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I got my documentation promptly.
I had a heart attack during my trip. After sending all the information to the Insurance, I would keep getting notices from them that they wanted my passport copy, which had been sent to them with every bill. I also got notices from the Insurance company that they were waiting for information from the Hospital. When I called the Insurance company, the agents would tell me that the copies of my passport were with them and they had received some documentation from the Hospital. Then I started getting bills and notices from the Hospital saying they would send the bills to a collection agency if they were not paid within a certain time. This was all so stressful to deal with after having undergone a heart attack. The Insurance was so prompt to charge my account and take payment but service and follow through was a different matter. To date, March 2, 2010 claims that I had sent in for an operation in December have not been paid.
I had put all information about my age and all previous health conditions. I had a by-pass done 10 years ago. The insurance agency gave me the insurance and was quick to charge me for their charges. No one likes to undergo hospitalization and no one expects or wants a heart attack. Unfortunately when that happens, the Insurance agency should step up to the plate and pay promptly not subject the patient to more tension by not paying the bills.
This company chose to interpret my claim as a trip interruption rather than a missed connection, which it clearly was. Even at that, they refused to cover more than one day even though the delay was 28 hours. They put me through several rounds of paperwork which had nothing to do with the claim before they would even pay $150.
We never got to take the trip. The tour provider cancelled it less the three weeks prior to departure. They refused to refund our money. We submitted a claim with Seven Corners and they refused to pay as well. The policy clearly states "Trip Cancellation: tour cost up to $20,000". The trip was cancelled, so where is our money?
We missed our international connection due to weather and the airline could not reschedule us for 2 days. We had to pay for our own hotel and had a non refundable reservation in Norway.
I called the insurance # and was told we would have to file a claim when we completed our trip.
I completed all the paper work and sent the copies requested. I was concerned because there had not been any communication via email etc.
But about 3 weeks later I received a letter confirming the our claim had been approved and a check was on the way.
We were very pleased!
Just before I left I was informed that 'death of a family member" was NOT a covered event as it was a "pre-existing condition". What nonsense.It made it clear there was no intention to respect or pay any claim.
The information was sent in a timely manner.
The company has been extremely uncooperative. They ask for more and more documentation. Some of the documents have been repetitive. I have yet to receive any of my money back. I have spent hours on the phone and have sent them many faxes to no avail. They were happy to take my money but are unwilling to work with me to get it back.
I was not able to complete my trip due to surgery. My claim was submitted prior to my surgery but it took over three months, with many delays, unreturned phone & email calls & incorrect information provided to finally receive my check. I suggest you find another insurer.
Our baggage was delayed for almost four days during our trip to Morocco. Emails to seven corners was of no assistance. My daughter in the US was able to locate our luggage with hours.
Our first claim submission was "lost" by an employee no longer with the company. We sent duplicate forms and the company has taken over a month without a response. Phone call revealed that they were refusing to honor our claim because we did not have a police report which would have been filed from a tent in the Sahara after we received our luggage. Totally ridiculous! Would never use them again and will advise our friends to do the same. Any help will be appreciated.
Service before the scheduled trip was excellent. However, some of the assurances given by the sales representative are now in question by the claim agent.
Trip was not taken due to health issues by Virginia Lowe
After assurances by the sales representative that money would be refunded, the claim was denied by the insurance carrier claims analyst. An appeal is being prepared.
The customer service is great while getting your insurance. They are very nice and friendly. The documents took about 10-14 days longer than I was told before I received them by snail mail. Due to circumstances beyond my control, the tour group had to raise my travel price after I paid in full to cover the trip home. The customer service was great in telling me I qualified for the refund based on what happened.
I did not need to utilize the trip insurance during my trip. I was however anxious about the claim submitted prior to the trip. They did not respond to emails sent, or answer their phone when I would call. There was plenty of time for them to have responded one way or another regarding the claim before my trip.
We selected your company to purchase insurance from because of Clark Howard's recommendation. We would not recommend or purchase from your company again. We will let Clark Howard know about our experience.
We had purchased our insurance based on the total price we were given for our tour. Approximately 6 weeks prior to the tour, and after we had paid the insurance and the tour in full, the tour raised our price on the flight tickets due to circumstances beyond their control.
We called and talked to a representative from your company, and submitted a claim based on their suggestion to do so. They gave us acknowledgement of receipt on Nov. 5, 2012. You denied our claim saying we didn't have full coverage for the tour, when in fact we did prior to the tour raising the price on the flight tickets. We thought that was very deceptive and a poor excuse to deny our claim. If the representative knew the claim was going to be denied because we now needed to purchase more insurance coverage why was that not mentioned?
In our opinion, the claim was not satisfied. The customer service could have been better. I talked to 3 or 4 people explaining the circumstances about what happened, and kept getting passed off to someone else. The last person I talked to told me to submit a claim as it would be covered.
By not covering my claim that should have been, and really, is $160 going to break your company, I feel this insurance company took advantage of us. What would have happened had we had a more serious claim to file.
We were not satisfied.
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