Access America Underwritten by Jefferson Insurance Co Concerned Parents of Baby Scammed by Access America Richmond, Virginia

We purchased 3 Jet Blue Tickets, as well as Access America Insurance for each ticket, to NYC from San Diego for September 22, 2011. A couple of days before our trip our 17-month-old daughter came down with a viral respiratory infection and fever. We called into our doctor, after hours, and they gave us advise to treat her over the phone but they said it was not necessary to bring her into the office since it was a virus. And it was better not to expose her or others as long as it wasn't getting worse and I didn't have any concerns. I called 2 days before our trip to the insurance company. They were very responsive and they went over everything that was required of me and emailed me the paperwork to fill out. I completely filled out all the paperwork and sent in everything that was asked of me on the paperwork. A couple weeks later I received a letter saying that my claim was then denied. I called the insurance agency, they said that I had to have my daughter physically seen by the doctor within a specific days of the claim but I informed them that I was never told that I had to be seen by the doctor within a certain time period (still at which I have not been told when they require you to go). It is not surprising that I see so many other people saying similar things about this company. This is a ridiculous way to treat people and I will make sure I tell as many people as I can about their practices. Buying insurance is suppose to give you the peace of mind that if something out of your control happens that you are protected, obviously that is not the case with this company.