Complaints

This profile includes complaints for Crawford & Company's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  Crawford & Company

  5335 Triangle Parkway NW Peachtree Corners, GA 30092

• 

  Crawford & Company

  4701 Business Park Blvd # 20 Anchorage, AK 99503

• 

  Crawford & Company

  PO Box C-95002 Bellevue, WA 98009

• 

  Crawford & Company

  8850 W Emerald St # 134 Boise, ID 83704

• 

  Crawford & Company

  P. O. Box 921399 Norcross, GA 30092

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/24/2025

  Type:Order Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a Tort with the ******** DOT for damages I incurred from poor road construction on HWY 18 in ********. The process involves this going before their Insurance Company, Crawford and Company and Broadspire (I will file a separate complaint against that company, I believe a subsidiary). Over 3 months, I filed and requested information and responded to questions from their investigator, who was alway delayed and took long periods to respond, if at all. Numerous phone calls went un answered along with Voicemails and emails. One time, the investigator even told me he was "too busy" to call me back via email. I provided all requested information, however, twice I received paper notices that I had not responded. This in NOT true and a total fabrication, as I have the emails. Each time I received a paper correspondence, I immediately emailed and/or called the investigator. My claim was then marked as closed for non- response. Clearly, this is a tactic to avoid any pay out on behalf of the policy and the State of WA. This information about the closure of the claim came not from the insurance company, but a representative of the State, ******* *****. The investigator, ***** ******, never gave me any detail on this and I reached out to the state contact I had because after numerous attempts for follow up/response I made to ***** ******, I hoped to have some information regarding the claim. This insurance adjustor and company clearly use these tactics to intimidate and scare off those seeking the claim. Still, to this date, ***** ****** from the insurance company has yet to respond in anyway. I have attached the initial Tort claim with the state and the detail of emails from the insurance company.

• Initial Complaint

  Date:01/08/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I got hurt at work last year. We went to court and had a settlement agreement and now its past ******************************************************************************** another motion to bring them back to court to get a penalty and damages for them being late. I try to email the adjudicator she never returned my calls. I tried to ask my attorney, he never returned my calls, so Im bout to go above both of their heads to get my money.

  Business Response

  Date: 01/22/2025

  January 22, 2025
  
  
  Georgia BBB
  **************************************
  Alpharetta  GA  30022
  
  
  RE:                   Complaint ID.:             22783353
  Complainant:              ******* *****
  Insured:                       ***********************
  Insurer:                        Safety National
  NAIC No.:                     15105
  Date of Loss:                April 15, 2024
  Claim No.:                   190319111-001
  
  
  
  Thank you for the opportunity to respond to the above referenced complaint matter involving the insured, ******************, and the claimant, ******* *****.Broadspire, a Crawford Company, is a third-party administrator handling claims on behalf of Safety National. Broadspire is not an insurance company.
  
  This matter involves a reported delay in the issuance of workerscompensation settlement check. We have reviewed the file materials and note that the issue has been resolved. The claimants settlement check was issued on December 31, 2024 and mailed to her attorney. Subsequently,  the check was cashed January 13, 2025. This matter has been resolved and our claim is closed.
  
  
  
  Sincerely,
  
  ******* ********
  VP Claim Operations **********************
  Broadspire Services, Inc. on behalf of:
  SAFETY *****************************

• Initial Complaint

  Date:01/07/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  1. Person/Entity You Are Complaining About Name: Crawford & Company Specific Contact:Mr. ***** ******, Senior Liability Examiner 2. Claim Information Claim Number: 190159645-001 Date of Loss: August 26, 2023 Location of Incident: *******************, ************************************** 3. Reason for Complaint Lack of response to your insurance claim despite multiple follow-up attempts and comprehensive documentation provided.Alleged bad faith insurance practices, including failure to communicate, resolve, or appropriately address a valid claim.4. Details of Complaint I sustained a serious injury due to faulty equipment provided by ********** Brooklyn during my stay on August 26, 2023. The hotel's negligence resulted in significant physical, emotional, and financial damages. I filed an insurance claim with Crawford & Company (Claim Number: 190159645-001) on September 5, 2024, and submitted detailed documentation of my injuries, medical treatments, and associated costs. Despite multiple follow-up attempts (via phone, email, and mail) on September 10, September 18, October 25, November 6, November 12, 2024, and January 7, 2025 I have received no substantive response.Their continued silence demonstrates a lack of professionalism and accountability, violating my rights under insurance law. This delay has caused additional emotional and financial distress, as my medical expenses and chronic pain management remain unresolved.5. Resolution Sought A complete review of the claim by Crawford & Company.Immediate settlement of all covered medical expenses, compensation for pain and suffering, and any related financial impacts as outlined in my claim.A formal explanation and accountability for the delay.

  Business Response

  Date: 01/22/2025

  Thank you for the opportunity to respond to the above-referenced complaint matter. Broadspire is the third-party administrator handling claims on behalf of ******************* and Starr Indemnity & Liability Company is the issuing company.  Broadspire is not an insurance company.  Broadspire, as the third-party administrator, is responding on behalf of Starr Indemnity &Liability Company.  We are in receipt of a New York Department of Financial Services complaint dated January 9, 2025, wherein Mrs. *** has indicated that Crawford & Company has failed to respond to Mrs.**** correspondence and is looking for settlement of this matter.
  
  This matter allegedly occurred on August 26, 2023 and reported to Broadspire on September 9th, 2023, It is alleged by Mrs. *** that she was utilizing a Spri Band, which was provided by ******************* in her hotel room, when the band snapped during an exercise, and allegedly caused ******* to fall and sustain injury to her left knee. It is further alleged by ******* that the Spri Band was deteriorated and dry. Mrs. *** has retained the Spri Band.
  
  As you may understand the liability in this matter is questionable.The handling adjuster explained the claims process to Mrs. *** on several occasions, requesting the complete documentation and associated invoicing for her alleged treatment. The adjuster explained that we are unable to pay for treatment as received, but that we would need all related treatment records upon maximum medical improvement. It is at that time that we would be able to properly evaluate Mrs. **** alleged injuries and discuss any available settlement.
  
  Our most recent interaction with Mrs. *** was from an email received on January 7, 2025. A response was sent to Mrs. *** on January ******* requesting confirmation of the treatment records submitted and supporting documentation for the unconfirmed treatment and expenses. A follow up request was made on January 21, 2025 with no response to date.
  
  We look forward to receiving all the necessary information and supporting documentation from Mrs. *** to properly evaluate her damages and attempt to resolve this matter with her directly. We trust that the provided information satisfies your inquiry. Should you have any further questions and/or concerns, please do not hesitate to contact the undersigned.
  
  ****** ******
  Team ********************************* Broadspire
  P: ************ 
  E: ****************************************************
  A: PO Box *****, *********, KY 40512
  

  Customer Answer

  Date: 01/27/2025

  Thank you for assisting me with this matter. I wanted to inform you that I received an email from ***** after filing the complaint with the BBB.
  In his email, he mentioned the $1,502.44 rehab statement and requested specific details about the treatment facility. He asked for the actual statement (not a screenshot) to verify its source, along with the following:
  The name of the provider,
  The recommendation from my primary care physician to this facility, and
  An itemized billing breakdown for the $1,502.44.
  Regarding the *********************************, he stated that the ******* summary notes are valid as they align with the treatment notes, which he has accepted. However, he raised a concern about an approximate 90-day gap in treatment from November 27, 2023, to March 18, 2024.
  To address this concern: I traveled back to ****** during this period because my father, who passed away many years ago, is buried there. His remains needed to be relocated from his coffin to an urn and moved to a different site. While in ******, I did seek medical care for my condition. However, due to the minimal costs covered by ********************************* and the complexities of international claims, I chose not to submit these expenses for reimbursement.
  Additionally, I have been dealing with unopened wounds and cellulitis for the past two weeks, requiring hospitalization. As a result, I havent been able to address Jamils concerns promptly, but I plan to follow up with him sometime this week.
  I would also like to note that I have been exceedingly polite and patient with Jamil throughout this process, despite being ignored repeatedly until I filed a complaint with the BBB. This behavior is highly unethical. I sustained injuries due to the lack of maintenance of equipment provided by their facility (see the attachment), yet I have been cooperative and transparent about my situation. Their disregard for my communications until the BBB intervened is unacceptable, and now they are pressuring me to resolve this matter urgently.
  Thank you to the BBB for helping facilitate this process. I will keep you informed of any new developments.

• Initial Complaint

  Date:12/11/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business refuses to communicate with me on in any way shape or form; has rendered me homeless twice and has put me in extreme hardship with creditors; I call at different times daily leaving countless voicemails and have escalated things as far as they will let me with no resolution; my adjuster refuses to contact me to issue my the remaining <$2000 owed to me from my injury claim. Higher *** that cannot make adjustments to my file have told me the adjuster is some responsible yet I have no communication with her and am rendered in extreme debt. They have told me they have my TTD checks are ready but refuse to contact me on the correct address to send them to.

  Business Response

  Date: 12/13/2024

  December 11, 2024
  
  Georgia BBB
  **************************************
  ***************; GA  30022
  
  RE:                             Complaint ID.:   ********
  Complainant:              ********* *******
  Insured:                      ***********************
  Insurer:                       Safety National
  NAIC No.:                   15105
  Date of Loss:               August 16, 2024
  Claim No.:                   190412528-001
  
  Thank you for the opportunity to respond to the above referenced complaint matter involving the insured, ******************, and the claimant,********* *******. Broadspire, a Crawford Company, is a third-party administrator handling claims on behalf of ***************. Broadspire is not an insurance company.
  
  This matter involves a reported delay in the issuance of workerscompensation benefits. We have reviewed the file materials and note that the issue has been resolved. The claimants benefits were issued on December ******* and sent on a priority basis. Broadspire spoke with claimant on December 10, 2024 and confirmed issuance of the final benefits that were due. Of note, the claimant did have issues receiving his checks timely as the claimant provided address changes which resulted in Broadspire having to reissue checks. We have confirmed with the consumer that any/all issues have been resolved at this time.
  
  Sincerely,
  
  ****** *******
  Team Manager
  Broadspire Services, Inc. on behalf of:
  SAFETY *****************************

• Initial Complaint

  Date:12/03/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Both my dog and I were injured as a result of a faulty recall product sold on ****** on October 4. I have been working with ***** in your California office since then to try to get a resolve for my claim. A settlement was reached over a month ago and I still do not have a check. In fact Ive been told the check is in queue to be printed since ********************************************************************************* sent, I requested an overnight shipping due to the delay and even offered to pay for said overnight shipping. ***** told me he had to get approval for the overnight and still has yet to tell me if that has been approved despite me telling him that I will pay for the overnight shipping. I have asked for direct deposit to make the process quicker. Ive been told that that is not an option however, in doing my research, it does seem that you issue payments that way Please put me in contact with somebody who can get my check printed and shipped out to me overnight or direct deposited so that I have the funds I am owed no later than end of this business week

  Business Response

  Date: 12/18/2024

  Our office has confirmed with the complainant that settlement funds have been received from our client and payment for the resolution of the claim were delivered on December 6, 2024.

  We trust this resolves the issues on this matter. 

• Initial Complaint

  Date:11/18/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On/About February 8, 2024; we were instructed to file a road hazard damage to windshield, and via this company (**** *******, in particular). The individual/company, made many promises to return calls/update us concerning the claim; but instead acted as a timewasting/stonewall, of perceived deception. After numerous calls, the individual finally sent us an email, stating that the company **********************, denied the claim.

  Business Response

  Date: 12/04/2024

  Thank you for the opportunity to respond to the above-referenced complaint matter involving the insured, Alamo NEX Construction/I-35 and ****** ******. 
  Broadspire, a Crawford Company is the third-party administrator handling claims for ********************** on behalf of ********************. Broadspire is not an insurance company.  We have reviewed our file materials on this Texas property damage claim, and we respectfully disagree with the allegations presented.
  Upon receipt of the complaint, our office reviewed all materials concerning the matter and understand coverage was afforded by USAA.  A denial letter was issued on November 8, 2024.  Our file has been retired.

• Initial Complaint

  Date:11/13/2024

  Type:Product Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I own a property that is rented out on ******. Back in April of 2024, guest activity caused our water heater to burst and leak into the apartment below us, causing damage. When I spoke to the ****** **** they assured me it would be covered under host liability insurance and helped me submit a claim to be processed by a third party company, Crawford and Company insurance. Crawford reached out to me fairly quickly and I went through the process of submitting detailed information, as was requested. By August, I had reached out to inquire about the status of the claim, but received no response from the company. I wrote again and again and also tried contacting ****** to inform them that their third party associate was negligent in their responsibility to review the claim.Finally, after months of no response from Crawford and no support or answers from ******, I just received an email from Crawford on November 7th(!!) stating that I would need to resubmit all documentation for the claim because they couldt locate it. This feels like gross negligence of responsibility to have waited so long to process my insurance claim. I would like to file a grievance to get this matter resolved.

• Initial Complaint

  Date:10/30/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Broadspire, my workers compensation insurance provider, has repeatedly delayed payments by claiming to have mailed them, though I have not received any beyond a single check of $944.98. Despite multiple attempts to resolve the issue via calls and emails, they are largely unresponsive. The few times I have received a response, Broadspire claims the payment has been sent, yet nothing arrives. Additionally, when I attempted to email direct deposit documents for faster payment, they did not acknowledge or respond, leaving me without the financial support Im owed. I am requesting immediate action to address these delays and ensure reliable payment going forward.

  Business Response

  Date: 11/13/2024

  Thank you for the opportunity to respond to the above-referenced complaint matter involving the insured ******* Transport Company and the claimant, ***********.
  
  Broadspire, a Crawford Company is the third-party administrator handling claims on behalf ******* Transport Company .Broadspire is not an insurance company. In a good-faith effort to resolve this complaint, Crawford & Company provides the following information for your records.
  
  This matter involves an alleged delay in the issuance of workers compensation benefits. We have reviewed our file materials,and we respectfully disagree with the allegations presented.
  
  Upon receipt of the complaint, our office spoke with the complainant and advised of offers to have the benefits sent via direct deposit. Unfortunately, our office had not received the completed forms. The office resent the requested documentation, and now all benefits are processed via direct deposit.
  
  We have confirmed with the consumer all issues have resolved.
  
  Thank you.

  Customer Answer

  Date: 11/13/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  Hani ******

• Initial Complaint

  Date:10/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Broadspire is supposed to send my times to the ******** so I can get paid through Colorado paid medical leave. They have not sent any information to the ******** for over a month. I have talked to them with no resolution. I need to get paid. I am missing over $1300 and they are not working on fixing it.

  Business Response

  Date: 11/13/2024

  Our office contacted the consumer and explained of a system issue preventing the payment.

  We contacted our client and were able to successfully resolve the issue.

  Payment was issued to the consumer on October 28, 2024 and we have confirmed this matter has resolved.

  Thank you

• Initial Complaint

  Date:10/09/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On a recent international trip with the ** Goahead tour company my wife experienced medical effects that we believed were too serious to continue the trip and we returned home early. After visits with her doctor and a subsequent medical procedure we filed an insurance claim with the insurer (we purchased travel insurance along with the tour fees), Broadspire, located in *******, *******, who has twice denied the claim. The attached information and other attachments describe the situation and actions along with the claim and documentation

  Business Response

  Date: 10/14/2024

  BBB    
  ************************************************************************************************************************
  
  BBB Complaint ID:      22401451
  Claim Number:            4456906
  Insured:                       ***** ********
  Policy Number:            US1930974
  Date of Loss:               08-Jun-2024
  Type of Loss:               Trip Interruption
  Insurance Company:   United States ************** Company
  
  We are in receipt of the correspondence for the above referenced complaint that was received on October 9, 2024 and in reference to the above captioned claim, adjudicated by Broadspire. Broadspire Services, Inc.(Broadspire), a subsidiary of Crawford & Company, is a third party administrator assigned to act on behalf of United States ************** Company.
  
  In this complaint, Mr. **** ***********, husband of the above named insured, expressed dissatisfaction with the decision issued on the above referenced claim file. We have reviewed our claim file and offer the following in response.
  
  Ms. ***** ******** and Mr. **** *********** booked a trip to travel from ********, U.S.A. to *****, ***** for dates of May 26, 2024 through June 12, 2024, for which this insurance policy was purchased. While on their trip, Ms. ***** ******** indicated that she began to feel unwell, and interrupted the trip on June 7, 2024, returning back to ***************** on June 8, 2024. Upon her return, she went to the doctor and was treated on June 10, 2024 for her medical condition.
  
  On July 5, 2024, the Broadspire office received notification of the loss for the above referenced claim. On July 5, 2024, Broadspire received submitted supporting documentation to the file via our secure email box and the claim was assigned to an adjuster. On July ******* the claim file was reviewed by a claims adjuster. On July 11, 2024 Ms.***** ******** was notified via email that her claim did not meet the terms and conditions of the purchased insurance policy as she had decided to end her trip early and return home prior to having her medical condition certified by a Physician and while her insurance policy was in effect.
  

  For ease of reference,provisions of the policy pertinent to your claim are quoted below.
  

  SECTION II WHEN COVERAGE BEGINS AND ENDS
  When Coverage Begins:
  
  This is Your Effective Date and time for Trip Interruption: Coverage begins when You depart to Your first scheduled Travel Arrangement (or if You must use an alternate travel arrangement after Your Scheduled Departure Date to reach Your Scheduled Destination, on the Scheduled Departure Date) for Your Trip.
  
  When Coverage Ends:
  Trip Cancellation coverage(s) automatically end on the earlier of:
  1. the date and time You depart on Your Trip;
  2. the date and time You cancel Your Trip.
  
  All Other Coverages: Your coverage automatically ends on the earlier/est of:
  1. the date You complete Your Trip;
  2. the Scheduled Return Date;
  3. Your arrival at Your Return Destination on a round Trip, or Your Scheduled Destination on a one-way Trip;
  4. cancellation of Your Trip covered by this certificate;
  5. the date You interrupt Your Trip due to a covered Unforeseen reason (does not apply if You are able to resume Your Trip without going back to Your Return Destination).
  
  SECTION IV TRAVEL ARRANGEMENT PROTECTION
  
  TRIP INTERRUPTION
  
  If the Insured must start their Trip late or are unable to complete their Trip, We will reimburse the Insured, up to the Maximum Benefit Amount shown in the Schedule of Benefits, for the unused, forfeited, prepaid non-refundable Payments or Deposits paid for the land or water Travel Arrangements the Insured purchased for their Trip plus the Additional Transportation
  Cost paid to:
  
  a) join the Insureds Trip if the Insured must depart after the Scheduled Departure Date or travel via alternate travel arrangements;or
  b) rejoin the Insureds Trip from the point where the Insured interrupted their Trip to the next Scheduled Destination;
  or
  c) transport the Insured to their originally scheduled Return Destination of their Trip.
  
  The benefit payable for the above will not exceed the cost of a one-way economy airfare (or first or business class, if the original tickets were first or business class) by the most direct route less any refunds paid or payable for the Insureds unused original tickets.
  
  Trip Interruption must occur while coverage is in effect for the Insured due to any of the following covered Unforeseen reasons, as defined:
  
  2.the Insureds or a Family Members Sickness or Injury, that: 
  a) occurs while the Insured is on their Trip;
  b) is examined and treated by a Physician prior to the time of interruption unless it is not reasonably possible to do so;
  and
  c) as certified by a Physician, results in medical restrictions so disabling as to prevent the Insureds continued participation on their Trip;
  
  SECTION VIII GENERAL DEFINITIONS
  
  Sickness means an illness or disease of the body, that commences while the Insureds coverage is in effect and requires examination, diagnosis and treatment by a Physician.
  
  An illness or disease of the body that first manifests itself and then worsens or becomes acute prior to the Effective Date of the Insureds coverage is not a Sickness as defined herein and is not covered by the Policy.
  
  Sickness does not include any Mental, Nervous or Psychological, Condition or Disorders including but not limited to anxiety, depression, neurosis, phobia, psychosis;or any related physical manifestation.
  
  If there are any additional questions or concerns, please contact me at the number listed below. 
  
  Sincerely,
  
  ********** ********
  Team Manager
  Phone: ************
  Claim Benefit Services
  P.O. Box 459084
  *****************
  Document Upload:  *********************
  Fax# ************

  Claim Support: **************

  
  
  Broadspire Services, Inc., a subsidiary of Crawford & Company, is a third-party administrator assigned to act on behalf of United States ************** Company to process your claim.