This company straight up lies about what its policy says and when I point out what their policy actually says, they don’t respond to my emails at all and consider the case “closed.” I honestly think there could be a class action suit against them.EDIT AFTER THEIR RESPONSE BELOW: I’m not sure if the FanShield customer service reps are confused chat bots or lying humans, but either way, their response below is just a straight up lie. I’ll copy and paste my email to them, which pointed out that the documents I signed and agreed to, did NOT contain the conditions they claim it did. In fact, when I emailed them the exact paragraphs, screenshots of the contract, etc., showing that their conditions were NOT agreed to, they closed my ticket. My email is below: “Hi, you say this, but the below paragraph you “cite” regarding the childbirth proof of loss is nowhere to be found in the actual policy that I agreed to. See attached 1) screenshot of the policy with the search function highlighting that this is the only reference to childbirth in the entire document and 2) attached screenshot with the entire Part VI section, which does not define proof of loss as you do below. So where, exactly, did I agree to provide a birth certificate as proof of loss when I entered into this contract? I would further point out that the bottom bullet point of IV(A)(I) (the “childbirth” bullet point) only states that “[y]ou will be attending an immediate family’s childbirth at the time of the event.” This bullet point contains absolutely no other conditions or requirements. Compare this to the bullet point directly above it, for instance, which specifically does place conditions on the exercise of that circumstance. Likewise, multiple other bullet points in IV(A)(I) specifically provide conditions to being able to exercise the use of that circumstance, such as requiring a physician visit. The specific inclusion of conditions on other circumstances in the exact same section as the childbirth bullet point logically implies that if there was a certain condition that needed to be met, such as the condition that the birth needed to have already occurred, it would have been listed in the paragraph just as the physician requirement was listed for a separate circumstance. You seem to have conjured up the childbirth requirements on a whim in your email below, presumably in the hopes that people won’t actually read the policy they signed and just take your word for it. So once again, I ask you, can you show me exactly where I agreed to the conditions below? From my reading of the policy terms, the “proof of loss” absolutely does not require what you say it does, and in fact, it leaves the definition fairly broad so it seems to me that it it up to someone’s discretion what “counts” as proof of loss. I would ask that you put me in contact with the person whose discretion that is.”
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