Sickness is a covered reason for cancellation if it necessitates medical treatment at the time of cancellation and results in medically imposed restrictions as certified by a legally qualified physician The insured submitted his claim with no medical documentation Our office requested to have the Physician that was indicated on the trip cancellation claim form to complete the required form on the insured’s behalf The Physician advised they did not treat the patient at time when Insured cancelled the trip We asked the Insured to provide our office with an updated patient planholder’s statement listing the doctor(s) who treated the patient at time of cancellation and the insured advised he will forward this additional documentation to us To date, we have not received anything additional
The Cancel for Any Reason benefit provides reimbursement if the plan is purchased within days of the deposit for the trip or full trip payment The plan was purchased via the website [redacted] The website states the Cancel for Any Reason coverage is available if you purchase your plan within days after making your initial trip payment If you enter in a date of deposit more than days prior, the website states that the coverage is not available The date of deposit on the application entered was 12/14/ Upon review of the claim, the actual deposit date was 11/17/14, disqualifying the Cancel for Any Reason coverage The reason for cancellation is unfortunately not a covered reason under the plan; therefore, no benefits are payable
The policy requires the filing of a loss report with the authoritiesThe insured did not file a report and under the circumstances he described, we will pay his claim The policy pays for the actual cash value (cost less proper deduction for depreciation) at the time of loss, up to $per itemThe insured stated that the lost items cost $and $Since he did not have proof of those payments we applied a 50% depreciation factor If the insured provides receipts, we will adjust the claim payment
Complaint: [redacted] I am rejecting this response because: as I said before.........trickery was involved......have you read the contract............first I thought I was dealing with a respectable insurance, and found out it was sold to another one......how was I supposed to know that ? this outfit has found ways of not responding to their responsibilities......can you possibly see that ? where does a customer goes from there ? their computer advertisement sure does not mention ANY OTHERS insurance participation..........there are several complaints about this insurance on the internet...can they be stopped ? (wish I had seen those before) do I need a counselor to help ? funds are limited for that......please advise Sincerely, [redacted]
January 22, Complaint ID [redacted] The customer submitted a claim for Trip Interruption benefits under the Worldwide Trip Protector Plan The trip interruption benefit reimburses up to 150% of the total amount of coverage purchased Per the confirmation of benefits the customer insured a trip cost of $and is covered for a maximum trip cost of $ The plan was purchased by the customer online through [redacted] The confirmation of benefits was sent to the customer the same day the plan was purchasedWhen asked, the customer acknowledged receipt of this document showing the $trip cost insured Therefore, based on this information the maximum amount payable for the additional transportation expenses under Trip Interruption is $Unfortunately, the customer is not eligible for further reimbursement
The policy excludes losses due to pre-existing health conditions; however, that exclusion does not apply if the loss is due to death ensuing from a pre-existing conditionOur claim analyst overlooked this distinction and we apologize for any inconvenience we may have caused We will send a check for $to the insured tomorrow
Complaint: [redacted] I am rejecting this response because: The isurance plan is for "trip cancellation" as it stated in the response letter, but the company claimed "cancellation" is not a covered reasonDo this sound right? I have contacted the company weeks ago to refund me $insurance charge, they have ignored my requestWhat they have advertised is and misleading Sincerely, [redacted] ***
Travel Insured International (TII), is the claims administrator for the travel plan that includes short-term travel insurance benefits underwritten by [redacted] , and we appreciate the opportunity to address the insureds concernsOur records indicate that the insured purchased their travel arrangements and obtained their travel protection plan, the [redacted] directly from a [redacted] travel agency/tour operator, [redacted] In their complaint, the insured is requesting reimbursement for the trip purchased because it was cancelled due to the fact that [redacted] has apparently ceased all of its operations and they have submitted a claim under the [redacted] plan for reimbursement As we will explain in more detail below, a trip cancellation that was caused due to [redacted] ceasing its operations is not an eligible covered reason under the plan issued to the insured The [redacted] plan provides Trip Cancellation benefits when the trip is cancelled due to a covered reason as defined in the plan The [redacted] plan reads, in its applicable part that: COVERAGE ATRIP CANCELLATION “Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments You paid for the Travel Arrangements when You are prevented from taking Your Trip due to “Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than days following Your Effective DateBenefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available.” As noted above, the insured purchased coverage from [redacted] Per the plan language quoted above, a trip cancellation caused by the Bankruptcy or Default of the travel agency or tour operator from whom coverage was purchased is not covered under the plan Please note that the plan purchased does provide coverage for the reissue fee charged by the airlines as defined in the Trip Cancellation provision which states: “If Your Travel Supplier cancels Your Trip, a benefit will be paid for the reissue fee charged by the airline for the tickets” However, since the airline tickets were not issued they are unable to be changed and therefore benefits are not payable Based on the foregoing, no benefits for this Trip Cancellation are payable under the plan issued to the insuredWe are sorry for the disappointing situation that has occurred as a result of the actions of [redacted] and that the claimant was not satisfied with the outcome of the claim However, we, as claims administrator, are required to adjudicate all claims in accordance with the terms and conditions of the applicable plan As an accommodation, we are willing to provide the insured with a refund for the travel protection plan purchased in connection with their trip in the amount of $522, which represents the plan cost paidThe refund will be mailed to the insured
The plan purchased provides benefits for trip cancellation and/or trip interruption if a terrorist incident occurs in a city listed on the itinerary of the covered trip and within days prior to the scheduled departure dateThe terrorist incident must occur after the effective date of the trip cancellation coverage The policy defines a terrorist incident as an incident deemed an act of terrorism by the U.SGovernment Although [redacted] itself is named a terrorist group, the U.SGovernment has not deemed any of the events as terrorist incidents The option cancel for any reason benefit was purchased, but interrupt for any reason is not an optionIn order to qualify for benefits under the cancel for any reason, the insured must be prevented from departing for the covered trip for all reasons up to hours prior to departureSince the insured already departed on her trip, this benefit is not applicable
Thank you for the opportunity to review the documentation again On 2/15/we received confirmation from the insured’s travel agent that the hotel in [redacted] did not offer a refund for the first night and also charged her for the last night Therefore, we can pay for those charges under the Travel Delay benefit, but not to exceed $per person Accordingly, tomorrow we will send the insured a check for $
December 29, Re: [redacted] ID # [redacted] Plan # [redacted] Ms [redacted] submitted a claim for Trip Cancellation benefits under her [redacted] Deluxe Ticket Protector PlanUpon review of the information provided we have determined that her claim is not payable Ms [redacted] ’s claim was first created on August 18, due to employer terminationClaim forms were then emailed the same day as there is coverage if the insured is prevented from taking or continuing the covered trip if the insured's or insured’s traveling companion are laid off from employment On October 2, 2014, we received her claim forms along with the supporting informationUnder the brief explanation for the circumstances of Ms [redacted] ’s claim, she indicated she canceled her trip due to the illness of her teammate canine and removed from the world championship teamShe also indicated her canine is a registered emotional support animal that without it she cannot fly This reason was not consistent with the one provided when her claim was first initiatedClaims Analyst [redacted] *** contacted Ms [redacted] on October 10, to discuss the reason for her claim She stated the event was canceled and she was taken off of the championship teamHer dog was ill and so she canceled her tripWhen the Analyst inquired about the employment termination reason, Ms [redacted] stated she chose to leave her job due to unpleasant circumstancesMs [redacted] did not want to pursue her claim under employer terminationMs [redacted] was then advised there were covered reasons for cancellation under her policy and an illness of her canine is not a covered traveling companion as defined in the policyShe responded that she would be contacting her lawyer and will continue to pursue the appeal until the claim is paid A copy of her policy along with her original declination letter was emailed to her by the Analyst on December 18, The Analyst pointed out that the policy’s document lists the covered reasons for Trip Cancellation and the policy’s definition of a traveling companion means a person She was advised her canine traveling companion, even though it was an emotional support animal, is not a covered reasonUnfortunately, the illness of an animal is not a covered reason for cancellation and was advised that was the reason for her denialShe was encouraged to submit additional information if she felt our information was incorrect
Travel Insured International (TII), is the claims administrator for the travel plan that includes short-term travel insurance benefits underwritten by United States Fire Insurance Company, and we appreciate the opportunity to address the insureds concernsOur records indicate that the insured purchased their travel arrangements and obtained their travel protection plan, the [redacted] directly from a [redacted] travel agency/tour operator, [redacted] In their complaint, the insured is requesting reimbursement for the trip purchased because it was cancelled due to the fact that Legendary Tours has apparently ceased all of its operations and they have submitted a claim under the [redacted] plan for reimbursement As we will explain in more detail below, a trip cancellation that was caused due to [redacted] ceasing its operations is not an eligible covered reason under the plan issued to the insured The [redacted] plan provides Trip Cancellation benefits when the trip is cancelled due to a covered reason as defined in the plan The [redacted] plan reads, in its applicable part that: COVERAGE ATRIP CANCELLATION “Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments You paid for the Travel Arrangements when You are prevented from taking Your Trip due to “Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than days following Your Effective DateBenefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available.” As noted above, the insured purchased travel arrangements from [redacted] Per the plan language quoted above, a trip cancellation caused by the Bankruptcy or Default of the travel agency or tour operator from whom travel arrangements were purchased is not covered under the plan Based on the foregoing, no benefits for this Trip Cancellation are payable under the plan issued to the insuredWe are sorry for the disappointing situation that has occurred as a result of the actions of [redacted] ; however, we, as claims administrator, are required to adjudicate all claims in accordance with the terms and conditions of the applicable plan A refund of the $premium was issued on 2/12/18, which represents the plan cost paid
Our initial determination was based on the information the insured entered on the applications for insurance Upon further review it appears there was no intention to misrepresent and we have given the insured the benefit of the doubt and paid the claim in full
Thank you for your 8/18/17, correspondence regarding this claim The travel protection plan includes insurance coverage underwritten by United States Fire Insurance Company Travel Insured International (TII) is the claims administrator for the travel protection plan Our records indicate that the claimant purchased a Travel Plan that included a Trip Cancellation benefit that they upgraded to be payable for Cancellation for Any Reason The Trip Cancellation benefit reimburses up to the maximum benefit amount shown on the schedule of benefits for the published penalties and unused non- refundable prepaid payments or deposits paid for Travel Arrangements According to our records, the insured and his traveling companion paid a total of $which included the trip cost as well as the $cost of the travel protection plan The travel supplier provided a refund in the amount of $2,Therefore the unused non-refunded portion of the payments or deposits made was the remaining $1, The $cost of the travel protection plan is not refundable and therefore the travel supplier indicated that the published penalties totaled $We reimbursed the claimant $in accordance with the terms, conditions, and limitations of their plan on 8/10/
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] *** Thanks to you for your help!
The insured’s plan provides benefits for Trip Cancellation and Travel Delay for listed covered reasonsThe airlines cancelling and/or changing the itinerary on a flight prior to the departure date is not a covered reason and benefits are not payable The airline refusing to use the return portion of the itinerary is not a covered reason under any benefit in the policy; therefore, the new ticket the insured purchased to return home is not refundable The declination letter was mailed to the insured on 3/22/The claim was closed on 3/29/Tell us why here
Travel Insured International (TII), is the claims administrator for the travel plan that includes short-term travel insurance benefits underwritten by [redacted] , and we appreciate the opportunity to address the insureds concernsOur records indicate that the insured purchased their travel arrangements and obtained their travel protection plan, the [redacted] directly from a [redacted] travel agency/tour operator, [redacted] In their complaint, the insured is requesting reimbursement for the trip purchased because it was cancelled due to the fact that [redacted] has apparently ceased all of its operations and they have submitted a claim under the [redacted] plan for reimbursement As we will explain in more detail below, a trip cancellation that was caused due to [redacted] ceasing its operations is not an eligible covered reason under the plan issued to the insured The [redacted] plan provides Trip Cancellation benefits when the trip is cancelled due to a covered reason as defined in the plan The [redacted] plan reads, in its applicable part that: COVERAGE ATRIP CANCELLATION “Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments You paid for the Travel Arrangements when You are prevented from taking Your Trip due to “Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than days following Your Effective DateBenefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available.” As noted above, the insured purchased coverage from [redacted] Per the plan language quoted above, a trip cancellation caused by the Bankruptcy or Default of the travel agency or tour operator from whom coverage was purchased is not covered under the plan Please note that the plan purchased does provide coverage for the reissue fee charged by the airlines as defined in the Trip Cancellation provision which states: “If Your Travel Supplier cancels Your Trip, a benefit will be paid for the reissue fee charged by the airline for the tickets” However, since the airline tickets were not issued they are unable to be changed and therefore benefits are not payable Based on the foregoing, no benefits for this Trip Cancellation are payable under the plan issued to the insuredWe are sorry for the disappointing situation that has occurred as a result of the actions of [redacted] and that the claimant was not satisfied with the outcome of the claim However, we, as claims administrator, are required to adjudicate all claims in accordance with the terms and conditions of the applicable plan As an accommodation, we are willing to provide the insured with a refund for the travel protection plan purchased in connection with their trip in the amount of $432, which represents the plan cost paidThe refund will be mailed to the insured
The insured cancelled her trip due to a mental or nervous condition Benefits are not payable for any loss due to, arising or resulting from a mental or nervous condition, unless hospitalized for that condition while the policy is in effect for you We did not receive any documentation showing she was hospitalized for the condition while the policy was in effect; therefore, benefits are not payable The policy was sent to the insured immediately upon purchaseIf the insured was not satisfied with the policy for any reason she could have cancelled the policy within days of purchase and received a full refund of premium Unfortunately the sales call was not recorded; however, the representative that the insured spoke to is a senior representative and is aware that [redacted] is not covered unless hospitalizedAt the time the insured contacted us to notify us of the claim, she had already cancelled the trip and she was not advised it was a covered reason for cancellation
Cancellation due to a travel alert is not a covered reason under the insured’s plan; therefore, benefits are not payable On 1/28/we were advised the insured change the destination of their tripIf the insured incurred a fee to change their air itinerary, they are eligible for up to $per person under the change fee benefit
Sickness is a covered reason for cancellation if it necessitates medical treatment at the time of cancellation and results in medically imposed restrictions as certified by a legally qualified physician The insured submitted his claim with no medical documentation Our office requested to have the Physician that was indicated on the trip cancellation claim form to complete the required form on the insured’s behalf The Physician advised they did not treat the patient at time when Insured cancelled the trip We asked the Insured to provide our office with an updated patient planholder’s statement listing the doctor(s) who treated the patient at time of cancellation and the insured advised he will forward this additional documentation to us To date, we have not received anything additional
The Cancel for Any Reason benefit provides reimbursement if the plan is purchased within days of the deposit for the trip or full trip payment The plan was purchased via the website [redacted] The website states the Cancel for Any Reason coverage is available if you purchase your plan within days after making your initial trip payment If you enter in a date of deposit more than days prior, the website states that the coverage is not available The date of deposit on the application entered was 12/14/ Upon review of the claim, the actual deposit date was 11/17/14, disqualifying the Cancel for Any Reason coverage The reason for cancellation is unfortunately not a covered reason under the plan; therefore, no benefits are payable
The policy requires the filing of a loss report with the authoritiesThe insured did not file a report and under the circumstances he described, we will pay his claim The policy pays for the actual cash value (cost less proper deduction for depreciation) at the time of loss, up to $per itemThe insured stated that the lost items cost $and $Since he did not have proof of those payments we applied a 50% depreciation factor If the insured provides receipts, we will adjust the claim payment
Complaint: [redacted] I am rejecting this response because: as I said before.........trickery was involved......have you read the contract............first I thought I was dealing with a respectable insurance, and found out it was sold to another one......how was I supposed to know that ? this outfit has found ways of not responding to their responsibilities......can you possibly see that ? where does a customer goes from there ? their computer advertisement sure does not mention ANY OTHERS insurance participation..........there are several complaints about this insurance on the internet...can they be stopped ? (wish I had seen those before) do I need a counselor to help ? funds are limited for that......please advise Sincerely, [redacted]
January 22, Complaint ID [redacted] The customer submitted a claim for Trip Interruption benefits under the Worldwide Trip Protector Plan The trip interruption benefit reimburses up to 150% of the total amount of coverage purchased Per the confirmation of benefits the customer insured a trip cost of $and is covered for a maximum trip cost of $ The plan was purchased by the customer online through [redacted] The confirmation of benefits was sent to the customer the same day the plan was purchasedWhen asked, the customer acknowledged receipt of this document showing the $trip cost insured Therefore, based on this information the maximum amount payable for the additional transportation expenses under Trip Interruption is $Unfortunately, the customer is not eligible for further reimbursement
The policy excludes losses due to pre-existing health conditions; however, that exclusion does not apply if the loss is due to death ensuing from a pre-existing conditionOur claim analyst overlooked this distinction and we apologize for any inconvenience we may have caused We will send a check for $to the insured tomorrow
Complaint: [redacted] I am rejecting this response because: The isurance plan is for "trip cancellation" as it stated in the response letter, but the company claimed "cancellation" is not a covered reasonDo this sound right? I have contacted the company weeks ago to refund me $insurance charge, they have ignored my requestWhat they have advertised is and misleading Sincerely, [redacted] ***
We apologize for the miss-communication and inconvenienceAfter additional clarification was received, we completed the claim review on 5/24/
Travel Insured International (TII), is the claims administrator for the travel plan that includes short-term travel insurance benefits underwritten by [redacted] , and we appreciate the opportunity to address the insureds concernsOur records indicate that the insured purchased their travel arrangements and obtained their travel protection plan, the [redacted] directly from a [redacted] travel agency/tour operator, [redacted] In their complaint, the insured is requesting reimbursement for the trip purchased because it was cancelled due to the fact that [redacted] has apparently ceased all of its operations and they have submitted a claim under the [redacted] plan for reimbursement As we will explain in more detail below, a trip cancellation that was caused due to [redacted] ceasing its operations is not an eligible covered reason under the plan issued to the insured The [redacted] plan provides Trip Cancellation benefits when the trip is cancelled due to a covered reason as defined in the plan The [redacted] plan reads, in its applicable part that: COVERAGE ATRIP CANCELLATION “Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments You paid for the Travel Arrangements when You are prevented from taking Your Trip due to “Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than days following Your Effective DateBenefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available.” As noted above, the insured purchased coverage from [redacted] Per the plan language quoted above, a trip cancellation caused by the Bankruptcy or Default of the travel agency or tour operator from whom coverage was purchased is not covered under the plan Please note that the plan purchased does provide coverage for the reissue fee charged by the airlines as defined in the Trip Cancellation provision which states: “If Your Travel Supplier cancels Your Trip, a benefit will be paid for the reissue fee charged by the airline for the tickets” However, since the airline tickets were not issued they are unable to be changed and therefore benefits are not payable Based on the foregoing, no benefits for this Trip Cancellation are payable under the plan issued to the insuredWe are sorry for the disappointing situation that has occurred as a result of the actions of [redacted] and that the claimant was not satisfied with the outcome of the claim However, we, as claims administrator, are required to adjudicate all claims in accordance with the terms and conditions of the applicable plan As an accommodation, we are willing to provide the insured with a refund for the travel protection plan purchased in connection with their trip in the amount of $522, which represents the plan cost paidThe refund will be mailed to the insured
The plan purchased provides benefits for trip cancellation and/or trip interruption if a terrorist incident occurs in a city listed on the itinerary of the covered trip and within days prior to the scheduled departure dateThe terrorist incident must occur after the effective date of the trip cancellation coverage The policy defines a terrorist incident as an incident deemed an act of terrorism by the U.SGovernment Although [redacted] itself is named a terrorist group, the U.SGovernment has not deemed any of the events as terrorist incidents The option cancel for any reason benefit was purchased, but interrupt for any reason is not an optionIn order to qualify for benefits under the cancel for any reason, the insured must be prevented from departing for the covered trip for all reasons up to hours prior to departureSince the insured already departed on her trip, this benefit is not applicable
Thank you for the opportunity to review the documentation again On 2/15/we received confirmation from the insured’s travel agent that the hotel in [redacted] did not offer a refund for the first night and also charged her for the last night Therefore, we can pay for those charges under the Travel Delay benefit, but not to exceed $per person Accordingly, tomorrow we will send the insured a check for $
December 29, Re: [redacted] ID # [redacted] Plan # [redacted] Ms [redacted] submitted a claim for Trip Cancellation benefits under her [redacted] Deluxe Ticket Protector PlanUpon review of the information provided we have determined that her claim is not payable Ms [redacted] ’s claim was first created on August 18, due to employer terminationClaim forms were then emailed the same day as there is coverage if the insured is prevented from taking or continuing the covered trip if the insured's or insured’s traveling companion are laid off from employment On October 2, 2014, we received her claim forms along with the supporting informationUnder the brief explanation for the circumstances of Ms [redacted] ’s claim, she indicated she canceled her trip due to the illness of her teammate canine and removed from the world championship teamShe also indicated her canine is a registered emotional support animal that without it she cannot fly This reason was not consistent with the one provided when her claim was first initiatedClaims Analyst [redacted] *** contacted Ms [redacted] on October 10, to discuss the reason for her claim She stated the event was canceled and she was taken off of the championship teamHer dog was ill and so she canceled her tripWhen the Analyst inquired about the employment termination reason, Ms [redacted] stated she chose to leave her job due to unpleasant circumstancesMs [redacted] did not want to pursue her claim under employer terminationMs [redacted] was then advised there were covered reasons for cancellation under her policy and an illness of her canine is not a covered traveling companion as defined in the policyShe responded that she would be contacting her lawyer and will continue to pursue the appeal until the claim is paid A copy of her policy along with her original declination letter was emailed to her by the Analyst on December 18, The Analyst pointed out that the policy’s document lists the covered reasons for Trip Cancellation and the policy’s definition of a traveling companion means a person She was advised her canine traveling companion, even though it was an emotional support animal, is not a covered reasonUnfortunately, the illness of an animal is not a covered reason for cancellation and was advised that was the reason for her denialShe was encouraged to submit additional information if she felt our information was incorrect
Travel Insured International (TII), is the claims administrator for the travel plan that includes short-term travel insurance benefits underwritten by United States Fire Insurance Company, and we appreciate the opportunity to address the insureds concernsOur records indicate that the insured purchased their travel arrangements and obtained their travel protection plan, the [redacted] directly from a [redacted] travel agency/tour operator, [redacted] In their complaint, the insured is requesting reimbursement for the trip purchased because it was cancelled due to the fact that Legendary Tours has apparently ceased all of its operations and they have submitted a claim under the [redacted] plan for reimbursement As we will explain in more detail below, a trip cancellation that was caused due to [redacted] ceasing its operations is not an eligible covered reason under the plan issued to the insured The [redacted] plan provides Trip Cancellation benefits when the trip is cancelled due to a covered reason as defined in the plan The [redacted] plan reads, in its applicable part that: COVERAGE ATRIP CANCELLATION “Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments You paid for the Travel Arrangements when You are prevented from taking Your Trip due to “Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than days following Your Effective DateBenefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available.” As noted above, the insured purchased travel arrangements from [redacted] Per the plan language quoted above, a trip cancellation caused by the Bankruptcy or Default of the travel agency or tour operator from whom travel arrangements were purchased is not covered under the plan Based on the foregoing, no benefits for this Trip Cancellation are payable under the plan issued to the insuredWe are sorry for the disappointing situation that has occurred as a result of the actions of [redacted] ; however, we, as claims administrator, are required to adjudicate all claims in accordance with the terms and conditions of the applicable plan A refund of the $premium was issued on 2/12/18, which represents the plan cost paid
Our initial determination was based on the information the insured entered on the applications for insurance Upon further review it appears there was no intention to misrepresent and we have given the insured the benefit of the doubt and paid the claim in full
Thank you for your 8/18/17, correspondence regarding this claim The travel protection plan includes insurance coverage underwritten by United States Fire Insurance Company Travel Insured International (TII) is the claims administrator for the travel protection plan Our records indicate that the claimant purchased a Travel Plan that included a Trip Cancellation benefit that they upgraded to be payable for Cancellation for Any Reason The Trip Cancellation benefit reimburses up to the maximum benefit amount shown on the schedule of benefits for the published penalties and unused non- refundable prepaid payments or deposits paid for Travel Arrangements According to our records, the insured and his traveling companion paid a total of $which included the trip cost as well as the $cost of the travel protection plan The travel supplier provided a refund in the amount of $2,Therefore the unused non-refunded portion of the payments or deposits made was the remaining $1, The $cost of the travel protection plan is not refundable and therefore the travel supplier indicated that the published penalties totaled $We reimbursed the claimant $in accordance with the terms, conditions, and limitations of their plan on 8/10/
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] *** Thanks to you for your help!
The insured’s plan provides benefits for Trip Cancellation and Travel Delay for listed covered reasonsThe airlines cancelling and/or changing the itinerary on a flight prior to the departure date is not a covered reason and benefits are not payable The airline refusing to use the return portion of the itinerary is not a covered reason under any benefit in the policy; therefore, the new ticket the insured purchased to return home is not refundable The declination letter was mailed to the insured on 3/22/The claim was closed on 3/29/Tell us why here
Travel Insured International (TII), is the claims administrator for the travel plan that includes short-term travel insurance benefits underwritten by [redacted] , and we appreciate the opportunity to address the insureds concernsOur records indicate that the insured purchased their travel arrangements and obtained their travel protection plan, the [redacted] directly from a [redacted] travel agency/tour operator, [redacted] In their complaint, the insured is requesting reimbursement for the trip purchased because it was cancelled due to the fact that [redacted] has apparently ceased all of its operations and they have submitted a claim under the [redacted] plan for reimbursement As we will explain in more detail below, a trip cancellation that was caused due to [redacted] ceasing its operations is not an eligible covered reason under the plan issued to the insured The [redacted] plan provides Trip Cancellation benefits when the trip is cancelled due to a covered reason as defined in the plan The [redacted] plan reads, in its applicable part that: COVERAGE ATRIP CANCELLATION “Benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, to reimburse You for the amount of the Published Penalties and unused non-refundable Prepaid Payments You paid for the Travel Arrangements when You are prevented from taking Your Trip due to “Bankruptcy or Default of an airline, cruise line, tour operator or other travel provider (other than the Travel Supplier, tour operator, travel agency, organization or firm from whom You purchased Your Travel Arrangements) causing a complete cessation of travel services more than days following Your Effective DateBenefits will be paid due to Bankruptcy or Default of an airline only if no alternate transportation is available.” As noted above, the insured purchased coverage from [redacted] Per the plan language quoted above, a trip cancellation caused by the Bankruptcy or Default of the travel agency or tour operator from whom coverage was purchased is not covered under the plan Please note that the plan purchased does provide coverage for the reissue fee charged by the airlines as defined in the Trip Cancellation provision which states: “If Your Travel Supplier cancels Your Trip, a benefit will be paid for the reissue fee charged by the airline for the tickets” However, since the airline tickets were not issued they are unable to be changed and therefore benefits are not payable Based on the foregoing, no benefits for this Trip Cancellation are payable under the plan issued to the insuredWe are sorry for the disappointing situation that has occurred as a result of the actions of [redacted] and that the claimant was not satisfied with the outcome of the claim However, we, as claims administrator, are required to adjudicate all claims in accordance with the terms and conditions of the applicable plan As an accommodation, we are willing to provide the insured with a refund for the travel protection plan purchased in connection with their trip in the amount of $432, which represents the plan cost paidThe refund will be mailed to the insured
The insured cancelled her trip due to a mental or nervous condition Benefits are not payable for any loss due to, arising or resulting from a mental or nervous condition, unless hospitalized for that condition while the policy is in effect for you We did not receive any documentation showing she was hospitalized for the condition while the policy was in effect; therefore, benefits are not payable The policy was sent to the insured immediately upon purchaseIf the insured was not satisfied with the policy for any reason she could have cancelled the policy within days of purchase and received a full refund of premium Unfortunately the sales call was not recorded; however, the representative that the insured spoke to is a senior representative and is aware that [redacted] is not covered unless hospitalizedAt the time the insured contacted us to notify us of the claim, she had already cancelled the trip and she was not advised it was a covered reason for cancellation
Cancellation due to a travel alert is not a covered reason under the insured’s plan; therefore, benefits are not payable On 1/28/we were advised the insured change the destination of their tripIf the insured incurred a fee to change their air itinerary, they are eligible for up to $per person under the change fee benefit