Access America / Claim Denial
On July 12th, 2008 at the end of my weeklong ski vacation in Portillo, Chile, my tour operator cancelled all transporation service due to a storm that forced all roads out of the resort to shut down. I called Access America to confirm coverage immediately after finding out about the interruption and was assured that the situation would be covered under my policy. This caused me to stay an extra night at the hotel, spend an extra night at my connection city and spend additional fees for changing my flight. Upon returning home from my trip, I turned in all the required documents which was immediately denied. I immediately filed a complaing with the California Dept. of Insurance for their practice of denying claims without just cause. I offered to request a new letter from the tour operator stating the situation to more closely match how the verbage of the policy was but was told that I had to go through their appeals board. Their appeals board stated that the tour operator would have to cease their entire service for my situation to apply, so basically, had this been an airline cancelling a flight, they could claim that the airline would have to shut down completely for them to pay a claim.
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