Seven Corners Insurance - They Don't Like to Communicate!
Posted by RTovell on 02/26/2011
Seven Corners insurance are utterly useless. After sustaining an injury last year I was taken to hospital and received some treatment. I submitted the paperwork three times by email over a course of six weeks and only after the third attempt did this pointless insurance company respond to confirm that they had received the documentation. I returned to the UK in December 2010 and requested they contact me at my UK address as it is somewhat difficult to read post across the Atlantic. Despite this request, the company proved themselves to be far too cheap to actually respond to my UK address. I have therefore had to have the mail forwarded to me by email. The company simply dismissed any claim out of hand, offering no justification for rejection and just listing the costs and stating “your policy does not cover this”. Well, having looked at my policy I was of the understanding (my basic grasp of the English language obviously not being sufficient to translate the tripe in a Seven Corners policy document) that I was indeed covered for an injury sustained on US soil.
Would I recommend Seven Corners? No. I telephoned them twice to: a) let them know a claim would be forthcoming and b) inquire as to the status of my claim. Both times I was spoken to like a grade A idiot by their less than complimentary staff. The pitiful response to my claim, both in terms of time and substance only serves to highlight how lazy and incompetent this joke of an insurance company is.
Even if I prove to be unsuccessful with my claim, the sheer lack of respect and effort they demonstrate when processing and responding to a claim for an “insured” person is, I feel, sufficient to back up my opinion fully.
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Don't Deal with Seven Corners Travel Insurance
Posted by Oftentraveler on 02/18/2011
CARMEL, INDIANA -- I bought a travel insurance policy from Seven Corners (through the Squaremouth Website)for $125. It covered both missed connections and travel delays. My plane was 8 hours late from Havana to Miami, and I missed the connecting flight home. I had to get a hotel room and a new ticket, in all spending $650 and getting home over 24 hours later than scheduled. When I filed the claim (I had called Seven Corners from Havana to report the delay and ask for the "emergency assistance" in rebooking that they advertise, and they told me "we don't do that") they first made me try to collect from the Charter airline, with many emails and calls back and forth that I had to provide to Seven Corners. When it became clear the airline wasn't going to pay, Seven Corners then demanded even more paperwork, including old/new itineraries (I had already sent old and new tix, and hotel receipts), certification from the travel agent that booked the trip, proof that I had originally purchased a non-refundable ticket, credit card statements and more. In all it amounted to 20 pages and took over 3 months of back and forth. Then they said they would not pay for a missed connection as it only applied to catching a cruise ship (that was not on the website when I bought the insurance but it has since been added. It was also not in the "certificate" which is the controlling document that you have to look up.) Further, they would only pay for a one day delay ($150) even though the delay was 28 hours in total, which is clearly longer than one day. Squaremouth called me after I posted a bad review on their site and promised to intervene, but in the end did nothing. So I wasted countless hours and much frustration to collect $25 more than I paid for the policy. I was out $625 and a lot of time. THIS IS A TERRIBLE COMPANY. THEIR BUSINESS MODEL IS TO WEAR THE CUSTOMER DOWN UNTIL SHE GIVES UP. SQUAREMOUTH IS NOT ANY BETTER -- THEY JUST WANT TO PROTECT THEIR OWN REPUTATION.
Read Company Response
Company Response on 02/21/2011: I apologize, you are clearly upset and frustrated with both Seven Corners and Squaremouth. We understand you are very unhappy with the way your claim was handled by Seven Corners.
Even though Squaremouth is the agent and not the company that makes claim payments, we do provide a mediation service when things go wrong. We pride ourselves on our many successes mediating claims disputes between our customers and insurance companies. However, sometimes claims do not get settled to the customers satisfaction. We should have done a much better job of guiding and helping you through this process.
Our records show you were reimbursed $150 of your claim. To this end, Squaremouth has issued you a check to cover the outstanding amount of $476.11. We have also added a further $500 to compensate you for our failure to ease your frustration during your claim with Seven Corners.
In this case, we fought long and hard on your behalf. After reviewing the documentation from Seven Corners and yourself, we agreed with the insurance carrier that their policy wording had been followed correctly.
Once again, we unreservedly apologize for our failure to make this process less frustrating. We should have done a much better job of explaining how and why Seven Corners came to their decision. I hope the compensation check goes some way to make up for that.
If there is anything we can do for you or any further information we can provide, please call me at any time, I will be delighted to spend as much time with you as necessary.