Cancelled Week with II with Purchased Insurance

[riverdees05 Platinum Contributor Find all posts View Profile Close riverdees05]

On Monday, called II Insurance and was transferred to the adjuster area, no one home so had to leave a message. They called back yesterday and left me a message saying that my claim was denied. I am calling II today to see if I can go ahead and get my replacement week or if they have to wait for the official word from their insurance department. Of course, my year started when I cancelled the exchange, so I will probably only end up with 11 months to use it.

[longtimer Senior Member Find all posts View Profile Close longtimer]

At least you aren't losing out on a week. Sorry for so much hassle. I had no idea that the only way you could get money back was for a medical emergency. In young, healthy families, the chance for this is pretty slim. Does that mean that it doesn't make sense for most people to buy the insurance (especially if you can get your week back with or without the insurance)? Perhaps I am misunderstanding the whole concept.

[GrayFal Silver Contributor and supermoderator Find all posts View Profile Close GrayFal]

On Monday, called II Insurance and was transferred to the adjuster area, no one home so had to leave a message. They called back yesterday and left me a message saying that my claim was denied. I am calling II today to see if I can go ahead and get my replacement week or if they have to wait for the official word from their insurance department. Of course, my year started when I cancelled the exchange, so I will probably only end up with 11 months to use it.

If you really need the extra month of use for your cancelation replacement, I would push the point that although you did cancel one month ago, the insurance people took all ths time to deny your claim - which is actually true!

If it doesn't matter - then leave it be.

[riverdees05 Platinum Contributor Find all posts View Profile Close riverdees05]

Talked with II today and they said they couldn't do anything till they got the official letter from the insurance group. They also, told me that I could fax them a copy of the letter, since I would probably get mine before they get theirs.

[riverdees05 Platinum Contributor Find all posts View Profile Close riverdees05]

Haven't received the letter yet, but looked in my account and the replacement week showed up and it was dated April 23, 2010 and good to use till
April 23, 2011.

[GrayFal Silver Contributor and supermoderator Find all posts View Profile Close GrayFal]

Haven't received the letter yet, but looked in my account and the replacement week showed up and it was dated April 23, 2010 and good to use till
April 23, 2011.

Glad to hear it.

[wackymother Senior Member Find all posts View Profile Close wackymother]

So...with II insurance, is illness the only allowable reason for a claim? You have the insurance, you get the week back with its trading power, but unless you're sick, you don't get any money back--is that right? And it has to be YOU, the traveler, who gets sick? How about your spouse or kids or anyone who was going to be traveling with you?