The insured’s plan provides benefits for Trip Cancellation and Travel Delay for listed covered reasons. The 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 3/22/16. The claim was closed on 3/29/16. Tell us why here...
The insured called our call center on
November 5, 2014, and applied for the policy.
She told our customer service representative (CSR) that she was
concerned about her mother’s health. Our
CSR explained the pre-existing condition exclusion, namely, that the policy
would not...
cover any condition for which medical care, treatment or advice was
given within the 60 day period immediately prior to the effective date of
coverage (11/6/14). Our CSR also
discussed the 14 day free look.
The insured called our call center on
November 15, 2014, and spoke to a different CSR and explained that her fiancé
was ill and she needed to either request a premium refund or file a claim for
trip cancellation. The CSR told her that a fiancé is covered.
0ur claims department declined the
claim explaining that a fiancé was not a covered family member. The
medical report from the fiancé attending physician showed there was medical treatment
in October, 2104 and the claim was declined pursuant to the pre-existing
condition exclusion.
Since the insured called us within
the 14 day free look period and expressed an interest in the premium refund if
the claim was not payable, we will issue a credit to her credit card for a full
refund of premium.
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 $3408 which included the trip cost as well as the $680 cost of the travel protection plan. The travel supplier provided a refund in the amount of $2,228.00. Therefore the unused non-refunded portion of the payments or deposits made was the remaining $1,180. The $680 cost of the travel protection plan is not refundable and therefore the travel supplier indicated that the published penalties totaled $500. We reimbursed the claimant $500 in accordance with the terms, conditions, and limitations of their plan on 8/10/17.
The plan was purchased by the customer online through
[redacted]. The customer confirmed she purchased the policy
herself online as well as confirmed receiving the confirmation of benefits provided
to her that clearly displayed her trip cost insured of $2.
The trip interruption benefit
reimburses up to 150% of the
total amount of coverage purchased. Since
the policy is banded from $1- $250, we reimbursed the insured $375 for the
expenses incurred for the trip interruption (150% of $250). We reviewed
the claim in accordance to the terms of the plan. Unfortunately, the customer
is not eligible for further reimbursement.
Federal financial privacy laws (Reg. P) prohibit credit card issuers from sharing their customers’ personal and payment information with third parties. We have confirmed with our Accounting Department that we have only charged the insured once for $310. If the insured will submit documentation confirming her allegations of being charged twice, we can review further.
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]
The insured cancelled his trip due to illness and filed a claim for trip cancellation benefits. On January 23rd, 2017, the insured called in with questions about the pricing of policies. Our Customer Care Representative (CSR) quoted prices for several policies and he (the Customer) said he was...
reviewing policies online and was interested in a policy for $32. Our CSR advised that we have a Lite policy with a $0 trip cost for $31. The CSR explained the coverage and clearly told him his trip cost would not be covered under this policy and he agreed to purchase this policy. The Confirmation of Benefit and policy were emailed to the insured immediately upon purchase. The Policy has a Fourteen Day Look that gave the insured a right to cancel the policy and request a premium refund if he was unsatisfied with the policy for any reason. That right was not exercised within the required time frame. The Schedule of Benefits in the policy states the Maximum Limit for Trip Cancellation is the Trip Cost* (Not applicable when $0 Trip Cost displayed on Your Confirmation of Benefits) Since the Trip Cost displayed on the Confirmation of Benefits is $0, the Trip Cancellation benefit is not applicable and no benefit is payable.
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 30 days prior to the scheduled departure date. The 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.S. Government.
Although
[redacted] itself is named a terrorist group, the U.S. Government 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 option. In 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 48 hours prior to departure. Since the insured already
departed on her trip, this benefit is not applicable.
Complaint: [redacted]
You are correct, that is in the brochure and I had just failed to read that part. Based on that I guess you can close the claim - BUT the claim is not resolved. How did I know in June that I would change my mind in July? I paid for a trip that I did not take. You were notified BEFORE the trip that I was not going so I still, and always will, feel I'm due my money back. GOODBYE
Sincerely,
[redacted]
[redacted]. Upon review of the information provided
we have determined the claim...
is not payable as there was no medical treatment
at the time of cancellation on 1/2/15.
Although sickness is a listed
covered reason, the policy requires treatment from a legally certified
physician at the time of cancellation. The customer cancelled the trip on
1/2/15 and the only dates of treatment we received near that date were 11/20/14
and 12/4/14.
The analyst spoke to customer on
4/13/15 and discussed what is needed for further review of the claim. Customer advised
that she would obtain additional documentation from the treating physician
showing that treatment was ongoing and that it was medically necessary to
cancel the trip on 1/2/15.
Travel Insured
has not received the requested documentation.
The insured’s plan provides benefits for Trip Cancellation and Travel Delay for listed covered reasons. The 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 3/22/16. The claim was closed on 3/29/16. Tell us why here...
The insured called our call center on
November 5, 2014, and applied for the policy.
She told our customer service representative (CSR) that she was
concerned about her mother’s health. Our
CSR explained the pre-existing condition exclusion, namely, that the policy
would not...
cover any condition for which medical care, treatment or advice was
given within the 60 day period immediately prior to the effective date of
coverage (11/6/14). Our CSR also
discussed the 14 day free look.
The insured called our call center on
November 15, 2014, and spoke to a different CSR and explained that her fiancé
was ill and she needed to either request a premium refund or file a claim for
trip cancellation. The CSR told her that a fiancé is covered.
0ur claims department declined the
claim explaining that a fiancé was not a covered family member. The
medical report from the fiancé attending physician showed there was medical treatment
in October, 2104 and the claim was declined pursuant to the pre-existing
condition exclusion.
Since the insured called us within
the 14 day free look period and expressed an interest in the premium refund if
the claim was not payable, we will issue a credit to her credit card for a full
refund of premium.
We apologize for the miss-communication and inconvenience. After additional clarification was received, we completed the claim review on 5/24/16.
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 $3408 which included the trip cost as well as the $680 cost of the travel protection plan. The travel supplier provided a refund in the amount of $2,228.00. Therefore the unused non-refunded portion of the payments or deposits made was the remaining $1,180. The $680 cost of the travel protection plan is not refundable and therefore the travel supplier indicated that the published penalties totaled $500. We reimbursed the claimant $500 in accordance with the terms, conditions, and limitations of their plan on 8/10/17.
The plan was purchased by the customer online through
[redacted]. The customer confirmed she purchased the policy
herself online as well as confirmed receiving the confirmation of benefits provided
to her that clearly displayed her trip cost insured of $2.
The trip interruption benefit
reimburses up to 150% of the
total amount of coverage purchased. Since
the policy is banded from $1- $250, we reimbursed the insured $375 for the
expenses incurred for the trip interruption (150% of $250). We reviewed
the claim in accordance to the terms of the plan. Unfortunately, the customer
is not eligible for further reimbursement.
Federal financial privacy laws (Reg. P) prohibit credit card issuers from sharing their customers’ personal and payment information with third parties. We have confirmed with our Accounting Department that we have only charged the insured once for $310. If the insured will submit documentation confirming her allegations of being charged twice, we can review further.
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]
The insured cancelled his trip due to illness and filed a claim for trip cancellation benefits. On January 23rd, 2017, the insured called in with questions about the pricing of policies. Our Customer Care Representative (CSR) quoted prices for several policies and he (the Customer) said he was...
reviewing policies online and was interested in a policy for $32. Our CSR advised that we have a Lite policy with a $0 trip cost for $31. The CSR explained the coverage and clearly told him his trip cost would not be covered under this policy and he agreed to purchase this policy. The Confirmation of Benefit and policy were emailed to the insured immediately upon purchase. The Policy has a Fourteen Day Look that gave the insured a right to cancel the policy and request a premium refund if he was unsatisfied with the policy for any reason. That right was not exercised within the required time frame. The Schedule of Benefits in the policy states the Maximum Limit for Trip Cancellation is the Trip Cost* (Not applicable when $0 Trip Cost displayed on Your Confirmation of Benefits) Since the Trip Cost displayed on the Confirmation of Benefits is $0, the Trip Cancellation benefit is not applicable and no benefit is payable.
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 30 days prior to the scheduled departure date. The 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.S. Government.
Although
[redacted] itself is named a terrorist group, the U.S. Government 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 option. In 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 48 hours prior to departure. Since the insured already
departed on her trip, this benefit is not applicable.
Complaint: [redacted]
You are correct, that is in the brochure and I had just failed to read that part. Based on that I guess you can close the claim - BUT the claim is not resolved. How did I know in June that I would change my mind in July? I paid for a trip that I did not take. You were notified BEFORE the trip that I was not going so I still, and always will, feel I'm due my money back. GOODBYE
Sincerely,
[redacted]
April 16, 2015
Complaint ID # [redacted]
The customer submitted a claim
for
Trip Cancellation benefits under the
[redacted]. Upon review of the information provided
we have determined the claim...
is not payable as there was no medical treatment
at the time of cancellation on 1/2/15.
Although sickness is a listed
covered reason, the policy requires treatment from a legally certified
physician at the time of cancellation. The customer cancelled the trip on
1/2/15 and the only dates of treatment we received near that date were 11/20/14
and 12/4/14.
The analyst spoke to customer on
4/13/15 and discussed what is needed for further review of the claim. Customer advised
that she would obtain additional documentation from the treating physician
showing that treatment was ongoing and that it was medically necessary to
cancel the trip on 1/2/15.
Travel Insured
has not received the requested documentation.