November 8, [redacted] Revdex.com NDelaware Street #Indianapolis, IN? 46204- RE:? Complaint ID:? [redacted] ? ? ? ? ? ? Dear Ms***:? ? Seven Corners, Incis in receipt of Complaint ID Number [redacted] sent to the attention of Chelsi T [redacted] 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, [redacted] ***, has expressed concerns with the denial of a claim submitted for airfare expenses incurred as a result of a Trip Interruption.? [redacted] 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 [redacted] 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 [redacted] 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 ? ?
Claim # I purchased travel claim for my mother on a visitor visa for monthsI paid approx $to seven cornerNearly she was leaving she got swelling in legs and we visited general doctor and paid $After raising a claim and wait over months and spending lots of time in followup, finally my claim is denied saying pre-existing illnessI don't understand, how its pre-existing when she visited doctor only once that too after months almost when she as finally leaving from the countryI paid $+ $= $for nothingBig NO to seven cornerWorst service and you are good for nothingAnukool
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 as soon I receive the paymentI had been told by the company on several occasions about them sending me letters by mail, but actually never got oneI hope it will be different this time Regards, [redacted]
February 14, [redacted] Revdex.com N Delaware Street #Indianapolis IN 46204-RE: Complaint ID [redacted] Customer: [redacted] Certificate [redacted] Insured: [redacted] Policy Name: [redacted] Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number [redacted] and sent to the attention of Chelsi T [redacted] on February 1, 2017. The complainant, [redacted] ***, has expressed concerns with the handling of his wife’s travel medical insurance claims under the certificate # referenced aboveThis office has reviewed the file and the claim in question. The claims were denied under the exclusion in the policy for pre-existing conditions. This decision was made after medical review of the medical records received in connection with [redacted] ’s illness. We regret that Mr [redacted] is not happy with our customer service or claim handling. However, our records reflect extensive communications between our company and Mr [redacted] in efforts to explain our denial and assist him with his concerns. Please be advised that in response to this complaint, as well as a formal complaint that has been filed by Mr [redacted] with the California Department of Insurance, we will be undertaking a complete review of this file. Complete, detailed response to Mr***’s complaint with documentation will be sent to the California Department of Insurance by their deadline of March 1, 2016. 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.
Seven Corners, Incis in receipt of the rebuttal response to Complaint ID Number: [redacted] and sent to the attention of [redacted] on September 8, The complainant: [redacted] submitted copy of cancellation notice she received from travel provider: [redacted] on August 7, regarding the cancelled airfare reservations for [redacted] and [redacted] ***Per the complainant, Ms [redacted] , [redacted] sent copy of cancellation notice to Seven Corners, Incon August 7, This was not the case; Seven Corners, Increceived a copy of the cancellation document within the correspondence from the Revdex.com of Central Indiana on September 8, The document sender was: service@ [redacted] customercare.com and the recipients were listed as: [redacted] @msn.com; and [redacted] @tinleg.com Upon this office receiving the requested cancellation notice; claim payments have been processed for both insured parties [redacted] will receive settlement in the amount of $1,for claim number: [redacted] [redacted] will receive settlement in the amount of $1,for claim number [redacted] We trust that this proposed action will resolve Complaint ID Number: [redacted] We appreciate the opportunity to address the concerns of [redacted] Please contact this office should you have 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]
February 14, ? [redacted] Revdex.com N Delaware Street #Indianapolis IN? 46204-RE:? Complaint ID [redacted] ? ? ? ? ? ? ? Customer:? [redacted] ? ? ? ? ? ? ? Certificate [redacted] ? ? ? ? ? ? ? Insured:? [redacted] ? ? ? ? ? ? ? Policy Name:? [redacted] ? ? ? ? ? ? ? Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number [redacted] and sent to the attention of Chelsi T [redacted] on February 1, 2017.? The complainant, [redacted] ***, has expressed concerns with the handling of his wife’s travel medical insurance claims under the certificate # referenced aboveThis office has reviewed the file and the claim in question.? The claims were denied under the exclusion in the policy for pre-existing conditions.? This decision was made after medical review of the medical records received in connection with [redacted] ’s illness.? We regret that Mr [redacted] is not happy with our customer service or claim handling.? However, our records reflect extensive communications between our company and Mr [redacted] in efforts to explain our denial and assist him with his concerns.? Please be advised that in response to this complaint, as well as a formal complaint that has been filed by Mr [redacted] with the California Department of Insurance, we will be undertaking a complete review of this file.? Complete, detailed response to Mr***’s complaint with documentation will be sent to the California Department of Insurance by their deadline of March 1, 2016.? 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.? ? ? ? ?
Seven Corners, Incis in receipt of therequest to reopen complaint ID # [redacted] and sent to the attention of DennisW [redacted] on September 2, Thecomplainant, [redacted] , 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 [redacted] ’s refundwas being processed and he should receive the refund within to businessdaysUpon our receipt of Mr [redacted] ’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 [redacted] ’s credit card.Seven Corners apologizes for the delayand provides the information below from Mr [redacted] ’s travel provider:Dear MsJ [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 $would go back to thecustomer credit card - MasterCard ending with ***Given below is the proof of refund.Merchant DBA: onetravel.comAirline Tax&FeesMerchant ID: [redacted] Terminal ID: IndustryType: ECDate/Time: 09/02/201516:13:EDT Currency Code: USDCREDITEDCredit Card Type MasterCardCard Number XXXXXXXXXXXX*** Expiration Date [redacted] Amount 74.65Order ID # [redacted] Order Description 29302040,ONETRL,F,ADS,AMADEUSTransaction Date 09/02/201516:13:EDTTransaction Reference Number [TxRefNum] [redacted] 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 [redacted] Senior Manager - Customer ServiceAgain, Seven Corners apologizes forthe delay in processing Mr [redacted] ’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 [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 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 [redacted] to get some of the bills refunded, I am still waiting on others Regards, [redacted]
Seven Corners is in receipt of complaint # [redacted] , and sent to the attention of Dennis *** The complaint was filed by [redacted] who objects to the handling of his claimWe appreciate the opportunity to address the concerns of the complainant.Mr [redacted] purchased a Liaison Continent travel policy on January 8, During his trip, Mr [redacted] sought out medical care related to diabetes and hypertension at the Ella Family PracticeThe medical visit occurred on February 9, The insured party then submitted a medical expense claim to Seven Corners.On March 9, 2015, [redacted] sent an email to Seven Corners requesting to cancel the purchased Liaison Continent policy and refund him the premiumLater that same day, Mr [redacted] was sent notification via email that this office could not refund his premium because he filed a claim on policy number [redacted] The following policy language was included in the communication to the consumer (emphasis added):Part I - INDIVIDUAL INSURANCE PROVISIONSRefund of Premium/Cancellation"REFUND OF PREMIUM - Refund of total plan cost will only be considered if written request is received by Seven Corners prior to the Effective Date of CoverageIf written request is received after the Effective Date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to Seven Corners for reimbursement." This policy language is accessible by insured party prior to and at the time of purchase. In order for this office to appropriately evaluate [redacted] ***'s medical expense claim, Seven Corners proceeded to request medical records from Ella Family PracticeUpon our review of the medical documentation, it was determined the medical visit resulted from Mr***'s pre-existing medical conditionsHis presented claim was therefore ineligible for claim payment On April 9, 2015, notification of claim denial was mailed to Mr***.When we received Mr***'s Revdex.com complaint, we reevaluated his claimBased upon the presented documentation, we must affirm the previous claim denial and reiterate that the premium paid by Mr [redacted] is ineligible for reimbursement since a medical expense claim was presented for payment consideration.Policy Language which is pertinent to the denial of Mr***'s claim:PART IV - EXCLUSIONSMEDICAL BENEFIT EXCLUSIONSFor Medical benefits, this Insurance does not cover: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 citizen, 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 programAny exclusion specifically listed in Medical Benefits exclusions, through 40, will not receive benefits from this waiver.b) If you are a non-U.Scitizen 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 the limit as provided in the Acute Onset of a Pre-existing Condition(s) section of the Schedule of Benefits 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 programAny exclusion specifically listed in Medical Benefits exclusions, through 40, will not receive benefits from this waiver.PART III - DEFINITIONSThe term "Pre-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 [redacted] 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 months.The term "Acute Onset of a Pre-Existing Condition(s)" shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent careThe Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policyTreatment must be obtained within hours of the sudden and unexpected outbreak or recurrenceA Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute OnsetThis 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 coverage.We hope this answers [redacted] ***'s concerns regarding his premium reimbursementShould you have further questions or need further clarification of the above, please do not hesitate to contact us
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.]I missed two days travelling to get to my final destination for vacationAlso I was taking my mother back home who is a senior Regards, [redacted]
Seven Corners, Incis in receipt of Complaint ID Number: [redacted] and sent to the attention of Dennis W [redacted] on August 26, Thecomplaint was filed by [redacted] and we appreciate the opportunity toaddress his concerns[redacted] purchased a Liaison International policy onApril 15, 2915, plan for coverage period: 4/21/to 5/7/On April 29,and April 30, 2015, [redacted] states one of his bags was lost at thehotel he was visiting and the following day Emirates Airlines lost a piece ofhis luggage.Mr [redacted] 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 [redacted] , 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( [redacted] ) 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[redacted] later submitted to this office, an emailfrom Emirates Baggage Services dated May 10, 2015, affirming that the airlineis tracing his baggageMr [redacted] noted the airline found his luggage May26, Per Mr [redacted] , 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 [redacted] to signUpon ourreceipt of that document, this office will proceed to issue payment direct to [redacted] in the amount of $and mail to his address of record.We hope this answers any outstanding questions in relationto [redacted] ’s claimIf you should have any further questions or needfurther clarification of the above, please do not hesitate to contact usEnclosure: General Release
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 was contacted by the insurance company on 11/29/two times to discuss my claimThey clearly have a disconnect amongst there organizationI would request that at this time my complaint be posted for those who may be shopping/investigating travel protection have an accurate picture of my experiencePlease respond if you would like copies of the emails for times when I had correspondence with the insurer 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.My address is: [redacted] (Seven Corners typed the address wronglyAlso, the country's name is [redacted] ) Thanks Regards, [redacted] ***
March 20, [redacted] Revdex.com N Delaware Street #Indianapolis IN 46204-RE: Complaint ID [redacted] Customer: [redacted] Certificate [redacted] Insured: [redacted] Policy Name: [redacted] Dear Ms***: Seven Corners, Incis in receipt of the rebuttal to Complaint ID Number [redacted] and sent to the attention of Chelsi T [redacted] on March 17, 2017. The complainant, [redacted] ***, has expressed additional concerns with the handling of his wife’s travel medical insurance claims under the certificate # referenced aboveAs advised in our response of February 14, a complete review of the file was undertaken in response to the formal complaint filed with the California Department of Insurance. A complete, detailed response was sent to the Department of Insurance. A detailed response was also sent to Mr [redacted] via email on March 3, and also mailed to him via U.SMail. This detailed response does address the questions that Mr [redacted] has expressed in his rebuttal. A copy of this response is attachedThank 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 [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 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: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, Inccan 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] ***
December 17, 2015Ms [redacted] Revdex.com Revdex.com of Central Indiana NDelaware StreetSuite # Indianapolis, IN 46204-RE: Complaint Number: [redacted] Complainant(s): [redacted] Certificate Number: [redacted] Dear Ms [redacted] :Thank you for your December 14, correspondence regarding the above-noted matter. The complainant, [redacted] , 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 [redacted] . 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 [redacted] purchased her flight fromOur records show that on October 24, 2015, Ms [redacted] purchased airfare for a scheduled trip from Pittsburgh, Pennsylvania to Manila, Philippines Per Ms [redacted] ’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 [redacted] ’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 [redacted] , and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Please re-open complaint ID [redacted] as the company did not refund the amount based on the agreement I have called them and no one seems to know what I am talking about. I don't think they deserve a A+ rating. Thanks ***
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]
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.]I purchased the insurance in good faithI did not make a donation to the companyPeople purchas insurance to cover themselvesThe company did not provide any copy of their policy and coverage was assumed by me to be like any other insurance policyDue to the fact they did not disclose this information prior to the travel date , I feel justified in receiving my money based on the information I was givenThey did not make their policy known until I filed for a refund Regards, [redacted]
November 8, [redacted] Revdex.com NDelaware Street #Indianapolis, IN? 46204- RE:? Complaint ID:? [redacted] ? ? ? ? ? ? Dear Ms***:? ? Seven Corners, Incis in receipt of Complaint ID Number [redacted] sent to the attention of Chelsi T [redacted] 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, [redacted] ***, has expressed concerns with the denial of a claim submitted for airfare expenses incurred as a result of a Trip Interruption.? [redacted] 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 [redacted] 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 [redacted] 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 ? ?
Claim # I purchased travel claim for my mother on a visitor visa for monthsI paid approx $to seven cornerNearly she was leaving she got swelling in legs and we visited general doctor and paid $After raising a claim and wait over months and spending lots of time in followup, finally my claim is denied saying pre-existing illnessI don't understand, how its pre-existing when she visited doctor only once that too after months almost when she as finally leaving from the countryI paid $+ $= $for nothingBig NO to seven cornerWorst service and you are good for nothingAnukool
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 as soon I receive the paymentI had been told by the company on several occasions about them sending me letters by mail, but actually never got oneI hope it will be different this time Regards, [redacted]
February 14, [redacted] Revdex.com N Delaware Street #Indianapolis IN 46204-RE: Complaint ID [redacted] Customer: [redacted] Certificate [redacted] Insured: [redacted] Policy Name: [redacted] Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number [redacted] and sent to the attention of Chelsi T [redacted] on February 1, 2017. The complainant, [redacted] ***, has expressed concerns with the handling of his wife’s travel medical insurance claims under the certificate # referenced aboveThis office has reviewed the file and the claim in question. The claims were denied under the exclusion in the policy for pre-existing conditions. This decision was made after medical review of the medical records received in connection with [redacted] ’s illness. We regret that Mr [redacted] is not happy with our customer service or claim handling. However, our records reflect extensive communications between our company and Mr [redacted] in efforts to explain our denial and assist him with his concerns. Please be advised that in response to this complaint, as well as a formal complaint that has been filed by Mr [redacted] with the California Department of Insurance, we will be undertaking a complete review of this file. Complete, detailed response to Mr***’s complaint with documentation will be sent to the California Department of Insurance by their deadline of March 1, 2016. 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.
Seven Corners, Incis in receipt of the rebuttal response to Complaint ID Number: [redacted] and sent to the attention of [redacted] on September 8, The complainant: [redacted] submitted copy of cancellation notice she received from travel provider: [redacted] on August 7, regarding the cancelled airfare reservations for [redacted] and [redacted] ***Per the complainant, Ms [redacted] , [redacted] sent copy of cancellation notice to Seven Corners, Incon August 7, This was not the case; Seven Corners, Increceived a copy of the cancellation document within the correspondence from the Revdex.com of Central Indiana on September 8, The document sender was: service@ [redacted] customercare.com and the recipients were listed as: [redacted] @msn.com; and [redacted] @tinleg.com Upon this office receiving the requested cancellation notice; claim payments have been processed for both insured parties [redacted] will receive settlement in the amount of $1,for claim number: [redacted] [redacted] will receive settlement in the amount of $1,for claim number [redacted] We trust that this proposed action will resolve Complaint ID Number: [redacted] We appreciate the opportunity to address the concerns of [redacted] Please contact this office should you have 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]
February 14, ? [redacted] Revdex.com N Delaware Street #Indianapolis IN? 46204-RE:? Complaint ID [redacted] ? ? ? ? ? ? ? Customer:? [redacted] ? ? ? ? ? ? ? Certificate [redacted] ? ? ? ? ? ? ? Insured:? [redacted] ? ? ? ? ? ? ? Policy Name:? [redacted] ? ? ? ? ? ? ? Dear Ms***: Seven Corners, Incis in receipt of Complaint ID Number [redacted] and sent to the attention of Chelsi T [redacted] on February 1, 2017.? The complainant, [redacted] ***, has expressed concerns with the handling of his wife’s travel medical insurance claims under the certificate # referenced aboveThis office has reviewed the file and the claim in question.? The claims were denied under the exclusion in the policy for pre-existing conditions.? This decision was made after medical review of the medical records received in connection with [redacted] ’s illness.? We regret that Mr [redacted] is not happy with our customer service or claim handling.? However, our records reflect extensive communications between our company and Mr [redacted] in efforts to explain our denial and assist him with his concerns.? Please be advised that in response to this complaint, as well as a formal complaint that has been filed by Mr [redacted] with the California Department of Insurance, we will be undertaking a complete review of this file.? Complete, detailed response to Mr***’s complaint with documentation will be sent to the California Department of Insurance by their deadline of March 1, 2016.? 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.? ? ? ? ?
Seven Corners, Incis in receipt of therequest to reopen complaint ID # [redacted] and sent to the attention of DennisW [redacted] on September 2, Thecomplainant, [redacted] , 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 [redacted] ’s refundwas being processed and he should receive the refund within to businessdaysUpon our receipt of Mr [redacted] ’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 [redacted] ’s credit card.Seven Corners apologizes for the delayand provides the information below from Mr [redacted] ’s travel provider:Dear MsJ [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 $would go back to thecustomer credit card - MasterCard ending with ***Given below is the proof of refund.Merchant DBA: onetravel.comAirline Tax&FeesMerchant ID: [redacted] Terminal ID: IndustryType: ECDate/Time: 09/02/201516:13:EDT Currency Code: USDCREDITEDCredit Card Type MasterCardCard Number XXXXXXXXXXXX*** Expiration Date [redacted] Amount 74.65Order ID # [redacted] Order Description 29302040,ONETRL,F,ADS,AMADEUSTransaction Date 09/02/201516:13:EDTTransaction Reference Number [TxRefNum] [redacted] 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 [redacted] Senior Manager - Customer ServiceAgain, Seven Corners apologizes forthe delay in processing Mr [redacted] ’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 [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 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 [redacted] to get some of the bills refunded, I am still waiting on others Regards, [redacted]
Seven Corners is in receipt of complaint # [redacted] , and sent to the attention of Dennis *** The complaint was filed by [redacted] who objects to the handling of his claimWe appreciate the opportunity to address the concerns of the complainant.Mr [redacted] purchased a Liaison Continent travel policy on January 8, During his trip, Mr [redacted] sought out medical care related to diabetes and hypertension at the Ella Family PracticeThe medical visit occurred on February 9, The insured party then submitted a medical expense claim to Seven Corners.On March 9, 2015, [redacted] sent an email to Seven Corners requesting to cancel the purchased Liaison Continent policy and refund him the premiumLater that same day, Mr [redacted] was sent notification via email that this office could not refund his premium because he filed a claim on policy number [redacted] The following policy language was included in the communication to the consumer (emphasis added):Part I - INDIVIDUAL INSURANCE PROVISIONSRefund of Premium/Cancellation"REFUND OF PREMIUM - Refund of total plan cost will only be considered if written request is received by Seven Corners prior to the Effective Date of CoverageIf written request is received after the Effective Date of coverage, the unused portion of the plan cost may be refunded minus a cancellation fee, provided no claim has been submitted to Seven Corners for reimbursement." This policy language is accessible by insured party prior to and at the time of purchase. In order for this office to appropriately evaluate [redacted] ***'s medical expense claim, Seven Corners proceeded to request medical records from Ella Family PracticeUpon our review of the medical documentation, it was determined the medical visit resulted from Mr***'s pre-existing medical conditionsHis presented claim was therefore ineligible for claim payment On April 9, 2015, notification of claim denial was mailed to Mr***.When we received Mr***'s Revdex.com complaint, we reevaluated his claimBased upon the presented documentation, we must affirm the previous claim denial and reiterate that the premium paid by Mr [redacted] is ineligible for reimbursement since a medical expense claim was presented for payment consideration.Policy Language which is pertinent to the denial of Mr***'s claim:PART IV - EXCLUSIONSMEDICAL BENEFIT EXCLUSIONSFor Medical benefits, this Insurance does not cover: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 citizen, 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 programAny exclusion specifically listed in Medical Benefits exclusions, through 40, will not receive benefits from this waiver.b) If you are a non-U.Scitizen 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 the limit as provided in the Acute Onset of a Pre-existing Condition(s) section of the Schedule of Benefits 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 programAny exclusion specifically listed in Medical Benefits exclusions, through 40, will not receive benefits from this waiver.PART III - DEFINITIONSThe term "Pre-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 [redacted] 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 months.The term "Acute Onset of a Pre-Existing Condition(s)" shall mean a sudden and unexpected outbreak or recurrence of a Pre-existing Condition(s) which occurs spontaneously and without advance warning either in the form of Physician recommendations or symptoms, is of short duration, is rapidly progressive, and requires urgent careThe Acute Onset of a Pre-existing Condition(s) must occur after the effective date of the policyTreatment must be obtained within hours of the sudden and unexpected outbreak or recurrenceA Pre-existing Condition that is a chronic or congenital condition or that gradually becomes worse over time will not be considered Acute OnsetThis 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 coverage.We hope this answers [redacted] ***'s concerns regarding his premium reimbursementShould you have further questions or need further clarification of the above, please do not hesitate to contact us
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.]I missed two days travelling to get to my final destination for vacationAlso I was taking my mother back home who is a senior Regards, [redacted]
Seven Corners, Incis in receipt of Complaint ID Number: [redacted] and sent to the attention of Dennis W [redacted] on August 26, Thecomplaint was filed by [redacted] and we appreciate the opportunity toaddress his concerns[redacted] purchased a Liaison International policy onApril 15, 2915, plan for coverage period: 4/21/to 5/7/On April 29,and April 30, 2015, [redacted] states one of his bags was lost at thehotel he was visiting and the following day Emirates Airlines lost a piece ofhis luggage.Mr [redacted] 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 [redacted] , 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( [redacted] ) 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[redacted] later submitted to this office, an emailfrom Emirates Baggage Services dated May 10, 2015, affirming that the airlineis tracing his baggageMr [redacted] noted the airline found his luggage May26, Per Mr [redacted] , 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 [redacted] to signUpon ourreceipt of that document, this office will proceed to issue payment direct to [redacted] in the amount of $and mail to his address of record.We hope this answers any outstanding questions in relationto [redacted] ’s claimIf you should have any further questions or needfurther clarification of the above, please do not hesitate to contact usEnclosure: General Release
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 was contacted by the insurance company on 11/29/two times to discuss my claimThey clearly have a disconnect amongst there organizationI would request that at this time my complaint be posted for those who may be shopping/investigating travel protection have an accurate picture of my experiencePlease respond if you would like copies of the emails for times when I had correspondence with the insurer 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.My address is: [redacted] (Seven Corners typed the address wronglyAlso, the country's name is [redacted] ) Thanks Regards, [redacted] ***
March 20, [redacted] Revdex.com N Delaware Street #Indianapolis IN 46204-RE: Complaint ID [redacted] Customer: [redacted] Certificate [redacted] Insured: [redacted] Policy Name: [redacted] Dear Ms***: Seven Corners, Incis in receipt of the rebuttal to Complaint ID Number [redacted] and sent to the attention of Chelsi T [redacted] on March 17, 2017. The complainant, [redacted] ***, has expressed additional concerns with the handling of his wife’s travel medical insurance claims under the certificate # referenced aboveAs advised in our response of February 14, a complete review of the file was undertaken in response to the formal complaint filed with the California Department of Insurance. A complete, detailed response was sent to the Department of Insurance. A detailed response was also sent to Mr [redacted] via email on March 3, and also mailed to him via U.SMail. This detailed response does address the questions that Mr [redacted] has expressed in his rebuttal. A copy of this response is attachedThank 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 [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 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: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, Inccan 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] ***
December 17, 2015Ms [redacted] Revdex.com Revdex.com of Central Indiana NDelaware StreetSuite # Indianapolis, IN 46204-RE: Complaint Number: [redacted] Complainant(s): [redacted] Certificate Number: [redacted] Dear Ms [redacted] :Thank you for your December 14, correspondence regarding the above-noted matter. The complainant, [redacted] , 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 [redacted] . 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 [redacted] purchased her flight fromOur records show that on October 24, 2015, Ms [redacted] purchased airfare for a scheduled trip from Pittsburgh, Pennsylvania to Manila, Philippines Per Ms [redacted] ’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 [redacted] ’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 [redacted] , and have determined that the response would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Please re-open complaint ID [redacted] as the company did not refund the amount based on the agreement I have called them and no one seems to know what I am talking about. I don't think they deserve a A+ rating. Thanks ***
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]
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.]I purchased the insurance in good faithI did not make a donation to the companyPeople purchas insurance to cover themselvesThe company did not provide any copy of their policy and coverage was assumed by me to be like any other insurance policyDue to the fact they did not disclose this information prior to the travel date , I feel justified in receiving my money based on the information I was givenThey did not make their policy known until I filed for a refund Regards, [redacted]