FloridaCharlie

Whoever you happen to be ?? I'm over it and know what I need to do to recover my justified claim. It's just a matter of principle to me. Certainly don't need any advice from you. You sound like an "apologist" and a "homer" for the insurance industry. Bye !!

Thanks for your response BUT please be advised that we know the difference between insurance coverages, primary and secondary coverages, submission of claims, etc, etc. My wife is retired from the Medical Field where she worked for many years as an RN. The bottom line is that this Travel Protection Plans like AON Affinity's make it difficult and discourage folks from filing small claims like ours for minor medical issues while traveling. AGAIN ! Hundreds of claimants couldn't be wrong, please. Check the facts. Rated 1.18 out of 5 in processing claim settlements, hundreds of complaints some going as far as calling the process a "Scam". I've already contacted the Cruise Line's Customer Relations Dept and they are looking at my claim closely. A Refund should be coming soon !

Thank You ! AON's rating tells the story. Rated 1.18 out of 5 by the BBB in their Headquarters Hometown. Thank God our (peanuts) claim is minimal ($118.00) But the principle of how legitimate and documented Travel MEDICAL claims are handled is disturbing.

Good Luck ! We do as well. I'm a Federal Government Retiree with excellent medical coverage here in the US. Medicare A & B plus a great secondary coverage provided by my Federal Assoc. Insurance. We pay 00 for Medical care here at home due to my coverage. BUT when we cruise, we still purchase the Platinum Protection Plan sold by the cruise line. They should recognize the fact that you purchase the coverage which gives them a profit margin as well, and recover the cost of the ONBOARD first aid treatment themselves and not place the charge on your onboard account. We are not talking an Emergency Medivac case or Hospitalization here. End of Story !

Really ! Well They are already admitting on the denial that they know Medicare will not pay for it. So, basically they are delaying having to pay the (peanuts) $118.00 claim. Medicare will not pay claims for Medical Services provided in the middle of the ocean by NON CERTIFIED providers. In this case, It was a very nice foreign Doctor working onboard the ship with no certification to practice medicine in the United States. Get the picture ! They know that. Basically they are making it difficult to settle a simple documented claim. In the meantime, Princess collects the nice premium for the plan way before you cruise and then if you have an injury onboard, they bill your onboard account for the cost of the Medical Service provided , living you with the task of battling with the Insurance Provider. This process needs to be addressed and changed. Period !

And you are right on the Money with the above statement. I usually don't complain much as we love Princess. We are Elite Cruisers and always purchase their Travel Protection Plan. (Never had to file a claim, until recently) I'll be brief with my issue. Recently returned from 30 days of cruising and my wife suffered a cut onboard the ship which required Medical attention. Two days after the incident, we received an invoice in our cabin for $118.00. Went down to the customer service desk on the ship to complain and was informed that I would have to file a claim with the insurance company when we got home. Princess went ahead and charged my onboard account for the Medical Services. Got home and file a documented claim for the small charge and after waiting several weeks, recently received a letter from AON denying payment until I have filed the claim with Medicare. REALLY ! They are even stating on the letter the following "While we are aware that Medicare usually does not cover foreign medical expenses your supplemental plan MAY cover the expense". This is all BS by the AON using a delay tactic to not pay the claim. They have not heard the end of this story from me yet as I intend to expose them for this "scam" they try to play on Seniors. Check out the BBB in the city where AON Headquarters is located and you'll find TONS of complaints from folks battling with them to settle claims. (They are rated at 1.18 from a 5) in settling claims for travel related issues. I have also filed a consumer complaint with Princess which is the one who collects the premiums for the coverages. Be Aware of these Tactics by Travel Insurance Providers !! Thank-you