Travel Insured International, Inc.

The claim review has been completedPayment in the full amount of the claim is being mailed today

The policy purchased provides coverage for Trip Cancellation
for the listed covered reasonsCancellation due to dangerous transportation is
not a covered reason for cancellationWe did confirm with the insured’s
airlines that her flight was delayed; however, she was
re-booked that same
evening at 10:00pmWe have reimbursed the insured the maximum amount payable
under the Travel Delay benefit of $ The traveling companion had a separate policy
that we also paid the Travel Delay benefit of $

Complaint: ***
I am rejecting this response because:Congress did declare these as terrorist attacks last summerLiterature is misleading: some of it says cancel for any reason is the same as interrupted for any reason also misleading about how narrowly terrorism is covered
Sincerely,
*** ***

This company has already received three different documents from the doctor detailing treatmentThey are trying to prolong this process to hold on to my moneyIf you are reading this complaint as a consumer or agency, do not under any circumstances use this company!
Complaint:
I am rejecting this response because:
Sincerely,
Sharon Eddy

Complaint: ***
I am rejecting this response because: As of today, February 3, 2015, my claim remains rejected The statement from the company that stated that they have given me the benefit of the doubt and paid the claim in full is simply false My claim remains rejected and unpaid for
Sincerely,
*** ***

">The initial claim notice did not give us
sufficient information and on 12/9/14, we sent an e-mail to the tour operator
requesting additional information. We sent a second e-mail on 12/23/14,
and on 1/14/15, we called the tour operator and then called the insured
and told him that the claim for $was approved. The claim check was
mailed on 1/15/

The customer, in the original complaint
submitted on 5/21/2014, stated: “Our travel agent and my wife and I thought we
had met the requirement that pregnancy must take place after we purchased the
trip and insurance”Their understanding of the policy language is correctThe
policy states: “…as long as the pregnancy occurs after your Effective Date of
coverage and can be verified by medical records”The medical records show that
gestation commenced approximately weeks and days prior to 09/26/13, well
before 10/2/13, the Effective Date of the policy

The Customer purchased a plan on 12-01-for a trip departing 01-30-
and returning 02-03-16.
size="3">The Customer
called on 01-20-to initiate a claim under the plan. The Customer was cancelling due to the recent
CDC travel warning regarding the Zika Virus.
However, cancellation
due to the travel alert is not a covered reason under the insured’s plan

We apologize for the frustrationWe have completed the claim review and paid the claim in the full amountThe check will be mailed out tomorrow

The
referenced policy purchased provides trip cancellation benefits if an insured
will be attending a Family Member’s childbirth as long as the pregnancy occurs
after the effective date of coverage and can be verified by medical
records
The
policy effective date is 10/02/and the medical records we received, show the
family member visited her doctor on 09/26/and was estimated to be at weeks
days gestation.
Since
the pregnancy did not occur after the effective date of coverage, benefits are
not payable.
Attached
is correspondence from the insured to the travel agent confirming that they
knew the pregnancy occurred prior to the booking

The
plan reimburses for medical expenses that are incurred by you while on your
covered trip for treatment, including services and supplies that are
recommended by a physician
11pt;">
A
physician is defined as a licensed practitioner of medical, surgical or dental
services acting within the scope of his/her licenseSince the acupuncturist
that treated the insured is a licensed practitioner of medical services and was
acting within the scope of their license the medical expenses incurred are
payable
A
check for $1734, the medical expenses incurred, has been issued

The tour
flyer that the insured received clearly states the covered reasons and provides
a web site wherein he could review and obtain a copy of the insurance coverage
We mailed the
Confirmation of Benefits and the Certificate of Insurance to his home
address on June 9,
The plan
provides a premium refund if the insured is not completely satisfied with the insurance
and requests the premium refund within days of the plan purchase. He did not request a refund of premium within
that day period

We apologize for the miscommunicationBelow is our response:
The insured’s claim documents were received 12/2/
After review of the documentation additional documentation was requested from
the insured on 12/22/The policy reimburses for pre-paid unused expensesUpon
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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely, *** ***

The plan states that benefits are not payable for any loss due to, arising or resulting from: childbirth or pregnancy
"MARGIN: 0in 0in 0pt"> Immediately after the insurance was purchased, the Confirmation of Benefits and Certificate of Insurance were sent to the insured via emailThe plan does provide a day free look period that affords the opportunity to request a full refund of premium within days of the effective date of coverage%

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/and told the insured the status
of their claim

This past July I was suppose to go to *** ** ***, but about a month before the trip I was diagnosed with servere anxietyI could not eat or even leave my house therefore I had to file a claim because I needed to cancel my tripOnce I called travel insured to get my claim papers they proceed to call the travel agency (*** *** *** *** ***) and discuss with an agent my PERSONAL medical condition that anxiety is not eligable for a refundBut why wasnt I called personally? I got this notice from the travel agency and called traveled insured the next day to confirm that information was correct, but they gave me different informationThey said my claim needed to be reviewed and they could not give me a definite answer with out reviewing my claimThen I was notified two days before my trip that I would not qualify for a refund; then when I question why I was given different information from what the travel agency got from travel insured I was talked down to like I was not even a human being and the man I was dealing with hung up on meI cant believe this company has employees that treat thier customers so poorlyi just was extremely dissappointed with how everything was dealt with

Complaint ID: ***Policy ID: ***-*** ***We appreciate the opportunity to review the medical expense claim again. Travel Insured has reimbursed the medical expenses. The bills were converted to USD totaling $1227.36. The Insured was called on July 1st
to advise the claim is being paid and an email was also sent to her advising of payment.Thank you

Complaint:
I am rejecting this response because: See copy of e-mail (with an attachment) sent to Travel Insured. [email protected] was included in the cc list. Many thanks for your
help!
Sincerely,
Mary King

We spoke to *** *** and
discussed the need for both policies. He acknowledged his understanding
of
the issue and asked for a premium refund. The refund will be processed
to his credit card today