Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowStill the issue is ability to travel documentation is proof of travel - my policy which I bought and paid for should not hinge on multiple requirements on the physician's part he already completed the form saying he advised no travel, I have proof of ability to travel when the policy was purchased This is unfair and is designed to make it difficult, if not impossible to collect on a claim I bought the policy, I supplied the info - the doctor answered what he did and this should be done [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]
To Whom It May Concern: This response is regarding the concerns raised by Ms [redacted] regarding her claim According to the claims records, Ms [redacted] interrupted her trip due to the medical condition of a family member A letter from the treating physician was received with Ms [redacted] claim documentation; however, the letter did not included a specific diagnosis and dates of treatment which are required to rule out that the medical condition is a General Exclusion to the policy purchased We contacted Ms [redacted] requesting the following information: · An attending physician’s statement indicating the specific diagnosis and date of diagnosis(Please note, the medical note we received from the medical provider does not indicate this information.) Ms [redacted] contacted her claims analyst on 1/2/to advise she was unable to obtain the necessary information and requested the analyst contact the treating facility directly for the required medical information A medical records request was sent directly to the facility on 1/2/requesting the required medical information The analyst did not receive the requested information upon the follow up date; therefore, a second request to the facility was sent on 2/5/A follow up is set for 2/26/for this request Once we receive the required information from the treating physician/facility, we can continue to review the claim Should Ms [redacted] have any questions regarding the information needed to review her claim, we welcome her to contact her claims analyst, [redacted] at ###-###-#### extension *** Thank you for the opportunity to review and respond to Ms [redacted] ’ concerns Sincerely, [redacted] ***
To Whom It May Concern: This is in response to the concerns Mr [redacted] has regarding his Trip Interruption claim As of today’s date, the only information we have received regarding Mr [redacted] ’s claim is the initial notification letter received on 7/21/ According to claim records, a claim was setup and claim forms were sent to Mr [redacted] via email on 7/23/and again on 9/13/Since no documentation was received, the claim was closed until information is submitted on the file Mr [redacted] contacted the claims dept via the Travel Guard website on 11/2/and 11/17/The analyst responded to Mr [redacted] ’s inquiries on 11/3/and 11/17/advising that we had not received any documentation regarding his trip interruption and included an additional copy of the claim form with the response We have attached another copy of the claim form to this responseOnce we receive the required information from Mr [redacted] , we will be able review the claim Should Mr [redacted] have any questions regarding the information needed to review his claim, we welcome him to contact his claims analyst, [redacted] at ###-###-#### extension *** Thank you for the opportunity to review and respond to Mr [redacted] ’s concerns Sincerely, [redacted] ***
To whom it may concern: This is in response to Mr [redacted] 's concerns regarding his mother's recent claim Ms [redacted] 's claim is under further review at this time and a claims adjuster will be in contact with Mr [redacted] within the next few days Should Mr [redacted] have any questions regarding the claim, we welcome him to contact the claims analyst, [redacted] , at ###-###-#### extension *** Thank you for the opportunity to review and respond to Mr [redacted] 's concerns Sincerely, [redacted] ***
To whom it may concern: This response is regarding the concerns of Mr [redacted] relating to his Trip Cancellation claim According to claim records, Mr [redacted] contacted us on 8/20/to setup a Trip Cancellation claim due to the escalating violence in [redacted] According to the documentation received, there have been multiple violent attacks due to the civil unrest and war that is occurring in [redacted] In pertinent part the policy states: TRIP CANCELLATION AND INTERRUPTION The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events: (j) a Terrorist Incident in a City listed on the Insured’s itinerary within days of the Insured’s scheduled arrival; DEFINITIONS “Terrorist Incident” means an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in Loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government General Exclusions This plan does not cover any loss caused by or resulting from: (e) war or act of war, whether declared or not, civil disorder, riot, or insurrection; We have investigated the situation in [redacted] and it has been found that the US Government has not deemed the situation in [redacted] as terrorism Unfortunately, based on the documentation received, Mr [redacted] ’s loss falls outside the scope of coverage While we wish the outcome of our review of Mr [redacted] ’s claim could have been more favorable, we must adjudicate each claim in accordance with the provisions of the policy purchased Thank you for the opportunity to review and respond to Mr [redacted] ’s complaint Sincerely, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I have proof the items were sent, both by email and now by faxPlease see attached print screen.Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 Regards, [redacted] Thank you very much for your assistance I received my refund check today!
To whom it may concern: This response is regarding the concerns of Ms [redacted] regarding her Trip Cancellation claim According to the information provided, Ms [redacted] ’s trip was cancelled due to a medical condition Based on the claim documentation, treatment took place from 11/20/thru 11/22/ The policy effective date was 11/22/ As treatment took place prior to the effective date, the condition would be considered pre-existing and benefits would not be payable under trip cancellation In pertinent part, Ms [redacted] ’s policy states: GENERAL EXCLUSIONS This plan does not cover any loss caused by or resulting from: (t) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner, or Family Member which, within the day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines Treatment has been verified to have occurred during the day period immediately preceding and including the policy effective date of 11/22/for the condition causing the loss The policy purchased excludes medical conditions which meet the Pre-Existing Medical Condition Exclusion Based on the documentation included in Ms [redacted] ’s claim file, we have determined that the expenses being claimed are not covered under the terms of the policy Please note that Travel Guard Management has reviewed the call recordings between Ms [redacted] and Travel Guard’s Customer Service Rep During the calls, no pre-approval or guarantee of coverage was given or discussedWe maintain that this claim has been properly adjudicated Thank you for the opportunity to review and respond to Ms [redacted] ’s concerns If Ms [redacted] has any further questions relating to her claim, we welcome her to contact our Claims Department at ###-###-#### Sincerely, [redacted] ***
This letter is in response to the complaint filed by [redacted] in regards to Travel Guard policy # [redacted] The first thing I would like to clarify is We Insure has no affiliation with Travel Guard and should beremoved from the complaintI, [redacted] was appointed with them as an individually licensedFlorida agentAt no time do I or We Insure collect payments for Travel Guard protection policiesAllpayments are made directly to Travel Guard via their websiteI am not sure why the Revdex.com of NortheastFlorida would be involved since I am located in [redacted] and the property that was rented by Ms[redacted] is located in Venice.As Mr [redacted] has requested I have attached the original confirmation of the policy after it waspurchased by Ms [redacted] on 12/03/The dates of the policy purchased are from 01/02/2014through 02/28/All of his question were asked and answered and I obviously had the dates of thepolicy as I have the original confirmation.Finally I would like to address Mr [redacted] ’s statement that I did not return calls or emailsI contactedhim by phone and email on several occasions to clarify the specifics of his grievanceMr [redacted] informed me that his claim was processed and sent me a correspondence he received from TravelGuardThe first paragraph of the letters states “All future correspondence should be directed to theattention of the Claims Quality Assurance department”At that point I informed him that he shouldcontinue the process with Travel GuardOnce a claim is started with the insuring party it must becompleted with them and all continuing issues should be addressed to Travel Guard
To whom it may concern: To review the claim for coverage, all terms and conditions of the policy purchased must be met Once we have all the pertinent information to make a claim determination, the claim will be finalized and the outcome will be provided to Mrs [redacted] Sincerely, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Once again the respond from travel guard shown they don't pay any attention to this matter at allThe dates was provide on my previous email from "8/to 8/13" and also there is no way to verify travel guard did investigate the call record, nor even they found the record will they telling the trueMore communication with travel guard more I feel this company's have no intention to satisfied their customerI don't want to keep answering the same question again and again, it is wasting our timeThere for please public the complain let the people know and avoid falling into the same trap as I Regards, [redacted] ***
To whom it may concern: This response is regarding the concerns raised by Ms [redacted] regarding her claim According to the claim documentation, Ms***’s trip was cancelled due to a medical condition To determine coverage under the policy and to confirm if Ms***’s policy is eligible for the pre-existing medical condition waiver, we need to confirm whether Ms [redacted] was medically able to travel at the time the policy was purchased Ms***’s policy states, In pertinent part: Extra coverage (when coverage is purchased with days of initial Trip deposit): • Pre-Existing Medical Condition Exclusion Waiver if You purchase this coverage, and You are not disabled from travel at the time You pay the cost We have contacted Ms***’s physician’s office and are awaiting a response; Once we receive the required physician’s statement confirming if the insured was medically able to travel when the insurance was purchased, we can continue to review the claim Should Ms [redacted] have any questions regarding the information needed to review her claim, we welcome her to contact her claims analyst, [redacted] , at ###-###-#### extension Thank you for the opportunity to review and respond to MS***’s concerns Sincerely, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Mr [redacted] has produced contradictory documentation that he has not explainedMy complaint was for some reason forwarded to Wisconsin Revdex.comI just submitted this to [redacted] and request closure or transfer of this complaint so that it posts to Revdex.com in Mr***s area Regards, [redacted]
To whom it may concern: This response is regarding the concerns raised by Mrs [redacted] regarding her claim According to the claim documentation, Mrs [redacted] ’ trip was cancelled due to a medical condition To determine coverage under the policy and to confirm if The [redacted] ’ policy is eligible for the pre-existing medical condition waiver, we need to confirm whether Mr [redacted] was medically able to travel at the time the policy was purchased Mrs [redacted] ’ policy states, In pertinent part: Extra coverage (when coverage is purchased with initial Trip deposit): • Pre-Existing Medical Condition Exclusion Waiver if You purchase this coverage, and You are not disabled from travel at the time You pay the cost We have contacted Mr [redacted] ’ physician’s office via telephone and are awaiting a response; Once we receive the required physician’s statement confirming if the insured was medically able to travel when the insurance was purchased, we can continue to review the claim Should Mrs [redacted] have any questions regarding the information needed to review her claim, we welcome her to contact her claims analyst, Kim Grezenski, at ###-###-#### extension *** Thank you for the opportunity to review and respond to Mrs [redacted] ’ concerns Sincerely, [redacted] ***
To whom it may concern: We encourage Ms [redacted] to submit additional documentation such as Erica's flight itinerary, showing the actual date of returnOnce this information is received, we will continue to further process Erica's missed portion of the trip We recommend Ms [redacted] contact her claims analyst, [redacted] , directly at ###-###-#### with any further questions regarding the Trip Interruption claim and required documentation Thank you for the opportunity to respond to Ms [redacted] concerns regarding her claim Sincerely, [redacted] ***
To whom it may concern: This response is regarding the concerns of Mr [redacted] relating to his Trip Cancellation claim We appreciate the opportunity to review Mr [redacted] ’s claim information once again Our claim records indicate that the trip had been cancelled as a result of violence and conflict at the trip destinationIn anticipation of unsafe conditions a personal choice was made to cancel the travel arrangements Unfortunately, this reason is not a covered loss under the terms of the policy; therefore Mr [redacted] ’s claim was denied Most recently, Mr [redacted] provided information indicating he cancelled the trip due terrorist attacks in [redacted] being carried out by *** We understand that [redacted] is recognized as a terrorist organization and the severity of the situation taking place; however, our review of the information provided does not support that the U.Sgovernment deemed any occurrence taking place in [redacted] within days of Mr [redacted] ’s scheduled arrival as an actual terrorist incident This reason does not meet the definition of a terrorist incident under this policy and we maintain that claim benefits cannot be disbursed We must adjudicate the claim according to the terms and conditions of the policy, which specifically state what the covered reasons and exclusions are under the policy The policy coverage purchased governs the decisions made on whether or not benefits can be extended We regret that our decision could not be more favorable; however, we must abide by the terms of the policy Of course, we reserve all rights under the policy and the law, and none of our communications may be construed so as to waive any of those rights Thank you for the opportunity to review and respond to Mr [redacted] ’s complaint Sincerely, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear belowStill the issue is ability to travel documentation is proof of travel - my policy which I bought and paid for should not hinge on multiple requirements on the physician's part he already completed the form saying he advised no travel, I have proof of ability to travel when the policy was purchased This is unfair and is designed to make it difficult, if not impossible to collect on a claim I bought the policy, I supplied the info - the doctor answered what he did and this should be done [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, [redacted]
To Whom It May Concern: This response is regarding the concerns raised by Ms [redacted] regarding her claim According to the claims records, Ms [redacted] interrupted her trip due to the medical condition of a family member A letter from the treating physician was received with Ms [redacted] claim documentation; however, the letter did not included a specific diagnosis and dates of treatment which are required to rule out that the medical condition is a General Exclusion to the policy purchased We contacted Ms [redacted] requesting the following information: · An attending physician’s statement indicating the specific diagnosis and date of diagnosis(Please note, the medical note we received from the medical provider does not indicate this information.) Ms [redacted] contacted her claims analyst on 1/2/to advise she was unable to obtain the necessary information and requested the analyst contact the treating facility directly for the required medical information A medical records request was sent directly to the facility on 1/2/requesting the required medical information The analyst did not receive the requested information upon the follow up date; therefore, a second request to the facility was sent on 2/5/A follow up is set for 2/26/for this request Once we receive the required information from the treating physician/facility, we can continue to review the claim Should Ms [redacted] have any questions regarding the information needed to review her claim, we welcome her to contact her claims analyst, [redacted] at ###-###-#### extension *** Thank you for the opportunity to review and respond to Ms [redacted] ’ concerns Sincerely, [redacted] ***
To Whom It May Concern: This is in response to the concerns Mr [redacted] has regarding his Trip Interruption claim As of today’s date, the only information we have received regarding Mr [redacted] ’s claim is the initial notification letter received on 7/21/ According to claim records, a claim was setup and claim forms were sent to Mr [redacted] via email on 7/23/and again on 9/13/Since no documentation was received, the claim was closed until information is submitted on the file Mr [redacted] contacted the claims dept via the Travel Guard website on 11/2/and 11/17/The analyst responded to Mr [redacted] ’s inquiries on 11/3/and 11/17/advising that we had not received any documentation regarding his trip interruption and included an additional copy of the claim form with the response We have attached another copy of the claim form to this responseOnce we receive the required information from Mr [redacted] , we will be able review the claim Should Mr [redacted] have any questions regarding the information needed to review his claim, we welcome him to contact his claims analyst, [redacted] at ###-###-#### extension *** Thank you for the opportunity to review and respond to Mr [redacted] ’s concerns Sincerely, [redacted] ***
To whom it may concern: This is in response to Mr [redacted] 's concerns regarding his mother's recent claim Ms [redacted] 's claim is under further review at this time and a claims adjuster will be in contact with Mr [redacted] within the next few days Should Mr [redacted] have any questions regarding the claim, we welcome him to contact the claims analyst, [redacted] , at ###-###-#### extension *** Thank you for the opportunity to review and respond to Mr [redacted] 's concerns Sincerely, [redacted] ***
To whom it may concern: This response is regarding the concerns of Mr [redacted] relating to his Trip Cancellation claim According to claim records, Mr [redacted] contacted us on 8/20/to setup a Trip Cancellation claim due to the escalating violence in [redacted] According to the documentation received, there have been multiple violent attacks due to the civil unrest and war that is occurring in [redacted] In pertinent part the policy states: TRIP CANCELLATION AND INTERRUPTION The Insurer will pay a benefit, up to the Maximum Limit shown on the Schedule, if an Insured cancels his/her Trip or is unable to continue on his/her Trip due to the following Unforeseen events: (j) a Terrorist Incident in a City listed on the Insured’s itinerary within days of the Insured’s scheduled arrival; DEFINITIONS “Terrorist Incident” means an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in Loss of life or major damage to property, by any person acting on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any government General Exclusions This plan does not cover any loss caused by or resulting from: (e) war or act of war, whether declared or not, civil disorder, riot, or insurrection; We have investigated the situation in [redacted] and it has been found that the US Government has not deemed the situation in [redacted] as terrorism Unfortunately, based on the documentation received, Mr [redacted] ’s loss falls outside the scope of coverage While we wish the outcome of our review of Mr [redacted] ’s claim could have been more favorable, we must adjudicate each claim in accordance with the provisions of the policy purchased Thank you for the opportunity to review and respond to Mr [redacted] ’s complaint Sincerely, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below I have proof the items were sent, both by email and now by faxPlease see attached print screen.Regards, [redacted]
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 Regards, [redacted] Thank you very much for your assistance I received my refund check today!
To whom it may concern: This response is regarding the concerns of Ms [redacted] regarding her Trip Cancellation claim According to the information provided, Ms [redacted] ’s trip was cancelled due to a medical condition Based on the claim documentation, treatment took place from 11/20/thru 11/22/ The policy effective date was 11/22/ As treatment took place prior to the effective date, the condition would be considered pre-existing and benefits would not be payable under trip cancellation In pertinent part, Ms [redacted] ’s policy states: GENERAL EXCLUSIONS This plan does not cover any loss caused by or resulting from: (t) PRE-EXISTING MEDICAL CONDITION EXCLUSION: The Insurer will not pay for any loss or expense incurred as the result of an Injury, Sickness or other condition of an Insured, Traveling Companion, Business Partner, or Family Member which, within the day period immediately preceding and including the Insured’s coverage effective date: (a) first manifested itself, worsened or became acute or had symptoms which would have prompted a reasonable person to seek diagnosis, care or treatment; (b) for which care or treatment was given or recommended by a Physician; (c) required taking prescription drugs or medicines, unless the condition for which the drugs or medicines are taken remains controlled without any change in the required prescription drugs or medicines Treatment has been verified to have occurred during the day period immediately preceding and including the policy effective date of 11/22/for the condition causing the loss The policy purchased excludes medical conditions which meet the Pre-Existing Medical Condition Exclusion Based on the documentation included in Ms [redacted] ’s claim file, we have determined that the expenses being claimed are not covered under the terms of the policy Please note that Travel Guard Management has reviewed the call recordings between Ms [redacted] and Travel Guard’s Customer Service Rep During the calls, no pre-approval or guarantee of coverage was given or discussedWe maintain that this claim has been properly adjudicated Thank you for the opportunity to review and respond to Ms [redacted] ’s concerns If Ms [redacted] has any further questions relating to her claim, we welcome her to contact our Claims Department at ###-###-#### Sincerely, [redacted] ***
This letter is in response to the complaint filed by [redacted] in regards to Travel Guard policy # [redacted] The first thing I would like to clarify is We Insure has no affiliation with Travel Guard and should beremoved from the complaintI, [redacted] was appointed with them as an individually licensedFlorida agentAt no time do I or We Insure collect payments for Travel Guard protection policiesAllpayments are made directly to Travel Guard via their websiteI am not sure why the Revdex.com of NortheastFlorida would be involved since I am located in [redacted] and the property that was rented by Ms[redacted] is located in Venice.As Mr [redacted] has requested I have attached the original confirmation of the policy after it waspurchased by Ms [redacted] on 12/03/The dates of the policy purchased are from 01/02/2014through 02/28/All of his question were asked and answered and I obviously had the dates of thepolicy as I have the original confirmation.Finally I would like to address Mr [redacted] ’s statement that I did not return calls or emailsI contactedhim by phone and email on several occasions to clarify the specifics of his grievanceMr [redacted] informed me that his claim was processed and sent me a correspondence he received from TravelGuardThe first paragraph of the letters states “All future correspondence should be directed to theattention of the Claims Quality Assurance department”At that point I informed him that he shouldcontinue the process with Travel GuardOnce a claim is started with the insuring party it must becompleted with them and all continuing issues should be addressed to Travel Guard
To whom it may concern: To review the claim for coverage, all terms and conditions of the policy purchased must be met Once we have all the pertinent information to make a claim determination, the claim will be finalized and the outcome will be provided to Mrs [redacted] Sincerely, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Once again the respond from travel guard shown they don't pay any attention to this matter at allThe dates was provide on my previous email from "8/to 8/13" and also there is no way to verify travel guard did investigate the call record, nor even they found the record will they telling the trueMore communication with travel guard more I feel this company's have no intention to satisfied their customerI don't want to keep answering the same question again and again, it is wasting our timeThere for please public the complain let the people know and avoid falling into the same trap as I Regards, [redacted] ***
To whom it may concern: This response is regarding the concerns raised by Ms [redacted] regarding her claim According to the claim documentation, Ms***’s trip was cancelled due to a medical condition To determine coverage under the policy and to confirm if Ms***’s policy is eligible for the pre-existing medical condition waiver, we need to confirm whether Ms [redacted] was medically able to travel at the time the policy was purchased Ms***’s policy states, In pertinent part: Extra coverage (when coverage is purchased with days of initial Trip deposit): • Pre-Existing Medical Condition Exclusion Waiver if You purchase this coverage, and You are not disabled from travel at the time You pay the cost We have contacted Ms***’s physician’s office and are awaiting a response; Once we receive the required physician’s statement confirming if the insured was medically able to travel when the insurance was purchased, we can continue to review the claim Should Ms [redacted] have any questions regarding the information needed to review her claim, we welcome her to contact her claims analyst, [redacted] , at ###-###-#### extension Thank you for the opportunity to review and respond to MS***’s concerns Sincerely, [redacted] ***
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Mr [redacted] has produced contradictory documentation that he has not explainedMy complaint was for some reason forwarded to Wisconsin Revdex.comI just submitted this to [redacted] and request closure or transfer of this complaint so that it posts to Revdex.com in Mr***s area Regards, [redacted]
To whom it may concern: This response is regarding the concerns raised by Mrs [redacted] regarding her claim According to the claim documentation, Mrs [redacted] ’ trip was cancelled due to a medical condition To determine coverage under the policy and to confirm if The [redacted] ’ policy is eligible for the pre-existing medical condition waiver, we need to confirm whether Mr [redacted] was medically able to travel at the time the policy was purchased Mrs [redacted] ’ policy states, In pertinent part: Extra coverage (when coverage is purchased with initial Trip deposit): • Pre-Existing Medical Condition Exclusion Waiver if You purchase this coverage, and You are not disabled from travel at the time You pay the cost We have contacted Mr [redacted] ’ physician’s office via telephone and are awaiting a response; Once we receive the required physician’s statement confirming if the insured was medically able to travel when the insurance was purchased, we can continue to review the claim Should Mrs [redacted] have any questions regarding the information needed to review her claim, we welcome her to contact her claims analyst, Kim Grezenski, at ###-###-#### extension *** Thank you for the opportunity to review and respond to Mrs [redacted] ’ concerns Sincerely, [redacted] ***
To whom it may concern: We encourage Ms [redacted] to submit additional documentation such as Erica's flight itinerary, showing the actual date of returnOnce this information is received, we will continue to further process Erica's missed portion of the trip We recommend Ms [redacted] contact her claims analyst, [redacted] , directly at ###-###-#### with any further questions regarding the Trip Interruption claim and required documentation Thank you for the opportunity to respond to Ms [redacted] concerns regarding her claim Sincerely, [redacted] ***
To whom it may concern: This response is regarding the concerns of Mr [redacted] relating to his Trip Cancellation claim We appreciate the opportunity to review Mr [redacted] ’s claim information once again Our claim records indicate that the trip had been cancelled as a result of violence and conflict at the trip destinationIn anticipation of unsafe conditions a personal choice was made to cancel the travel arrangements Unfortunately, this reason is not a covered loss under the terms of the policy; therefore Mr [redacted] ’s claim was denied Most recently, Mr [redacted] provided information indicating he cancelled the trip due terrorist attacks in [redacted] being carried out by *** We understand that [redacted] is recognized as a terrorist organization and the severity of the situation taking place; however, our review of the information provided does not support that the U.Sgovernment deemed any occurrence taking place in [redacted] within days of Mr [redacted] ’s scheduled arrival as an actual terrorist incident This reason does not meet the definition of a terrorist incident under this policy and we maintain that claim benefits cannot be disbursed We must adjudicate the claim according to the terms and conditions of the policy, which specifically state what the covered reasons and exclusions are under the policy The policy coverage purchased governs the decisions made on whether or not benefits can be extended We regret that our decision could not be more favorable; however, we must abide by the terms of the policy Of course, we reserve all rights under the policy and the law, and none of our communications may be construed so as to waive any of those rights Thank you for the opportunity to review and respond to Mr [redacted] ’s complaint Sincerely, [redacted] ***
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] 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 Regards, [redacted]