Administrative Concepts, Incorporated
Reviews and Complaints

My son purchased a travel package for his high school band trip to Washington DC prior to the Corona Virus outbreak. For this package, he also purchased a travel insurance policy from a well-known insurance company. The trip was cancelled due to school closure, closures in Washington DC of most venues, and inability to travel due to general lockdowns of populations across the country. At the time of the trip, students were quarantined to their homes under a general population lockdown (stay at home policy) enacted by the Alabama State government. We tried to file a claim with the insurance company but it was denied, stating that the Covid-19 pandemic was not a valid reason to refund the trip fees.

My husband and I purchased travel insurance for a cruise vacation through a well-known insurance provider, a part of Administrative Concepts, Inc, and have recently attempted to be reimbursed for our vacation costs. To say all dealings with this company have been an utter nightmare is an understatement. Unfortunately, we had to cancel our cruise under the recommendation of my physician. Our cruise was supposed to take place during a highly infectious period of the COVID-19 pandemic. I am currently pregnant, which places me (and my unborn child) in an immunocompromised and high-risk health category. My OB/GYN strongly advised that I should not travel and that I should cancel my cruise. I obtained a physician's letter stating this on that very day.

After filling out the massive insurance claims form, I was asked by a representative of the insurance company for more details. I very promptly answered each of her questions and even got a more detailed physician's note documenting that I was following CDC and the practice's guidance. After sending all of this information back, my claim was denied. My husband and I have read through our policy and nowhere is my situation/condition outlined as a reason for my claim not being approved. We immediately filed an appeal with the insurance provider. I then was asked for additional information two more times. This tells me there were things that could've led to my claim being approved before the original denial. I have complied with all of their absurd requests, even when some of the information they are asking for is quite frankly none of their business.

It has been weeks since I sent all additional information back and I have not been contacted at all. My husband and I call and leave messages at least a half a dozen times each week and we have continued sending emails—none of which have received any sort of response. Bottom line: my insurance claim should be fully covered under my purchased policy due to a medical condition, and this company is unjustly trying to do everything in their power to deny it.

My Complaint involves health issue that caused me to be rushed to ER on numerous occasions, 12/16 - mid part of 02/20. According to reading the info from their contract stated from their contract: It states ER Visit- Benefits Pays if an accident or Sickness causes the Covered Person to require and receive Emergency Medical Care in an Emergency Room of a Hospital Treatment it must be received in a 24hrs of the accident. Based upon the information by contact to me from the Hospital, this Insurance refused to pay the Billing upon receiving the information billed to them Cardinal Insurance/ MyBenefitsKeeper. Now I'm stuck with the Bill's, and am retired, and really upset at the fact of being misled by their actions in this matter.