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	<title>Comments on: Prime Travel Protection trustee: We&#8217;ll pay claims &#8220;to the greatest possible extent&#8221;</title>
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	<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/</link>
	<description>Consumer advocate Christopher Elliott&#039;s site.</description>
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		<title>By: Anonymous</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-92872</link>
		<dc:creator>Anonymous</dc:creator>
		<pubDate>Sat, 28 Jan 2012 18:11:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-92872</guid>
		<description>I am new to this, but I got royally screwed by this company back in 2008, when my now deceased husband and I had to cancel our trip/cruise to Hawaii due to my husbands recurring cancer and new round of chemo treatments. I am owed about  $5000.00 .We went through all the proper channels and still did not get a refund. My husband passed away in May of 2008. I kept getting letters telling me I would be getting my refund, but of course they lied. Then I got a letter saying I would get it in 5 years. Well it is almost 5 years and haven&#039;t even gotten any follow up letters. I am glad I didn&#039;t hold my breath!!</description>
		<content:encoded><![CDATA[<p>I am new to this, but I got royally screwed by this company back in 2008, when my now deceased husband and I had to cancel our trip/cruise to Hawaii due to my husbands recurring cancer and new round of chemo treatments. I am owed about  $5000.00 .We went through all the proper channels and still did not get a refund. My husband passed away in May of 2008. I kept getting letters telling me I would be getting my refund, but of course they lied. Then I got a letter saying I would get it in 5 years. Well it is almost 5 years and haven&#8217;t even gotten any follow up letters. I am glad I didn&#8217;t hold my breath!!</p>
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		<title>By: Weejackie</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-71518</link>
		<dc:creator>Weejackie</dc:creator>
		<pubDate>Thu, 02 Jun 2011 23:29:00 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-71518</guid>
		<description>Almost three years have passed since my claim has been submitted.
I have yet to hear if my claim has been &#039;approved&#039;.
Since I am Canadian I expect that my claim will be somewhere near the bottom of the list. &#039;He can&#039;t afford to challenge us in the States&#039; sort of thing.
Considering I was having my abdomen opened up and a tumor being removed at the time the cruise ship I was supposed to sail on had left  port, wouldn&#039;t you think that this is an automatic yes as to being an &#039;approved&#039; claim?
Yes I sent all kinds of documentation with a number of doctors kind enough to substantiate my incapacity to travel.
I am willing to bet either I will not hear another word from this outfit or else they will stall even more by demanding that I send more medical information.
Do I feel cheated? damn right I do. As a senior who worked hard to have a decent retiral I feel that I was taken advantage of by this outfit who willingly took my money knowing that they were going under.</description>
		<content:encoded><![CDATA[<p>Almost three years have passed since my claim has been submitted.<br />
I have yet to hear if my claim has been &#8216;approved&#8217;.<br />
Since I am Canadian I expect that my claim will be somewhere near the bottom of the list. &#8216;He can&#8217;t afford to challenge us in the States&#8217; sort of thing.<br />
Considering I was having my abdomen opened up and a tumor being removed at the time the cruise ship I was supposed to sail on had left  port, wouldn&#8217;t you think that this is an automatic yes as to being an &#8216;approved&#8217; claim?<br />
Yes I sent all kinds of documentation with a number of doctors kind enough to substantiate my incapacity to travel.<br />
I am willing to bet either I will not hear another word from this outfit or else they will stall even more by demanding that I send more medical information.<br />
Do I feel cheated? damn right I do. As a senior who worked hard to have a decent retiral I feel that I was taken advantage of by this outfit who willingly took my money knowing that they were going under.</p>
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		<title>By: Reunion V Updates &#171; Reunion5updates&#039;s Blog</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-43355</link>
		<dc:creator>Reunion V Updates &#171; Reunion5updates&#039;s Blog</dc:creator>
		<pubDate>Thu, 08 Jul 2010 17:56:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-43355</guid>
		<description>[...] a trustee claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they&#8217;d be paid to &#8220;the greatest possible extent&#8221; over the next three [...]</description>
		<content:encoded><![CDATA[<p>[...] a trustee claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they&#8217;d be paid to &#8220;the greatest possible extent&#8221; over the next three [...]</p>
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		<title>By: Reunion V Updates July 2010 &#124; Medicalreunion&#039;s Blog</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-43158</link>
		<dc:creator>Reunion V Updates July 2010 &#124; Medicalreunion&#039;s Blog</dc:creator>
		<pubDate>Mon, 05 Jul 2010 18:15:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-43158</guid>
		<description>[...] a trustee claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they&#8217;d be paid to &quot;the greatest possible extent&quot; over the next three [...]</description>
		<content:encoded><![CDATA[<p>[...] a trustee claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they&#8217;d be paid to &#8220;the greatest possible extent&#8221; over the next three [...]</p>
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		<title>By: Ronda</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-23825</link>
		<dc:creator>Ronda</dc:creator>
		<pubDate>Sun, 06 Sep 2009 21:46:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-23825</guid>
		<description>its so wonderful to hear that as far as ethics are concerned this &quot;travel assurance&quot; company don&#039;t give two hoots. and then have the nerve to act like they&#039;re the victims. the poeple who buy travel insurance are a majority of elderly people and people who are ill. they need to have the garentee that if for whatever reason they can&#039;t take the trip they&#039;ve booked they will at least get the money they put towards that trip. these are people who have absolutly no extra money. 
i sincerely hope that these frauds are taken to court and punished to the full extent of the law. 
and as mr. baxter said, maddoff is probably lonely. and i&#039;m sure the world would be more than happy to deliver him a fraud to be his roommate.</description>
		<content:encoded><![CDATA[<p>its so wonderful to hear that as far as ethics are concerned this &#8220;travel assurance&#8221; company don&#8217;t give two hoots. and then have the nerve to act like they&#8217;re the victims. the poeple who buy travel insurance are a majority of elderly people and people who are ill. they need to have the garentee that if for whatever reason they can&#8217;t take the trip they&#8217;ve booked they will at least get the money they put towards that trip. these are people who have absolutly no extra money.<br />
i sincerely hope that these frauds are taken to court and punished to the full extent of the law.<br />
and as mr. baxter said, maddoff is probably lonely. and i&#8217;m sure the world would be more than happy to deliver him a fraud to be his roommate.</p>
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		<title>By: 6 tips to avoid travel insurance scams &#124; CURRENT NEWS</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-18661</link>
		<dc:creator>6 tips to avoid travel insurance scams &#124; CURRENT NEWS</dc:creator>
		<pubDate>Thu, 09 Apr 2009 15:14:48 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-18661</guid>
		<description>[...] a trustee claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they&#8217;d be paid to &#8220;the greatest possible extent&#8221; over the next three [...]</description>
		<content:encoded><![CDATA[<p>[...] a trustee claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they&#8217;d be paid to &#8220;the greatest possible extent&#8221; over the next three [...]</p>
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		<title>By: News4youth &#187; 6 tips to avoid travel insurance scams</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-18634</link>
		<dc:creator>News4youth &#187; 6 tips to avoid travel insurance scams</dc:creator>
		<pubDate>Tue, 07 Apr 2009 16:08:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-18634</guid>
		<description>[...] a trustee claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they&#8217;d be paid to &#8220;the greatest possible extent&#8221; over the next three [...]</description>
		<content:encoded><![CDATA[<p>[...] a trustee claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they&#8217;d be paid to &#8220;the greatest possible extent&#8221; over the next three [...]</p>
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		<title>By: Tim Sheline</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-18594</link>
		<dc:creator>Tim Sheline</dc:creator>
		<pubDate>Sun, 05 Apr 2009 17:20:55 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-18594</guid>
		<description>The blogs are nice, but is there anyone out there who can lead us towards legal action?  Has the AG of Florida been contacted?  It seems to me the companies that used Traveler Protection Services, Inc. are within Florida and some legal action from the state of Florida can be started, class action or otherwise.</description>
		<content:encoded><![CDATA[<p>The blogs are nice, but is there anyone out there who can lead us towards legal action?  Has the AG of Florida been contacted?  It seems to me the companies that used Traveler Protection Services, Inc. are within Florida and some legal action from the state of Florida can be started, class action or otherwise.</p>
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		<title>By: tripso.com &#124; Fake travel insurance? 6 questions to ask before buying a policy</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-18510</link>
		<dc:creator>tripso.com &#124; Fake travel insurance? 6 questions to ask before buying a policy</dc:creator>
		<pubDate>Tue, 31 Mar 2009 11:09:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-18510</guid>
		<description>[...] claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they’d be paid to “the greatest possible extent” over the next three [...]</description>
		<content:encoded><![CDATA[<p>[...] claiming to represent the three bankrupt insurance companies, holders of approved claims were assured that they’d be paid to “the greatest possible extent” over the next three [...]</p>
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		<title>By: Diane</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-18434</link>
		<dc:creator>Diane</dc:creator>
		<pubDate>Thu, 26 Mar 2009 20:29:02 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-18434</guid>
		<description>My mother took insurance through Legendary Journey travel agency back in April 2008. We were still fighting this claim with Travel Protection Services. We were never informed they went bankrupt. I found this blog when I googled the name. My mother is 77 year old woman who used her life savings to book this cruise - she took ill and could not go with her sister and brother in-law (all booked together, they still went). Now she is out $2500.00. I retained a lawyer. I do think Legendary Journey should be assisting my mother in getting her refund, they are the ones that sold her this insurance. Anyone have advice?</description>
		<content:encoded><![CDATA[<p>My mother took insurance through Legendary Journey travel agency back in April 2008. We were still fighting this claim with Travel Protection Services. We were never informed they went bankrupt. I found this blog when I googled the name. My mother is 77 year old woman who used her life savings to book this cruise &#8211; she took ill and could not go with her sister and brother in-law (all booked together, they still went). Now she is out $2500.00. I retained a lawyer. I do think Legendary Journey should be assisting my mother in getting her refund, they are the ones that sold her this insurance. Anyone have advice?</p>
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		<title>By: Katy</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-18406</link>
		<dc:creator>Katy</dc:creator>
		<pubDate>Wed, 25 Mar 2009 00:30:01 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-18406</guid>
		<description>I received a letter dated 2/23/09 from Prime Travel Protection, inc. It addresses a) Holders of approved claims for contracts issued by traveler Protection Svcs.
b) Holders of approved claims for contracts issued by Prime Travel Protection.
It states that Prime travel and Universal Assurance Group have terminated active business operation as of 1/26/09 and no new contracts have been issued. It states that if you&#039;ve been approved for payment, you&#039;ll be paid over 3 yrs. If you haven&#039;t been approved as of yet, you will be paid over 5 yrs. It also states that jerry Watson has committed to make a series of capital contributions over a period of 60 mos. It is signed by the Counsel for Prime Travel Protection, Inc/ Universal Assurance Group, LTD/ Traveler Protection Svcs.
I think this is just a ruse so we&#039;ll keep our mouths shut.</description>
		<content:encoded><![CDATA[<p>I received a letter dated 2/23/09 from Prime Travel Protection, inc. It addresses a) Holders of approved claims for contracts issued by traveler Protection Svcs.<br />
b) Holders of approved claims for contracts issued by Prime Travel Protection.<br />
It states that Prime travel and Universal Assurance Group have terminated active business operation as of 1/26/09 and no new contracts have been issued. It states that if you&#8217;ve been approved for payment, you&#8217;ll be paid over 3 yrs. If you haven&#8217;t been approved as of yet, you will be paid over 5 yrs. It also states that jerry Watson has committed to make a series of capital contributions over a period of 60 mos. It is signed by the Counsel for Prime Travel Protection, Inc/ Universal Assurance Group, LTD/ Traveler Protection Svcs.<br />
I think this is just a ruse so we&#8217;ll keep our mouths shut.</p>
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		<title>By: Harry Baxter</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-18106</link>
		<dc:creator>Harry Baxter</dc:creator>
		<pubDate>Sat, 14 Mar 2009 13:42:39 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-18106</guid>
		<description>I understand that Bernie Madoff may be looking for a roommate.</description>
		<content:encoded><![CDATA[<p>I understand that Bernie Madoff may be looking for a roommate.</p>
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		<title>By: Hamilton</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-17992</link>
		<dc:creator>Hamilton</dc:creator>
		<pubDate>Tue, 10 Mar 2009 19:38:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-17992</guid>
		<description>Responding to Chris Elliot&#039;s question (March 3 at 10:00 a.m.) the answer is yes. Nothiing is said in the notice about bankruptcy and to cease &quot;active business operations&quot; does not mean they cannot be restarted at any time. Mr. Watson apparently wants it to appear to be written by a bankruptcy trustee in much the same way as he wanted his &quot;protection plans&quot; to be mistaken for insurance.

After my wife and I were swindled by one of his &quot;insurance&quot; policies (clearly stated to be insurance by the agent, Anchors Away) I wrote a letter to the N.C. Dept. of Justice. Just the other day I received from them a copy of a letter Mr. Watson sent them in response. He writes that he takes offense to my statements about his operation.and intends to &quot;pursue with legal action if necessary.&quot; To this end he confides that he has already met with a Mr. Dorman, who it would appear is some sort of attorney, although he doesn&#039;t actually call him that. The way things appear to be means a lot to Mr. Watson.

In the same letter he states, and I quote him verbatim: &quot; A letter from the treating physician is insufficient evidence to properly adjudicate a claim. Medical records cannot be altered and are a correct statement of fact.&quot; The problem is that he apparently has his own medical experts who are better than the &quot;treating physician&quot; when it comes to determining just what the facts are. (See his conversation with Chris Elliot,) If the truth were known, these experts are probably he and his wife going over the claims together.

Frankly, I think the man&quot;s not right in the head. Maybe we can have him put away somewhere--a place where he can get some rest.</description>
		<content:encoded><![CDATA[<p>Responding to Chris Elliot&#8217;s question (March 3 at 10:00 a.m.) the answer is yes. Nothiing is said in the notice about bankruptcy and to cease &#8220;active business operations&#8221; does not mean they cannot be restarted at any time. Mr. Watson apparently wants it to appear to be written by a bankruptcy trustee in much the same way as he wanted his &#8220;protection plans&#8221; to be mistaken for insurance.</p>
<p>After my wife and I were swindled by one of his &#8220;insurance&#8221; policies (clearly stated to be insurance by the agent, Anchors Away) I wrote a letter to the N.C. Dept. of Justice. Just the other day I received from them a copy of a letter Mr. Watson sent them in response. He writes that he takes offense to my statements about his operation.and intends to &#8220;pursue with legal action if necessary.&#8221; To this end he confides that he has already met with a Mr. Dorman, who it would appear is some sort of attorney, although he doesn&#8217;t actually call him that. The way things appear to be means a lot to Mr. Watson.</p>
<p>In the same letter he states, and I quote him verbatim: &#8221; A letter from the treating physician is insufficient evidence to properly adjudicate a claim. Medical records cannot be altered and are a correct statement of fact.&#8221; The problem is that he apparently has his own medical experts who are better than the &#8220;treating physician&#8221; when it comes to determining just what the facts are. (See his conversation with Chris Elliot,) If the truth were known, these experts are probably he and his wife going over the claims together.</p>
<p>Frankly, I think the man&#8221;s not right in the head. Maybe we can have him put away somewhere&#8211;a place where he can get some rest.</p>
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		<title>By: Al</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-17926</link>
		<dc:creator>Al</dc:creator>
		<pubDate>Sat, 07 Mar 2009 19:46:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-17926</guid>
		<description>@Ben99

Sorry for the typo above...I meant  to write, Don&#039;t expect the agents to acknowledge anything. As far was the law related to underwriting - if the insurance company is authorized to operate in a particular state by licensure, they will have an underwriter. Stew Carrier of Legendary Journeys wrote on this blog that PTP was underwritten by MaxBermuda. Max Bermuda is a legitimate company and has never had any relationship with PTP. How do I know? I called them and asked. Access America is also a legitimate company. I believe Legendary Journeys began using Access America when they realized that PTP was an illegal entity. Of course, they also sold their clients Trip Assured&#039;s illegal policies - I guess they didn&#039;t learn their lesson. As far as Ceila is concerned...when I called PTP last summer they told me Ceila was a company somewhere in the South Pacific!</description>
		<content:encoded><![CDATA[<p>@Ben99</p>
<p>Sorry for the typo above&#8230;I meant  to write, Don&#8217;t expect the agents to acknowledge anything. As far was the law related to underwriting &#8211; if the insurance company is authorized to operate in a particular state by licensure, they will have an underwriter. Stew Carrier of Legendary Journeys wrote on this blog that PTP was underwritten by MaxBermuda. Max Bermuda is a legitimate company and has never had any relationship with PTP. How do I know? I called them and asked. Access America is also a legitimate company. I believe Legendary Journeys began using Access America when they realized that PTP was an illegal entity. Of course, they also sold their clients Trip Assured&#8217;s illegal policies &#8211; I guess they didn&#8217;t learn their lesson. As far as Ceila is concerned&#8230;when I called PTP last summer they told me Ceila was a company somewhere in the South Pacific!</p>
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		<title>By: Al</title>
		<link>http://www.elliott.org/blog/prime-travel-protection-trustee-well-repay-claims-to-the-greatest-possible-extent/comment-page-1/#comment-17924</link>
		<dc:creator>Al</dc:creator>
		<pubDate>Sat, 07 Mar 2009 16:50:28 +0000</pubDate>
		<guid isPermaLink="false">http://www.elliott.org/?p=5913#comment-17924</guid>
		<description>Don&#039;t except those named above to acknowledge anything. They have refused to comment on their previous relationships with any of these bogus companies and I doubt they would admit to what they may have told their clients. Read the statutes and it is clear Florida can come down hard on these travel agents and I am sure they are aware of what fate may await them.</description>
		<content:encoded><![CDATA[<p>Don&#8217;t except those named above to acknowledge anything. They have refused to comment on their previous relationships with any of these bogus companies and I doubt they would admit to what they may have told their clients. Read the statutes and it is clear Florida can come down hard on these travel agents and I am sure they are aware of what fate may await them.</p>
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