Seven Corners, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regarding the *** *** trip and the response from Seven Corners. On the original claim form ***'s physician selected the option provided for other in regards to the condition of cystic acne. We completely understood it not being an illness and that is the reason the option provided "other" was selected. Also the Dramended the date she first saw *** for the condition in a letterhead from her office which was faxed to Seven Corners. My daughter was looking forward to attending this trip but just was physically unable to do so due to this debilitating condition which left her with huge lumps on her face. I ask you to remember being among High School peers during such an extreme condition and being on such harsh medication which requires monitoring from said physician. It has not been easy and having to have cancelled such a great opportunity with *** *** was beyond troubling for ***. I have an original copy from Dr***'s letter head submitted to Seven corners (to amend the date on the claim form)
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Seven Corners' response was that the Company wouldn't refund the prepaid premium because a claim was filedHowever, the Company did NOT pay the claim. It is an unethical practice to collect money from consumers for 5-months of services/products, fail to deliver services advertised, and refuse to refund prepaid money.I understand that the premium for the past months are not refundable because the insurance company took the risk for those monthsHowever, for the prepaid portion of future months, the premium should be refunded to us because we requested a refund in advanceAgain we request that Seven Corners refund us the unused portion of premium for period after our cancellation date- 03/09/
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** *** There was no mention of what happens to the Policy until the ExpiryIs it still in force since the cancellation is rejected?*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 with this resolution because during the initial request I was getting very different information from the representatives I spoke withThe last time I spoke with a representative, I was told if I provided more information to support my claim they would review it Although, the way the representative made this statement seemed as if no new information will be reviewed with the intention of reconsidering the circumstances why I was unable to fly that day I am a 80% disabled veteran, I don't use the VA health care that often because I use my employer's health care benefitsWhen I do see the VA it is for routine visits and to reevaluate the condition of my disabilities I explained this in every call and was told that I can provide further information when I see my VA doctor I can provide medical history from my private doctors to support my claim but they are not the primary doctors If they want tosee this medical history I can submit sooner
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Although this company claims in it's reply that it has issued a refund for my claim, I have heard nothing from them Not a letter, email or phone call regarding my appeal I have made several attempts to call and e mail them and they do not respond They have claimed in the past to send correspondence to my house (the original denial that I never received), and nothing has ever come to my house from this company I am frustrated and not sure how to get them to reply to me about this appeal I read that they claim they have issued my refund, yet I have no proof of thatNot sure what to do next
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. However :1) As of today I have not yet received the June letter that Seven Corners referenced in their response and therefore I am basing my acceptance of Seven Corner's response based solely on what I remember the claim form looked like. If they add additional requirements which I deem excessive or burdensome, I may retract this acceptance of their response.2) The "lost" mail had the original receipt from *** *** Residence and I was unable to get back any money from them. This is the only receipt *** *** Residence gave me. I want to know EXACTLY what Seven Corners want from *** *** Residence to confirm that no amount was refunded.3) I demand an apology from Seven Corners for their failure to respond within to days after sending a certain them an email with the scanned images on May 21, and NOT receiving any indication that there are still documents lacking. This delay I place squarely on Seven Corners for failing to follwith any communications. If Seven Corners would like proof that this email was sent, I have it in my INBOX and will gladly forward it back to them.4) If the doctor will charge me for filling out the Seven Corners form AGAIN, I may consider charging Seven Corners for any fee his office may make me pay.NOTE : During the delay, the airline that I had bought the ticket from did refund the fare which I have seen credited to my credit card account. I wish to state that I am no longer pursuing the refund of the airline fare but just the room (*** *** Residence) amount and will make that clear when I respond to the June letter
Regards,
*** ***

I sent the following to *** *** on 1/8/15. Please ask the complaint to provide his/her certificate number so we can identify the policyHi ***, We received an inquiry for *** *** in reference toclaims handling. We’re not finding a file in our system for this
namethat has claims loaded for processing. The file we did find has no claimsreported. Please ask the complainant to provide more information toprocess her complaint We also checked the premium paid *** ***, thinking shecould be referring to a refund on her premiumThe amount paid on premium is$387.40, not the amount in question, which is $55. Thank you

December
7, 2015Ms
*** *** Revdex.com Revdex.com of Central Indiana NDelaware StreetSuite
# Indianapolis, IN 46204-RE: Complaint Number: *** Complainant(s): *** and *** *** Certificate Number: ***Dear
Ms***:Seven
Corners, Incis in receipt of Complaint ID Number ***, forwarded to the
attention of Dennis W***, Seven Corners, Incvia email on November 24,
2015. The complainants, *** *** and *** ***, are requesting
a refund of their airfare that was purchased on April 9, Upon further
review of their file, we are unable to make a final determination on their
claim as we still need medical information from Mr***’s physicianIn
order to clarify the roles of the parties involved, Nationwide Mutual Insurance
Company (“NMIC”) is the insuring company of the travel insurance policy
purchased by the ***s. Seven Corners,
Inc(“Seven Corners”) is the third party administrator contracted by NMIC to provide
customer service administration and claims adjudication services for
individuals who purchase travel insurance products from NMIC. One Travel is the Travel Provider from whom the
***s purchased their flight and other vacation accommodations fromOur
records show that on April 9, 2015, the complainants purchased airfare for a
scheduled trip to Washington D.Cand days later on May 22, 2015, purchased
their travel insurance policy The
travel insurance policy purchased by the ***s contains a pre-existing clause
which states that if travel insurance was not purchased within days of the
initial travel deposit, any claims are subject to the following:GENERAL DEFINITIONSSickness: means an illness or disease which is
diagnosed or treated by a Physician after the Effective Date of Insurance and
while You are covered under the Policy.Pre-Existing Condition
means an illness, disease, or other condition during the sixty (60) day period
immediately prior to the Effective Date for which You, a Traveling Companion, a
Family Member booked to travel with You: 1) exhibited symptoms that would have
caused one to seek care or treatment; or 2) received or received a
recommendation for a test, examination, or medical treatment; or 3) took or
received a prescription for drugs or medicineItem (3) of this definition does
not apply to a condition that is treated or controlled solely through the
taking of prescription drugs or medicine and remains treated or controlled
without any adjustment or change in the required prescription throughout the
sixty (60) day period before the Effective Date.The Pre-Existing
Conditions exclusion is waived if You (a) enroll in this Certificate at the
time You pay the deposit required for Your Trip (or within fourteen (14) days
of the initial Trip deposit); (b) purchase this Certificate for the full cost
of Your Trip; and (c) are medically able to travel on the Effective Date. LIMITATIONS AND
EXCLUSIONSThe following
exclusions apply to Trip Cancellation.Loss caused by or
resulting from:1. Pre-Existing Conditions, as defined in the
Definitions section.Per
their submitted trip cancellation claim form, the ***s requested reimbursement
in the amount of $for prepaid airfare expenses and $for the cost
of the insurance coverage premium. We
have reviewed the submitted documentation but since travel insurance was not
purchased within days of the initial travel deposit, this claim must be
investigated for a pre-existing medical conditionOn
August 28, 2015, correspondence was sent to the ***s requesting the names
and addresses of the physicians who may have treated Mr*** during the time
period of March 23, to May 22, 2015. In addition, Seven Corners requested a copy of the ***’s trip cancellation
notice with the date of cancellation, amount of any fees incurred, and the
amount of any refund / credit received from their travel provider. We have received information regarding the
***’s trip cancellation notice but as of today’s date, we have not received
the names and addresses of the doctors who have treated Mr***As soon as
this information is received, we will be able to continue our review of the
***’s claim.Should
you have any further questions involving this claim matter, please contact our
companySincerely, Seven
Corners

September 30, *** *** Revdex.com N Delaware Street #Indianapolis IN 46204-RE: Complaint ID *** Customer: *** *** Certificate # ***
Policy Name: Inbound Choice Claim #*** Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number *** and sent to the attention of Sureleen S*** on September 23, 2016. The complainant, *** ***, has expressed concerns with the handling of a recent travel medical insurance claim under the certificate # referenced aboveThis office has reviewed the file and the claim in questionWe find that the claim in question was not processed for payment as it should have been. We have now processed the claim for payment in the amount of $to the provider of service. This policy contains a schedule of benefits allowing up to specified limits for medical services. The Schedule of Benefits included in the policy contains a limit of up to $per visit for the type of service rendered. We do regret the delay in processing this claim for benefits under the policy. The issue has been addressed with the appropriate personnel. Thank you for your time and attention to this matter and should you have questions involving this claim matter, please contact this officeSincerely, Seven Corners, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I am going to submit the doc.'s certificate that I obtained on seven corner's request as a proof of my condition, which they are denying now! I have to locate the ccertificate to resend it to youIf they don't give insurance claim being purchased after days, why did they accept the payment? There are lots of complaints against them for cheating people!Regards,
*** & *** ***

December
17, 2015Ms
*** *** Revdex.com Revdex.com of Central Indiana NDelaware StreetSuite
# Indianapolis, IN 46204-RE: Complaint Number: *** Complainant(s):
***
*** *** Certificate Number: ***Dear
Ms***:Thank
you for your December 14, correspondence regarding the above-noted
matter. The complainant, *** ***
***, is requesting a refund of her airfare; however, upon review of her
file, we have confirmed that her claim is not eligible as the reason for her
trip cancellation is not a covered reason under the policyIn
order to clarify the roles of the parties involved, Nationwide Mutual Insurance
Company (“NMIC”) is the insuring company of the travel insurance policy
purchased by Ms***. Seven Corners,
Inc(“Seven Corners”) is the third party administrator contracted by NMIC to
provide customer service administration and claims adjudication services for
individuals who purchase travel insurance products from NMIC. One Travel is the Travel Provider from whom
Ms*** purchased her flight fromOur
records show that on October 24, 2015, Ms*** purchased airfare for a
scheduled trip from Pittsburgh, Pennsylvania to Manila, Philippines Per Ms***’s claim form, she was a
no-show for her October 27, departing flight as she did not know where the
gate was located due to a language barrierUnfortunately, this reason is not a
covered perils in the event of a trip cancellation. Please
refer to the pertinent policy language listed below which lists the covered
perils in the event of a trip cancellationTRIP CANCELLATIONThe Company will
reimburse You, up to the Maximum Benefit shown on the Confirmation of Coverage,
if You are prevented from taking Your Trip for any of the following reasons
that are Unforeseen and takes place after the Effective Date:Your Sickness,
Accidental Injury or death that results in medically imposed restrictions as
certified by a Physician at the time of Loss preventing Your participation in
the TripA Physician must advise to cancel the Trip on or before the Scheduled
Departure Date;Sickness, Accidental
Injury or death of a Family Member or Traveling Companion, booked to travel
with You, that results in medically imposed restrictions as certified by a
Physician preventing that person’s participation in the Trip;Sickness, Accidental
Injury or death of a non-traveling Family Member;You or a Traveling
Companion being hijacked, Quarantined, required to serve on a jury, subpoenaed,
the victim of felonious assault within ten (10) days of departure; having Your
principal place of residence made Uninhabitable by fire, flood, volcano,
earthquake, hurricane or other natural disaster; or burglary of Your principal
place of residence within ten (10) days of departure;You or a Traveling
Companion being directly involved in a traffic accident substantiated by a
police report, while en route to departure;The death or
Hospitalization of Your Host at Destination;A Terrorist Incident
that occurs in a city listed on Your Trip itinerary and within thirty (30) days
prior to Your Scheduled Departure DateThis same city must not have
experienced a Terrorist Incident within the ninety (90) days prior to the
Terrorist Incident that is causing the cancellation of Your Trip. Benefits are not provided if the Travel
Supplier offers a substitute itineraryThis does not include flight
connections or other transportation arrangements to reach Your destination
Your Scheduled Departure Date must be no more than twelve (12) months beyond
Your Effective Date. A Terrorist
Incident that occurs onboard an in-flight aircraft is not coveredYou, a Traveling
Companion or Family Member, who are military personnel, and are called to
emergency duty for a natural disaster; this does not include war; Strike that causes
complete cessation of services for at least twenty-four (24) consecutive hours;Weather that causes
complete cessation of services of the Common Carrier for at least twenty-four
(24) consecutive hours and prevents You from reaching Your destinationThis
benefit will not apply if the potential natural disaster has been forecasted or
a storm has been named prior to purchase of this coverage;Mandatory evacuation
(or public official evacuation advisements where there is no mandatory
evacuation) issued by local government authorities at Your Trip destination due
to hurricane or other natural disasterIn order to cancel Your Trip, You must
have four (4) days or 50% of Your total Trip length or less remaining on Your
Trip at the time the mandatory evacuation ends.Unfortunately,
since Ms***’s reason for missing her flight is not covered under the
Policy, benefits are not payable under the plan. Should
you have any further questions involving this claim matter, please contact our
companySincerely, Seven
Corners

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. After reading this message, I understand the Seven corner's has proceeded to issue the settlement in the value $1,Could Revdex.com ensure that is it mailed as soon as possible and provide receipt that is is mailed by certifiable mail delivery and tracking number information through the USPS.** *** ***
*** *** ***Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
To Whom It May Concern, I regret that we cannot reach an agreeable settlement for this insurance claimI will now be contacting the Indiana Department of Insurance for assistance with this denied claimI will be providing them with all e-mail exchanges that we have had from the beginningHave a good day, ***

Seven Corners, Incis in receipt of Complaint ID Number:*** and sent to the attention of Dennis W*** on August 26, Thecomplaint was filed by *** *** and we appreciate the opportunity toaddress his concerns.*** *** purchased a Liaison International policy onApril 15, 2915,
plan for coverage period: 4/21/to 5/7/On April 29,and April 30, 2015, *** *** states one of his bags was lost at thehotel he was visiting and the following day Emirates Airlines lost a piece ofhis luggage.Mr*** presented a claim(s) with Seven Cornersregarding his missing baggageThis office reviewed the presented claimsdocumentation and noted that the insured submitted a handwritten document datedMay 2, from: the Eithad Hajj Group/Fairmont Clock Tower MeccaThe hotelindicated that the insured was travelling without his baggage/luggage.The insured also submitted a claim document from EmiratesAirlines which was illegible and asked the customer to present clear documentsfor Seven Corners reviewMr***, presented additional documents,however the resolution was equally poor or worse than the original copy sentfor reviewSeven Corners mailed and contacted the insured via email(***) informing him of the poor resolution of the communicationfrom Emirates Airlines and if he could forward a legible copy for our review,as this office needs to confirm how his claim for his lost luggage/baggage hadbeen resolvedThe customer attempted to send several copies, all equallyillegible.*** *** later submitted to this office, an emailfrom Emirates Baggage Services dated May 10, 2015, affirming that the airlineis tracing his baggageMr*** noted the airline found his luggage May26, Per Mr***, he went to the Los Angeles International Airportto retrieve his property and paid $via check to Emirates BaggageServices and a $fee to customs ($total) on June 1, The customer stated in his concerns to the Revdex.com of CentralIndiana, he was seeking reimbursement in the amount of $dollars for hisout of pocket costs incurred to retrieve his baggagePer the purchased plan,the cost to ship the customers baggage to their residence is not a coveredbenefit, however as a good-faith gesture, this office is willing to refund theinsured the $202.00.Should the customer agree with this proposed solution, SevenCorners has included a general release form for Mr*** to signUpon ourreceipt of that document, this office will proceed to issue payment direct to *** in the amount of $and mail to his address of record.We hope this answers any outstanding questions in relationto *** ***’s claimIf you should have any further questions or needfurther clarification of the above, please do not hesitate to contact us. Enclosure: General Release

Seven Corners,Incis in receipt of Complaint ID Number: *** and sent to the attentionof Dennis W*** on August 25, The complaint was filed by *** *.*** and we appreciate the opportunity to address his concerns.*** *** purchased a RoundTrip Economy (AOS) travel insurance
policyand during his trip, he became ill and sought out medical treatmentSevenCorners received his claim documentation and determined the loss was coveredand proceeded to issue a claim payment check in the amount of $USDTheclaim check mailed to Mr***’s address of record in the United States. The customer,wished to deposit the check in the Philippines and not in the U.Sand couldnot deposit the check into a Philippine bank account. *** *** requested a wire payment besent to his banking institution in the PhilippinesMr*** provided SevenCorners with his banking information and this office accommodated theconsumers’ request for a wire transfer payment Cambridge MercantilePayment Reference: ***Currency and Amount: $USDBeneficiary: *** *** *** On August 24, 2015,Seven Corners completed a wire transfer payment in the amount of $USD.The payment was sent to the consumers banking institution and this office hasincluded a copy of the transaction confirmation affirming the wire transfer. Upon receiving Mr.***’s concerns made to the Revdex.com of Central Indiana, this officereevaluated his presented claim and found that there was a handling delayregarding the reissuance of his payment via wire transferSeven Cornersapologizes profusely for this delay as we aim to satisfy our internal andexternal customers We hope this willresolve Mr***’s concerns regarding his recent claimIf you should haveany further questions or need further clarification of the above, please do nothesitate to contact us. Enclosure

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
To Whom It May Concern, I regret that we cannot reach an agreeable settlement for this insurance claimI will now be contacting the Indiana Department of Insurance for assistance with this denied claimI will be providing them with all e-mail exchanges that we have had from the beginningHave a good day, ***

Revdex.com:
I just received a response back from Seven CornersWill review and respond as neededThank you for expediting the response
Regards,
*** ***

Dear Revdex.com;This is extension of my complain#***There are three providers need to be paid.1) Doctor - $18052) Quest - $6243) Doctors Express- $293Recently I got the letter from Seven corners and they agreed to pay doctor’s bill of only $out of $They denied request for the Quest bill and no word yet on Doctors Express billThey denied or underpaid my providers with a remark that “DENIAL: Charges EXCEED Maximum allowed”My insurance coverage is $45,Medical Maximum per Injury/SicknessHow these bills are over $45,000? Does this really make sense? We didn’t even ask for the medicine cost and not even asking them to pay anything for medicine but they must pay all three providers as these are over months old billsThank you, *** ***Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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 *** ***We will hopefully find out who this independent reviewer is.Thanks for your assistance.*** ***

December
3, 2015***
*** Revdex.com Revdex.com of Central Indiana NDelaware StreetSuite
# Indianapolis, IN 46204-2599RE: Complaint Number: *** Complainant(s): *** *
*** Insureds: *** *** and *** *
*** Certificate Number: ***Dear
Ms. ***:Seven
Corners, Incis in receipt of complaint ***, forwarded to the attention
of Dennis W***, Seven Corners, Incvia email on November 30, 2015. Upon additional information just received
from One Travel, we are pleased to advise that payment in the amount of $
($per person) has been issued.
The *** also requested reimbursement for their rental car and the
premium paid for their travel insurance policy.
There is no coverage under the travel policy for rental car expenses and
in regards to the money paid for the travel insurance policy, all premiums are
non-refundable after a ten (10) day free look period. In
order to clarify the roles of the parties involved, Nationwide Mutual Insurance
Company (“NMIC”) is the insuring company of the travel insurance policy
purchased by the ***. Seven Corners,
Inc(“Seven Corners”) is the third party administrator contracted by NMIC to
provide customer service administration and claims adjudication services for
individuals who purchase travel insurance products issued by NMIC. One Travel is the Travel Provider from whom
the *** purchased their flightsThe
delay in the processing of this claim was the result of an incorrect booking
number listed on the claim form filed by the insured. The cancellation notice submitted by the
insured, booking number ***, was not insured under this travel insurance
policy. The correct booking notice was
***. We contacted One Travel and
were able to obtain the correct booking number for the trip insured under the
NMIC policy and upon such receipt of such information issued payment as
described above.Should
you have any further questions involving this claim matter, please let us knowSincerely, Seven
Corners, Inc Claims Administered on Behalf of Nationwide Mutual Insurance Company and
affiliated companies