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 have advised [redacted] several times what information is needed in order to continue our review of her claim When [redacted] submitted her claim form to us, she did not complete Section III, the Patient Medical Information, nor did she submit a completed Attending Physician Statement and a signed authorization As has been explained to [redacted] , in order to 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 As well as this documentation having been requested on the claim form, which [redacted] did not complete, we also requested this information by letter on January *, and sent follow up written requests on February [redacted] and March *** In addition, we discussed what information was needed with [redacted] during a telephone call with her on January *** Please note, in addition to our direct contact with [redacted] , we did affirm to the representatives from the travel suppliers she had contact us on her behalf that this medical documentation was needed to continue the claims process Based on our discussion with the travel supplier’s representative on March ***, [redacted] indicated she would be sending in a letter from her doctor regarding the consultation she had due to her illness 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 determination on [redacted] ’ request for reimbursement 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
We are in receipt of the complaint submitted by [redacted] on behalf of his wife, [redacted] and are responding accordingly As per the information received, [redacted] cancelled her trip to Costa Rica after discovering she was pregnant and due to concerns related to the Zika virus The Plan [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: 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 her cancellation, Rather, we understand that the reason for [redacted] ’s decision to cancel her travel plans was due to her recent discovery of 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 her trip, unfortunately, as her reason for such cancellation, namely her 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 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
We have reviewed [redacted] complaint and we are responding accordingly [redacted] had filed claims with our office for Trip Interruption benefits under two separate protection plans he and his wife had purchased in connection with their scheduled European tour The [redacted] began their outbound flight to reach their tour but were unable to continue on as scheduled due to a carrier delay/cancellation Due to this situation, the airline was unable to re-accommodate the [redacted] ’ and they returned home The [redacted] purchased a tour with Trafalgar and booked the airline tickets to reach the tour through Priceline The Edmonds purchased the travel protection plans available in conjunction with both the travel bookings made We processed the two claims submitted by the [redacted] in relation to the interruption of their trip With regard to the claim the [redacted] filed under their Trafalgar plan, the reason for the interruption of the [redacted] travel plans was indeed a specified reason under the terms and conditions of the plan As such, they were eligible for payment of their Trip Interruption benefits Accordingly, we provided the payments to the [redacted] under their Trafalgar travel plan totaling $4, These payments were: $per person on August ***, for the additional expenses they incurred during the flight delay and $1,per person on August ***, for the full cost of their missed tour Apparently upon receipt of that first payment, the [redacted] believed there was no additional payment forthcoming We sincerely apologize for any such misunderstanding With regard to the coverage the Edmonds purchased in conjunction with their airline tickets booked through Priceline, however, regrettably that plan does not contain coverage for a Trip Interruption as a result of a carrier delay or cancellation As such, we were unable to consider the [redacted] request for reimbursement under this plan Please allow me to advise further that, even if the [redacted] had interrupted their travel plans for one of the specified reasons contained in the plan, the losses for which they were seeking reimbursement, namely their original, partially used airline tickets, would not be eligible for refund as there is no coverage for original airfare under the Trip Interruption benefit but rather for any new airfare expenses incurred to return home While we understand the [redacted] disappointment with the interruption of their travel plans, and the outcome of the claim for their airfare, we are pleased we were able to reimburse them for their missed tour We trust this has provided clarification of the claims handling as well as an understanding that we must review each request in accordance with the terms and conditions of the specific plan purchased 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] 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 As such, [redacted] was not eligible for reimbursement 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, an additional copy of the plan was provided with her booking confirmation As such, [redacted] had ample opportunity to review these plan requirements We trust this has responded to the concerns raised in [redacted] complaint Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] complaint and the email correspondence received directly from him, and we are responding accordingly In his complaint, [redacted] advised that he was unable to travel due to work obligations Unfortunately, this is not one of the covered reasons for cancellation under the plan Rather, the plan specifically excludes coverage for a cancellation due to a business obligation As such, we are unable to consider [redacted] request for reimbursement While we certainly appreciate the disappointment [redacted] demonstrates in his correspondence, regarding the outcome of his 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 his 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] cancelled her scheduled trip due to her own medical reason In order to determine that the reason for the cancelation meets the plan requirements, sufficient medical documentation is needed However, the original submission from [redacted] did not contain such medical documentation and we had to request she submit such additional informationI am pleased to advise that we have now completed our final review of all pertinent information submitted and are now able to make payment on the claim Accordingly, payment in the amount of $will shortly be sent to [redacted] directly 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 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 to days’ time, thus delaying his needed evacuation Contrary to that, the hospital in FtLauderdale 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 FtLauderdale With regard to the comment of hotel availability for [redacted] in FtLauderdale, please understand we are unable to comment on such availability throughout the city of FtLauderdale 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 complaint and are responding accordingly We are certainly sorry to hear that [redacted] was not satisfied with her experience with our office However, the information provided to her was correct From the particulars received, [redacted] and her husband cancelled their scheduled flight due to [redacted] s job loss As explained to [redacted] , in order for our office to review the claim, we must receive sufficient documentation confirming that the reason for cancellation meets the plan’s terms and requirements, in particular that the employment from which [redacted] was released was one that he had had for at least one continuous year prior to his termination Please note that subsequent to receipt of this complaint, we did reach out to [redacted] to discuss further the documentation needed [redacted] did then submit additional documentation to us and we have reviewed same As advised to [redacted] directly in correspondence sent on May **, 2017, the documentation submitted indicates that the employment from which [redacted] was released was only for a term of seven months prior to his termination As such, based on this documentation, the reason for cancellation does not meet the terms and requirements of the plan Accordingly, we are unable to provide the [redacted] with the requested reimbursement at this time As also indicated in our correspondence, should the [redacted] have any additional information or documentation from [redacted] s former employer which they feel may have a bearing on their claim, they should feel free to submit same and we would be more than happy to review We trust that we have responded to the issues raised in [redacted] s complaint Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] complaint and we are responding accordingly In her complaint, [redacted] explains that 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
We have reviewed [redacted] ’s complaint and we are responding accordingly In his complaint, [redacted] advised that he cancelled his travel plans because the surgical procedure for which he had booked this trip was cancelled due to a scheduling conflict of the surgeon As such, he no longer needed to travel at that time and submitted his claim seeking reimbursement of his and his wife’s trip costUnfortunately, we are unable to consider [redacted] ’s request on several basis The Plan [redacted] purchased will provide a reimbursement for a cancellation of a Covered Trip due to a number of both medical and non-medical reasons, as specified in the plan However, based on the information received, namely that [redacted] had booked this trip for the purpose of obtaining medical treatment, such travel plans do not qualify under the definition of a Covered Trip and we are unable to consider his request for reimbursement on such basis Further, even if [redacted] ’s travel plans had met the definition of a Covered Trip under the Plan, the reason for the [redacted] ’s cancellation, namely the scheduling conflict of his surgeon, is not among the specified reasons for coverage under the Plan and we would have been unable to consider the request for reimbursement on such basis Finally, a cancellation due to a sickness or injury are among the specified reasons for eligibility of coverage, however, the medical condition must meet the plan’s definitions for such Sickness or Injury, more particularly in this instance, that said condition first occurs or commences while the plan is in effect As [redacted] booked said travel plans on September *, for the sole purpose of undergoing said surgical procedure, the condition in question was not one which had first occurred or commenced after his purchase of the plan Based on all of the above, we are unable to consider [redacted] ’s request for reimbursement of his and his wife’s travel expenses Please note that, prior to purchase, the plan in its entirety, including the complete listing of the specified reasons for eligibility for coverage, as well as the plan’s definitions, is provided to each prospective insured As such, [redacted] was advised of the full terms and conditions of the plan prior to his purchaseWhile we understand [redacted] ’s disappointment at the outcome of his 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 Please note that at the time of receipt of this complaint, we had not yet received [redacted] ’s completed claim form Please be advised that such claim form was received on September **, and we advised [redacted] of the determination made on his claim by letter of that same date
We have reviewed [redacted] additional comments regarding the premium refund she had requestedAs previously advised a premium refund in the amount of $was agreed to and was being provided by the tour operator directlyIn [redacted] communication of January **, 2016, she advised she received confirmation of only a portion of such refund, in the amount of $440.00, having been provided Please be advised that we did reach out to the tour operator to confirm the refund providedWe have been advised that two separate refunds were processed for [redacted] on January *, 2016, both back to their original forms of paymentMore particularly, one refund in the amount of $440.00, was provided to [redacted] to her credit card ending in 0020, and a second refund, in the amount of $199.00, was provided to [redacted] to her credit card ending in *** As these two refunds equal the agreed upon refund of $we trust this matter is now concludedShould you have any further questions, please feel free to contact our office
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 ***, 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 have determined that my complaint has NOT been resolved because: As the Respondent demonstrates, they company offering so called "insurance" is a scamAll potential victims should be advised by making this communication public for the protection of the consumer populationThank 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 additional comments and are responding accordingly [redacted] is arguing that his temporary inability to attend his place of employment constitutes a layoff However, there is no evidence that at the time in question [redacted] was contacted by his employer and advised that his employment was no longer needed and he was being terminated or laid off Rather, from the letter which [redacted] submitted with his claim form, dated October ***, from the South Carolina Department of Health and Environmental Control, at which he works, it was advised that the office was temporarily closed Octobe [redacted] * [redacted] due to extensive flooding in the area It goes on to say that all compensation and leave time has not been approved and advises that any prior time off requests must be used to cover the days during which the office was closed Further, from [redacted] ’s own explanation provided with his claim form, as a result of the time away from work due to this temporary office closure, the time off that he had requested for this trip now must be used to cover the days of the office closure He concludes by saying that because of this, as well as no longer being financially able to afford this trip, he regretfully requests cancellation Accordingly, the denial of [redacted] ’s claim was appropriate as his reasons for cancellation, the loss of his time off requested and any subsequent financial constraints, do not qualify him for coverage under the plan Finally, as evidenced by the letter from [redacted] ’s employer, he was neither terminated nor laid off from his employment and as such, we are unable to consider his request on such basisWith regard to [redacted] ’s mention of the definition of Natural Disaster, please note that as there was no shutdown of all local airports for a period greater than hours at the time of his scheduled flight, nor was [redacted] ’s own home made uninhabitable at that time, we are unable to consider his request on this basisWhile we certainly understand [redacted] ’s disappointment with the outcome of his request for reimbursement, we must review each claim in accordance with the terms and conditions of the plan We trust that we have provided the requested additional clarification of the handling of this claim and this matter is now closed Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] complaint and we are responding accordingly Please note that we have been unable to locate a claim for [redacted] **, nor have we been able to locate any calls from him from the telephone numbers indicated on this complaint In order to allow us to research this matter further, we kindly request that [redacted] provide the reference number under which he indicates his claim was denied In addition we would ask that [redacted] provide both the telephone number from which he contacted our office as well as the telephone number he called to discuss the matter with our office Once we receive this information, we will be happy to further review this matter With regard to [redacted] contention that the plan provides reimbursement for trip interruption for any reason, please allow me to confirm that the plan in fact contains a listing of specified reasons for an interruption which would make one eligible for coveragePlease note that a complete copy of the plan is provided to all prospective insureds prior to and concurrent with their purchase In order to be eligible for coverage, the reason for the interruption would have to be due to one such specified reason and not fall under any of the plan exclusions contained therein In order to make a determination on a claim we would need to receive the supporting documentation regarding the basis of the interruption As we have no record of such information from [redacted] **, we are unable to make such a determination However, we have taken the liberty to initiate a claim on [redacted] behalf and have sent him a claim form via email for his completion [redacted] can follow the instructions on this claim form and submit the supporting documentation he has regarding his trip interruption if he has not already done so and we would be happy to review same However, please allow me to advise that, based on the information contained in [redacted] complaint, an interruption due to an airline’s refusal to allow a passenger to board a flight would not be among the specified reasons for interruption contained in the plan Should [redacted] like us to review this matter further, we ask that he provide the above-requested information regarding his reference number and the telephone numbers used for his discussions with our office We trust that we have responded to the issues raised in [redacted] complaint We look forward to providing a more substantive response once [redacted] provides the needed information to locate his communication with our office 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 After issues with my address, the check arrived by [redacted] this morning (0416) 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 complaint and we are responding accordingly In her complaint, [redacted] advised that she cancelled her scheduled trip due to her temporary job relocation Unfortunately, [redacted] ’s reason for cancellation is not one covered under the plan Please understand that the plan purchased provides reimbursement in the event of a cancellation due to a number of both medical and non-medical reasons as specified in the plan However, a job relocation is not a specified reason in the plan As such, we are unable to consider [redacted] ’s request for reimbursement.Please note that the plan in its entirety, including the full listing of all specified reasons making one eligible for reimbursement is provided to the traveler prior to and concurrent with the purchase While we understand [redacted] ’s disappointment in the outcome of her request for reimbursement We hope this has provided further clarification of the claim determination and understanding that we must review each request in accordance with the terms and conditions of the plan purchased
Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] I emailed the company to let them know that during my stay in Indiana I was with my cousin who is a physician as well as my mother who is an RN If the company needs documentation from a physician, I can certainly provide a letter from my cousin the PA 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 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 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 *, 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 *** 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
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 have advised [redacted] several times what information is needed in order to continue our review of her claim When [redacted] submitted her claim form to us, she did not complete Section III, the Patient Medical Information, nor did she submit a completed Attending Physician Statement and a signed authorization As has been explained to [redacted] , in order to 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 As well as this documentation having been requested on the claim form, which [redacted] did not complete, we also requested this information by letter on January *, and sent follow up written requests on February [redacted] and March *** In addition, we discussed what information was needed with [redacted] during a telephone call with her on January *** Please note, in addition to our direct contact with [redacted] , we did affirm to the representatives from the travel suppliers she had contact us on her behalf that this medical documentation was needed to continue the claims process Based on our discussion with the travel supplier’s representative on March ***, [redacted] indicated she would be sending in a letter from her doctor regarding the consultation she had due to her illness 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 determination on [redacted] ’ request for reimbursement 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
We are in receipt of the complaint submitted by [redacted] on behalf of his wife, [redacted] and are responding accordingly As per the information received, [redacted] cancelled her trip to Costa Rica after discovering she was pregnant and due to concerns related to the Zika virus The Plan [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: 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 her cancellation, Rather, we understand that the reason for [redacted] ’s decision to cancel her travel plans was due to her recent discovery of 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 her trip, unfortunately, as her reason for such cancellation, namely her 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 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
We have reviewed [redacted] complaint and we are responding accordingly [redacted] had filed claims with our office for Trip Interruption benefits under two separate protection plans he and his wife had purchased in connection with their scheduled European tour The [redacted] began their outbound flight to reach their tour but were unable to continue on as scheduled due to a carrier delay/cancellation Due to this situation, the airline was unable to re-accommodate the [redacted] ’ and they returned home The [redacted] purchased a tour with Trafalgar and booked the airline tickets to reach the tour through Priceline The Edmonds purchased the travel protection plans available in conjunction with both the travel bookings made We processed the two claims submitted by the [redacted] in relation to the interruption of their trip With regard to the claim the [redacted] filed under their Trafalgar plan, the reason for the interruption of the [redacted] travel plans was indeed a specified reason under the terms and conditions of the plan As such, they were eligible for payment of their Trip Interruption benefits Accordingly, we provided the payments to the [redacted] under their Trafalgar travel plan totaling $4, These payments were: $per person on August ***, for the additional expenses they incurred during the flight delay and $1,per person on August ***, for the full cost of their missed tour Apparently upon receipt of that first payment, the [redacted] believed there was no additional payment forthcoming We sincerely apologize for any such misunderstanding With regard to the coverage the Edmonds purchased in conjunction with their airline tickets booked through Priceline, however, regrettably that plan does not contain coverage for a Trip Interruption as a result of a carrier delay or cancellation As such, we were unable to consider the [redacted] request for reimbursement under this plan Please allow me to advise further that, even if the [redacted] had interrupted their travel plans for one of the specified reasons contained in the plan, the losses for which they were seeking reimbursement, namely their original, partially used airline tickets, would not be eligible for refund as there is no coverage for original airfare under the Trip Interruption benefit but rather for any new airfare expenses incurred to return home While we understand the [redacted] disappointment with the interruption of their travel plans, and the outcome of the claim for their airfare, we are pleased we were able to reimburse them for their missed tour We trust this has provided clarification of the claims handling as well as an understanding that we must review each request in accordance with the terms and conditions of the specific plan purchased 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] 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 As such, [redacted] was not eligible for reimbursement 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, an additional copy of the plan was provided with her booking confirmation As such, [redacted] had ample opportunity to review these plan requirements We trust this has responded to the concerns raised in [redacted] complaint Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] complaint and the email correspondence received directly from him, and we are responding accordingly In his complaint, [redacted] advised that he was unable to travel due to work obligations Unfortunately, this is not one of the covered reasons for cancellation under the plan Rather, the plan specifically excludes coverage for a cancellation due to a business obligation As such, we are unable to consider [redacted] request for reimbursement While we certainly appreciate the disappointment [redacted] demonstrates in his correspondence, regarding the outcome of his 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 his 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] cancelled her scheduled trip due to her own medical reason In order to determine that the reason for the cancelation meets the plan requirements, sufficient medical documentation is needed However, the original submission from [redacted] did not contain such medical documentation and we had to request she submit such additional informationI am pleased to advise that we have now completed our final review of all pertinent information submitted and are now able to make payment on the claim Accordingly, payment in the amount of $will shortly be sent to [redacted] directly 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 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 to days’ time, thus delaying his needed evacuation Contrary to that, the hospital in FtLauderdale 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 FtLauderdale With regard to the comment of hotel availability for [redacted] in FtLauderdale, please understand we are unable to comment on such availability throughout the city of FtLauderdale 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 complaint and are responding accordingly We are certainly sorry to hear that [redacted] was not satisfied with her experience with our office However, the information provided to her was correct From the particulars received, [redacted] and her husband cancelled their scheduled flight due to [redacted] s job loss As explained to [redacted] , in order for our office to review the claim, we must receive sufficient documentation confirming that the reason for cancellation meets the plan’s terms and requirements, in particular that the employment from which [redacted] was released was one that he had had for at least one continuous year prior to his termination Please note that subsequent to receipt of this complaint, we did reach out to [redacted] to discuss further the documentation needed [redacted] did then submit additional documentation to us and we have reviewed same As advised to [redacted] directly in correspondence sent on May **, 2017, the documentation submitted indicates that the employment from which [redacted] was released was only for a term of seven months prior to his termination As such, based on this documentation, the reason for cancellation does not meet the terms and requirements of the plan Accordingly, we are unable to provide the [redacted] with the requested reimbursement at this time As also indicated in our correspondence, should the [redacted] have any additional information or documentation from [redacted] s former employer which they feel may have a bearing on their claim, they should feel free to submit same and we would be more than happy to review We trust that we have responded to the issues raised in [redacted] s complaint Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] complaint and we are responding accordingly In her complaint, [redacted] explains that 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
We have reviewed [redacted] ’s complaint and we are responding accordingly In his complaint, [redacted] advised that he cancelled his travel plans because the surgical procedure for which he had booked this trip was cancelled due to a scheduling conflict of the surgeon As such, he no longer needed to travel at that time and submitted his claim seeking reimbursement of his and his wife’s trip costUnfortunately, we are unable to consider [redacted] ’s request on several basis The Plan [redacted] purchased will provide a reimbursement for a cancellation of a Covered Trip due to a number of both medical and non-medical reasons, as specified in the plan However, based on the information received, namely that [redacted] had booked this trip for the purpose of obtaining medical treatment, such travel plans do not qualify under the definition of a Covered Trip and we are unable to consider his request for reimbursement on such basis Further, even if [redacted] ’s travel plans had met the definition of a Covered Trip under the Plan, the reason for the [redacted] ’s cancellation, namely the scheduling conflict of his surgeon, is not among the specified reasons for coverage under the Plan and we would have been unable to consider the request for reimbursement on such basis Finally, a cancellation due to a sickness or injury are among the specified reasons for eligibility of coverage, however, the medical condition must meet the plan’s definitions for such Sickness or Injury, more particularly in this instance, that said condition first occurs or commences while the plan is in effect As [redacted] booked said travel plans on September *, for the sole purpose of undergoing said surgical procedure, the condition in question was not one which had first occurred or commenced after his purchase of the plan Based on all of the above, we are unable to consider [redacted] ’s request for reimbursement of his and his wife’s travel expenses Please note that, prior to purchase, the plan in its entirety, including the complete listing of the specified reasons for eligibility for coverage, as well as the plan’s definitions, is provided to each prospective insured As such, [redacted] was advised of the full terms and conditions of the plan prior to his purchaseWhile we understand [redacted] ’s disappointment at the outcome of his 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 Please note that at the time of receipt of this complaint, we had not yet received [redacted] ’s completed claim form Please be advised that such claim form was received on September **, and we advised [redacted] of the determination made on his claim by letter of that same date
We have reviewed [redacted] additional comments regarding the premium refund she had requestedAs previously advised a premium refund in the amount of $was agreed to and was being provided by the tour operator directlyIn [redacted] communication of January **, 2016, she advised she received confirmation of only a portion of such refund, in the amount of $440.00, having been provided Please be advised that we did reach out to the tour operator to confirm the refund providedWe have been advised that two separate refunds were processed for [redacted] on January *, 2016, both back to their original forms of paymentMore particularly, one refund in the amount of $440.00, was provided to [redacted] to her credit card ending in 0020, and a second refund, in the amount of $199.00, was provided to [redacted] to her credit card ending in *** As these two refunds equal the agreed upon refund of $we trust this matter is now concludedShould you have any further questions, please feel free to contact our office
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 ***, 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 have determined that my complaint has NOT been resolved because: As the Respondent demonstrates, they company offering so called "insurance" is a scamAll potential victims should be advised by making this communication public for the protection of the consumer populationThank 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 additional comments and are responding accordingly [redacted] is arguing that his temporary inability to attend his place of employment constitutes a layoff However, there is no evidence that at the time in question [redacted] was contacted by his employer and advised that his employment was no longer needed and he was being terminated or laid off Rather, from the letter which [redacted] submitted with his claim form, dated October ***, from the South Carolina Department of Health and Environmental Control, at which he works, it was advised that the office was temporarily closed Octobe [redacted] * [redacted] due to extensive flooding in the area It goes on to say that all compensation and leave time has not been approved and advises that any prior time off requests must be used to cover the days during which the office was closed Further, from [redacted] ’s own explanation provided with his claim form, as a result of the time away from work due to this temporary office closure, the time off that he had requested for this trip now must be used to cover the days of the office closure He concludes by saying that because of this, as well as no longer being financially able to afford this trip, he regretfully requests cancellation Accordingly, the denial of [redacted] ’s claim was appropriate as his reasons for cancellation, the loss of his time off requested and any subsequent financial constraints, do not qualify him for coverage under the plan Finally, as evidenced by the letter from [redacted] ’s employer, he was neither terminated nor laid off from his employment and as such, we are unable to consider his request on such basisWith regard to [redacted] ’s mention of the definition of Natural Disaster, please note that as there was no shutdown of all local airports for a period greater than hours at the time of his scheduled flight, nor was [redacted] ’s own home made uninhabitable at that time, we are unable to consider his request on this basisWhile we certainly understand [redacted] ’s disappointment with the outcome of his request for reimbursement, we must review each claim in accordance with the terms and conditions of the plan We trust that we have provided the requested additional clarification of the handling of this claim and this matter is now closed Should you have any additional questions, please feel free to contact our office
We have reviewed [redacted] complaint and we are responding accordingly Please note that we have been unable to locate a claim for [redacted] **, nor have we been able to locate any calls from him from the telephone numbers indicated on this complaint In order to allow us to research this matter further, we kindly request that [redacted] provide the reference number under which he indicates his claim was denied In addition we would ask that [redacted] provide both the telephone number from which he contacted our office as well as the telephone number he called to discuss the matter with our office Once we receive this information, we will be happy to further review this matter With regard to [redacted] contention that the plan provides reimbursement for trip interruption for any reason, please allow me to confirm that the plan in fact contains a listing of specified reasons for an interruption which would make one eligible for coveragePlease note that a complete copy of the plan is provided to all prospective insureds prior to and concurrent with their purchase In order to be eligible for coverage, the reason for the interruption would have to be due to one such specified reason and not fall under any of the plan exclusions contained therein In order to make a determination on a claim we would need to receive the supporting documentation regarding the basis of the interruption As we have no record of such information from [redacted] **, we are unable to make such a determination However, we have taken the liberty to initiate a claim on [redacted] behalf and have sent him a claim form via email for his completion [redacted] can follow the instructions on this claim form and submit the supporting documentation he has regarding his trip interruption if he has not already done so and we would be happy to review same However, please allow me to advise that, based on the information contained in [redacted] complaint, an interruption due to an airline’s refusal to allow a passenger to board a flight would not be among the specified reasons for interruption contained in the plan Should [redacted] like us to review this matter further, we ask that he provide the above-requested information regarding his reference number and the telephone numbers used for his discussions with our office We trust that we have responded to the issues raised in [redacted] complaint We look forward to providing a more substantive response once [redacted] provides the needed information to locate his communication with our office 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 After issues with my address, the check arrived by [redacted] this morning (0416) 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 complaint and we are responding accordingly In her complaint, [redacted] advised that she cancelled her scheduled trip due to her temporary job relocation Unfortunately, [redacted] ’s reason for cancellation is not one covered under the plan Please understand that the plan purchased provides reimbursement in the event of a cancellation due to a number of both medical and non-medical reasons as specified in the plan However, a job relocation is not a specified reason in the plan As such, we are unable to consider [redacted] ’s request for reimbursement.Please note that the plan in its entirety, including the full listing of all specified reasons making one eligible for reimbursement is provided to the traveler prior to and concurrent with the purchase While we understand [redacted] ’s disappointment in the outcome of her request for reimbursement We hope this has provided further clarification of the claim determination and understanding that we must review each request in accordance with the terms and conditions of the plan purchased
Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] I emailed the company to let them know that during my stay in Indiana I was with my cousin who is a physician as well as my mother who is an RN If the company needs documentation from a physician, I can certainly provide a letter from my cousin the PA 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 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 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 *, 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 *** 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