Seven Corners, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]The response is the same reason they churned out to us for rejection before. They have even stated in their response that the claim was rejected on the basis that the iPads supposedly fell into the category of PCs and Computer Hardware and Software. This is completely false as pointed out in our original complaint. A tablet is not a PC (A Desktop or Laptop PC) and is not considered Computer Hardware (A printer, scanner, mouse, keyboard etc) or Software (It's not a CD/DVD containing a program to install). In order for the policy to avoid reimbursing for a media tablet such as an iPad they would have to define it in the policy. They can not make up their own definitions to meet their own financial gains. It is like them having an exception for specifically a motorcar and then saying they will not cover a bicycle. Their reasoning is preposterous and insulting, much like their communication or lack there of.
Revdex.com Please see the attached evidence previously issued to the company for your examination as part of this rebuttal.
Regards,
[redacted]

June 3, 2016 Revdex.com 151 N. Delaware Street #2020 Indianapolis, IN 46204-2599 RE: Complaint ID – [redacted] Seven Corners, Inc. is in receipt of Revdex.com Complaint ID Number: [redacted] from [redacted]. We have reviewed the complaint and appreciate the opportunity to address your...

concerns. Seven Corners evaluated the documentation submitted by [redacted] regarding an emergency accident/sickness medical expense claim. Our records show that Mr. [redacted] sustained injury to his ankle on July 11, 2015 and sought out medical care at [redacted] (located in [redacted], Costa Rica) on July 12, 2015. Due to injuries sustained by Mr. [redacted], Seven Corners arranged to have the insured party medically evacuated home to the United States, so he could be cared for by his family. This office has received claim documentation from the treating medical facility, as well as from [redacted] for out of pocket costs he has incurred due to his injury. Seven Corners has issued payment as follows: CLAIM NUMBER LOSS ITEM PAYMENT AMOUNT [redacted] Air Ambulance $28,300.00 [redacted] Guarantee of Payment to [redacted] Hospital $6,747.20 [redacted] Cost of EVAC Air Ticket for Escort $50.00 On July 15, 2016, this office received medical documentation from [redacted] Hospital regarding the Guarantee of Payment with the hospital. On July 24, 2015, Seven Corners received a claim form and receipts from Mr. [redacted] regarding his out-of-pocket medical costs. On August 13, 2015, Seven Corners sent via US Postal Service correspondence to [redacted] requesting additional information. This office asked the insured to provide an Explanation of Benefits (EOB) form from his primary healthcare insurance carrier: [redacted] insurance. This information is needed to evaluate his presented medical expense claim for his out of pocket medical expenses. On August 31, 2015, Mr. [redacted] called Seven Corners and spoke to Amber J[redacted] and asked why this office needed information from [redacted] insurance, Ms. J[redacted] explained that they are his primary insurance carrier and that Seven Corners provides secondary coverage, Mr. [redacted] stated he understood this and would contact [redacted] regarding his overseas coverage. On August 31, 2015, Mr. [redacted] contacted Wesley S[redacted] via email stating that [redacted] insurance would cover some of his Urgent and Emergency Care expenses, however [redacted] would need a copy of the itemized bill. The insured asked Wesley S[redacted] if he could assist with obtaining a copy of his itemized medical bill from the treating hospital in Costa Rica. Mr. S[redacted] indicated as a courtesy, he would assist Mr. [redacted] in obtaining the document, even though the purchased travel plan provides excess coverage to [redacted] insurance. On September 10, 2015, Seven Corners sent via US Postal Service a second written request of the insured party for an [redacted] insurance EOB and upon receipt of this document this office would conclude handling of his loss. On September 17, 2015, Mr. S[redacted] informed [redacted] via email (john[redacted][email protected]) that he has obtained the medical records from [redacted] Hospital. On September 25, 2015, Wesley S[redacted] emailed Mr. [redacted] the medical report and invoice to submit to [redacted] insurance. On October 1, 2015, Wesley S[redacted] sent a follow up email to Mr. [redacted], asking for the insured to confirm receipt of the correspondence that contained the requested medical records. Mr. S[redacted] did not receive a response to his inquiry to [redacted]. Seven Corners communicated within our September 10, 2015 letter to Mr. [redacted] that upon receipt of an Explanation of Benefits from [redacted] insurance his claim would be reopened for further processing. As of today’s date, this office has not received the requested document from [redacted]. We hope this answers [redacted]‘s concerns regarding his recent travel claim. Should you have any further questions involving this claim matter, please contact me at the address listed below. Sincerely, Seven Corners, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Again the so-called independent reviewer decision seem to come out of somewhere (Canada or France) in the deep blue sea… so until further notice I am waiting for the full review of the Indiana Insurance Commissioner’s [redacted]. We will hopefully find out who this independent reviewer is.Thanks for your assistance.[redacted]

Seven Corners, Inc. is in receipt of Complaint ID Number:[redacted] and sent to the attention of Dennis W[redacted] on August 13, 2015. Thecomplaint was filed by [redacted] and we appreciate the opportunity toaddress her concerns.[redacted] purchased a Peter's Way travel insuranceplan for travel...

dates: 4/12/2015 to 4/21/2015. On the date of departure, April12th, [redacted] states she was removed from the flight toIsrael by the British Airways Cabin Service Director. The insured noted incorrespondence, that the airline staff “did not like the way I was breathing”.Emergency Medical Technicians attempted to assist Ms. [redacted], however she wasnot comfortable with the medical attention and she elected to return to her home.Ms. [redacted] then departed Logan Airport by cab and incurred car fare chargesto return to her residence. [redacted] presented a claim to Seven Corners forreview. This office evaluated the claim documentation presented by Ms. [redacted]and determined the loss was not eligible for payment and the reason(s) are asfollows: Ms. [redacted] was not medically restricted from participatingin her covered trip by a Legally Qualified Physician, a coverage requirement.Per documentation dated: 4/13/2015 from Cheshire Medical Center EmergencyDepartment physician, Dr. [redacted]; states “[redacted] is medicallyclear to fly on an airplane. She gets short of breath when she exerts herself.This is normal for her and should not be a problem while flying”.[redacted]’s travel insurance included an optionalcoverage provision, “Cancel for Any Reason.” This office evaluated theapplication of the optional coverage benefit and again, Seven Corners found theloss did not qualify for coverage as Ms. [redacted] did not cancel her trip twodays or more before her scheduledtrip departure date.  On June 29, 2015, aclaim denial letter was mailed to [redacted]’s address of record.Policy language which is pertinent to this matter:COVERAGE D - TRIPCANCELLATION This Coverage D ismade a part of the policy. It is subject to all the provisions of this CoverageDBenefits will be paid up to the Maximum Benefit Amount purchased to cover Youfor the Published Penalties and unused non-refundable prepaid expenses forTravel Arrangements when You are prevented from taking Your Covered Trip dueto:2. A covered Sicknessor Injury involving You, Your Traveling Companion or Business Partner, or Your FamilyMember or You or Your Traveling Companions Family member which necessitates MedicalTreatment at the time of cancellation and results in medically imposedrestrictions, as certified by a Legally Qualified Physician, which prevents an Insured’sparticipation in the Covered Trip;OPTIONAL PURCHASE –CANCEL FOR ANY REASONIf You cancel Your Trip for any reason not otherwise covered by this policy, Wewill reimburse You for 75% of the prepaid, forfeited, non-refundable paymentsor deposits paid for Your Trip provided:1. Your premiumpayment is received within 15 days of the initial deposit/payment for YourTrip; and2. You insure 100% ofall prepaid Trip costs that are subject to cancellation penalties orrestrictions by the Travel Supplier; and3. You cancel YourTrip two (2) days or more before Your Scheduled Trip Departure Date.We hope this answers any outstanding questions in relationto [redacted]’s claim. If you should have any further questions or needfurther clarification of the above, please do not hesitate to contact us.

Seven Corners, Inc. is in receipt of therequest to reopen complaint ID # [redacted] and sent to the attention of DennisW[redacted] on September 2, 2015.  Thecomplainant, [redacted], states he has not received his premium refund in theamount of $74.65 from his travel provider: One Travel.In our prior response from 8/18/2015,Seven Corners received confirmation from One Travel that Mr. [redacted]’s refundwas being processed and he should receive the refund within 7 to 10 businessdays. Upon our receipt of Mr. [redacted]’sinquiry, this office contacted One Travel for further clarification. One Travelstaff states that due to a technical issue, the refund was not processed asinitially promised. However, verification has been provided to show that therefund of $74.65 has been credited to Mr. [redacted]’s credit card.Seven Corners apologizes for the delayand provides the information below from Mr. [redacted]’s travel provider:Dear Ms. J[redacted], I just now rechecked with my refund processing department andrealized that due to a technical glitch the refund did not go through earlier.It has now been processed and the amount of $74.65 would go back to thecustomer credit card - MasterCard ending with [redacted]. Given below is the proof of refund.Merchant DBA: onetravel.comAirline Tax&FeesMerchant ID:     [redacted]               Terminal ID:      001        IndustryType:   ECDate/Time:         09/02/201516:13:19 EDT         Currency Code:  USDCREDITEDCredit Card Type              MasterCardCard Number     XXXXXXXXXXXX[redacted]     Expiration Date               [redacted]Amount               74.65Order ID #          [redacted]Order Description            29302040,ONETRL,F,ADS,AMADEUSTransaction Date            09/02/201516:13:19 EDTTransaction Reference Number [TxRefNum]               [redacted]We are sorry for any inconvenience caused due to the same and hopethis helps resolve the issue. Should you need any further information, pleasecontact me on [redacted]@cheapoair.com or call me on 212.634.4156.Sincerely,Ram P[redacted]Senior Manager - Customer ServiceAgain, Seven Corners apologizes forthe delay in processing Mr. [redacted]’s refund. Please contact this office if youhave any further questions regarding this matter.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

October 10, 2016   [redacted] Revdex.com 151 N Delaware Street #2020 Indianapolis IN  46204-2509 RE:  Complaint ID [redacted]         Customer:  [redacted]         Certificate # [redacted]         Policy Name:  Inbound Choice         Claim #[redacted] Dear Ms. [redacted]: Seven Corners, Inc. is in receipt of the rebuttal by [redacted] for Complaint ID Number [redacted] and sent to the attention of Chelsi T[redacted] on October 4, 2016.  The complainant, [redacted], has disagreed with our response to this complaint. The Inbound Choice policy purchased by the insured is a limited benefit Travel Medical policy.  As explained previously, this policy contains a schedule of benefits allowing up to specified limits for medical services.  The service provided on August 29 for which Mr. [redacted] paid $411.50 was for three physical therapy treatments during the same visit.  The Schedule of Benefits included in the policy contains a limit of up to $45.00 per visit for physical therapy.  This is the maximum amount that can be allowed for this medical service under the policy provisions.  We do find that our statement that the benefit would be paid to the provider of service to be a mistake.  The benefit payment was made to [redacted] since he had already made payment to the provider.  We regret that Mr. [redacted] is not satisfied with the payment under the policy for the claim in question.  However, we are contractually required to process claims in accordance with the terms and limitations of the policy.  At this time we do not find any additional benefit due for this claim.  Thank you for your time and attention to this matter and should you have questions involving this claim matter, please contact this office. Sincerely, Seven Corners, Inc.

Seven Corners, Inc. is in receipt of the complainant’s rebuttal to our initial response regarding complaint [redacted] filed by [redacted]. The complainant, [redacted], has expressed concerns that he was not aware of the coverages provided by the policy at the time the policy was purchased.
In order to clarify the role of the parties involved, American Modern Home Insurance Company is the insuring company of the travel insurance policy purchased. [redacted] is the website that sells travel insurance. Seven Corners is the third party administrator contracted by American Modern Home Insurance Company to provide customer service assistance and claim adjudication services for individuals who purchase the John Hancock Travel Insurance product.
On September 13, 2015, [redacted] purchased a short term travel insurance policy covering his trip dates November 2, 2015 to November 25, 2015. Prior to a travel insurance purchase, Mr. [redacted] had the ability to review policy coverage and compare travel insurance plans. This information is accessible on the [redacted]., website. The Travel Insurance Policy includes a 10 day free look period upon purchasing coverage. During the 10-Day free look period, if the customer determined that the coverage did not meet his needs, he could have cancelled the purchased plan.
This office must uphold our original decision that his claim his ineligible for payment. Policy language which is pertinent to this matter includes the following:
“TEN-DAY FREE LOOKYou may cancel insurance under the Policy by giving Us or Our Administrator written notice within 10 days from the Effective Date. If You do this, We will refund Your premium paid provided You have not filed a claim under the Policy.”
We are sorry we cannot respond more favorably at this time. We hope this answers yourconcerns regarding this matter. Should you have any further concerns, please contact this office. Sincerely,Seven Corners, Inc.

October 12, 2015  [redacted]Revdex.com151 N. Delaware Street #2020Indianapolis, IN 46204-2599 RE: Complaint ID – [redacted]Certificate Number: [redacted]SubmittedVia Email Dear Ms. [redacted]:Seven Corners, Inc. is in receipt of complaint ID # [redacted] forwarded to...

theattention of Dennis W[redacted] via email on September 11, 2015.  The complainant, [redacted](“[redacted]”), is requesting a refund for airfare that was purchased on April 9, 2015[l1] [DJ2] .In order to clarify the roles of the parties involved,Nationwide Mutual Insurance Company (“NMIC”) is the insuring company of thetravel insurance policy purchased by [redacted]. One Travel is a travel provider of flight and other vacation accommodations,and Seven Corners, Inc. (“Seven Corners”) is the third party administratorcontracted by NMIC to provide customer service assistance and claimadjudication services for individuals who purchase travel insurance productsinsured by NMIC.Our records show on April 9, 2015, [redacted] purchased airfarefor a scheduled trip to Washington D.C., and 45 days later he made an onlinepurchase for travel insurance on May 22, 2015[l3] [DJ4] .[L5] [DJ6] On[l7] [DJ8] July 11, 2015, the scheduled trip was cancelled by [redacted].  On July 20, 2015, Mr. [redacted] submitted atravel claim requesting a refund for scheduled travel that was cancelled due to[redacted]’s illness[l9] [DJ10] [DJ11] . Per the submitted trip cancellation claim form, Mr. [redacted]requested reimbursement in the amount of $2,350.14 for airfare and $150.00 forthe cost of the purchased travel insurance policy. Seven Corners reviewed thesubmitted documentation, however since the covered trip was not insured within14 days of the initial travel deposit, this claim may be subject to the plan’spre-existing condition limitations.In order to appropriately evaluate [redacted]’s claim forcoverage eligibility under the purchased travel insurance policy, this officerequested additional information from the insured party. On August 28, 2015[l12] [DJ13] , Seven Corners sent documentation to theinsured party requesting a copy of the cancellation documentation received fromthe travel provider[l14] [DJ15] [DJ16] , One Travel and the names and addresses ofany Doctors who may have treated [redacted] during the time frame of March23, 2015 to May 22, 2015. On September 9, 2015, Seven Corners reviewed thecancellation information from travel provider, One Travel.  As of today’s date, this office has notreceived the names and addresses of any Doctors who may have treated [redacted].Policy language which is pertinent to this matter: GENERAL DEFINITIONSPre-Existing Condition: means any injury, sickness or condition of You, or YourTraveling Companion for which within the sixty (60) day period prior to theEffective Date of Trip Cancellation coverage under the Policy (a) firstmanifested itself or exhibited symptoms which would have caused one to seekdiagnosis, care or treatment; (b) required taking prescribed drugs or medicine,unless the condition for which the prescribed drug or medicine is taken remainscontrolled without any change in the required prescription; or (c) requiredmedical treatment or treatment was recommended by a Physician.The Pre-ExistingConditions exclusion is waived for You if You enroll in the Plan at the timeYou pay the deposit required for the Covered Trip (or within fourteen (14) daysof the initial deposit) and You purchase the coverage under the Plan for thefull cost of the Covered Trip.Please inform us of the names and addresses of [redacted]’s family Doctor, as well as the names and addresses of any other Doctorswho may have treated the patient during the time period: March 23, 2015 to May22, 2015. Upon our receipt of this requested information, Seven Corners willgive [redacted]’s claim our immediate attention. We hope this answers Mr. [redacted]‘s concerns regarding hisrecent travel claim. Should you have any further questions involving this claimmatter, please contact me at the address listed below.Sincerely,Seven Corners, Inc.Enclosure [l1]Pleaseconfirm that the response will be submitted via email as requested by the Revdex.comand thus why this response is not on letter head and that a copy is beingprovided to [redacted]. [DJ2] [l3]Werecommend inserting language specifically stating that the trip insurance waspurchased 45 days after the trip was purchased [DJ4] [L5]Youcan use the language from the letter dated 8/28 ack receipt of claim and mentioning the pre-ex language. [DJ6] [l7]Insertdate trip was cancelled [DJ8] [l9]Insertdate and amount of claim [DJ10] [DJ11] [l12]Werecommend including a copy of this request letter with the Revdex.com response andexplaining the pre-existing condition policy restriction. [DJ13]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Dear Sir or Madam,I appreciate Seven Corners, Inc.'s effort for helping me with my request/complaint.  However, I still prefer to receive a check of 225.91 USD by mail.  Recently I have been extremely too busy to find the bank information for the wire transfer because the banks in Taiwan close at 15:30 pm.  This Monday (September 21th) I checked my mailbox and found a letter (priority mail) from Seven Corners, Inc., asking me to give them my bank information.  This mail was my first time to receive a mail successfully from Seven Corners, Inc., however, there was no check inside.  (The country name of the address is "TAIWAN" only.  It is a very acceptable way to show my country.)  Since I could receive this mail without any problem, I think we can try to use the updated address (actually, only the correct country name) to send the check again.I think when we use the wire transfer, banks will also take some money from us.  Additionally, I prefer to save the money through USD.  Therefore, I would like to receive a check from Seven Corners, Inc.  I hope Seven Corners, Inc. can accept my request and will be happy to help me with this situation.Thank you very much for your precious assistance.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]

Revdex.com:
 
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.I am not satisfied by the company's or Wesley's response because they are lies.  Wesley told me numerous times he would help me get a better copy of the bill, he did not stop correspondence once I told him I was filing a Revdex.com complaint, he did that much earlier.  The company only needs to look at his emails to confirm this.  Below is one I sent on February 1st, months before the Revdex.com complaint:"Can you please let me know what's going on?Thanks"I later sent another one to Wesley S[redacted] on february 12th:  it is below and I'm sure the company can go through his emails to confirm this: "Wesley, I just can't understand why it is so hard  to work with you.  Do you check your email?  Its 2016.  I have emailed you numerous times and and you simply ignore them. I am calling again today to speak with your supervisor, though I doubt this will help. I will also be reaching out to the CEO personally.  I believe how customer are treated at Seven Corners should be brought to their attention."  Also, the above response from the company says they just recieved a claim from me in May, when in fact this was a forwarded email containing the claim that I first sent in July 2015.  They can easily see this though its funny they don't mention it here.  Given they are a large company, I'm sure they record their calls.  Why else would I keep checking back with Wesley for a legible bill if he did not agree to help me procure one?When I called the hospital myself with a translator from my work to get one myself, they told me they could not send me one because the bill had been paid by Seven Corners and so the file was closed or something like that.  They did pay the hospital bills, but before I had already paid the ones mentioned above out of pocket.  I believe it was Wesley S[redacted]'s or Seven Corners intention to not get me a copy, knowing I couldn't get on myself and submit to my insurance first, thereby preventing them from every reimbursing me.  These bills would have never been reimbursed had I not filed a report with the Revdex.com.  I can't believe he would say he never said he would help me.  We discussed it at lenght over the phone.  I am assuming they are assuming I didn't record these calls and there is not record of it in the email, just of me asking him to do it.  He is a liar, he knows it and I suspect the company knows it.  They could easily listen to our phone calls and see that he surely committed to helping me get a legible copy. Even though it took a full year to finally get reimbursed for the claim I submitted for out of pocket expennses, I am glad there are actually responsiblepeople working at Seven Corners to offset such unprofessional, immature, dishonest pawns like Wesley S[redacted].  I understand that insurance companies need people of such low caliber to keep their profits by not keeping their promises. I was honestly expecting to be thanking Seven Corners in this response and selecting that I was satisfied given they have finally reimbursed me for out of pocket expenses, even though it took a year after submitting the claim.  I just can't believe they used this opputunity to call me a liar.  I truly believe that all current and prospective clients should see what I have gone through and I hope the Revdex.com leaves this post up.            
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and am submitting my response to them as follows:We didn’t see the insurance offer on our screen earlier, as
soon as we saw it, realizing the health condition of [redacted], we opted
for it.  If it were late, as it is claimed,
the payment should not have been accepted, instead the company should have
informed us about the lapse of time!  The
company accepted the payment hoping that we will travel and they will get to
eat up our $150 without having to ever take any responsibility towards the
insured amount; a bogus offer which should be considered a spam!Nobody buys airfare to waste or claim back the amount s/he
paid from his/her pocket!  Is insurance
company paying from their pocket more than we have already paid?  So, this doubt that it might be false claim
and a doctor has to confirm the sickness, or the treatment for the sickness
does not even make sense.  Millions of
people buy insurance claims and the company digests them all without even a
burp but when there is a claim of reimbursement due to the genuine condition,
the insurance company starts coming up with unreasonable demands of proof of truthfulness
of the claim!In any case, doctor’s name and phone no. and the report was
provided to seven corners on their demand, which they rejected on the pretext
that it was not within the time-frame they require! Another bluff!  The very fact that [redacted] is a patient
of osteoarthritis, high blood pressure, Lyme disease and diabetes, which is
proven by all the tests that were done on the request of seven corners and the
report was provided, is not enough to prove that she was not in the condition
of traveling due to the flare up of her condition!It is a very clear case of seven corners cutting of corners
whenever people have claimed the insurance they bought from them.  You could check in reviews given about them;
most of them are unpaid or paid way below the insured amount if paid at all! 
Regards,
[redacted] & [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[I accept the 45$ deductible for each physical therapy but there were 3 sessions and I received only 2 reimbursements of 45 dollar each.Thanks]
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
I am an arthritis patient. So, when I booked my tickets with OneTravel.com, they lead me to Seven Corner Insurance company, which offered full refund of our tickets in case of sickness and of course some other reasons I didn't pay attention to. Realizing that sometimes my condition gets worse, I thought it will be a good idea to buy the insurance so that if we are unable to travel due to my health problem, we get full refund of our tickets amount. Isn't that why we buy the insurance? It so happened that Ramadhan came before our traveling date and due to fasting and night prayers my arthritis pains shot up such that I could not sit for 10+ hours in the economy class with cramped seats. As a result, we had to cancel our flight. I called the Insurance company well in time and told them that we cancelled our flights due to my health condition and want the refund as they had promised. The lady sent me the Insurance form and asked me if I could provide a doctor's note to support my claim of sickness. I am an arthritis patient for the last over 30 years, so I don't need to go to a doctor to know if I am able to travel or not because a long time patient often knows his/her sickness/condition better than a doctor. But realizing the fact that this is their policy and they have a right to confirm the authenticity of our claim, I went to a hospital and did all the tests that will prove the severity of my health condition, asked the doctor to fill up the required note from the insurance company (spent considerable time and amount to satisfy the insurance company) and sent it to them. And, they say that you didn't go to the doctor before! If they were honest, they would not be looking for lame excuses to reject our claim. Nobody buys the tickets to cancel and claim the same amount they have paid from their pocket. The only reason one buys insurance is to protect the amount that they have paid from their pocket in case of any mis-hap. So, what is the reason for rejecting a claim that is genuine?! We had lodged our complaint with Revdex.com in September 2015 but instead of getting a refund, we received a letter from Revdex.com telling us that our case is closed since it is settled! We would like to know how did they reach this conclusion?We want our insured amount of the tickets $2300+ cancellation fee $150= $2450 ASAP
Regards,
[redacted] & [redacted]

Seven Corners, Inc. is in receipt of complaint ID [redacted], which was sent to [redacted] on June 19, 2015.  The complainant,  [redacted]  is requesting payment for a trip cancellation claim  involving her relative, [redacted]   Upon  reevaluation...

of this claim,  Seven Corners has reconsidered Mr. [redacted] travel claim and payment of $377.90  has been issued.  Attached is a copy of the Explanation of Benefits which affirms claim payment.   A prior payment had been issued to Mr. [redacted]  in the amount of $77.00.  We have also included an Explanation of Benefits affirming this claim amount.   Please contact our office if there are further questions regarding this matter.

Seven Corners, Inc. is in receipt of Complaint ID Number: [redacted] sent to the attention of Dennis [redacted] on February 16, 2016. The complainant, [redacted], has expressed concerns with the handling of his Trip interruption/Trip Delay claim.
[redacted] purchased a short term travel insurance policy covering his trip dates 11/02/2015 to 11/25/2015. Mr. [redacted] received notification from Philippine Airlines that his scheduled flight for 11/19/2015, had been changed to 11121/15. This change was the result of government authority runway closures, due to the arrival and departure of APEC leaders. The change in itinerary resulted in a Trip Delay loss for Mr. [redacted].
On 12109/2015, Seven Corners received a claim for the additional expenses incurred as a result of the original cancelled flight. The policy purchased provides benefits for Trip Cancellation, Trip Interruption, and Trip Delay for specific named unforeseen events listed in the policy. Unfortunately, the reason the flight was cancelled/delayed was not a covered peril under this policy. A denial letter was sent to Mr. [redacted] on 1211612015, outlining the reason his loss was not covered under the policy. The denial letter quoted Trip Cancellation or Trip Interruption Unforeseen Events.
On 01/11/2016, Seven Corners received an Appeal on this claim. Mr. [redacted] requested benefits apply under the Trip Delay benefits of the policy. This policy has the same named perils for Trip Cancellation, Trip Interruption, and Trip Delay. No benefits apply for the loss due to the runway or airport being closed by government authority. A denial of appeal letter was sent to Mr.[redacted] on 02/02/2016. The appeal analyst returned a call to Mr. [redacted] on 02/16/2016 tofurther explain the policy benefits. Following that conversation, Mr. [redacted] was not pleased but understood that the policy did not provide benefits for his loss.
The policy language which is pertinent to this matter includes the following:
"TRIP INTERRUPTIONWe will pay a benefit, up to the maximum shown on the Schedule of Benefits, if You are prevented from continuing or resuming Your Covered Trip due to any of the Unforeseen events listed below.
 
TRIP DELAYWe Will pay You for additional expenses on a one-time basis, up to the maximum shown in the Schedule of Benefits, if You are delayed en route to or from the CoverFor Trip Cancellation or Trip Interruption, Unforeseen Events Include:Accidental Injury, Sickness or death of You, Your Traveling Companion, Your Family Member, or Your Business Partner; which results in medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled Departure Date.The death or hospitalization of Your Host at Destination.Inclement weather, Natural Disasters, Terrorist Attacks, or mechanical breakdown of the common carrier which results in the complete cessation of travel services at the point of departure or destination for at least 24 consecutive hours.Adverse weather or Natural Disasters resulting in the complete cessation of travel services.Natural Disaster or documented man-made disaster at the point of departure or Your destination which renders Your primary residence or the accommodations at Your destination uninhabitable.(t) Strike that causes complete cessation of services of Your Common Carrier for at least 24 consecutive hours.Your transfer by the employer with whom You are employed on the Effective Date of insurance which requires Your principal residence to be relocated.You or Your Traveling Companion are terminated, or laid off from employment, from aplace of employment for which You have been employed for the past 3 consecutive years. (1) Your business operations are interrupted by fire, flood, burglary, vandalism, product recall, Bankruptcy, Natural Disaster, or financial Default.If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within a 100 mile radius of the territorial City limits of the City to be visited as shown in Youritinerary and the United States government issues a travel advisory indicating that Americans should not travel to a City named on the itinerary.Bankruptcy and/or Default of Your Travel Supplier which occurs more than 14 days following Your Effective Date. Your Scheduled Departure Date must be no more than 12 months beyond Your Effective Date. Benefits will be paid due to Bankruptcy or Default of an airline only if no alternate Transportation is available. If alternate Transportation is available, benefits will be limited to the change fee charged to allow You to transfer to another airline in order to get to Your intended destination. This coverage only applies if the Policy was purchased within 14 calendar days of the initial Trip payment.(I) A documented theft of passports or visas. Documented means that You have reported the theft to the local authorities.(m) You and/or Your Traveling Companion are hijacked, quarantined, required to serve on a jury, subpoenaed, required to appear as a witness in a legal action, provided You are or Your Traveling Companion are not a party to the legal action or appearing as a law enforcement officer.SEVEN CORNERSYou and/or Your Traveling Companion are the victim of felonious assault; have Your principal place of residence made uninhabitable by fire, flood or other Natural Disaster, or burglary of Your principal place of residence within 10 days of departure.You or Your Traveling Companion being directly involved in or delayed due to a traffic Accident substantiated by a police report, while en route to departure.You or Your Traveling Companion who are military personnel, are called to emergency duty for a disaster other than war or are called to active military duty, have their leave revoked or are reassigned for reasons other than War.A cancellation of Your Covered Trip if Your arrival on the Covered Trip is delayed and causes You to lose 51% or more of the scheduled Covered Trip duration due to the reasons covered under the Trip Delay benefit."
We are sorry we cannot respond more favorably at this time. We hope this answers your concerns regarding this matter. Should you have any further concerns, please contact this office.
Sincerely,
Seven Corners, Inc.

February 26, 2016 [redacted] Revdex.com 151 N Delaware Street #2020 Indianapolis, IN  46204-2599 RE:  Complaint ID – [redacted]         Complainant:  [redacted] Dear Ms. [redacted]: Seven Corners, Inc. is in receipt of Complaint ID...

Number [redacted] and sent to the attention of Dennis W[redacted] on February 22, 2016.  The complainant, [redacted], has expressed concerns with the handling of her recent claims. This office has reviewed the file and the claims in question.  The member submitted invoices and receipts that were not legible.  Our Assistance Department promptly responded to Ms. [redacted], advising her of such. We have been in direct contact with Ms. [redacted] who has resubmitted her claims for review. We have advised her of what information is needed to continue our review.  Thank you for your time and attention to this matter and should you have questions involving this claim matter, please contact this office.  Sincerely, Seven Corners, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[I filed 3 claims of 411.50 dollars for physical therapy received by my mother and I already paid the money to service providers. There is 50 dollar deductible on policy I bought for my mother so after that deduction is made I should be reimbursed for what I already paid. Thanks]
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. 
Regards,
[redacted]

February 3, 2016 [redacted] Revdex.com 151 N. Delaware Street #2020 Indianapolis, IN  46204-2599 RE: Complaint ID – [redacted]       Complainant: [redacted] Dear Ms. [redacted]: Seven Corners, Inc. is in receipt of Complaint ID Number: [redacted] and sent...

to the attention of Dennis Wood on February 1, 2016. The complainant: [redacted] has expressed concerns with the handling of a recent travel insurance claim on behalf of our insured, [redacted], under certificate #[redacted]. This office has reviewed the file and the claims in question and find that the denial of the claims as routine services was in error.  As of today’s date, we are in the process of issuing payment in accordance with the policy benefits.  Payment will be made to [redacted] Bukhara at the address on record and to Laboratory Corporation of America. Thank you for your time and attention to this matter and should you have questions involving this claim matter, please contact this office. Sincerely, Seven Corners, Inc.