Travel Guard Group, Inc.

Review: I purchased tickets for a major league baseball game online. On the screen appears a recommendation for ticket guaruatee insurance if you cannot attend the game. It is listed as recommended, costs about 10% of the total price of the two tickets. There is no policy or claims criteria listed. I was unable to attend the game for which I called Travel guard in advance of the game to get a ticket price refund.

They gave me a list of reasons for which they could give a refund with a lengthy claims process description. Mostly medical reasons supported by a physician were the reason they would do a claim refund. This is very misleading in the initial insurance offering when tickets are purchased online. No small print or policy is available when the insurance is selected. The impression given is that if you cannot attend the game; the insurance is available to get a refund. This is pure false and misleading service expectations and a very dubious business practice.

I am the example of a senior citizen who got ripped off and a victim of gotta cha..... check the fine print but oh by the way we don't show the fineprint until after the sale !Desired Settlement: I would like to receive a refund on the tickets of $70 and see that such misleading representation is called into accountablity by the state Revdex.com

Business

Response:

To whom it may concern:

Review: I have filed the same two claims numerous times, and have had no action taken by Travel Guard. I signed up for Travel Guard in case of problems that might occur and to protect my belongings. My computer was severely damaged, and due to this,the flight agent told me I had to tend to the computer at the front office. Their procedure was to book me the same flight 24 hours later. I became ill prior to the flight and obtained a doctor's note saying I could not fly. I have emailed Travel Guard many times with all attached documentation. I got one response from them stating that I should send documentation. I emailed them back stating I already sent them my documentation. Furthermore, I mailed hard copies of all documentation and claim forms. Despite, all my efforts, I have received no responses or action in order to refund me the money for the flight and computer damage. I feel this company is trying to pull one over on me, and just take my insurance money that I paid for rather than providing the service for which they charged me.Desired Settlement: The first claim is for trip interruption in the total of $177.60. The plan purchased: [redacted]. Underwriter: National Union Fire Insurance Company of Pittsburgh, PA. The limit for baggage claims is $250. The damage to my computer was over $250. I would like reimbursement of $177.60 and $250. The total amount owed to me is $427.60. Thank you for your help, Revdex.com.

Business

Response:

To whom it may concern:

We have completed our review of Ms. [redacted]'s claim. According to the records, we find that requests were made to Ms. [redacted] for missing, required documentation. Requests were made shortly after receipt of her initial claim documentation in March 2012; however, we have yet to receive the completed claim documentation to allow us to finalize her claim.

Please be advised Ms. [redacted]'s adjuster communicated with her via email this morning regarding the missing documentation. Upon receipt, we will be able to finalize her claim. Should she have any questions, we welcome her to communicate directly with her adjuster, [redacted], at ###-###-#### Ext. #####.

Sincerely,

Review: Travel Guard offered me Ticket insurance through the [redacted] website after I bought tickets online to a National League Championship Game of Major League Baseball. With all of the Fraud going on with tickets to events such as this. I wanted to make sure I had no problems with ticket fraud. So I purchased the insurance. Well the game ended up being cancelled due to the fact that the winner was already determined by that point. So the Cardinals stated that they were not refunding any money untl November 15th. So I just kind of thought this would include my ticket insurance also. So the Cardinals refunded my ticket cost earlier then originally stated but I noticed the refund was $41.65 short. So I called the Cardinals and they told me that they refunded me the money I spent on tickets. That for the ticket insurance refund I had to contact Travel Guard. So I contacted Travel Guard and they told me I was too late to get a refund. That I had to apply for the refund with in 15 days of the policy start date. The activation date was 9/25. The game was not even scheduled to be played until 10/19 and was not determined whether it needed to be played until 10/18. So when I started reading the policy. The language was referring to a TRIP, like I was purchasing airline tickets or tickets to a cruise. The whole transaction was very misleading. To me it was a cheap trick to think you were buying protection against Ticket scalpers and fraud. Where In turn it was a cheap insurance broker trying to make some easy money.Desired Settlement: Refund the cost of the policy $41.65

Business

Response:

Thank you for bringing up your concerns. This policy was purchased on 09/24/13 and a confirmation was sent by email to the customer on 09/24/13. At this time it is up to the customer to review over the policy and see if it's valuable to them or if they would like a refund. We offer our customers 15 days from the effective to receive a refund of their insurance if they do not agree with the policy. After that time, the policy terms are accepted and Travel Guard begins covering the customer. This coverage was effective for Trip Cancellation coverage on 09/25/13 and we did not receive a request from the customer to cancel until a month after the game date on 11/19/13. Travel Guard covers if the customer cannot attend the game due to illness, injury, death, inclement weather, natural disaster, jury duty, military reasons and other circumstances. It's a very valuable coverage where we protect the customers and in turn they pay the premium. If they do not have to file a claim against the policy or if the game does not proceed the insurance is not refundable. We provided a service for this customer, if they had contacted us within the refund period as directed, we would have been more than happy to refund the policy. Unfortuantely, this did not occur. We are happy to explain the policy further, please feel free to contact us.

Sincerely,

I would not recommend anyone purchasing this, big waste of money. They give you tons and tons of paper work and it takes a very long time for you to even hear back from them. If the reason you have to cancel does not fit what they consider acceptable reason to cancel you are out of luck. I will tell everyone I know that this is a big fat waste of money. My families hard earned money down the drain!!!

Review: On 08/10/2014 I call Travel Guard Insurance sale agent before I purchase the travel insurance for my family for the cruise vacation to Caribbean’s Islands. I was concern about the weather so I ask the sale agent if my trip impacted by the weather and cannot stop at the island or the trip need to detour will I be covered. The sale agent tell this is to covered as trip interruption and I will be covered up to 150% of the trip cost. then I ask what is “up to 150%” means? She said they will pay for the whole trip if there is additional cost to me due the situation they reimbursed me up to 150% of the trip cost. So I agree and buy the insurance.

I went on the trip and due to weather we cannot stop at a port, there for I filed the claim :claim number is [redacted]. The claim was denied, the explanation is the cruise fare and air fare is not “the non-refundable travel arrangement”. The Travel Guard Insurance : first provided false information to me just trick me to buy the insurance, second did not describe the Contract in detail and after all interpret the Contract favor to Travel Guard. This is not acceptable. I have try to contact the adjuster several time and she not even try to help to result the issue. So please help to get Travel Guard honor their word and contract.Desired Settlement: I just want travel to honor their word and pay for my trip cost, that the reason I buy the travel insurance for.

Business

Response:

To whom it may concern:

Review: I purchased TravelGuard insurance for a trip I was scheduled to take. I was unable to travel during the booked period. I specifically purchased this insurance because it waived pre-existing conditions if purchased at the time of the flight booking. I have provided everything initially requested, yet am continually told that they require additional information from my physician, who has stated that his office has never received any contact from this company. They were faxed a copy of his note stating that I could not travel. This has been going on for almost a year. This company owes me 277.80 and I would like the refund.Desired Settlement: I would like the amount due to me for the travel cancellation insurance policy that I paid for.

Business

Response:

To whom it may concern:

Review: THEY HAVE REFUSED TO PAY THE AGREED AMOUNT OF $1391.75 FOR REPAIRS TO DOLLAR RENTALDesired Settlement: PAY THE AGREED MONEY TO DOLLAR RENTAL

Business

Response:

To whom it may concern:

This response is regarding the concerns of Mr. [redacted] in relation to his collision damage waiver claim.

Please note that the claim is currently under review and investigation to obtain additional, required information that is needed for the loss being claimed. We have sent a letter to advise Mr. [redacted] of the investigation and once completed we will be in contact with Mr. [redacted].

Should Mr. [redacted] have any questions, we welcome him to contact us to discuss the status of our investigation.

Sincerely,

/by

I have never felt so tricked and schemed in my life. I had to travel for a medical procedure with a tentative surgery date, so I of course purchased the optional "insurance" just in case something were to happen and I needed to change my flight; isn't that what insurance is for? Sure enough 2 weeks prior to my flight leaving I got the call that the physician was pushing my date forward by a few days. I first called Spirit Airlines to see about changing my flight dates due to medical reasons (who are by the way awful as well, employing not a single representative who you can actually understand clearly on the phone), and they of course would not help me at all. They told me to call Travel Guard (AIG) and they would help me. I called their 866-877-3191 number and explained the entire situation to the rep. I was put on hold and she came back on the line to explain that the only way they would cover the cost of my flight change or cancellation are as follows: a natural disaster (with proof), a terrorist attack (with proof), an airline strike (with proof), if I am hijacked (with proof), if I am called to jury duty (with proof), if I am in a car accident ON MY WAY to the airport (with a police report AS PROOF), if I lose my job within the week of travel (with proof), if I die (with proof), or if I am dismembered (with proof). So basically- if something completely out of the realm of a normal life occurs, like death- THEN they'll refund my dead or dismembered self my $506. And should our plane be attacked by terrorists, don't think that qualifies you for an automatic refund! Oh no. You must file a claim with AIG and ATTEMPT to recoup your monies. BUT, if a physician to whom I am travelling to for life saving surgery needs to reschedule their patient.... do you think that would be covered? OF COURSE NOT. Their insurance only covers things that should they occur you would get your money back REGARDLESS of purchasing flight insurance or not! So, I ended up paying the $506 for the flight, PLUS the $220 change fee (which was the entire reason I purchased the insurance for in the first place). Oh but I forgot. The rep on the phone did give me the email address to their refunds department so I could ask for my $28 back. How kind. I won't hold my breath on that. But if I do, and I die, then maybe I'll have a chance of getting it back.

I took out insurance just in case I wouldn't be able to fly. I was diagnosed with Breast Cancer and started treatment in Jan 2013 with first chemo. I started with a different chemo treatment in April 2013. I developed a very bad rash from this chemo and due to the flight being 5 hours there was a risk of developing lymphedema. I bought 2 tickets for my mother and I totaling $500 and Travel Guard denied my claim saying it was pre-existing. When I purchased the tickets I had not started the second type of chemo. So not only getting fired because my FMLA ran out but lose $500 to a company that cheats people out of their money. Insurance is supposedly purchased to cover situations like this.

Review: Travel Guard has not has not honored their contract with me, I suffered a stroke 2 days before my scheduled trip. Due to their miss information during an inquiry call with my travel partner, we bought the insurance, completed the appropriate paperwork, and were denied. We would have had better luck, and save $100's if we would have worked with the airlines and hotel ourselves, instead of the insurance frauds. Do to the face that the initial inquiry call did not result in a purchase, Travel Guard states that they don't have a recording of that call, only calls following the purchase that required adjustments to the policy. I didn't receive the denial letter for many weeks following my submission of many pages of paperwork. When I called on 08/19/14, I was connected to the voice mail of Quality Assurance and left 2 messages over the course of that day. 08/20/14 was given the name of [redacted] (###-###-####) via a message. Called back and left information of my claim number, 08/21/14 talked with [redacted], provided her with issue, number utilized during the initial call, to which she stated they would need a week and a half to review the call. On 09/05/14, after not hearing back from anyone, I left a message inquiring as to the status. Receive a message back on 09/09/14, stating that the calls were still in review. 09/18/14 another message inquiry of status was left by me. On 09/19/14 [redacted] left message stating management was still looking into the calls and would contact me early next week. 09/26/14 message left stating that the calls had been reviewed and no issues that would warrant a claim.Desired Settlement: For the insurance coverage and the trip costs we were unable to get back do to their misrepresentation of services.

Business

Response:

To whom it may concern:

Review: I purchased travel guard cancel for any reason insurance for my flight and my brother-in-law's flight to [redacted]. We cancelled our flights within the given timeframe associated with our contract with travel guard, and filed our claim in a timely manner. Our claim was denied without examplanation and despite the cancel for any reason insurance purchase. [redacted] has failed to return any of my 4 phone calls regarding this claim in the last two months.Desired Settlement: I expect a 70% refund on airfare associated with this claim as outlined in the travel guard contract. Airfare was $1,422.25 each (total $2,844.50). A 70% refund is expected in the amount of $1,991.15.

Business

Response:

To whom it may concern:

This response is regarding the concerns raised by Ms. [redacted] regarding the denial of her Trip Cancellation claim.

Upon further review, we acknowledge that a portion of the claim was denied in error and benefits should be extended. A portion of the loss falls outside the trip cost insured ($1,373.77 per person). This portion was appropriately denied and not covered under the policy.

Please note that the file has been reassigned to an adjuster today. Benefit determination will be made based on the Trip Cost Insured per person ($1,373.77) as well as the Cancel For Any Reason benefit limitations of 70% of the Insured Trip Cost. Once an adjuster has completed revew, Ms. [redacted] will be called to confirm the amount of the forthcoming reimbursement.

Should Ms. [redacted] have any questions, she is welcome to contact her adjuster, Jessica, at ###-###-#### Ext. #####.

Sincerely,

Review: I purchased the Gold Plan with Travel Guard for my recent trip from December 7, 2013 till December 22, 2013 on a 15 day Hawaiian Cruise. The flight with United airline had engine trouble while in flight had to turn around and make emergency landing back in Cleveland, Ohio. United could not get me on another flight until the next Morning December 8, 2013 which resulted in me missing the cruise ship. I called Travel guard they said not to worry I would be covered save all my receipts for hotel, food, etc. I spent 4 nights in Maui waiting on ship to arrive. I spent 359.95 on food another 582.92 for hotel and another 300.00 for tax to get back on the ship. Not to mention food everything was included on Carnival Cruise that I paid for on the 15 day cruise which was 1,339.00. I only got a 10 day cruise when I paid for a 15 day cruise plus the 1242.87 extra I paid out of pocket waiting on ship that they said I would get reimbursed for. I sent all documentation to them. They sent me a check for 757.54 I called and complained they said I had to speak with the adjuster handling claim. I left her a message after two weeks she called me back. I told her my case falls under multiple issues. She said that they had two people on check in for hotel. I told her I was by myself waiting on ship and to meet the friends I was suppose to cruise with that the bill just reflected their billing system. I sent her more documentation by e-mail showing I was the only one checked into hotel. She said should check into it and it can take up to four weeks. I got another check for 161.03 which is still 324.30 short of what I had to dish out of pocket for something that I had no control over. First time they said I maxed out 12/09/13 how can that be when I didn't get there until 12/08/13 then on the second check after complaining they said I exceeded it on 12/11/13. Plus this was a 15 day cruise I paid for and only got 10 days they didn't even pro rate that from Dec07 till Dec 22. Trip interruption is suppose to be 150% of trip cost per insured not to mention the 150.00 a day pay out. This is unbelievable I just want to cover my losses that I incurred. My claim is #[redacted]Desired Settlement: I just want to be paid the total cost of the extra expense I incurred because Of United airlines that's why I bought this Insurance with Travel Guard to be protected. The $1242.87 out of pocket expense I incurred when everything on cruise was all included food, lodging etc. Plus I paid $1339.00 for a 15 day cruise and only got 10 days and was not paid for that loss either. $1339.00 divided by 15 days is $89.26 a day times 5 days is $446.30

Business

Response:

To whom it may concern:

This response is regarding the concerns raised by Mr. [redacted]s regarding his claim. According to the documentation received, Mr. [redacted]’s flight scheduled for 12/7/13 was cancelled due to a mechanical issue and rescheduled to depart 12/8/13. Mr. [redacted] flew to Hawaii on 12/8/13 and rejoined his planned cruise on 12/12/13. Mr. [redacted] submitted expenses for additional meals and lodging during this delay along with an additional transportation charge to join the cruise due to the Jones Act.

Payment was issued to Mr. [redacted] on 1/22/14 for $507.54 for additional hotel and meal expenses under the Trip Delay benefit and $250.00 for additional transportation expenses for the maximum limit allowed under the Missed Connection benefit. The Trip Delay benefit has a daily maximum limit of $150.00; with an overall maximum limit of $750.00 per insured person. Mr. [redacted] contacted us regarding the Trip Delay reimbursement and was advised the benefit is only for the insured person’s expense(s) as some of the receipts indicated 2 persons. When Mr. [redacted] submitted documentation from the hotel regarding the reservation only being for him, an additional payment was issued to him in the amount of $161.03 under the Trip Delay benefit.

In his complaint, Mr. [redacted] mentions he did not get reimbursed for his pre-paid missed cruise. Unfortunately, the flight being cancelled due to mechanical/equipment failure of a common carrier (airline) resulting in loss of less than 50% of his trip is not a covered loss under the Trip Interruption benefit. Attached is Mr. [redacted]’s policy for your convenience.

Should Mr. [redacted] have any additional questions, we welcome him to contact us at ###-###-####.

Sincerely,

Review: I booked a cruise to Bermuda for 6/7 my mother passed away unexpectedly on 6/3 and so I had to cancel my trip obviously......this insurance company is now refusing to refund my the trip based on the cause of my mother's death.....the death certificate says he passed away based on ethanol abuse. I feel this wrong on so many levels.....who are these people to judge?? I paid for insurance and regardless of how or why my mom passed....I still lost my mom and there was no way I could've went on a trip!!!! I want my money backDesired Settlement: I want to be refunded and would hope these people would be a little more sensitive in the future to peoples situations especially with immediate family members!!!!

Business

Response:

To whom it may concern:

This response is in regards to the concerns raised by Mr. [redacted] from the denial of his Trip Cancellation claim.

Upon further review, we have identified that the claim was processed incorrectly. The loss is covered under Mr. [redacted]'s policy as the policy quoted in the denial was not the appropriate revision for residents of New Hampshire. We apologize for any inconvenience this may cause.

Mr. [redacted]'s claim has been reopened and returned to his adjuster for processing of his reimbursement. Should he have any questions, we welcome Mr. [redacted] to contact his adjuster at ###-###-####.

Sincerely,

[redacted])

Review: On 15 August 2014, I paid Lindblad Travel $750.00 to reserve space for me on the Galapagos trip planned to begin 30 Jan 2014 and end 8 Feb 2015. On 22 Oct 2014 I purchased from [redacted]) a trip cancellation policy for $591.90. On Saturday 1 Nov 2014, as per the agreement with Lindblad I paid the final payment of $8035.00.

On Monday 3 November 2013, my husband had an appointment with his orthopedic surgeon, who said he would have to have another surgery.

I have been his primary caregiver for the last nine years, during which time he has had 2 surgeries. He is ** years old; I am ** years old. We made extensive plans for his care while I would be on the trip. When we were told he would require more surgery we discussed it with our primary care doctor and made the decision that I could not be away when he had his surgery. The date of the surgery was not given to us.

On Friday 7 November 2014 I canceled my trip. The total cancellation fees were $2,072.50. I had purchased the insurance to protect myself and our money should I need to cancel the trip. I submitted my claim form on 7 November 2014.

On 11 November 2014 our primary care doctor submitted a letter to [redacted] saying he recommended that I not travel any time in the near future because of the surgery.

Over the next four months, [redacted] continued to request medical records to prove that there was a pre-existing condition and therefore there would be no reimbursement. We received the final decision 31 March 2015: there would be no reimbursement.

This is a wrong determination. When we booked the trip and bought the insurance we did not know that he would have more surgery. The new surgery is a new issue not a preexisting one.

I had also purchased flight insurance for this same trip from [redacted] and had submitted the same letter from our primary care physician and their rules were the same - no pre-existing condition. They reimbursed the airfare in full.Desired Settlement: I expect a refund of $2072.50, the cancellation fee for the trip.

Business

Response:

To whom it may concern:

Review: TravelGuard Inc has placed my home address on their mailing list, and has not removed it despite multiple requests. I have sent at least three emails to Travel Guard regarding this. I have never done business with TravelGuard, I don't know how they got my home address in the first place. They send me junk mail/advertising MONTHLY.Desired Settlement: Just take me off your mailing list.

Business

Response:

[redacted],

Review: We ([redacted], and [redacted]) purchased Travel Guard Gold insurance policies (#[redacted] and [redacted]) to insure our trip to [redacted] against cancellation and/or interruption in good faith when we made our initial arrangements. While trip cancellation was advertised to cover 100% of the purchase prices, trip interruption coverage was advertised to cover up to 150% of the original costs of the trip. As we unfortunately discovered, trip interruption carries fees and penalties not initially incurred when booking trip arrangements—which is obviously the reason interruption insurance limits are greater than cancellation benefits. That said, we appealed to Travel Guard to do exactly that: to reimburse up to the maximum of $6000 per person of our costs.

We insured our vacation trip to [redacted] never, ever, imagining the incident that would prevent its coming to be. Our vacation trip, which should have been the trip of a lifetime, was aborted before we ever landed at our destination.

We formally appealed the decision made by Travel Guard not to cover the outbound flight by calling them “used” portions of travel. They later, referred to them as non-forfeited portions of travel. It was during that flight that our Dad, who was in good health, died so unexpectedly in a freak accident. While in the strictest sense, the segment could be considered "used," that flight was a total waste. We purchased the trip insurance in the good faith that, should our trip need to be canceled or interrupted for a serious reason, our monies would be refunded (up to 150% for interruption, as advertised,). No one in their right minds would endure approximately 30 hours (in transit to and from airports, waiting at airport gates, and flight time) to have dinner in [redacted] and turn around and do it all again--and under such tragic circumstances—on the very next day.

During the process of disagreement, I again reviewed the details of the Travel Guard Gold policy. I note two references for “unused” portions of travel being covered by providing the related documents to TG. (We submitted all required documentation in early January.) I do not find any wording that prohibits the policy from covering “used” portions of travel in the sense that it was applied by Travel Guard. The exclusive purpose of our outbound travel was to connect with our cruise. That did not happen. It was quite obviously impossible to interrupt travel at the time our loss actually occurred, until the flight in progress had landed.

As a consumer, the details of the policy appear clear. Had Dad’s death occurred prior to the initial segment of the trip, cancellation amounts would have been very clear-cut. However, under the trip cancellation benefits, from all that we can determine, all aspects of the final trip costs, should be considered and reimbursed under the trip interruption coverage to the covered limits of 150% of the policy purchased. We find no limitations based on “used” vs. unused portions anywhere in the policy.

Admittedly, since insurance terminology is not our area of expertise, we had the policy reviewed by a family member who is in the insurance industry and is quite familiar with insurance language. The first observation confirmed that the language used to determine benefit coverage is essentially the same in the trip cancellation details as in the trip interruption description, with the notable exception that trip interruption is advertised to cover up to 150% of the amount purchased for trip cancellation purposes. The outcome of that review also reached the same conclusions as ours: there is no language excluding coverage for any “used” portion(s) or indicating that any portion of the trip would not be a covered benefit if the trip were interrupted for a covered reason. The untimely death of our father certainly met that requirement. Absent any other language to the contrary, the benefit calculation should be based on the benefit expressed in the policy “up to 150%” of the initial trip costs. It is very interesting that in all of the definitions included in the policy, there is no definition of what constitutes trip interruption. In the absence of such definition, how can anyone not agree that, our trip was interrupted during our outbound flight.

According to travel agency (whose agents “use Travel Guard all the time”), our outbound segments were as follows: BOS>LAX base cost: $147.91; LAX>SYD base cost $522.00; Taxes $400.62 ; Total $1070.53 per person (segment 2, being 3.5 times the cost of segment 1, making the tax breakdown $88.88 taxes for the first segment, and $311.11 for the second segment).

The bottom line is that our trip in December was truly interrupted before it ever began—before we ever landed at our destination. We ask that Travel Guard extend good faith, consider our circumstances, and approve reimbursement for our outbound flights up to the coverage limits of $6000.00 per person. Again, as I read the policy, I find no wording that prohibits this coverage from being extended to us.

Their website advertises that Travel Guard “is a name that you can trust.” Travel Guard was considered a reputable company. As a member of the Revdex.com, TG had good ratings from what we had read. Unfortunately, we are now reading many complaints filed for similar issues. We have personally recommended travel insurance, in general, and Travel Guard in particular, to others. Word of mouth (and now social media) can be the best (or worst) advertising. We have purchased insurance from Travel Guard for several past trips and have never submitted a claim for any losses of any kind.

We now ask them to return the same good faith we extended to Travel Guard upon purchasing their policies. We have requested that they restore that trust and reimburse our outbound airfare of $1070.53 per person (up to the policy limit of $6000). We didn’t insure segments, we insured our vacation trip—we requested in our appeal that they reimburse our sadly aborted "vacation" up to the $6000 per person limits of the policies we purchased.

We are disappointed and continue to respectfully disagree with the position that Travel Guard maintains by refusing to extend coverage for our outbound flights, referring to them as non-forfeited travel costs.

While they are technically correct that we did not officially forfeit the outbound flights from BOS>LAX and LAX>SYD, forfeiting something implies losing or surrendering that something. It also implies having the ability or choice to give up that something. At 30,000 feet, somewhere over the Pacific Ocean, it was not humanly possible to choose to forfeit anything.

For all intents and purposes, our trip was interrupted and forfeited at the moment of Dad’s tragic, untimely death.

Based on the language of the policy, there is no question that death of a parent is a covered loss. That covered loss caused our travel to be interrupted, in fact terminated. We firmly hold that our trip was both interrupted and unequivocally forfeited at the moment that loss occurred and that, as a matter of principle, Travel Guard should reimburse the outbound trip in its entirety for $ 1070.53 per person.

Resolution requested: Reimbursement for the outbound flights $ 1070.53 per person.

Please note: [redacted] (Mrs. [redacted])Desired Settlement: Reimbursement for the outbound flights $ 1070.53 per person.

Business

Response:

To whom it may concern:

Review: Medical insurance claim was filed and rejected after insurer requested 80 pages of documentation. They claimed that my treatment for a cardiac condition would not be reimbursed because I had a cold prior to the trip and that made my medical claim a preexisting condition.Desired Settlement: $482.85 hospital reimbursement and $1,092.70 cruise line medical charge reimbursement.

Business

Response:

To whom it may concern: