and her physician, there was no indication that [redacted] was suffering from a Sickness, as defined under the Plan, at the time of her cancellation Rather, we understand that the reason for [redacted] ***’s 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 Zika virus While we certainly can appreciate and empathize with [redacted] ***’s decision to cancel the trip, unfortunately, as the reason for such cancellation, namely the concerns 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 receipt of this complaint, we did reach out to [redacted] to discuss the matter [redacted] advised that she in fact experienced a complication with her pregnancy and indicated that was the basis of the decision to cancel the trip In order to allow us to further review [redacted] ***’s claim, it is necessary to obtain additional medical documentation from [redacted] ***’s physician Accordingly, we are currently working with [redacted] ***’s physicians, [redacted] and [redacted] , to secure this additional necessary documentation Once received, we will be able to further review [redacted] ***’s claim to determine if her reason for cancellation does in fact fall within the bounds of the plan purchased We anticipate receipt of this information shortly We will notify [redacted] of our final determination at that time 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 While we await receipt of the requested documentation, should you have additional questions, please feel free to contact our office
We have reviewed [redacted] ’s complaint and we are responding accordingly In her complaint [redacted] states that she cancelled her trip for her own illness and submitted the required documentation Please note that while the plan does contain coverage for a cancellation as a result of an illness of the traveler, the plan contains specific requirements which would make said insured eligible for reimbursement In particular, in order to qualify for coverage as a result of an illness, the insured must undergo examination and treatment by his or her physician during the coverage period and at the time of cancelation From the information submitted, [redacted] did not meet these plan requirements, not having undergone an examination and received treatment from a physician at the time of her cancelation or at any time during her term of coverage, June **, through September **, Rather, the information submitted indicates that the last visit [redacted] had with her physician was on February **, As such, [redacted] was not eligible for coverage under the plan and we were unable to consider her request for refund Please note that the plan in its entirety was provided to [redacted] prior to and concurrent with her purchase, including the plan requirements regarding a cancelation due to an illness Further, the confirmation provided to [redacted] contained a link to the plan, including contact information for our office for any questions regarding the planFinally, the plan also provides a ten-day right to examine, offering the opportunity to cancel the coverage within ten days of purchase should the participant decide the plan does not meet with their needs With regard to [redacted] ’s comment about us being non-responsive to her emails, please note that this complaint was the first contact received from, or on behalf of, [redacted] since the denial of her claim Please be assured that had we received a request from [redacted] to further clarify the determination made on her claim, we would have been happy to discuss same with her We trust this has 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 have determined that my complaint has NOT been resolved because: [Let us summarize:1] I book a Carnival cruise and purchase the recommended travel insuranceGood2] Airline flight is cancelled "DUE TO SEVERE WEATHER", No other flight availableI miss the cruiseBad3] But wait, I have travel insurance.Good.4] No, the travel insurance company responds with an endless list of restrictions and conditions which seem to release them from ever having to pay any claimIt would seem fairly obvious that if I, in good faith, purchase travel interruption insurance, and that travel does not occur, then the insurance company will honor their responsibility for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]
We have reviewed [redacted] complaint regarding the denial of her claim for payment under her Car Rental Insurance plan As the plan [redacted] purchased contains a $deductible, and as the amount of [redacted] claim was below that $deductible, we were unable to provide any reimbursement to [redacted] We note that in her complaint, [redacted] indicates that she was unaware the plan she purchased contained this $deductible Further, to demonstrate her point that the plan does not contain an indication of the deductible, [redacted] provided an “ [redacted] mock rental” and included this with her complaint I have attached the mock rental [redacted] provided and would direct your attention to the section regarding adding the protection plan You will note that the full terms and conditions are made available prior to the booking via the link in blue – View terms, conditions and plan sponsor The full plan that was provided via this link to [redacted] during her actual booking, as well as during the “mock car rental” [redacted] submitted for reference, a copy of which is also attached here, does indeed contain the notice of the $plan deductible You will note that under the Description of Coverage of the plan on page 1, it states: Schedule: [redacted] , Inc Maximum Benefit Amount Rental Car Damage $35,($Deductible) The plan further goes on to define Deductible as follows: Deductible means the amount, which must be incurred by you before benefits are paid under the plan The Deductible is equal to the amount shown in the Schedule for each person insuredWhile we understand that [redacted] did not make note of the plan deductible in the documents provided to her both during her actual booking as well as during her “mock car rental” booking, as the plan does contain this $deductible we are unable to consider [redacted] request for reimbursement of the damages incurred which were below this deductibleWe trust we have responded to the concerns raised in [redacted] complaint, and have provided clarification regarding the denial of her claim Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] s complaint regarding the processing of the claim for [redacted] S [redacted] for Trip Cancellation benefits We are providing our response accordingly We received a claim initiation advising that [redacted] and MsS [redacted] were attempting to change the original airline ticket or cancel and repurchase a new ticket, indicating that they would advise us of the situation once they’d made their decision We acknowledged receipt of the claim submission and the need for such documentation once available [redacted] later submitted documentation indicating that the original, insured airline ticket had been cancelled and a new ticket purchased We then proceeded to provide the full refund of the original, cancelled, airline ticket for which the coverage had been purchased, in the amount of $ Please understand that this is the maximum benefit available under this coverageThe plan states: In no event shall the amount reimbursed under Trip Cancellation or Trip Interruption exceed the amount you prepaid for your Flight While we understand that MsS [redacted] purchased a new airline ticket for her new travel date, please understand that there is no coverage for any additional cost of such ticket over the cost of the original ticket purchased and reimbursed The payment provided to MsS [redacted] represents the maximum benefit to which she was entitled under the plan purchased As full payment of this claim has been provided we have closed this matterWe trust that we have sufficiently responded to the concerns contained in [redacted] ***’s complaintShould 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 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 resolutionThank 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 further comments advising of her submission of the physician form required for further claim review Please note that we did indeed receive the Attending Physician Statement (“APS”) [redacted] had completed by DrJoycelyn DM** However, rather than affirming the date of examination performed by DrM [redacted] and treatment provided by DrM**, which was noted in our prior response as being required under the plan, DrM [redacted] in fact simply affirmed that she had performed no such examination and had provided no such treatment to [redacted] ***, noting on the APS under the question of examination and treatment of [redacted] ***, “None for this condition.” Further, DrM [redacted] indicates that she knows of no treatment received by [redacted] from any other physician for this condition As the medical documentation submitted by [redacted] affirms that she underwent no examination and treatment by a physician during the coverage period and at the time of cancellation, we must maintain our original determination on this claim Please note that correspondence was sent to [redacted] on October [redacted] advising of such determination We trust this responds to [redacted] ***’s further inquiry and this matter is now concluded Should you have any further questions regarding this matter, please feel free to contact our office
We have reviewed [redacted] ’s additional comments and we are responding accordingly While we can certainly appreciate [redacted] ’s position, due to the number of inconsistencies previously noted, we are unable to consider this claim at this time until the requested documentation has been received and we have an opportunity to review same Please note that death for which [redacted] stated he had cancelled his trip occurred in mid-June 2016, as per the information he originally supplied However, [redacted] did not contact our office to initiate a claim until September **, Further, there is no time limit on claim submissions Once [redacted] has time to gather the correct documentation for his claim submission, he should feel free to submit same for our review We trust this has responded to the additional comments from [redacted] Should you have any additional questions, please feel free to contact our office
We are in receipt of the complaint filed by [redacted] and are responding accordingly [redacted] initiated two separate claims on behalf of her traveling party One claim for her mother, [redacted] , who was traveling on one itinerary, and one for herself and two others traveling on a separate itinerary [redacted] and her companions’ claim was reviewed and payment went out to them on June *, [redacted] ’s claim was reviewed and payment was sent to her on June **, [redacted] contacted our office to advise that she and her companion on the second itinerary had not yet received our payment, having apparently been sent to an incorrect address We then began the process to void those checks in order to reissue new ones Upon approval of the void on June **, 2017, these replacement checks were requested for reissuance to [redacted] and her traveling companions and were sent on July *, 2017, the first payment issuance following such void We trust that [redacted] and her companions have received such payment at this time If there is any issue with the receipt of this payment, we request [redacted] contact us to review As this claim is now settled, this will conclude this matter Should you have any additional questions, please feel free to contact our office
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 StLucia on However, as that was prior to the scheduled trip booked through Funjet, which commenced on 1016, we were unable to use that verification as a reason for the delayed cheto their hotel on the *** 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 chefor [redacted] and [redacted] Accordingly, payment in the amount of $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
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: This complaint has not been resolved, I pick not resolved, I still dont have my money [redacted]
We have reviewed [redacted] ***s complaint and we are responding accordingly In her complaint, [redacted] states that she submitted the information needed regarding her cancellation and we have not yet provided her refund Please note that we spoke to [redacted] several times regarding her claim and advised her on September *, what information is needed in order to continue our review of her claimWe are currently awaiting such documentation More particularly, when [redacted] submitted her claim form to us, she did not submit a completed Attending Physician Statement from her treating physician nor note any dates of treatment Rather, she noted that she was an employee of a hospital and simply provided generic information regarding her medical condition As such, we were unable to consider the claim as verification of examination and treatment by a physician at the time of the cancellation, which is required under the plan, was not provided As per our discussion with [redacted] on September *, 2017, we advised that in order for us to continue our review of her claim, sufficient medical documentation must be submitted to allow us to confirm that her reason for cancellation meets the plan’s terms and conditions At that time [redacted] advised that she would have her physician complete the Attending Physician Statement and submit same to our office To date we continue to await submission of this documentation Please understand that until sufficient medical documentation has been submitted to allow us to continue our review of the claim, we will be unable to make any further determination on [redacted] ***s request for reimbursement Upon receipt of same, we will give [redacted] ***s claim our immediate attention We trust this has addressed the concerns raised in [redacted] ***s correspondence Should you have any additional questions regarding this matter, 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: It wasn't that I had to "fulfill job obligations" -- the place of business was closed entirely for the week, that was beyond my control Furthermore the description of coverage says "e your 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;"I was involuntarily laid off for a week, and it was not under my control NOWHERE does it state how long the layoff has to be for.And: "ga Natural Disaster occurs, which causes a complete cessation of travel services at point of departure and/or destination;" -- A large part of my neighborhood was destroyed by flooding and I am still have to take detours just to get around my routes to and from work.This company should not be allowed to scam people out of money, this was out of my control I will be glad to contact any and all media to let them know that this company is trying to scam a flood victim out of insurance money This is disgraceful and NOT ok In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]
We have reviewed [redacted] s additional comments regarding this claim and are responding accordingly As advised previously, we show no record of the calls [redacted] contends she had with our office If she maintains her position, she will need to supply the requested information to allow further research However, at this time, as we have found no evidence to substantiate her contention, we consider that issue closed With regard to the documentation requested and submitted, please note that this documentation was required in the course of the claims process to verify the basis of the claim, and to allow payment of the claim to MsS [redacted] for the applicable, maximum benefit As advised, the appropriate and full payment of this claim has been provided to MsS [redacted] The draft for said payment remains valid for a period of six months from date of issue, July *, We trust this matter is now concluded
We have reviewed [redacted] ***s complaint and we are responding accordingly In her complaint, [redacted] advised that she was unable to travel as her employer rescinded her vacation day approval As was explained to [redacted] ***, the plan she purchased contains a listing of specified reasons, both medical and non-medical, which would make one eligible for benefits under the Trip Cancellation coverage However, a cancellation due to lack of vacation day approval is not among the list of specified reasons As such, we are unable to consider [redacted] ***s request for reimbursement While we certainly appreciate [redacted] ***s disappointment regarding the outcome of her claim, we must consider each claim under the terms and conditions of the plan Please note the full plan, including all terms, conditions and exclusions, was provided to [redacted] prior to and concurrent with her purchase Further, our contact information is provided for any questions regarding the plan Finally, the plan contains a 10-day free look period wherein an insured may cancel the coverage within days of purchase should they decide it does not provide the coverage which they are seeking We trust that we have provided the requested clarification of the handling of this claim Should you have any additional questions, please feel free contact our office
We are in receipt of the complaint filed by [redacted] and are responding accordingly [redacted] *** [redacted] began their cruise vacation but disembarked from the sailing the following day They submitted a claim to our office seeking reimbursement of their Trip Interruption benefits However, from the information received, it indicated that [redacted] , who uses a C-Pap machine while sleeping, discovered that his machine was not functioning and the couple decided to disembark due to such mechanical issue Please understand that a mechanical issue with the machine alone would not be a specified reason for interruption under the plan and as such we were unable to consider the couple’s request for reimbursement However, based on the clarification provided in [redacted] ’ complaint, as well as additional medical information regarding the circumstances surrounding the decision to end their participation on the cruise early, we were able to re-review the claim More particularly, we have affirmed that due to the mechanical issue with [redacted] ’ C-Pap machine, he experienced an exacerbation of the underlying medical condition which requires the use of this machine That exacerbation was confirmed by the ship’s physician who in fact recommended the [redacted] ’ disembark the cruise at the first port of call as a result of [redacted] ’ medical condition I am pleased to advise based on the additional information reviewed, we have been able to reverse our original determination on the [redacted] ’ claim Accordingly, on April *, we sent payment to the [redacted] es in the amount of $per person for their missed cruise portion and the additional transportation expenses for their early return However, additional charges incurred for a hotel stay before their return flight was not eligible for reimbursement under the terms of the plan As this claim is now settled we trust this will conclude this matter Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] ’s complaint and are responding accordingly The plan that [redacted] purchased on May **, does indeed offer coverage for a flight cancellation in the event of a job loss However, the plan does specify that this coverage does not apply to “temporary employment, independent contractors or self-employed persons.” Based on the information received from [redacted] and her traveling companion, [redacted] ***, the cancellation was due to [redacted] ***’ job loss However, from the information submitted, [redacted] was a co-owner of the business that ceased operations on May **, 2017, two days after their purchase of the plan As [redacted] was self-employed, his and [redacted] ’s reason for cancellation is specifically excluded under the terms of the plan and we are unable to consider their request for reimbursement Please note that the plan in its entirety is provided prior to purchase for review Further, the confirmation provided to [redacted] and [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 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 regarding her sister’s claim for Trip Cancellation benefits Please note that [redacted] ’ sister, [redacted] , was booked to travel on December *, but cancelled several days prior to departure due to her own medical condition A claim was initiated for [redacted] and a claim form was sent to her for completion As a part of this claim form, there is an Attending Physician Statement that is to be completed in full by the treating physician When the claim form was originally returned it did not include a completed Attending Physician Statement Rather, a letter was submitted which provided only partial medical information regarding [redacted] ’ reason for cancellation As the balance of the information was needed to enable us to review the claim, we did send correspondence to [redacted] to request the Attending Physician Statement be completed and returnedPrior to receipt of this complaint, [redacted] contacted our office on her sister’s behalf to discuss the matter, explaining the language barrier with her sister’s physician and the documentation previously submitted as verification of the medical condition and treatment of [redacted] I am pleased to advise that, after further review, we did agree to honor the claim despite not receiving the full response requested Accordingly, payment was provided to [redacted] on March *, in the amount of $660.15, representing the full airline ticket costAs this claim has now been settled we trust this will conclude this matter Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] ’s complaint and are responding accordinglyPlease note that [redacted] states he canceled his scheduled flight due to his 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] contacted our office on October **, 2015, to advise that he was unable to take his scheduled flight on October **, 2015, due to his own medical condition and he wished to initiate a claim for the losses associated with the cancelation or change of this ticket Contrary to [redacted] ’s assertion that he was not advised at the time he initiated his claim that he would need to provide verification of the examination and treatment he received at the time of his cancellation, in fact this information was relayed to [redacted] during said conversation More particularly, a review of this conversation confirmed that our representative advised [redacted] that the claim form contained a section that would need to be completed by his treating physician [redacted] expressed his displeasure at this requirement as he advised it would cost him $to have his doctor complete the claim formOur representative relayed her understanding of his concerns but reiterated that this was a plan requirement Further, please note that the plan requirements, including the requirement of an examination and treatment at the time of a trip cancellation, are noted in the plan’s description of coverage This description of coverage was provided to [redacted] prior to his purchase of the plan, with a link to an additional copy provided on the confirmation of his purchase As such, [redacted] had ample notice of the plan requirements regarding a Trip Cancellation claim for a medical illnessWith respect to [redacted] ’s assertion that he was not sent a claim form for a number of weeks after initiating his claim, please note that a claim form was sent to [redacted] via email, at [redacted] , concurrent with the claim initiation, at 5:17pm on October **, [redacted] then contacted our office again on November *, regarding receipt of the claim form and a second copy of the claim form was emailed to the same address at 12:07pm on November *, Within minutes of the sending of this second claim form, [redacted] again called our office and he again requested the claim form be emailed A third copy of the claim form was then emailed to [redacted] at the same address at 3:19pm that same afternoonAccordingly, every effort was made to provide [redacted] with a claim form for his completion Though [redacted] has not yet submitted a completed claim form, based on the information he included in his complaint, he affirmed that he in fact did not see a physician at the time of his cancellation As [redacted] does not meet the plan requirements indicated above, we are unable to consider his request for reimbursement and must decline coverage at this time and will notify him of this decision under separate coverWhile we certainly understand [redacted] ’s disappointment in the claims process, please understand that we must consider each claim under the terms and conditions of the Plan purchasedWe 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
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 have never received the automated answer they claim I did, but at this point it's my word again theirsI have offered a screen shot of the last email I ever got from themAlso, I already had my doctor submit paper work, twice, and I am a bit reluctant to go back to her without knowing what exactly they want this timeI am afraid that it will still not meet their needsCan they be very specific about the type of documentation they need, so I do not take so much of the doctor's time again? They can also call her directly.This is really starting to feel more and more like an excuse after another for not paying the claim [redacted]