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    ComplaintsforStarr Insurance Companies

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    Complaint Details

    Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.

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    Complaint Status
    Complaint Type
    • Complaint Type:
      Service or Repair Issues
      Status:
      Unanswered
      On February 4th 2024 i purchased travel insurance for myself my wife and child.Our trip on 3/22/24 was delayed by mechanical plain issues for 26 hours.Insurance company is creating new exceptions to not pay what is in the contract.
    • Complaint Type:
      Product Issues
      Status:
      Unanswered
      I purchased travel insurance with **** ******* underwritten by Starr in September 2023 for a trip for my husband and I to Israel. Due to the war, we had to cancel our trip which was scheduled for October 2023. We submitted our claim October 15th and have been trying to receive our funds since then. Our claim shows that all paperwork has been received but we have been waiting for over 3 months. We call and constantly get the run around. In December, I checked the status of our claim on their website and it stated they had received all paperwork to pay the claim. We called the first week of January and we were told because of the size of the claim management had to approve the check. We waited another week checked the status and they had closed our claim saying that we did not provide all necesarry documents. They have done the same thing to other people according to reviews I have read. We then called Signature Tours to make them aware of what we were dealing with. Signature refunded our payment for the trip but we still feel we should be refunded for the fee we paid **** ******* for travel Insurance and **** ******* did not honor their contract with us. In fact, they canceled our claim and left us trying to figure out how to get a refund after we had paid them for this service.
    • Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      Got a travel insurance policy (Premium $3248.00) via **** ******* (*********) for a trip/cruise for my wife ********* starting in ******* and ending in ******. The trip began on 7/8 & ended 7/23. The cruise was from 7/9 to 7/20.*** got sick on the ship and was treated for acute laryngitis with no impact to our trip. The cruise ended in ******, as scheduled. We were to stay in ****** an added three days for sightseeing.We checked into the ************* That night *** developed a severe nose bleed & ultimately required her hospitalization (**************) for three days. Because of the severity of the bleed we were told *** could not fly for three days after her release. We ended up canceling our flights home and rescheduling for three days later.Upon return we called Starr Claims and opened claim ********* for $4052.20 and requested ***'s medical records from her hospital stay. Starr acknowledged our claim on 8/2 and identified needed documents. On 8/31 we got another email from Starr asking for the doco. We had not provided it as we were still waiting for the Mater records. On 9/12 we called ******** and were told we could put both incidents in the same claim. On 9/15 we sent an email with 22 supporting documents attached. On 9/30 Starr again asked for all the same records. On 10/11 we emailed Starr with three additional documents, including ***'s medical records and they acknowledged receipt. On 10/30 Starr emailed us saying the claim was closed unless we could provide ALL the docu that we had already provided.Frustrated, on 11/13 we opened a new claim (**********) via their online system and uploaded 23 documents. On 11/14 ******** sent a letter asking, again, for all the same documentation.If there's a problem, why don't they call us? Kinda think they don't want to pay.My doco is much more than 5mb. We are willing to send it some other way. Just let us know how.Thank you so much.

      Business response

      12/20/2023

      ******** *** **** *** *** ****** ******** ****** ******************************************************************** ***                              *** ** *******        ********                                     ********                       *******************

      Dear BBB,

      On behalf of Starr Indemnity & Liability Company (Starr Indemnity or the Company) (NAIC #*****), we are responding to the Better Business Bureau (BBB) letter regarding the complaint filed by *******************. In conjunction with ************************************ **** (Sedgwick), authorized administrator of Starr Indemnity and its insured, we have researched this matter and have responded below.

      Per our records, ************** reported that his wife got sick while on a cruise and traveling in Ireland.  While in Ireland,*************** sought medical attention that required a stay in a hospital,therefore they had to cancel their flight and rebook a few days later. 

      Please note ******** has not received all documentation to support the loss.  ******** have asked for documentation that supports if *** and *************** have filed a claim with their medical insurance provider or we have asked them to complete an affidavit of no insurance.  ************** has also indicated that he received a credit from the airline, therefore Sedgwick requires need documentation to support that he is not accepting the credit.  

      Once this information is received, ******** will complete the review of the claim.

      We believe the foregoing is responsive to the BBBs request. Should you require any further information on this matter please contact me at ********************************************************** or **************.

      Respectfully,

      *************************
      Starr Insurance Holdings, Inc. A Member of Starr Insurance Companies
    • Complaint Type:
      Product Issues
      Status:
      Answered
      Filed a claim for cancellation of travel due to death in family. Insurance company is Starr insurance company. Never received a check for my claim. Never got called regarding status of claim. Poor customer service!

      Business response

      11/03/2023

      Dear BBB,

      On behalf of Starr Indemnity & Liability Company (Starr Indemnity or the Company) (NAIC #*****), we are responding to the Better Business Bureau (BBB) letter regarding the complaint filed by ***************** (the Complainant). In conjunction with **********************************), authorized administrator of Starr Indemnity and its insured, we have researched this matter and have responded below.

      According to our records, the Complainant purchased the Classic Plus travel plan for a scheduled trip. Due to a death in the family, the Complainant made the decision cancel their trip and filed a claim with ACI. Upon receiving the claim form,*** sent a letter to the address on record requesting additional information needed to review the claim. As of today, ACI has not received all needed information to process the claim. Information still outstanding includes: proof of payment for the trip; proof of cancellation; and information regarding whether any refunds/credits were issued. Upon receipt of the needed documentation, ACI will review for coverage.

      We believe the foregoing is responsive to the BBBs request.

      Respectfully,

      *************************
      Starr Insurance Holdings, Inc. A Member of Starr Insurance Companies

      Customer response

      11/07/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      [Your Answer Here] We sent proof of payment to the Starr insurance companies. Since my wife cancelled due to her sisters death, she cancelled that day. We are asking for only half the amount, since I did go on the trip.Starr insurance showed no consideration due to the tragedy in my wifes family. We sent, death certificate, itinerary, payment total etc. 

       

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *****************




       

      Customer response

      12/28/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      [I tried calling Starr insurance a few times and finally got a hold of them and immediately filled out the cancellation form as soon as I got it!! I also let the agency know that my wife was canceling due to a death in the family just hours before departure. As soon as the insurance agent asked for other materials, I immediately sent them.

       

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *****************




       

      Business response

      01/11/2024

      We understand that the Complainant is frustrated with the claim determination.However, we must abide by the terms of the policy, therefore, we are standing by the claim denial. We would refer the Complainant to our previous responses for an explanation of the denial.
    • Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      I bought travel insurance on 6/24/2023 for an upcoming organized trip to *********** for $74. My first trip out of ******* got delayed by 8 hours which made me lose my shuttle and miss my travel group first meeting. I connected with them the next day,. Trip delay is covered by insurance. I also got sick and had to call a doctor to the hotel. That should be covered too. I filed a claim on 8/27/2023, attached all necessary documents, and asked for a $400 refund. They ignored my claim and kept sending me the same email asking fot he same documents. I spent so much time on phone with them and finally asked for a supervisor. A supervisor called me on 9/28/2023 wanting a document that states why teh airline delayed the flight in a written format almost 3 months after the trip!! I never had an airline give me a reason for why they delayed the flight. I told her I sent her everything I have - planned flight itinerary and actual flight itinerary. She didnt listen and insisted on her requirement. I told her I do not plan to spend more time on this issue as it is clear they do not want to pay any money. I decided to file a complaint with BBB instead.

      Business response

      10/31/2023

      ******* ******* *** *** ****** ******** ****** ******************************************************************** ***                              *** ** *******        ********                                     ********                       *************************

      Dear BBB,

      On behalf of Starr Indemnity & Liability Company (Starr Indemnity or the Company) (NAIC #*****), we are responding to the Better Business Bureau (BBB) letter regarding the complaint filed by ************************* (the Complainant). In conjunction with ************************** Services, Inc.(Sedgwick), authorized administrator of Starr Indemnity and its insured, we have researched this matter and have responded below.

      The Complainant reported that she was delayed in getting to ********** due to a plane delay and is now seeking a refund in the amount of $400.  Please note that not all documentation has been received to support this loss. The Complainant indicated that she is not able to get a letter from ****** Airlines indicating the reason for the delay,which is one of the needed documents. ******** has called ****** Airlines and confirmed the reason for the delay was weather related, and that this weather delay caused the Complainant to miss her connecting flight. As such, her claim is being reviewed under the Missed Connection benefit. 

      In order to move forward with the travel claim, the following documents are still required:

      Shuttle cancelation confirmation and if she received any refund or credit
      For the doctors expense, we need an Explanation of Benefits if the Complainant used her personal health insurance or a signed affidavit that she does not have any personal health insurance
      Receipts for the meals, medicine from the pharmacy that was purchased, and a hotel receipt for the missed night due to the airline delay

      Once we receive the documentation listed above, we can proceed with reevaluating the Complainants claim.

      We believe the foregoing is responsive to the BBBs request. Should you require any further information on this matter please contact me at ********************************************************** or **************.

      Respectfully,

      *************************
      Starr Insurance Holdings, Inc. A Member of Starr Insurance Companies

      Customer response

      11/02/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      [Your Answer Here]

       All the documents I have were sent to Starr and they were attached to the email you sent me:

      MY ANSWERS ARE IN CAPS

      Shuttle cancelation confirmation and if she received any refund or credit - NO CANCELLATION REFUND WAS ISSUED - IT WAS NON-REFUNDABLE

      For the doctors expense, we need an Explanation of Benefits if the Complainant used her personal health insurance or a signed affidavit that she does not have any personal health insurance I DID NOT USE MY HEALTH INSURANCE AS DR WHO CAME TO HOTEL WAS OUT OF NETWORK OF PROVIDERS

      Receipts for the meals, medicine from the pharmacy that was purchased, and a hotel receipt for the missed night due to the airline delay I DID NOT KEEP RECEIPTS OF MEALS. THEY CAN PAY ME AMOUNT IN LIEU OF MEALS. I DID NOT MISS MY HOTEL NIGHT BUT MISSED AN IMPORTNAT GROUP MEETING FOR THE **** WHICH PUT ME BEHIND A LOT THE NEXT DAY TO CATCH UP I.E. HUGE INCONVENIENCE 


      Thanks

      *************************

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *************************




       

      Business response

      11/21/2023

      ******** *** **** *** *** ****** ******** ****** ******************************************************************** ***                              *** ** *******        ********                                     ********                       *************************
      Dear BBB,

      On behalf of Starr Indemnity & Liability Company (Starr Indemnity or the Company) (NAIC #*****), we are responding to the Complainants reply to our response to the submitted BBB complaint. In conjunction with ***************************************** (Sedgwick), authorized administrator of Starr Indemnity and its insured, we have researched this matter and have responded below.

      As stated in our previous response in order to continue to review the submitted travel claim, we require documentation, not just statements, from the Complainant showing:

      Proof of shuttle cancellation and proof that the cancellation was non-refundable
      Documentation from the health care provider, such as an Explanation of Benefit or a signed affidavit that personal insurance was not used
      Receipts for any additional expenses she wishes to be considered for payment (meals, medicine, hotel receipt, etc.)

      Once the above documents are received, the claim will be reviewed for payment.

      We believe the foregoing is responsive to the BBBs request. Should you require any further information on this matter please contact me at ********************************************************** or **************.

      Respectfully,

      *************************
      Starr Insurance Holdings, Inc. A Member of Starr Insurance Companies

      Customer response

      11/30/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      I do not believe how bad this business is. I am nit making statements. I attached receipts and they still ask for **** documents.

      - shuttle receipt says it is non refundable. 

      - I paid dr cash and he gave me a detailed receipt 

      I do not want any refund anymore. I want to give them a terrible rating and a scathing review on bbb so people can avoid using such a terrible business.

      please post the following on your site I received the worst treatment from this insurance company. Do not use

      Thanks, ***  

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *************************




       
    • Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      We have been calling 3 weeks to get our car repaired. We have the police report, the accident wasnt our fault but no one wants to help us. They just keep sending ** to different people to talk to. Our insurance company said that they have to handle the problem not us since the accident wasnt our fault.

      Business response

      07/10/2023

      On behalf of Starr Indemnity & Liability Company (Starr Indemnity or the Company) (NAIC #*****), we are responding to the Better Business Bureau (BBB) letter regarding the complaint filed by ********************************* (the Complainant). In conjunction with ********* ******* Services (********* *******), authorized administrator of Starr Indemnity and its insured, we have researched this matter and have responded below.

      ********* ******* has reviewed the claim file (Claim # ******************** and concluded the claim was handled appropriately based on the information initially received. At the onset of the claim, there was no phone number provided to reach the party and correspondence was mailed on June 7, 2023 in order to reach all parties. Phone communication was achieved on June 27, 2023.  The Resolution Manager with ********* ******* has been in communication with the vehicle owner and the claim is now moving forward to resolution.

      We believe the foregoing is responsive to the BBBs request. Should you require any further information on this matter please contact me at ********************************************************** or **************.

      Respectfully,

      *************************
      Starr Insurance Holdings, Inc. A Member of Starr Companies
    • Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      I booked a ***** trip with UTO Travel. I purchased insurance with **** *******/ Starr Insurance Company for $85 in August 2022. In October I found out that my daughter was expecting end of March so I contacted UTO to cancel the trip with concern that I would be on the other side of the world and she would be home alone. I was told to contact the insurance company as it should be no problem to receive a refund. It has been nothing but a nightmare. I have dealt with many claim adjusters, no one returns my phone calls. My recent adjuster ********* has her supervisor's name in her signature line and I was told that ************************* is not even with the company. ********* is responsive to my emails but after months of back and forth, I was emailed that my claim for refund was denied. PLEASE NOTE that I had called the company earlier for a status update and was told that my check was already in the mail. The rep confirmed the $897 amount and my ************************************************************ address. I don't understand if the trip was cancelled, I provided proof of the trip cancellation, why I can not receive my refund. I am out of a trip, $897, and $85 for the insurance. I'm trying to figure out what was the purpose of paying for the insurance. After MANY requests, no one has yet to call me. This has been going on since October, 2022. I feel like because I didn't read the fine print on technicalities my claim was denied. I a frequent traveler and purchase insurance often. The intent is not to use it and take the trip, but if things come up it is to provide insurance to cancel.

      Business response

      04/17/2023

      ***** ******* *** *** ****** ******** ****** ******************************************************************** ***                              *** ** *******        ********                                     ********                       *************************

      Dear BBB,

      On behalf of Starr Indemnity & Liability Company (Starr Indemnity or the Company) (NAIC #*****), we are responding to the Better Business Bureau (BBB) letter regarding the complaint filed by ************************* (the Complainant). In conjunction with ************************* (**********),authorized administrator of Starr Indemnity and its insured, we have researched this matter and have responded below.

      The Complainant has expressed her dissatisfaction with expressed dissatisfaction with the denial of her claim and the lack of communication received during the claim process.

      According to our records, on October 3, 2022, ********** received notification of a claim filed under the Trip Cancellation benefit of a purchased Travel Plan. The Complainant was sent an acknowledgement letter and claim form via email on November 18, 2022. On November 23, 2022, the Complainant began to upload supporting documentation via **********s secure portal. At this time, the claim was assigned to a licensed adjuster for review. After initial review, the assigned ********** adjuster determined several documents were still needed to make a coverage decision. An email was sent to the Complainant requesting she provide the missing documents. 

      On December 30, 2022, the Complainant submitted additional documentation to her file via **********s secure portal. Upon review of the submitted documentation it was determined that several documents were still pending. The Complainant was sent an email detailing the missing documentation. Several requests and submissions were received and reviewed over the span of several weeks.  On February 10, 2023, the Complainant submitted the final required documentation to her file.

      On February 14, 2023, the file was reviewed by the assigned adjuster. Under the terms of the Complainants policy, for the Trip Cancellation benefit to apply,the reason for cancellation must be due to one of the specifically listed Unforeseen Reasons in the policy. Upon review of the claim file, the assigned adjuster determined that the Complainants reasons for cancelling the trip did not meet the required policy criteria for Trip Cancellation. The Complainant was issued a formal denial letter. In response to the denial, the Complainant filed an appeal which is currently under review.

      We believe the foregoing is responsive to the BBBs request. Should you require any further information on this matter please contact me at ********************************************************** or **************.

      Respectfully,

      *************************
      Starr Insurance Holdings, Inc. A Member of Starr Companies

      Customer response

      04/19/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      I was told that I would receive a phone call **** business days after my appeal was submitted. Through this entire process, no one has ever called me. All communication is initiated by me with a response by email that leaves me with more questions. Phone call requests are not honored, responses within **** business days are not honored. I feel ignored as a customer who paid for ********************** for a trip that was cancelled by the travel agency who told me to contact the insurance company for refund. I paid for a trip and insurance and I am out of both.

       

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


      Sincerely,

      *************************




       

      Business response

      06/02/2023

      In this follow up complaint, the Complainant advised that she did not consider her claim resolved because she feels if the reason for cancellation was the determining factor for the denial, it should have been provided at the time she filed the claim. She also stated that she was assigned countless claim adjusters who requested conflicting information. The Complainant also makes reference to **** ******* Insurance advertising Cancel for Any Reason on their website. 

      Please note, the Complainants claim was only assigned to two adjusters during the claims process. In order to ensure that the appropriate coverage decision is made, ********** requires all submitted documentation to be reviewed against the policy language. After review, the Complaints claim was denied, as the reason for cancellation was not covered under the policy language. It was determined that the Complainants length of employment with her previous employer did not meet the policy criteria for coverage. In addition, the Complainants desire to be present during the birth of her grandchild did not qualify as a Trip Cancellation Unforeseen Event. After re-review, the decision has been made to uphold the original claim denial.

      Lastly,please note the Complainant references an advertisement for the Cancel For Any Reason benefit; however, she did not purchase this benefit, and therefore cannot be eligible for consideration. 

      Customer response

      06/02/2023

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:

      To reference "Lastly, please note the Complainant references an advertisement for the Cancel For Any Reason benefit; however, she did not purchase this benefit, and therefore cannot be eligible for consideration." If it was as simple as that explanation I would not have been assigned multiple claims adjusters. I would not have been asked to provide conflicting documentation. I was told to submit these files because I was told doing so was necessary for my refund. I received a call last week from a ********** rep and I asked where was this exceptional costumer service when I was requesting it back in October? I only received the last two calls without my initiation because I contacted the BBB. Even though I called countless times since October, I was recently asked who did I speak to? Who told me I would get a refund? I did not know the responsibility fell on me as the consumer to record or track all of my calls and the reasons for my calling. When I asked the ********** rep if he had any records of my calls, he replied no. This is infuriating because had I known I was not going to receive my refund as promised, I would have kept better records. I was able to recall a few names but not all- *****************************- ************. ***********************- ************, ********* ************, ***********************************, *********************************. There were at least 4 others that I can not recall. It does not sound logical that if I was told I did not purchase this benefit and therefore cannot be eligible for consideration, would prompt me automatically to send unnecessary documentation. I have no job, no computer, so I would travel to the public library to have these forms uploaded. This has been a waste of my money, time and because this was dragged out unnecessarily I am not even eligible for the trip credit with the travel company. CUSTOMERS BEWARE. BE SURE TO DOCUMENT NAME, PHONE NUMBER, DATE AND TIME WITH EVERY INITIATED CALL. NO ONE RETURNS CALLS. All of this could have been avoided if someone had returned my call back in November when I first requested it and every two weeks afterwards. Where is the responsibility on **********?

      *************************

       

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.



      *************************




       
    • Complaint Type:
      Service or Repair Issues
      Status:
      Unanswered
      The travel policy was purchased on 11/0912022 for travel dates 12/20-12/25/23. Due to severe ice storm, there was interruption with few flight cancelations. The claim was submitted on 12/29/2022 and was not reviewed yet. Every single time I called customer service their explanation was We don't have your email address. And that continues for 2 months almost.
    • Complaint Type:
      Service or Repair Issues
      Status:
      Unanswered
      We purchased (2) **** ******* Travel Insurance Policies. Policy# ********* & *********. WE had many delays in Europe with several airlines. We filed a claim back in September 2022. WE have called and emailed, **** *******, Starr Insurance, ***************************** **** ******* says call Starr, Starr says call Broadspire, Squaremouth.com sasy Call Starr! WHAT? OMG! We provided all receipts and boarding passes etc all over 5 hour delays, 2) were 8 hours. The claim is still not resolved. We paid $966.00 for delays policy. Starr does not return Email, phone call, FAX. How exactly do your run the business? Every company we speak too kicks the can down the road and now are are tired of it. We were patient for months, but now we are irritated at teh lack of service from your company.

      Customer response

      02/11/2023

      Better Business Bureau:

      At this time, I have not been contacted by Starr Insurance Companies regarding complaint ID ********.

      Sincerely,

      ***************************
    • Complaint Type:
      Service or Repair Issues
      Status:
      Answered
      I bought Travel insurance through this company:Your Policy Confirmation**** ******* Insurance ************ Logo Provider:**** ******* Insurance ************Product:Bronze Travel Dates:06/26/2022 - 07/23/2022Deposit Date:05/01/2022 Effective Dates:06/09/2022 - 07/23/2022Total Cost:$147.00 (Squaremouth does not charge a fee)Policy Number:*********Traveler:*************************** (11/10/1983)I filed a claim with them, Friday, Aug 5, 2022. No one has answered their telephone or gotten back to me since. I uploaded all pertinent documents to their portal when my flight was cancelled and wanted to receive reimbursement, as per the policy I bought, but no one answers the phones or gets back to me with resolution. The claim adjuster's phone number goes to voice mail and never returns my calls. It is a scam and people should be warned not to purchase travel insurance through this company. I deserve a refund for my policy and/or resolution to pay out the claim.

      Business response

      11/02/2022

      ******* ******* *** ****** ****** ******** ****** ** **************** ************ ***** ***** ***************************** ***                  *** ** *******        ********                         ************          *************************** *****                            *** *** ******                       ****** *******           ********* ***** *******           *******

      Dear **********************,

      On behalf of Starr Indemnity & Liability Company (Starr Indemnity or the Company)(NAIC #*****), we are responding to the Better Business Bureau (BBB) letter dated October 5, 2022 concerning the consumer complaint filed by *************************** (the Complainant). In conjunction with ******************** **** (Broadspire),authorized administrator of Starr Indemnity and its insured, we have researched this matter and have responded below.

      The Complainant has expressed displeasure with the length of time it has taken to complete the processing of her claim, and the lack of response from her adjuster.

      On August 5, 2022, notice of this loss was received at Broadspire. On August 8, 2022, the processor contacted the Complainant via email acknowledging receipt of the claim and requesting she supply documentation supporting her claim. 

      Broadspire received notification of documentation submitted on August 9, 2022, and the claim was assigned to a licensed adjuster. On September 9, 2022, the Complainant contacted Broadspire via telephone to inquire about the status of her claim. The Broadspire processor provided her adjusters contact information and that the adjuster will review the claim and contact her with a status. On September 12, 2022, the Broadspire adjuster reviewed the claim and contacted the Complainant via email requesting she supply documentation from the Common Carrier confirming the reason for the delay/cancellation.

      Broadspire received notification of additional documentation submitted on October 11,2022. On October 25, 2022, the Broadspire adjuster reviewed the claim and contacted the Complainant via email advising they had not received the above referenced documentation and to please submit to process the claim.

      Upon receipt of the above reference documents Broadspire will expedite the handling of this claim. Broadspire sincerely regrets the delay and inconvenience that this claim process has caused to the Complainant.

      We believe the forgoing is responsive to the BBBs request. Should you require any further information on this matter please contact me at ********************************************************** or **************.


      Respectfully,



      *************************
      Counsel Litigation
      Starr Insurance Holdings, Inc. A Member of Starr Companies

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