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!
Re: [redacted]
ID #[redacted]
Plan #
[redacted]Travel Insured International has agreed to refund the insurance premium in full ($150.00). Please allow 10-12 days for the check to arrive.Thank you.
The policy excludes losses due to pre-existing health conditions
and we needed medical information. The medical provider told us they
would only release medical information pursuant to an authorization signed by
the executor of the decedent’s estate. Upon further discussion...
the
provider has agreed to give us the medical records pursuant to the
authorization signed by the decedent’s son and the death certificate. We
sent those documents to the provider on 1/29/15 and told the insured the status
of their claim.
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.
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]they lied about the sales representative he did say it would be covered I do not have anything stating I have to be hospitalized [redacted] is not a condition that requires hospitalization you go back to your psych doctor for treatment I was also harassed by the representative she kept calling me I had to tell her to stop they just don't want to pay out my claim. I DO NOT AGREE WITH WHAT THEY SAID AND WILL TAKE IT TO THE HIGHEST COURTIF NECESSARY
Re:
[redacted]
ID #[redacted]
Plan #
[redacted]
The
insured
purchased a plan via the internet on 2/23/for travel dates
3/1/15-38/
Immediately
following the purchase of the insurance plan, the Certificate of Insurance and Confirmation
of Benefits were emailed to the insured at [redacted]
The certificate of insurance states: "Trip Cancellation:
Coverage begins at 12:a.mon the day after the date the appropriate premium
for this Policy for Your Trip is received by the Company or its authorized
representative prior to the scheduled departure time on the Scheduled Departure
Date of Your TripThis is Your "Effective Date" and time for Trip
Cancellation."
The effective date
of the insureds plan is 2/24/According to the cruise line, the insured
cancelled her cruise on 2/23/Since the cancellation was prior to the
coverage being in effect, benefits are not payable
We are not able to
locate any phone calls with the phone number providedIf the insured is able
to provide a date she contacted us and the phone number called from, we can
certainly look into her allegations further
The below was emailed to the Revdex.com on 1/31/18: 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...
concerns. Our 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 A. TRIP 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 14 days following Your Effective Date. Benefits 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. Based on the foregoing, no benefits for this Trip Cancellation are payable under the plan issued to the insured. We 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 $290 for themselves and $144 for their daughter’s plan, which represents the plan costs paid. The refund will be mailed to the insured.
Sickness of a family member is a covered reason for cancellation if it occurs before departure on your trip, requires medical treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a legally qualified physician, and prevents your participation in the...
trip. You cancelled your trip on 6/11/16 due to your husband having a seizure and not having a healthcare provider to care for him in your absence. Since there was no medical treatment at the time of cancellation, the sickness is not a covered reason for cancellation and benefits are not payable. Unfortunately not having a healthcare provider for your husband is not a covered reason for cancellation and benefits are not payable. We apologize for the delay in processing your claim. A formal denial letter has been mailed to you.
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]
The Cruise Terms and Conditions that were provided to you by the supplier indicate “*** coverage is 75% of the nonrefundable trip cost. Trip cancellation must be 48 hours or more prior to the scheduled departure…” Since you did not cancel your trip 48 hours or more prior to the scheduled...
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]
We have received the requested documentation and on October
23, 2015, we told Ms. [redacted] that we will pay her claim. A check for $500.0 will be mailed to her
today.
We sincerely apologize for any inconvenience this delay may
have caused.
NCL has confirmed that the $250 was for a good will credit. The policy reimburses your prepaid, unused, and non-refundable trip cost paid when prevented from taking your trip due to a covered reason. The policy does not reimburse credits or discounts applied to a booking. When the 2nd traveler cancelled their trip, the $250 credit that was applied to the booking was transferred to the 3rd traveler. The credit was used as the 3rd traveler went on the cruise.
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 concerns. Our 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 A. TRIP 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 14 days following Your Effective Date. Benefits 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 insured. We 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 $644 premium was issued on 2/12/18, which represents the plan cost paid.
January 22, 2016
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 $2 and is
covered for a maximum trip cost of $250. 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 purchased. When asked, the customer
acknowledged receipt of this document showing the $2 trip cost insured.
Therefore,
based on this information the maximum amount payable for the additional
transportation expenses under Trip Interruption is $375. Unfortunately, the customer is
not
eligible for further reimbursement.
We apologize for the miscommunication. Below is our response: The insured’s claim documents were received 12/2/15.
After review of the documentation additional documentation was requested from
the insured on 12/22/15. The policy reimburses for pre-paid unused expenses. Upon
receipt of all the required claim documentation, the claim was paid on 1/5/16. We regret there was a delay in processing
this claim due to an oversight.
Trip Cancellation benefits under her [redacted] Deluxe Ticket Protector Plan. Upon review of the
information...
provided we have determined that her claim is not payable.
Ms. [redacted]’s claim was first created on
August 18, 2014 due to employer termination. Claim 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 information. Under 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 team. She 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 initiated. Claims Analyst [redacted] contacted Ms. [redacted] on October 10, 2014 to discuss the reason for her claim.
She stated the event was canceled and she was taken off of the championship
team. Her dog was ill and so she canceled her trip. When the Analyst inquired
about the employment termination reason, Ms. [redacted] stated she chose to leave
her job due to unpleasant circumstances. Ms. [redacted] did not want to pursue her
claim under employer termination. Ms. [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 policy. She 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, 2014. 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 reason. Unfortunately, the illness of an animal is not a covered reason
for cancellation and was advised that was the reason for her denial. She was
encouraged to submit additional information if she felt our information was
incorrect.
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 reason. Do this sound right? I have contacted the company weeks ago to refund me $41 insurance charge, they have ignored my request. What they have advertised is false and misleading.
Sincerely,
[redacted]
[redacted]
I am rejecting this response because: The Plan/Policy #[redacted], a plan covered by the TRAVEL INSURED INTERNATIONAL, FOR TRIP DATE OF 11/27/2016 WITH INITIAL DEPOSIT DATED 04/16/2016, I have not received any payment of any sort for this claim. In fact, Kathy the company's representative is aware of this fact that the payment was never issued and to this day rejected for no obvious reason. Most likely, this company is confused with another claim or better yet, these are deceitful tactics they utilize to conveniently and in a self-serving fashion evade paying the claim. I HAVE EMAIL COMMUNICATIONS WITH THIS COMPANY TO THE FACT THAT THIS CLAIM WAS NOT PAID.If they have issued a check, this check was never cashed by me. If they issued a check this check MUST have a reference number to the policy number. Please provide a copy of this check.
Sincerely,
[redacted]
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 concerns. Our records indicate that the insureds...
incurred a travel delay on 9/7/17 and missed prepaid expenses as well as incurred additional expenses for accommodations. We received the initial claim documents on 10/02/17 and upon review determined that we needed additional documentation to confirm the length of the delay. Therefore on 10/27/17, a request was sent for the information needed to adjudicate the claim and such information was received that day. After review of the additional documentation, it was decided that there was still some clarification needed of the information provided. As a result, TII contacted the claimant on 10/27/17 and again on 11/16/17 in an effort to obtain the necessary information to allow us to adjudicate the claim in accordance with the terms and conditions of the plan. The final information was received on 12/14/17, the claim was approved and payment was made to the insured on 1/13/18 for the claimed amount. We apologize for the delay in processing and any frustration encountered but are happy that we were able to resolve the claim in favor of the insured.
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!
Re: [redacted]
ID #[redacted]
Plan #
[redacted]Travel Insured International has agreed to refund the insurance premium in full ($150.00). Please allow 10-12 days for the check to arrive.Thank you.
The policy excludes losses due to pre-existing health conditions
and we needed medical information. The medical provider told us they
would only release medical information pursuant to an authorization signed by
the executor of the decedent’s estate. Upon further discussion...
the
provider has agreed to give us the medical records pursuant to the
authorization signed by the decedent’s son and the death certificate. We
sent those documents to the provider on 1/29/15 and told the insured the status
of their claim.
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.
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]they lied about the sales representative he did say it would be covered I do not have anything stating I have to be hospitalized [redacted] is not a condition that requires hospitalization you go back to your psych doctor for treatment I was also harassed by the representative she kept calling me I had to tell her to stop they just don't want to pay out my claim. I DO NOT AGREE WITH WHAT THEY SAID AND WILL TAKE IT TO THE HIGHEST COURTIF NECESSARY
Re:
[redacted]
ID #[redacted]
Plan #
[redacted]
The
insured
purchased a plan via the internet on 2/23/for travel dates
3/1/15-38/
Immediately
following the purchase of the insurance plan, the Certificate of Insurance and Confirmation
of Benefits were emailed to the insured at [redacted]
The certificate of insurance states: "Trip Cancellation:
Coverage begins at 12:a.mon the day after the date the appropriate premium
for this Policy for Your Trip is received by the Company or its authorized
representative prior to the scheduled departure time on the Scheduled Departure
Date of Your TripThis is Your "Effective Date" and time for Trip
Cancellation."
The effective date
of the insureds plan is 2/24/According to the cruise line, the insured
cancelled her cruise on 2/23/Since the cancellation was prior to the
coverage being in effect, benefits are not payable
We are not able to
locate any phone calls with the phone number providedIf the insured is able
to provide a date she contacted us and the phone number called from, we can
certainly look into her allegations further
The below was emailed to the Revdex.com on 1/31/18: 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...
concerns. Our 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 A. TRIP 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 14 days following Your Effective Date. Benefits 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. Based on the foregoing, no benefits for this Trip Cancellation are payable under the plan issued to the insured. We 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 $290 for themselves and $144 for their daughter’s plan, which represents the plan costs paid. The refund will be mailed to the insured.
Sickness of a family member is a covered reason for cancellation if it occurs before departure on your trip, requires medical treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a legally qualified physician, and prevents your participation in the...
trip. You cancelled your trip on 6/11/16 due to your husband having a seizure and not having a healthcare provider to care for him in your absence. Since there was no medical treatment at the time of cancellation, the sickness is not a covered reason for cancellation and benefits are not payable. Unfortunately not having a healthcare provider for your husband is not a covered reason for cancellation and benefits are not payable. We apologize for the delay in processing your claim. A formal denial letter has been mailed to you.
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]
The Cruise Terms and Conditions that were provided to you by the supplier indicate “*** coverage is 75% of the nonrefundable trip cost. Trip cancellation must be 48 hours or more prior to the scheduled departure…” Since you did not cancel your trip 48 hours or more prior to the scheduled...
departure date, benefits are not payable.
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]
We have received the requested documentation and on October
23, 2015, we told Ms. [redacted] that we will pay her claim. A check for $500.0 will be mailed to her
today.
We sincerely apologize for any inconvenience this delay may
have caused.
NCL has confirmed that the $250 was for a good will credit. The policy reimburses your prepaid, unused, and non-refundable trip cost paid when prevented from taking your trip due to a covered reason. The policy does not reimburse credits or discounts applied to a booking. When the 2nd traveler cancelled their trip, the $250 credit that was applied to the booking was transferred to the 3rd traveler. The credit was used as the 3rd traveler went on the cruise.
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 concerns. Our 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 A. TRIP 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 14 days following Your Effective Date. Benefits 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 insured. We 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 $644 premium was issued on 2/12/18, which represents the plan cost paid.
January 22, 2016
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 $2 and is
covered for a maximum trip cost of $250. 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 purchased. When asked, the customer
acknowledged receipt of this document showing the $2 trip cost insured.
Therefore,
based on this information the maximum amount payable for the additional
transportation expenses under Trip Interruption is $375. Unfortunately, the customer is
not
eligible for further reimbursement.
We apologize for the miscommunication. Below is our response: The insured’s claim documents were received 12/2/15.
After review of the documentation additional documentation was requested from
the insured on 12/22/15. The policy reimburses for pre-paid unused expenses. Upon
receipt of all the required claim documentation, the claim was paid on 1/5/16. We regret there was a delay in processing
this claim due to an oversight.
December
29, 2014
Re: [redacted]
ID
#[redacted]
Plan
# [redacted]
Ms. [redacted] submitted a claim for
Trip Cancellation benefits under her [redacted] Deluxe Ticket Protector Plan. Upon review of the
information...
provided we have determined that her claim is not payable.
Ms. [redacted]’s claim was first created on
August 18, 2014 due to employer termination. Claim 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 information. Under 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 team. She 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 initiated. Claims Analyst [redacted] contacted Ms. [redacted] on October 10, 2014 to discuss the reason for her claim.
She stated the event was canceled and she was taken off of the championship
team. Her dog was ill and so she canceled her trip. When the Analyst inquired
about the employment termination reason, Ms. [redacted] stated she chose to leave
her job due to unpleasant circumstances. Ms. [redacted] did not want to pursue her
claim under employer termination. Ms. [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 policy. She 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, 2014. 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 reason. Unfortunately, the illness of an animal is not a covered reason
for cancellation and was advised that was the reason for her denial. She was
encouraged to submit additional information if she felt our information was
incorrect.
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 reason. Do this sound right? I have contacted the company weeks ago to refund me $41 insurance charge, they have ignored my request. What they have advertised is false and misleading.
Sincerely,
[redacted]
Complaint:...
[redacted]
I am rejecting this response because: The Plan/Policy #[redacted], a plan covered by the TRAVEL INSURED INTERNATIONAL, FOR TRIP DATE OF 11/27/2016 WITH INITIAL DEPOSIT DATED 04/16/2016, I have not received any payment of any sort for this claim. In fact, Kathy the company's representative is aware of this fact that the payment was never issued and to this day rejected for no obvious reason. Most likely, this company is confused with another claim or better yet, these are deceitful tactics they utilize to conveniently and in a self-serving fashion evade paying the claim. I HAVE EMAIL COMMUNICATIONS WITH THIS COMPANY TO THE FACT THAT THIS CLAIM WAS NOT PAID.If they have issued a check, this check was never cashed by me. If they issued a check this check MUST have a reference number to the policy number. Please provide a copy of this check.
Sincerely,
[redacted]
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 concerns. Our records indicate that the insureds...
incurred a travel delay on 9/7/17 and missed prepaid expenses as well as incurred additional expenses for accommodations. We received the initial claim documents on 10/02/17 and upon review determined that we needed additional documentation to confirm the length of the delay. Therefore on 10/27/17, a request was sent for the information needed to adjudicate the claim and such information was received that day. After review of the additional documentation, it was decided that there was still some clarification needed of the information provided. As a result, TII contacted the claimant on 10/27/17 and again on 11/16/17 in an effort to obtain the necessary information to allow us to adjudicate the claim in accordance with the terms and conditions of the plan. The final information was received on 12/14/17, the claim was approved and payment was made to the insured on 1/13/18 for the claimed amount. We apologize for the delay in processing and any frustration encountered but are happy that we were able to resolve the claim in favor of the insured.