Written by: Dan Drennen, Director of Sales and Marketing
Published: Sep 2, 2016
J.W. from Illinois asks: My client filed a trip cancellation claim because she became ill and could not make the trip. She didn’t get one cent back. She is not a happy person, and the circumstance does not make happy me either. Please look into this. Thank you.
This doesn’t sound good, does it? Why would they cheat this woman out of her money? I called up the insurance company’s claims department and discovered what the problem was — she didn’t get a doctor’s note. It was that simple. She thought she could just stay home, self-medicate her illness, and her trip cancellation coverage would kick in. Not true. Read your policy. It clearly states what must occur. Here’s the second item under Coverage A Trip Cancellation from her policy:
2. Your or a Family Member’s or a Traveling Companion’s or a Business Partner’s covered Sickness or Injury, which:
a) occurs before departure on Your Trip, b)requires Medical Treatment at the time of cancellation resulting in medically imposed restrictions, as certified by a Legally Qualified Physician, and c) and prevents Your participation in the Trip
I sympathize with this woman losing her money, but the rules are the rules. Did you ever need a doctor’s note for school, or a doctor’s note for work? Well, you apparently need a doctor’s note for insurance companies, too.
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