Aon Affinity Travel Practice Fredrick Benjamin Deny claim for travel insurance. Garden City New York

We purchased travel insurance through Norwegian Cruise Lines. My wife had to be admitted to a alcohol rehabilitation center one week before the scheduled departure. Aon, Fredrick Benjamin denied the claim stating that intoxification They go on to say that Sickness means an illness or disease of the body that commences while your coverage is in effect. If the sickness or disease begins prior to the effective date coverage is not covered by the certificatre. 

The policy was sold by Norwegian Cruise Lines. They never attempted to explain anything. They only wanted a credit card number. Aon's position is that they don't know the particulars of the policy. Why are they selling them then? 

When the policy arrived 60% of the writing area is shaded with very small fonts. You need a magnifying glass to read any of it. Aon may think this is over but is is far from ending. I intent to file a complaint with the State Department of Business Regulation. They will be summoned to Small Claims Court as well. 

I checked the State of Rhode Island web site. They don't appear to be licensed to even sell insurnace in Rhode Island. Befor this is over they will regret not refunding my money. 

I read where thier common MO is they have not received the information requested. I had to remind Mr. Benjamin the time and date he was sent all that was requested. That's when they rejected the claim. 

Tom Dykeman