Nationwide

[redacted] 
[redacted]
[redacted]
[redacted] 
Thank you so much dear Ms.[redacted]  for your time and concern regarding my complain against Nationwide car damage settlement decision. 
Actually after all what I explained and all the documents I submitted in my previous responses, I have no any word to say! this is just a repeat of the same discussions and arguments that took place between me and Nationwide over the 2 weeks after the accident day on Feb. 20th 2014.
As you can conclude from Nationwide response that their price estimation for my wrecked car is OBLIGATORY OFFER! and I must accept what they offer me without argument??? this is what actually happened from Nationwide! my concern is that I have no objection on whatever their estimated price or market value for my wrecked car I AM ONLY CONCERNED ABOUT GETTING A SIMILAR CAR FOR THE SAME PRICE THEY OFFERED ME AND THAT IS IT! I repeatedly told them many and many times that there is not used car similar to mine regarding year, make and millage for the same price? and I contacted the dealers that they sent me in their price quote and the cars shown in that file WERE NOT EXISTED!! I wished to get any of these cars for the same price that they offered to me as a compensation even if they offered me 1 Cent value!! But what practically happened is that I Paid about $5,000 above the price that they offered to me to hardly get another old used SUV with almost same year and millage like my wrecked car. 
At the end, I do not accept or agree that they offered me a fair value for my wrecked car and they caused my a financial damage due to the car accident caused by their insured person at his fault and I consider their deal with my case as some kind of obligatory offer that does not accept any argument and this is totally unfair!. They had neither helped me to get another similar as all the cars shown in their price quote were not originally existed, nor offered me a fair value to buy a similar car.
Thanks again Ms. [redacted] for your patience and time with my complain.

Please accept this letter in response to Mr. [redacted]’s concerns submittedto the Revdex.com regarding the processing time of the fullwithdrawal on his contract. I hope you’ll find this information helpful inaddressing his concerns.
Policy detailsComplainant: [redacted]...

[redacted]Owner: [redacted]Policy number: [redacted]NAIC code: 66869Complaint Number: [redacted]What we found
I have enclosed the withdrawal form submitted by [redacted] onJuly 27, 2105 at 2:24 p.m. We processed this on the same day of July27, 2015 in the gross amount of $44,667.70.
Mr. [redacted] incurred a Contingent Deferred Sales Charge (CDSC) in theamount of $1500., therefore the net amount equaled $43,167.70. He didacknowledge the CDSC on page three of the withdrawal form before itwas processed.
We did listen to the calls referenced in the complaint on July 27, 2015 at9:49 a.m. and 1:49 p.m.. On the 9:49 a.m. call, we stated Mr. [redacted]would get the market value as of close that day if we receive thewithdrawal form by 4:00 pm Eastern. On the call at 1:49 p.m., Mr.[redacted] did state he would get $45,000. minus $1500. in CDSC,however our representative informed him the withdrawal would be basedon the contract value as of the market close that day as opposed to theprevious day’s close.
Unfortunately we can’t honor Mr. [redacted]’s request to compensate himfor the market value difference between July 26, 2015 and July 27, 2015in the amount of $845. since we processed this transaction correctly.If you have any further questions or concerns, please feel free to contact ErinM[redacted] via telephone at ###-###-####, option *, extension [redacted] or viaemail at [redacted]
Sincerely,Robert W[redacted]

This letter is in response to the concerns filed by Mr. [redacted] regarding the reinstatement of Autopolicy [redacted] without a lapse. Mr. [redacted] contacted Nationwide regarding the CompanyCancellation for his Auto policy. Upon review at that time, approval to reverse the policy with...

no lapsein coverage was given. On September 21, 2016 effective for September 16, 2106 the policy wasmade active with no lapse in coverage.If you require further assistance, please contact our Customer Advocacy Coordinator, Cathy D[redacted],at ###-###-#### or by email at [redacted]
Sincerely,Meg M[redacted]

Thank you for your recent inquiry regarding a complaint you received from [redacted].  As Sr. Analyst, CSSS Customer Resolution & Response, I have reviewed this policy file and would like to address Mr. [redacted]...

[redacted]’s concerns. If I do not provide the information you need for this matter, please do not hesitate to let me know.
 
Our insured, Mr. [redacted], has had two motorcycle policies with us. The first, MSPC [redacted]9, was in effect from March 14, 2011 through November 7, 2011. The second, [redacted] is still in effect, and has been since November 9, 2011. The prior policy, MSPC [redacted], was on a monthly EFT (automatic withdrawal) billing plan. A deduction notice was prepared on September 23, 2011, indicating that the standard $83.64 amount would be deducted on or after October 17, 2011. This payment was deducted on the due date of October 17, 2011, but unfortunately was returned due to insufficient funds. On October 26, 2011, notice was sent to the insured indicating that this payment was returned. The notice advised that $113.64 (the payment plus a $30 NSF fee) was due by November 6, 2011 in order to prevent cancellation. Unfortunately, no payment was received and the policy cancelled effective November 7, 2011.
 
On November 9, 2011, a call was received by the [redacted] Service Center (SPSC) from the insured, asking if the policy could be reissued (reinstated with a lapse in coverage). According to the notes, the representative reviewed the policy's brief history and noticed that the policy had other payments from that term returned due to insufficient funds. As such, the representative advised that the policy could not be reissued, but could possibly be rewritten by the insured's local agent. The agency phone number was provided and the insured indicated that they would call the agent.
 
The insured appears to have made contact with their agent that very day, as a new policy, MSPC [redacted], was written effective, November 9, 2011. The insured contends that they reinstated their policy and gave their agent a reinstatement payment. In truth, their policy was completely rewritten, and their agent had collected a down payment for the new policy. This down payment bound the new policy, but did not satisfy the prior policy's balance after cancellation.
 
 
On November 15, 2011, a notice was sent to the insured advising that the previous policy had a balance of $97.21 after its November 7, 2011 cancellation date and that payment was needed by December 4, 2011 in order to prevent the account from being referred to a collection agency. Payment was unfortunately not received. When payment was not received, the account was prepared for referral to our collections partner, [redacted] received the file on January 4, 2012, where it remains open. The $97.21 collection balance is therefore valid and represents premium owed for coverage provided on the prior motorcycle policy.
 
I have included copies of the deduction notice, notice of cancellation, and notice of collection balance after cancellation.
 
Based on my review, this policy was properly handled. If you have any further questions, please contact our Customer Relations Coordinator at ###-###-####.

Please find attached 2 documents.  One is the official cancellation form that
was sent to me and signed via DocuSign directly from Amy Porton at
Nationwide.  Not only will you see her name and the date (mine as well), but also the IP address. 
As you can see, I requested and had cancelled my policy before the new
billing cycle and payment due took effect which was to start July 6th,
2015 if I hadn’t cancelled.  The second
document is my new auto policy declarations page via State Farm Insurance.  As you can see, this policy started on July 6th
2015.  It's difficult to understand why
Nationwide wants to see the declarations page from my new insurer, as the
Nationwide policy was cancelled before any balance was owed and had I chose to
drive uninsured, it becomes a legal issue with the PA DMV and the police – not with
a business, insurance or otherwise.  The only reason I can think
of, is Nationwide wants to see if I had insurance and not utilizing theirs (although the fault is with them for not processing the information). 
However, if you refer to the cancellation form, you’d see that utilizing the policy beyond July 6th was
impossible from the start.  Nevertheless,
both pages are attached and serve as concrete proof that I not only cancelled
the insurance before / by the time any new amounts were due, but that I had
also opened a new policy with another company, as mentioned.  As a result, I wish for Nationwide to update
their records accordingly, cease any debt collection efforts, and remove
negative entries from my credit report.
Regards,[redacted]

I switched to insurance from this company early in 2016. I signed up to pay my premiums twice annually. When my second premium of the year came due, Nationwide switched me to monthly payments without notification. The only notification came when I received a bill for one month's worth of the premium. Instead of honoring my wishes, I had to take time out of my extremely busy life to contact them and direct them to switch me back to twice annual billing. Of course, if I hadn't noticed and had begun paying their monthly premiums they would have taken a $5/month "service fee" from me. Very tricky.
I don't deal with scams, so I shopped around for new insurance. My new insurance agent gave me a form letter to send to Nationwide. They responded pretty quickly, but said that I needed to sign a legal document via Docusign to verify that I wanted to cancel my policy. The instructions they sent me for the docusign (enter a certain identifying number) didn't work. So now they're basically trying to make it impossible for me to cancel my policy. I don't if they're technically incompetent or just scammers, but I will never work with this company again and I'll advise all my friends, family, employees and customers to avoid them as well. What a horrible experience.

[redacted]
 
 
[redacted]
 
 
[redacted]      [redacted]      ...

[redacted]
            [redacted]               [redacted]
            [redacted]    [redacted]  
To Whom it may concern: 
This letter is in response to the complaint filed with your agency by [redacted] regarding her Automobile policy.  Our records indicate the automobile policy renewed effective October 29, 2013, with a semi-annual premium of $860.80.  Nationwide received the attached cancellation request for an effective date of March 10, 2014.  The policy was cancelled as requested and a refund of $78.24 issued to [redacted].  Our records indicate the refund check has yet to be cashed.  If the policyholder desires, we can stop pay the outstanding check and reissue to the address listed in the complaint case.
If you require further assistance, please contact our Customer Relations Coordinator, [redacted], at ###-###-#### or by email at [redacted].
Sincerely,
[redacted]
Nationwide Insurance Companies
###-###-####, EXT #####

This letter is in response to your August 26, 2015 inquiry regarding the above-referenced claim. This claim resulted from an auto accident that occurred on July 31, 2015 in [redacted]
The claim was reported to us on August 4, 2015. We promptly initiated our investigation into this...

accident on the same day and were able to speak to both our insured and the complainant. The loss involves a 2011 International Pro Star tractor, VIN [redacted], owned by our insured which was being operated by [redacted] Mr. [redacted] changed lanes and collided with the complainant’s vehicle. Liability for the accident is not contested; however, coverage for the accident was pending as the 2011 International Pro Star tractor was not listed on the policy at the time of the accident.Scottsdale Insurance Company provides [redacted]. with coverage under Policy No. [redacted], effective August 7, 2014 through August 7, 2015. Among other coverages, the policy provides liability coverage for specifically described autos as well as newly-acquired and temporary substitute vehicles.
Complainant: [redacted]
Both our insured and the complainant were advised that coverage was pending for this loss. We have also been in contact with, and provided the status of our coverage investigation to, the complainant’s insurance agent, [redacted] with Tompkins Insurance Agencies, Inc., on August 13th and August 27th as well as the complainant’s son, [redacted], on August 25th. It is our objective to return all calls within one business day.
Today, August 31st, we have been able to confirm the 2011 International Pro Star tractor involved in this accident will be added to the policy as a scheduled auto prior to this accident. As coverage has now been confirmed, we have issued payment to the complainant for their estimated damages and also advised them today that payment is forthcoming.
Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]
Sincerely,Norm S[redacted]###-###-#### ###-###-####

[redacted]
 
[redacted]
[redacted]
[redacted]
[redacted]
[redacted]
 
[redacted]
[redacted]
[redacted]...

[redacted] 
Thank you for the opportunity to respond to the Revdex.com regarding policy
number ##### for [redacted] and to address his concerns about the policy.
On 03/06/2012, [redacted] purchased a twelve month insurance policy from Agent’s
Choice Inc. with a bill plan of 8.37% down and 11 installments with an electronic funds
transfer (EFT). [redacted]’s policy last renewed into the term beginning 03/06/2014
when the renewal offer was accepted with the renewal down payment in the amount of
$227.88 on 03/07/2014.
On 03/09/2014 a risk alert was received indicating [redacted] was living in the
household. On 04/09/2014 the risk alert was processed and an underwriting letter was
mailed stating [redacted] would need to be rated or excluded on the policy. On
05/13/2014 no exclusion was received, [redacted] was added to policy effective
03/09/2014 causing a premium increase of $1136.00, an underwriting letter was issued
advising why [redacted] was added and a revised EFT payment schedule and policy
declarations were mailed.
On 10/01/2014 [redacted] called the service center to question why the monthly
payments had increased and was advised [redacted] was added to the policy per the notices that were mailed. The service center representative emailed an exclusion form to [redacted] to sign electronically. On 10/08/2014 the signed exclusion form was processed and [redacted] was excluded from the policy effective the 10/01/2014 date stated on the document.
If [redacted] wishes to receive a full refund of premium a signed exclusion form with an
effective date of 03/09/2014 is required. I have attached a blank exclusion form to this
document for [redacted]’s convenience. If the exclusion form is returned with the
effective date of 03/09/2014 [redacted] will receive a policy credit of $1136.00 and his
remaining installments would be adjusted to reflect the change.
I trust that I have addressed the issues within [redacted]’s complaint. If I can be of
further assistance, please contact me at ###-###-####.
Sincerely,
[redacted]
[redacted]

Thank you for the opportunity to respond to the complaint filed by Mr. [redacted] regarding his concerns with the above referenced policy with Nationwide Mutual Fire Insurance Company ([redacted]). We have reviewed...

the concerns expressed by Mr. [redacted] and will attempt to address them in this letter.
Homeowner Policy ########
 On August 13, 2010 notification of non-renewal was mailed to Mr. [redacted] advising that his homeowner policy would be non-renewed effective September 30, 2010 as a result of him no longer meeting our eligibility requirements for our homeowner program. Mr. [redacted] had more than one weather related and one non-weather related loss within the past three years. There was no remaining balance due on the homeowner policy. 
Dwelling Fire Policy######## 
On September 7, 2011 a billing statement was mailed to Mr. [redacted] to the last known address on file, requesting payment of $85.89.  Payment needed to be received by our Company by October 1, 2011 in order to prevent cancellation of the dwelling fire policy. Payment was not received by the requested due date. 
On October 7, 2011 Notice of Cancellation was mailed to Mr. [redacted] to the last known address on file, informing Mr. [redacted]hat payment of $85.89 be received by October 18, 2011. Payment was not received and as a result his dwelling fire policy cancelled effective October 19, 2011. A copy of the notification of cancellation is attached for your reference. 
Coverage was provided under policy 6341T471701 for Mr. [redacted] from December 30, 2010 until it cancelled effective October 19, 2011. Unfortunately, the premiums paid did not completely cover the entire time coverage was provided, resulting in an outstanding balance of $99.67.  
On October 25, 2011 a billing statement was mailed to Mr. [redacted] requesting payment of $99.67 by November 13, 2011 for the remaining outstanding balance. A copy of the billing statement is attached for your reference. Payment was not received by the requested due date and sent to collections on December 13, 2011.  
We appreciate the opportunity to review Mr. [redacted]’s business, and hope that this information will help to address his concerns. If you require further assistance, please contact our [redacted], Jose L[redacted], at ###-###-#### or by email at [redacted]
Sincerely, 
Jennifer F[redacted]

It did not address my specific request regarding the offer extended by Director of Claims. I have obtained an attorney to resolve through litigation. 
Regards,
[redacted]

[redacted]
 
[redacted]
[redacted]                                                                 We have reviewed the follow up inquiry from [redacted] concerning her auto policy regarding the Good Student Discount and the money that was in collections for coverage that was provided by AMCO Insurance Company. 
[redacted] advised that she supplied her independent insurance agent the supporting documents for the Good Student Discount (GSD) on her first auto policy:  ########.  As a good faith gesture, our company has added that discount onto the auto policy effective June 28, 2013.  By adding this discount, a prorated credit of $16.15 is being returned to [redacted].  The auto policy ######### effective September 28, 2013 was issued with that discount on the policy and it was not removed since our Company previously received the grades. 
Our Company did provide auto insurance coverage for [redacted] from September 28, 2013 to November 5, 2013. As such, an earned premium amount of $107.04 was due to our company based upon the filed and approved rating plan, which [redacted] paid the collection agency.  If [redacted] can provide documentation that, she had auto insurance with another insurance carrier from September 28, 2013 to November 5, 2013, we would be happy to backdate her policy with us, therefore eliminating the earned premium for coverage provided that is compliant with our filed rating plan.
Thank you for allowing us the opportunity to address [redacted]’s questions regarding her auto policy.    If you need additional information or have additional questions regarding this inquiry, please feel free to contact me.  
Thank you,
 
[redacted]
[redacted]
Allied Insurance, a member of Nationwide Insurance###-###-####[redacted]

[redacted]
[redacted]                        
 
 
 
[redacted]
[redacted]
[redacted]
[redacted] 
 
[redacted]   ...

[redacted]
[redacted]        This letter is in response to your inquiry dated July 30, 2014 regarding the cancellation of [redacted]’s auto policy. 
On July 28, 2014 the policy was rejected for insufficient proof of prior insurance for the dates of December 12, 2013 to May 02, 2014.  
Review of our records shows [redacted] contacted our Service Department on multiple occasions and was advised to provide proof of prior insurance from November 2, 2013 to May 2, 2014; to prevent her policy from being company cancelled effective July 28, 2014.   
[redacted] provided documentation which was forwarded to our Underwriting Department for review to determine if it was sufficient to retain her policy.  However,  on July 30, 2014, the policy was company cancelled effective July 28, 2014 due to [redacted] not providing proof of continuous coverage from November 2, 2013 to May 2, 2014. 
The Service Department was not advised whether or not the documentation received was sufficient to retain the policy, prior to the policy being cancelled.  
I apologize for the poor time service and for any inconvenience or frustration it may have caused [redacted]. 
She may contact agent [redacted] at ###-###-#### to discuss her coverage options.
 Sincerely, 
[redacted]###-###-#### [redacted]

Dear Mr. [redacted]
 
This is the second response to your inquiry sent via the Revdex.com.  Our decision has not changed. 
 
Your son, [redacted], holds a Class C drivers license.  This license allows him to drive any noncommercial single vehicle with a GVWR of less than 26, 001 pounds.  Since he is a resident of your household and has access to your owned vehicles, he will be added to your policy as an occasional operator.
 
Unless proof of insurance elsewhere can be provided, he will remain a listed driver on this policy.
 
Sincerely,

Ms. [redacted] has called Nationwide Bank regarding this issue multiple times. On October 23, 2015, she didspeak with a supervisor in the Nationwide Bank Customer Care Center, who researched the transactions andadvised that Nationwide Bank had not been at fault regarding the holds placed on...

her checking account by themerchant.On the same date, a courtesy refund was posted to the complainant's account in the amount of $25, which is inalignment with her notation of Desired Settlement.
Sincerely,
Anne C[redacted]Nationwide Bank

We acknowledge receipt of your follow up inquiry dated September 14, 2015. We are responding to a response from Mrs. [redacted] where she provided a copy of an email suggesting amounts that were not covered by the other carrier.
As outlined in our previous communications with Mrs. [redacted], the email provided is insufficient to support her claim. She will need to provide copies of the actual invoice for emergency mitigation and either the invoice with a complete breakdown of the repairs completed or a contractor’s estimate on the company document with a complete breakdown of anticipated repairs. Mrs. [redacted] advised she would forward a copy of the emergency mitigation receipt as well as the contractors estimate for us to review for a supplemental payment.
On September 16, 2015 an email was sent directly to Mrs. [redacted]’s contractor in order to obtain a copy of his repair estimate. The email was returned as undeliverable. A copy of the delivery failure was emailed to Mrs. [redacted] today and with the request that she provide a copy of the estimate to our office. As of this writing, we have not received the requested documentation.
The above referenced file remains open pending further documentation to support a supplemental claim. If you have any additional questions regarding the claim please feel free to contact the undersigned at ###-###-####.
Should you require any further assistance in this matter, please contact our Customer Relations Coordinator, Patty Gedd, at ###-###-#### or via email at [redacted]@nationwide.com.

Ref Your letter from May 5, 20151st paragraph:Why did I received a premium increase at the renewal time without reasonable advancenotice and reason for the increase? I have enclosed a copy of all my incoming callsincluding the callers telephone numbers. No call was recorded from [redacted]Agency, phone ####-###-#### for the entire month of March, let alone on March 3rd,2015 as they stated. Please do not provide this list to Nationwide as it is readily availableto them upon their request. This document is proof that they did not make a call to me norleave a message that my premium had changed.2nd paragraph:On March 25,2015 I called [redacted] to advise that I wanted to cancel my insurancepolicy with them because I never received a response from her since I had questioned thepremium increase, and that I found an insurance company with better coverage and lowerrates.
[redacted] stated that I needed to go the insurance agency in person to sign a notice ofcancellation. I have record of this telephone call made from my home as shown on the listof outgoing calls on March 25,2015. When I arrived [redacted] was outside of heroffice at the front desk covering the switchboard. It was at this time that [redacted]stated my premium should be lowered by $9 per month, not prior to this. She never saidwhy my premium had increased in the first place, or why she decided to decrease it. Sheasked to see my new policy and made a copy of it. When I told her that she never calledme back, she commented that she probably forgot to call me.
As for being professional, please see the letter from [redacted] dated April 21,2015.Letter herewith.
Also, [redacted] failed to mention that on March 4,2015 Nationwide/[redacted]Agency withdrew the payment of $134.40 from my checking account, which is veryunprofessional. This amount was not reduced by the $9 as [redacted] stated. I shouldhave been covered until April 4th, 2015.
Sincerely,
[redacted]

[redacted]
 
[redacted]
 
[redacted]
 
 
[redacted]
I am responding back to [redacted]’s responses to my complaint. In my previous response to [redacted] she did not acknowledge that her agent did not handle my claim in a professional manner that was point out through documentation that I submitted that showed that they used [redacted] to make this estimate. 
After I wrote up my concerns and disputed the information [redacted] now states that they nationwide will allow me to submit estimates for the outer building. However and estimate was submitted for my dining room claim which was rejected by [redacted] made by the contractor listed with the Revdex.com.
As for my first claim [redacted] omitted the contractors estimate and wanted to write a check for $200.00 dollars for all the damages not to limit: a support structure beam, wiring needed to be re-ran, for the doorbell from the south front side of the house passed the garage to the electrical box the rest on the north side of the house, re-support one of the main structure beams and re- brace a ceiling fan with another bracket after removing and replacing my dining room ceiling, which included taking down air vents, trimming and installation. My home is 1300 square feet from front to back. The contractors estimate was omitted after [redacted]r submitted it with his paper work.     
For the outer building claim [redacted] denied me from submitting a claim. Since I have filed this claim someone from Nationwide backdoor an email to me concerning [redacted]. I have requested to deal with another adjuster due to all of the games he’s been playing concerning my claim. [redacted] never wanted to pay out for neither claim for me to have my home and outer building replaced or repaired. Even when a contractor advised him what it was going to take to fix the problem. Plaster is different than sheetrock.  
So, my questions at this point will nationwide honor the estimate since none have been honored at this point.
Both claims have been going back and forth since January 2014 and know repairs have been made contractors want to be paid one they finished the work so that they can pay their people.
Is this another delay tack tick [redacted]?
Please give the instruction on whom to send my estimates to. As I stated before I want to deal with another adjuster. [redacted] is and untruthful man and they was he play’s games with the customer’s is beyond what a customer should have to go through who pay their premiums every year on time and keeps up their property.  
Ms. [redacted] you have an estimate already for the dining room from a contractor with the Revdex.com.
I will submit the others once they are completed. As you know I was in the hospital and now home.
[redacted]

We are in receipt of your request for information regarding the above referenced file. In her complaint, Ms. [redacted] is disputing the processing of the above referenced claims and is requesting additional benefits be applied.Ms. [redacted] has the Medical Plan with a $100.00 annual...

deductible for her dog Murphy. On September 15, 2016 we received all of the above referenced claims with the following diagnosis on the claim forms:? Claim [redacted] – Laryngeal Paralysis (service date July 30, 2016).? Claim [redacted] – Pneumonia (service date August 1, 2016).? Claim [redacted] – Not eating or taking medications (service date August 5, 2016).? Claim [redacted] – Pneumonia recheck (service date August 12, 2016).No medical records were received with the claims and they were processed based on the information provided on the claim forms. Below is a summary of how the claims were processed and how much was reimbursed (listed in the order which they were processed):? Claim [redacted] – Processed as primary Laryngeal Paralysis (code 1409) and secondary Pneumonia (code 1447). Reimbursement amount: $68.00.? Claim [redacted] – Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $58.65.? Claim [redacted] – Processed as Laryngeal Paralysis. Reimbursement amount: $236.20.? Claim [redacted] Processed as primary Laryngeal Paralysis and secondary Pneumonia. Reimbursement amount: $37.15.Please note that the Medical Plan works exclusively with a benefits schedule. Each eligible condition has a reimbursement limit per policy term. As outlined in the Medical Plan, Section 4, Benefit Provisions:A. We will pay covered veterinary expenses that you incur during the policy term for the diagnosis or treatment of your pet’s condition, up to the limits of this policy. To be eligible for payment, your pet’s condition or procedure to treat this condition must be listed in the VPI Medical Plan Benefit Schedule.B. We will apply your deductible to covered veterinary expenses that you incur during the policy term. We will pay covered veterinary services expenses that exceed your deductible, up to the limit of one Column A Primary Diagnosis Allowance and any Column B Secondary Diagnosis Allowance that applies to your pet’s condition. These Diagnosis Allowances are the most that we will pay during the policy term for any condition covered by this policy, regardless of the number of incidents or treatments during the policy term.C. Covered veterinary expenses from each incident are eligible for payment under only one Column A Primary Diagnosis Allowance and any applicable Column B Secondary Diagnosis Allowance. In each incident, we will apply the Column A Primary Diagnosis Allowance of the predominant condition for which your pet received veterinary services. We will not pay both a Column A Primary Diagnosis Allowance and a Column B Secondary Diagnosis Allowance under any Diagnosis Code that applies to the same condition.The processing of the claims was correct under the terms of the policy. As a courtesy, we have requested medical records on Ms. [redacted]’s behalf from Chase Farm Veterinary Hospital. We will review the above referenced claims for additional benefits and advise Ms. [redacted] of the outcome under a separate cover.Our members may request a review of any claim by contacting our office directly and providing supporting medical records. As outlined in the Medical Plan, Section 12, Review:You may request a review:A. If we deny your claim in whole or in part; orB. To ask that we remove an Additional Excluded Condition listed on the Declarations Page or Renewal Certificate of your policy.You must submit your review request in writing indicating the reason for the review. You must provide us with all medical and surgical records from your veterinarian relating to any condition that is the basis of your request. If your request for review involves an Additional Excluded Condition, you must provide us with medical and surgical records or other documentation from your veterinarian demonstrating that the condition was cured at least six months before the date of your request. Chronic conditions are not eligible for removal. All review decisions are final.
Please note that Ms. [redacted] called our customer care department on September 27, 2016 regarding the processing of claim [redacted]. She was advised by our representative to submit records for a dispute review. We did not receive records so a review was never initiated.Should you require any further assistance in this matter, please contact our [redacted], Patty G[redacted], at ###-###-#### or via email at [redacted]Sincerely,Vincent G[redacted]

MY HOUSE AT [redacted] WAS HIT BY A STORM IN JUNE 2013. HAD ROOF, GUTTERS, SIDING, AND AWNING DAMAGED. MY CAR A 2000 BUICK WAS HIT BY A GANGE INS. CUSTOMER ABOUT $1500.00 IN DAMAGE.THE SAME CAR WAS STOLEN IN AUG. 2013 ABOUT $1400.00 IN DAMAGE AND STOLEN CONTENTS. NATIONWIDE INS. CANCELLED MY INSURANCE WITH THEM BECAUSE I HAD TWO CLAIMS WITH IN ONE YEAR. NONE OF THESE CLAIMS HAVE BEEN SETTLED, AS OF AUGUST 8, 2014. [redacted]