Seven Corners, Inc.

Seven Corners, Incis in receipt of therequest to reopen complaint ID # *** and sent to the attention of DennisW*** on September 2, 2015. Thecomplainant, *** ***, states he has not received his premium refund in theamount of $from his travel provider: One Travel.In our prior response from 8/18/2015,Seven Corners received confirmation from One Travel that Mr***’s refundwas being processed and he should receive the refund within to businessdaysUpon our receipt of Mr***’sinquiry, this office contacted One Travel for further clarificationOne Travelstaff states that due to a technical issue, the refund was not processed asinitially promisedHowever, verification has been provided to show that therefund of $has been credited to Mr***’s credit card.Seven Corners apologizes for the delayand provides the information below from Mr***’s travel provider:Dear MsJ***, 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 $would go back to thecustomer credit card - MasterCard ending with ***Given below is the proof of refund.Merchant DBA: onetravel.comAirline Tax&FeesMerchant ID: *** Terminal ID: 001 IndustryType: ECDate/Time: 09/02/201516:13:EDT Currency Code: USDCREDITEDCredit Card Type MasterCardCard Number XXXXXXXXXXXX*** Expiration Date ***Amount 74.65Order ID # ***Order Description 29302040,ONETRL,F,ADS,AMADEUSTransaction Date 09/02/201516:13:EDTTransaction Reference Number [TxRefNum] ***We are sorry for any inconvenience caused due to the same and hopethis helps resolve the issueShould you need any further information, pleasecontact me on ***@cheapoair.com or call me on 212.634.4156.Sincerely,Ram P***Senior Manager - Customer ServiceAgain, Seven Corners apologizes forthe delay in processing Mr***’s refundPlease 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 ***, and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I have already explained several times to several different employees of Seven Corners, when I initially purchased the travel insurance I was told that my TRIP would be covered only to find out when I filed the claim that the woman did not inform me that I had to make separate purchases to cover my tripNot only that but the amount of my trips equaled $302.90, which I was issued a check for $I am still owed $for the other portion of my tripThis company has scammed my husband and I out of over $and I have been fighting for it sinceI purchased the insurance on the 10th with the knowledge from the employee I purchased it through that my trip was coveredI then had to spend another $for more coverage which is why the day of he appointment is the day before coverageWe are being scammed out of our money by this companyI am fighting for my money back from this company.
Regards,
*** ***

March 15, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204- RE: Complaint ID: *** Complainant: *** *** To Whom It May Concern: Seven Corners, Inc(“Seven Corners”) is in receipt of Mr***’s rebuttal to our initial response regarding Complaint Number ***. Upon review of his claim file, we must uphold our original decision that trip cancellation benefits are not payable As explained in our February 23, correspondence, in order for trip cancellation benefits to apply, the policyholder’s condition must meet the purchased policy’s definition of sickness, which is defined as: (1) an illness that requires a physical examination and medical treatment by a physician and (2) commences while the coverage is in effectIn addition to medical treatment, the policy requires evidence of medically imposed restrictions by a physician preventing and/or advising against travel on or before the scheduled departure dateMr*** self-treated his medical condition, which does not satisfy the policy requirements in order for benefits to apply. Mr*** did provide a letter from his primary care physician with the Department of Veterans Affairs Hospital. Unfortunately, the letter does not provide the required information to document his medical condition. Instead, the physician simply stated that Mr*** fell ill while on vacation and was not able to depart on his scheduled flight. Due to the failure of Mr*** to provide the required medical documentation, no trip cancellation benefits apply to his claimIn his rebuttal, Mr*** states that on Friday, he spoke with a Seven Corners representative and requested a copy of his policy. Seven Corners does not have record of this phone call but due to his request, a copy of his policy was sent today to the following email address: ***@gmail.com. In addition, a copy of the policy was originally emailed to Mr*** on June 16, as a “.pdf attachment” with his booking confirmation. If you have any further questions or need further clarification of the above, please do not hesitate to contact us Sincerely, Seven Corners, Inc

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 meFinally, I received my claim Thank you Revdex.com for helping me in this matter.
Regards,
*** ***

November 8, *** *** Revdex.com NDelaware Street #Indianapolis, IN 46204-RE: Complaint ID: *** Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number *** sent
to the attention of Chelsi T*** on November 1, 2016. Seven Corners, Incis the administrator for the short term travel protection plan underwritten by American Modern Home Insurance Company. This response is on behalf of Seven Corners, Incand American Modern Home Insurance Company. The complainant, *** ***, has expressed concerns with the denial of a claim submitted for airfare expenses incurred as a result of a Trip Interruption. *** *** purchased a short term travel insurance policy on May 4, 2016, covering trip dates June 11, to June 18, 2016. On July 19, 2016, Seven Corners received a claim from Mr***, for additional airfare incurred when two members in his party had to return home early due to the death of a family member. The insured group had driven to their vacation destination. Mr*** purchased two airline tickets in the amount of $for his wife and daughter to fly home following the death of the family member. The policy purchased provides Trip Interruption benefits only for the unused, non-refundable travel arrangements prepaid to the travel supplier. This benefit does not reimburse for additional airfare. A denial letter was sent to Mr*** on July 22, 2016, explaining the reason the loss was not covered under the policy. The policy language which is pertinent to this matter includes the following: “SECTION IVCOVERAGES TRIP INTERRUPTION We 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 We will pay for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).” 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 officeSincerely, Seven Corners, Inc

March 2, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204- RE: Complaint ID: *** Complainant: ***
*** To Whom It May Concern: Seven Corners, Inc(“Seven Corners”) is in receipt of Complaint *** which was filed by *** *** on February 21, 2016. We have reviewed the complaint and the claim file and have confirmed that the claim is not eligible for trip cancellation coverage benefits. The reasoning for our decision is explained below In order to clarify the roles of the parties involved, Nationwide Mutual Insurance Company (“NMIC”) is the underwriter of the travel insurance policy purchased by *** ***. 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 Ms*** purchased her flights On November 17, 2015, Ms*** purchased a roundtrip ticket on Etihad Airways departing on January 3, from Jacksonville, FL, US (JAX) to Singapore Changi, SG (SIN) with connections at New York John FKennedy International Airport (JFK) and Abu Dhabi International Airport (AUH) Ms*** was scheduled to return to Jacksonville on May 8, 2016. On January 3, 2016, the flight from JAX to JFK was delayed and the aircraft arrived at JFK at 9:p.m., minutes after its scheduled arrival of 8:p.m As a result, Ms*** missed her connecting flight continuing to SIN. Etihad Airways did not have any other available flights until January 5, 2016, so Ms*** canceled her booking with Etihad Airways and purchased additional airfare with another airline to get to her final destination in time for the event she was attending. Ms*** is claiming that trip cancellation coverage should cover the additional airline expense she incurred when booking a new flight for her travel from JFK to SINHowever, her claim was denied because the aircraft departed as scheduled. Under the policy purchased by Ms***, Trip Cancellation benefits are available if the insured is prevented from taking the scheduled tripBased on the documentation presented by Ms***, she left on her trip as planned. Since Ms*** was able to depart on her trip as scheduled and only experienced a delay on the second leg of her trip, we looked to her Trip Delay benefits for coverageUnfortunately, additional airfare expenses are not a covered expense under the Trip Delay benefit. If Ms*** has any additional receipts relating to her Trip Delay, we encourage her to submit them for further review Regarding the additional airfare Ms*** paid to return home, Ms*** cancelled her reservation with Etihad Airways and by doing so, would automatically void her return flight as well Policy language which is pertinent to this matter includes the following: TRIP DELAY The Company will reimburse You for covered expenses on a one-time basis, up to the Maximum Benefit shown on the Confirmation of Coverage, if You are delayed, while coverage is in effect, en route to or from the Trip for twelve (12) or more hours due to a defined Hazard Covered expenses: (a) Any Additional Expenses incurred Additional Expenses means any reasonable expenses for meals and lodging as well as local transportation and essential phone calls that were necessarily incurred as the result of a Hazard and that were not provided by the Common Carrier or other party free of charge Please understand that our action at this time should not be construed as a waiver of any and all rights and defenses which NMIC may have under the policy in question, and any applicable statutory or common law, all of where are hereby expressly reserved We appreciate the opportunity to address Ms***’s concerns. Please contact this office should you have any further questions regarding this matter Sincerely, 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
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,
*** *** The death of the family member - Insurance falsely advertised to include a rebooking the the original flight tickets November 15th - December 14, a pain to return here to rebook the ticket for later on February 15th, 2015.The terms of the insurance policy states that whatever is the least of the dates is the coverage of the ticket.I feel the label "insurance included" is a hurting meThe ticket shows the link to your insurance on the Nov 15th flight.The terms of the insurance although showing "insurance included" says a change in the itinerary in a rebooking an extra dollars which I did fails the insurance for the rebooked flight even so stating "insurance included"The deceased family member is before the return date of the rebooked "insuranced included", yet the terms of the insurance does not included insurance on the rebookings for a full refund as falsely promised by the sales agents after Dec 14th, 2015.If you would again fail me a free ticket with Scandinavian Airlines, It will not be covered by your insurance for a death in the family again owing to the booking changes falsely stating the booking is the covered for within the return date of the round trip ticketPurchased February 7thRebooked February 15th ticked paid in full for November 15th to December 14th check the Dec 15, ticket it is there and promised in the confirmation.I complain that even though stating on the ticket for february 15th insurance includedThe Rebooking voided and nulled any future insurance including for aspergers and the unexpected event of a death and a relativeFor condolences for the confusion could you pay me a future credit to One Travel or a full-refund to any mail address I stated earlierI'm desperately at home looking for the decision letter and could not find it in the incoming mailDid you mail the decision letter? The included forms for the doctor's information were not included promptly and there is some new information on the mailing addressThere seems to be important information on the quality of the mailings the final decision did not come from Nationwide and was written in faulty legal terms and was emailed and ever mailed?The hidden terms ended the insurance although falsely advertised on the ticket to be includedI do hope that the rebooking is truely increasing the hopes of a refund so it promised to be always "insurance included" to those having it advertised in their ticket and the terms of the end date of the insurance coverage could extend past the February 15th repaying with credit card date, for both insurance, and and I payed for an insured ticket for Nov 15th - Dec14, and the question is does the insurance show insurance included and it is shown as included for the Dec 14th, date for ending period of the coverage, the available seats on the plane.* note the insurance included is as stated on the print of the ticket and examining the dates on the ticket shows it is indeed for the December 14, return round trip dateI think the question is, is what is written on the payment purchase is what is "included" for all the periods November 14th to December 15th flightI would claim that the written "insurance included" on the ticket is more powerful than the insurance terms that would ever rarely null and void any insurance for a rebooking when so stated insurance inlcuded so in the billing on February 15th for theNov 15th - Dec14, flight plan on an international round trip insured itinary having been properly cancelled and given instructions by the ticket agents at One Travel to call Seven Corner's, Inc for a full-refund.After failing to board the plane owing to my illness my relative died before the end of the coverage period December 14th, My plane illness was important to describe the cancellation however the the death of the relative is the sole reason the flight plan cancellation is withing the validity period of the covered times periods ending on the last day of the return round trip plane flightThe insurance covers the total cost of the flight for the death of a relative after the date of the flight cancellation spanning to the return date. The insurance covers the total flight cost for round-trip international ticketIn this flight cancellation plan covered flight Nov 15th - Dec 14th spanning back to from the Dec 14th ending date of coverage to the months pre-flight departure coverage to coverage just to the return dateThe flight rebooking period was from February 7th, and covered year should I wish not to apply for the ticket cancellation refund and instead rebook the flightCancellation are covered and backed for flight cancellation from the preflight terms of coverage to the last day of the ending flights Nov 15th flight and Dec 14th flight together making a generous time period to cancel the round trip dates for the return flight cancellation or year from original purchase price for rebooking and refunding the price through the terms of the insurance should the flight traveler me, not wish to rebookI did not wish to rebook after rebooking February 15th and asked for a refund through the seven corner's claims instructions after cancelling the ticket twiceOnce cancelling for the flight on Nov 15thand a second time cancelling for the flight on Dec 15th to be extra sure each of the round trip flights on Scandinavian Airlines through One Travel had been canceled freeing up the plane seats privileding me to a refund and a check to my a client "record" address client contact addresssI submitted twoI was instructed by One Travel to work through Scandinavian Airlines for a full refundScandinavian Airlines contacted me refusing the full refund or asking the sales person to contact Seven Corners to process the advertising refund on their ticket for their complementary refund conditions.The insurance covers the total cost of the flight for the death of a relative when not expecting it to occur and the validity period is the end the last date of the return round trip ticket, including the cancellation reasons for asperger autism and other mental disorders and I had not admitted oneself to the hospital, yet cancelled before the November 14th departureSoon after the cancellation, a relative deceasedThe two events are so differentI submitted the claim for the asperger autism and in ability to complete the trip and then resubmitted the claim for the deceased relativeThe two events are rare and occured within approved coverage periods ending to the last day in the return round trip cancelled flight planSee the confirmation itinerary to examine the coverable insurance flight coverage beginning and ending dates and the links on the purchase receipt click through to show the covered flight planI did not go to the hospital owing to the asperger disorder not be serious enough for supervising the condition, but rather cancelled the tripSoon later, I found out of the relative deceased and the upcoming funteralThe death of the relative is covered by the covered flight protection plan policy and was before the cancelled return plane flight Dec 14, hence covered in the coverage beginning November 15, and ending December 2015, plus the seven months of pre flight departure allowable advanced cancellationThe coverage for the death of a relative is for all covered terms for all flight seats and the cost to the airlines free up by two cancellations one for the depature and one for the returnBoth the return and the flight departing date are covered by Seven Corner's flight protection plan insurance policy on the flight itinerary, confirmation, and purchase receipt.

December
2, 2015***
***Revdex.comRevdex.com
of Central Indiana
NDelaware StreetSuite
# 2020Indianapolis,
IN 46204-2599RE:
Complaint Number: *** Complainant(s): *** ***
Insureds: *** *** (The Estate of *** *** c/o
*** ***, ***) 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 30,
2015. In
order to clarify the roles of the parties involved, American Modern Home
Insurance Company is the insuring company of the travel insurance policy
purchased by *** ***. Seven
Corners, Inc(“Seven Corners”) is the third party administrator contracted by
American Modern Home Insurance Company to provide customer service
administration and claims adjudication services for individuals who purchase
travel insurance products from American Modern Home Insurance CompanyIn
the Complaint, the Complainant *** ***; is requesting full payment of the
claim amount of $15,000.00. No
supporting documentation was submitted with the Complaint confirming the
claimed expenses of $15,000.00. Our
records show that on July 18, 2013; *** *** purchased an insurance policy
from American Modern Home Insurance Company; through Online Vacation Center
Plan (FL) for his Celebrity Cruises vacationOur
investigation determined that *** *** became ill during the cruise and
required medical attention. Mr***
was medically required to discontinue his travel due to this medical issue Seven Corners secured medical records indicating on ship medical care and off
ship medical care from December 5, till December 14, The named insured, *** *** claimed medical
expenses of $11,on their submitted Proof of Loss Form. Mr*** later passed away on March 6,
2014. Seven
Corners secured the Online Vacation Center Booking Notice and Payment History
Confirmation Notice that indicated the insured’s total trip cost for the Cruise
(package) was $3822.94. Mr*** was
indicated to have missed ten (10) days of his thirty two (32) day cruise. At a rate of $per day, the unused
portion of the trip was determined to have been a non-refunded cost of
$Seven
Corners, Inc.; on behalf of American Modern Home Insurance Company, has issued
the following settlement payments to The Estate of *** *** c/o ***
P***, ***at *** *** *** *** *** ***, Delray Beach, Florida
***.$11,
for the medical expense claim.$1,
for the trip interruption claimThe
Policy language which is pertinent to this matter: SECTION
I - GENERAL DEFINITIONS“Sickness”
means an illness or disease which is diagnosed or treated by a Physician on or
after the Effective Date of insurance and while You are covered under the
Policy.SECTION
IV- COVERAGESWe
will provide the coverage described in this policy only if it is listed on the
Schedule of Benefits.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.We
will pay You for the following:(a)
unused, non-refundable travel arrangements prepaid to the Travel Supplier(s);
or(b)
additional Transportation expenses incurred by You; or(c)
return air travel up to the lesser of the cost of an economy flight or the
amount shown in the Schedule of Benefits, less the value of applied credit from
an unused return travel ticket.In
no event shall the amount We pay exceed the lesser of the amount You prepaid
for the Covered Trip or the maximum benefit shown on the Schedule of Benefits.For
Trip Cancellation or Trip Interruption, Unforeseen Events Include:(a)
Accidental Injury, Sickness or death of You, Your Traveling Companion, Your
Family Member, Your children’s caregiver 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 TripA Physician must advise cancellation of the Covered Trip on or
before the Scheduled Departure Date.EMERGENCY
ACCIDENT AND EMERGENCY SICKNESS MEDICAL EXPENSEWe
will pay Reasonable and Customary Charges up to the maximum limit shown on the
Schedule of Benefits, subject to the Deductible, if You incur necessary Covered
Expenses while on your Covered Trip and as a result of an Accidental Injury or
Emergency Sickness which first manifests itself during the Covered Trip.Covered
Expenses are Medically Necessary services and supplies which are recommended by
the attending Physician.They
include but are not limited to:(a)
the services of a Physician;(b)
charges for Hospital confinement and use of operating rooms;(c)
Hospital or ambulatory medical-surgical center services (this may also include
expenses for a Cruise ship cabin or Hotel room, not already included in the
cost of Your Covered Trip, if recommended as a substitute for a Hospital room
for recovery from a Sickness);(d)
charges for anesthetics (including administration);(e)
x-ray examinations or treatments, and laboratory tests;(f)
ambulance service;(g)
drugs, medicines, prosthetics and therapeutic services and supplies;Insurance
With Other InsurersIf
there is other valid coverage, not with Us, providing benefits for the same
loss on a provision of service basis or on an expense incurred basis and of
which We have not been given written notice prior to the occurrence or
commencement of loss, the only liability under any expense incurred coverage of
this Policy shall be for such proportion of the loss as the amount which would
otherwise have been payable hereunder plus the total of the like amounts under
all such other valid coverages for the same loss for which We had notice bears
to the total like amounts under all valid coverages for such loss, and for the
return of such portion of the premiums paid as shall exceed the pro-rata portion
for the amount so determinedFor the purpose of applying this provision when
other coverage is on a provision of service basis, the “like amount” of such
other coverage shall be taken as the amount which the services rendered would
have cost in the absence of such coverage.We
hope this answers Complainant, *** ***; concerns regarding the claim
presented by The Estate of *** *** c/o *** P***, ***.Should
you have any further questions involving this claim matter, please contact our
companySincerely, Seven
Corners, Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowSeven Corners Claims that they have not received proof of Cancellation; however, *** CC'ed me on the email that was sent to them on August 7th (as I mentioned in my Original Claim to Revdex.com)This is exactly the type of lies that I am referring toEmails can be tracked very easily -- one can place the name in the Search Button in their email box and Retrieve this email immediately if one really wished to look for the email
Nice try by Seven Corners to try to Blame *** -- Revdex.com, please remember that that email, which is proof of my Cancellation, exists and I have been Carbon Copied on that emailI have copied and pasted for your reference
Requested Email: Flight Cancelled! ?
service@***customercare.com (service@***customercare.com)
Add to contacts
8/07/
To: ***@msn.com, ***@tinleg.com
Show this message
From:
service@***customercare.com
Sent:
Thu 8/07/12:PM
To:
j***@msn.com;***@tinleg.com
Dear *** Customer, *** Itinerary number: *** Ticket numbers: *** *** *** , *** *** *** Purchase date: May 5, *** Record Locator: *** Total amount: $2,The customer cancelled the reservation due to medical issuesThe customer was notified by Tinleg (travel insurance provider) to provide proof of cancellation from *** Customer Service Team
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
I am an arthritis patientSo, 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 toRealizing 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 amountIsn'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 seatsAs a result, we had to cancel our flightI 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 promisedThe lady sent me the Insurance form and asked me if I could provide a doctor's note to support my claim of sicknessI am an arthritis patient for the last over 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 doctorBut 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 themAnd, 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 claimNobody buys the tickets to cancel and claim the same amount they have paid from their pocketThe only reason one buys insurance is to protect the amount that they have paid from their pocket in case of any mis-hapSo, what is the reason for rejecting a claim that is genuine?! We had lodged our complaint with Revdex.com in September 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= $ASAP
Regards,
*** & *** ***

March 15, Revdex.com of Central Indiana N Delaware Street #Indianapolis, IN 46204-RE: Complaint ID: *** Complainant: *** *** To Whom It May Concern: Seven Corners, Inc(“Seven Corners”) is in receipt of Mr***’s rebuttal to our initial response regarding Complaint Number ***. Upon review of his claim file, we must uphold our original decision that trip cancellation benefits are not payableAs explained in our February 23, correspondence, in order for trip cancellation benefits to apply, the policyholder’s condition must meet the purchased policy’s definition of sickness, which is defined as: (1) an illness that requires a physical examination and medical treatment by a physician and (2) commences while the coverage is in effectIn addition to medical treatment, the policy requires evidence of medically imposed restrictions by a physician preventing and/or advising against travel on or before the scheduled departure dateMr*** self-treated his medical condition, which does not satisfy the policy requirements in order for benefits to apply. Mr*** did provide a letter from his primary care physician with the Department of Veterans Affairs Hospital. Unfortunately, the letter does not provide the required information to document his medical condition. Instead, the physician simply stated that Mr*** fell ill while on vacation and was not able to depart on his scheduled flight. Due to the failure of Mr*** to provide the required medical documentation, no trip cancellation benefits apply to his claimIn his rebuttal, Mr*** states that on Friday, he spoke with a Seven Corners representative and requested a copy of his policy. Seven Corners does not have record of this phone call but due to his request, a copy of his policy was sent today to the following email address: ***@gmail.com. In addition, a copy of the policy was originally emailed to Mr*** on June 16, as a “.pdf attachment” with his booking confirmation. If you have any further questions or need further clarification of the above, please do not hesitate to contact usSincerely, Seven Corners, Inc

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.
Regards,
*** ***

Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number *** and sent to the attention of Dennis Wood on May 18, 2016.? The complainant, *** ***, has expressed concerns with the handling of recent travel medical insurance claims for insured *** *** under the
certificate # referenced aboveThis office has reviewed the file and the claims in question.? This policy contains the following exclusion: Pre-existing Conditions which are excluded under this policyThis means that any claims for Pre-existing Conditions will not be covered for the duration of this policy a) If You are a United States resident under age 70, this exclusion is waived for the first $25,in eligible medical expenses incurred outside the United States and Canada (for persons age and over, the amount is $5,000), minus Your Deductible and selected Coinsurance option (Plan E or F)This waiver does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to the effective date of this programb) If you are a non-U.Sresident under age 70, this exclusion is waived for eligible medical expenses for an Acute Onset of a Pre-existing Condition(s) (as defined herein) up to $45,(Ages 65-limited to $2,000) for eligible medical expenses incurred in the United States, minus Your Deductible and selected Coinsurance option (Plan A or B)For persons age and over, there is no benefitThis benefit does not include coverage for known, scheduled, required, or expected medical care, drugs, or treatments existent or necessary prior to arrival in the United States and prior to the effective date of this programPre-existing Condition(s) shall mean any medical condition, sickness, Injury, Illness, disease, Mental Illness or Mental Nervous Disorder, regardless of the cause including any congenital, chronic, subsequent, or recurring complications or consequences related thereto or resulting therefrom that with reasonable medical certainty existed at the time of application or any time during the 36* months prior to the effective date of coverage under this policy, whether or not previously manifested, symptomatic, known, diagnosed, treated or disclosedThis specifically includes but is not limited to any medical condition, sickness, Injury , Illness, disease, Mental Illness or Mental Nervous Disorder, for which medical advice, diagnosis, care or treatment was recommended or received or for which a reasonably prudent person would have sought treatment during the month period immediately preceding the effective date of coverage under this policy*For Insured Persons traveling outside the United States and Canada, the period is months instead of monthsA review of the medical records by medical staff determined that based on the medical records reviewed this member’s condition could be be stated with reasonable medical certainty to have existed or is related to a condition that existed at the time of application or prior to the effective date of the policy.? This member did not present within hours of acute onset of symptoms and therefore the Acute Onset Benefit would not apply for this occurrenceThank 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.? ?

July 13, ? ? ? *** *** Revdex.com NDelaware Street #Indianapolis, IN? 46204-? RE: Complaint ID:? *** ? Dear Theresa Davis:? Seven Corners, Incis in receipt of the complainant’s rebuttal to our initial response regarding complaint *** filed by *** ***.? The complainant, *** ***, advised new documentation was provided for further consideration of the claim submitted for Trip Cancellation for *** ***.? Our office received the appeal from the insured on June 27, 2016.? The appeal is currently under review.? The analyst is obtaining further information from the treating physician, to determine if benefits will apply under the policy.? Once that information is obtained from the physician, a letter will be sent to the insured with the final appeal decision.? ? We hope this answers your concerns regarding this matter.? Should you have any further concerns, please contact this office? Sincerely, ? Seven Corners, Inc?

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.?
Regards,
*** And *** ***

Seven Corners, Incis in receipt of Complaint ID Number:*** and sent to the attention of Dennis W*** on August 13, Thecomplaint was filed by *** *** and we appreciate the opportunity toaddress her concerns.*** *** purchased a Peter's Way travel insuranceplan for travel
dates: 4/12/to 4/21/On the date of departure, April12th, *** *** states she was removed from the flight toIsrael by the British Airways Cabin Service DirectorThe insured noted incorrespondence, that the airline staff “did not like the way I was breathing”.Emergency Medical Technicians attempted to assist Ms***, however she wasnot comfortable with the medical attention and she elected to return to her home.Ms*** then departed Logan Airport by cab and incurred car fare chargesto return to her residence*** *** presented a claim to Seven Corners forreviewThis office evaluated the claim documentation presented by Ms***and determined the loss was not eligible for payment and the reason(s) are asfollows: Ms*** was not medically restricted from participatingin her covered trip by a Legally Qualified Physician, a coverage requirement.Per documentation dated: 4/13/from Cheshire Medical Center EmergencyDepartment physician, Dr*** ***; states “*** *** is medicallyclear to fly on an airplaneShe gets short of breath when she exerts herself.This is for her and should not be a problem while flying”.*** ***’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*** did not cancel her trip twodays or more before her scheduledtrip departure date? On June 29, 2015, aclaim denial letter was mailed to *** ***’s address of record.Policy language which is pertinent to this matter:COVERAGE D - TRIPCANCELLATION This Coverage D ismade a part of the policyIt 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: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:Your premiumpayment is received within days of the initial deposit/payment for YourTrip; andYou insure 100% ofall prepaid Trip costs that are subject to cancellation penalties orrestrictions by the Travel Supplier; andYou cancel YourTrip two (2) days or more before Your Scheduled Trip Departure Date.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

November 8, *** *** Revdex.com NDelaware Street #Indianapolis, IN? 46204- RE:? Complaint ID:? *** ? ? ? ? ? ? Dear Ms***:? ? Seven Corners, Incis in receipt of Complaint ID Number *** sent
to the attention of Chelsi T*** on November 1, 2016.? Seven Corners, Incis the administrator for the short term travel protection plan underwritten by American Modern Home Insurance Company.? This response is on behalf of Seven Corners, Incand American Modern Home Insurance Company.? The complainant, *** ***, has expressed concerns with the denial of a claim submitted for airfare expenses incurred as a result of a Trip Interruption.? *** *** purchased a short term travel insurance policy on May 4, 2016, covering trip dates June 11, to June 18, 2016.? On July 19, 2016, Seven Corners received a claim from Mr***, for additional airfare incurred when two members in his party had to return home early due to the death of a family member.? The insured group had driven to their vacation destination.? Mr*** purchased two airline tickets in the amount of $for his wife and daughter to fly home following the death of the family member.? ? ? The policy purchased provides Trip Interruption benefits only for the unused, non-refundable travel arrangements prepaid to the travel supplier.? This benefit does not reimburse for additional airfare.? A denial letter was sent to Mr*** on July 22, 2016, explaining the reason the loss was not covered under the policy.? ? ? The policy language which is pertinent to this matter includes the following: “SECTION IVCOVERAGES TRIP INTERRUPTION We 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? We will pay for the unused, non-refundable travel arrangements prepaid to the Travel Supplier(s).” ? 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 ? ?

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,
*** *** Reason for my going home to? the Philwas the death of my mother

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 still waiting to be reimbursed by seven corners for multiple bills and reciepts that I have submitted? Regarding Wesley S***? The bill he obtained for me was not legible and was rejected by ***? He said he would get me another, that was months ago? I have repeatedly asked what the status is and he ignores my emails? After waiting over months, I emailed him again? NO RESPONSE? Then, even more frustrated, I emailed him asking if he had been fired for being so bad at his job? He responded in less than minutes, sarcastically thanking me for my question and informing me that yes he still works there? He did not update me on the status of the itemized bill? This guy needs help? He is also the one that left me in a hospital for extra days in Costa Rica until I MYSELF, FROM A HOSPITAL BED, called him directly and inquired why he would not approve an ambulance plane home? I have worked with *** to get some of the bills refunded, I am still waiting on others.? ?
Regards,
*** ***