I have had loan/credit insurance for many years (critical illness).
I had a heart failure long term illness arise. Upon claim application my situation was not classified as critical illness to their standards.
I have been off work for 1 complete year and the stress of having to try and fight them is large which is not an acceptable thing to have upon heart issues. repeated attempts did not resolve anything.
I have paid approx $50.00 per month for approx 20 yrs. now i wish to cancel after difficulty of contacting themand still wishing to cease payments which are still on going for a service which through investigation within the industry TD insurance only pays out on 1% of claims.
I have been horrified on the poor actions and misrepresentation of the insurance hidden details, terible customer service and complete theivery on the working poor.
TD Meloche Monnex is a classic U.S. style ripoff insurance company.
In 2011, most homes in my neighborhood sustained roof damage due to a severe hail storm. Most houses on my street had their roof repairs covered by their insurer.
When I inquired TD Meloche Monnex about fixing my roof, which had significant damage, they sent over an adjuster to inspect the roof. They concluded that my roof had no hail damage. Instead, they stated that my roof had sun damage and consequently, would not cover the cost of repairs.
At the end of the year, they unexpectedly raised my rates by hundreds of dollars. When I asked why they would increase my premiums when I had not made any claims, they stated (I kid you not): "Dear sir, your neighborhood sustained significant hail damage in 2011 and therefore all insured in your area have had a premium increase".
I terminated my insurance wit them. They had their front line employees call me 5 times trying to convince me not to leave, asking why I was not satisfied with this ridiculous racket. Each time their employees ended up saying "I am speechless, I understand and good for you for ditching us".
TD Insurance Reviews
I have had loan/credit insurance for many years (critical illness).
I had a heart failure long term illness arise. Upon claim application my situation was not classified as critical illness to their standards.
I have been off work for 1 complete year and the stress of having to try and fight them is large which is not an acceptable thing to have upon heart issues. repeated attempts did not resolve anything.
I have paid approx $50.00 per month for approx 20 yrs. now i wish to cancel after difficulty of contacting themand still wishing to cease payments which are still on going for a service which through investigation within the industry TD insurance only pays out on 1% of claims.
I have been horrified on the poor actions and misrepresentation of the insurance hidden details, terible customer service and complete theivery on the working poor.
TD Meloche Monnex is a classic U.S. style ripoff insurance company.
In 2011, most homes in my neighborhood sustained roof damage due to a severe hail storm. Most houses on my street had their roof repairs covered by their insurer.
When I inquired TD Meloche Monnex about fixing my roof, which had significant damage, they sent over an adjuster to inspect the roof. They concluded that my roof had no hail damage. Instead, they stated that my roof had sun damage and consequently, would not cover the cost of repairs.
At the end of the year, they unexpectedly raised my rates by hundreds of dollars. When I asked why they would increase my premiums when I had not made any claims, they stated (I kid you not): "Dear sir, your neighborhood sustained significant hail damage in 2011 and therefore all insured in your area have had a premium increase".
I terminated my insurance wit them. They had their front line employees call me 5 times trying to convince me not to leave, asking why I was not satisfied with this ridiculous racket. Each time their employees ended up saying "I am speechless, I understand and good for you for ditching us".