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Ski Pass Insurance Claims through Travel Guard? - Page 2

post #31 of 43
Quote:
Originally Posted by bkoenig View Post
 

Thanks for the additional feedback. I have appealed this with Liftopia and Travel Guard, but neither has contacted me. In the last 2 days I've spoken with 2 analysts that are unable to make any adjustments to my claim and I've left 2 voicemails for supervisors. I've also reached out to socialmedia@travelguard.com twice and have not had a response. This has already "cost" me and Travel Guard more than the additional $251 that I'm requesting. I feel I have no option but to take this to Small Claims Court.

 

Trekchik - I'll keep my "dirty laundry" as clean as possible. I'm primarily looking for someone that has received a refund on a Mountain Collective Pass based on the # of days used or anyone that has fought this in Small Claims Court before and has any advice.

 

gramboh - Our first doctors visit was when my wife was 7 weeks pregnant and we could see the heartbeat on an ultrasound. I contacted Travel Guard 1 week later.

 

oldgoat - I agree with your analysis regarding a pro-rated season pass. I bought a pass that came with 12 days to be used throughout the season and my wife was unable to use any days due to a covered condition.

 

 

 

 

 

I was not criticizing this thread or the information you've provided.  This is a Ski Discussion community which is where you should ask such questions. 

Quite frankly, I was encouraged by the fact that someone from Travel Guard took the time to register and post here.  If he/she had given you some kind of answer to you, good or bad, in this discussion or via private communication.........well I'm just disappointed in them that they didn't follow through on communication. 

post #32 of 43
Quote:
Originally Posted by raytseng View Post
 

I don't really understand this.  "Shoulda and woulda"  is different from what's there though.  We don't get to live in a world of shoulda and wouldas unless something conflicts with another higher precedence law.    

 

Like if you go to the ski resort and say a lift tickets should only cost $30, so that's what I'm going to pay you, that doesn't happen.

 

Perhaps you can guilt them to change the policy for next year, or go on a campaign to inform people to be clear what the contract really says.  But if you don't like a policy you don't get to just pick what parts you agree too and what you don't.  You either just take it or leave it as it is.

That's exactly the point of my post. Doesn't help the OP, I know. Let me put it in a way I hope you can understand: the insurance is a ripoff. Don't buy it unless TG changes the policy.

 

For what it's worth I travel a fair bit and I have bought travel guard policies from time to time but more to deal with unexpected expenses that might arise during a trip, such as medical issues, flight delays requiring expensive hotel stays, a family emergency requiring exorbitant last minute plane fares, etc. The money I've already spent is spent, and although it's nice to get it back, that's not the point of the insurance. (Now, can someone explain to me why I convinced my son to buy an extended warranty on his used Audi that still has a couple of years left on the original warranty. Having regrets about that one.)

post #33 of 43
Thread Starter 

I was able to speak with a supervisor from Travel Guard Quality Assurance today. She was helpful and we spoke at length about the wording of the policy and how coverage/reimbursements are set up. Based on the wording of the policy, we each understand the others position.

 

There's a couple points on the policy that we're interpreting differently and she offered to look into it further and will follow up with me later this week. At this point, it went as well as I could have hoped.

post #34 of 43
Thread Starter 

There's a major difference in the 2013/14 policy vs. the 2014/15 policy regarding the definition of Season Pass Cancellation. If you file a claim, pay close attention to the wording of your policy and see how it applies to your situation. 

 

2013/14 POLICY (Mountain Collective)

Season Pass CANCELLATION Benefits: The Insurer will reimburse the Insured for forfeited Trip Cost up to the Maximum Limit shown on the Schedule for Trips that are canceled prior to the scheduled departure for their Trip due to the Unforeseen events shown above. 

 

2014/15 POLICY (Mountain Collective)

Season Pass CANCELLATION Benefit: The Company will reimburse the Insured for the full Forfeited, pre-paid cost for a Season Pass that is canceled prior to the start of the season due to any of the Unforeseen events shown above. A Season Pass must be surrendered immediately when a claim is filed.
 

One phrase on many policies is that "(reimbursement) will be provided for the pro-rated cost of the unused portion of the season pass". I've asked how this is converted into a formula, but it has not been provided by Travel Guard.

post #35 of 43
What the hell dies Trip Cost mean in the former? It looks like some bastardized wording that's fallen out of a travel policy.

I think one of your key problems is that TG busked this policy without really tailoring it to how the MCP would be used. It's a foul against the MC resorts who've ultimately marketed an add- on which may not be fit for purpose but I think you'll struggle to raise a class action for the misselling of 20 $ a pop.
post #36 of 43
Thread Starter 

Haha, when you pay close attention to every word, it seems like someone might have copy/pasted some incorrect info. Either way, I'm bound to the 2013/14 policy.

 

I'm not looking to go class action. I'm seeking a refund for the full purchase price since we had an "unforeseen event" in January, which caused my wife to "cancel (her season pass) prior to the scheduled departure for our trips" in February and March.

 

Hopefully Liftopia can negotiate a better purchase price, or coverage, for pass insurance. It shouldn't cost the same price ($20) to insure a $350-$400 pass (Mountain Collective) as it does to insure a $700-$800 pass (Epic, Mammoth, etc.).

post #37 of 43

Your $20 isn't really pro rata to the sum insured - it's simply a number TG will claim is their general admin cost of writing a policy with a small element attaching to the sum insured.  All you are saying is that there is better value (still pretty poor IMO) in insuring a more expensive pass.    Mathematically you might find the average payout under either pass is infinitessimally small so actual "reserves" that need to be held against payout are similar.

post #38 of 43
Yea, these financial instruments try to get away with what the market will bear. Nobody else is in the game, so they set the price to maximize revenue (not taking into account payouts).

Its like the absurd prices for souvenir photos. It has no relation to the background cost of the product, just what the market will bear.
post #39 of 43
Thread Starter 

I was finally able to get a full refund based on an "injury/unforeseen event" in September 2013 and a note from my wife's doctor. It was a pain in the ass and the time spent negotiating with Travel Guard doesn't justify the $349 refund, but it's over and I'm satisfied with the outcome.

 

For anyone considering pass insurance, read the policy very closely for what is/is not covered and how Travel Guard determines the value of your pass throughout the season. The formula used by Travel Guard is not given on their policy (it's written by lawyers for lawyers), but you should get a full refund if you have an injury/unforeseen event that occurs prior to the start of the season. Once the lifts start spinning and the season starts (~ 11/15), don't expect any sympathy from Travel Guard. They will depreciate your pass as rapidly as possible through a combination of days used at full ticket window prices plus pro-rated days remaining in the season.

post #40 of 43
Glad it worked out.
post #41 of 43

Try that page on http://archive.org/web/

 

You may be able to see what was previously posted on that web page.

post #42 of 43
He got his money.
post #43 of 43
Quote:
Originally Posted by bkoenig View Post
 

I was finally able to get a full refund based on an "injury/unforeseen event" in September 2013 and a note from my wife's doctor. It was a pain in the ass and the time spent negotiating with Travel Guard doesn't justify the $349 refund, but it's over and I'm satisfied with the outcome.

 

For anyone considering pass insurance, read the policy very closely for what is/is not covered and how Travel Guard determines the value of your pass throughout the season. The formula used by Travel Guard is not given on their policy (it's written by lawyers for lawyers), but you should get a full refund if you have an injury/unforeseen event that occurs prior to the start of the season. Once the lifts start spinning and the season starts (~ 11/15), don't expect any sympathy from Travel Guard. They will depreciate your pass as rapidly as possible through a combination of days used at full ticket window prices plus pro-rated days remaining in the season.

 

 

Not sure I understand the logic - you said at the start of this thread that she became pregnant in January.  For convenience did Travelguard allow you to create a fictional September event or are you saying it took from September to January to be aware she was pregnant?  Anyway you've got your money so congratulations but it looks like you got it as a goodwill gesture rather than a contractual right.

 

More importantly enjoy your impending arrival.

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