I have an outstanding claim at Apn travel since September 2,2024. My husband got sick on a Regent cruise in Italy on 9/2/24 and was treated in the ship’s medical facility. I began filing the claim on 9/4/24. After sending all the medical records by email and return receipt requested several times I received a message to file with Medicare even though it is know that Medicare does not pay for claims out of the U.S. I submitted the Medicare denial and severalMonths later I was asked by Aon to file a claim with Emblem , my secondary insurance. It took several months for a response and I submitted their Denial of Benefits and was told that it was insufficient and they neede a FINAL D nail of Benefits. Emblem said thy had never heard of a FINAL denial of benefits although they would try to send me some this. I am waiting for this so I can submit it. I would never recommend thus company to anyone even if I finally have a settlement. I have been pursuing this for over a year and a half without resistance ltion
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