Isoa Reviews

Completely ignored my claim no response no contact DO NOT BUY

I have never claimed from my policy and then my school enrolled me in a different insurance company and when I called the customer service to check whether I could cancel the policy I experienced the worst customer service ever they didn t listen to me completely and at the end they said no and didn t even ask me if I had any other questions And moreover the iso org website is not user friendly it had very minimal options to browse I would not prefer this to my friends

Being very cautious to buy ISO insurance if you would face cancelling the policy during your purchased insurance period We have over two years experience using ISO for my son s insurance Recently because of my son was qualified to have another insurance rather than international student F1 they were asking me to provide my son s personal ID information to proof himself to cancel the policy We rejected to provide it as we thought they had no rights to ask our personal information Since we have paid a full year policy and consumed less than three months we should have the rights asking for the refund which we prepaid However we got their reply as below Hello The following is the refund policy of your plan Premium refunds will be considered only for entry into the armed forces Unearned funds will be refunded for the number of full months only The refund request must be in writing and your medical insurance ID card must be returned with your request Premium refunds will not be considered if a claim has been filed during the period of coverage All refunds are subject to approval by the plan manager A 50 ISO processing fee is applied to all approved cancellation As you do not meet the cancellation criteria we are unable to provide a refund for the remaining months on the plan This information can also be found it he policy brochure page 11 That means whatever I provided my son s information or not they wouldn t refund anything to us because of the terms in the policy It s not only about the refund but the consumers rights Anyone should pay for the service or product they willingly and actually receive it The contract leaves us no choice to defend ourselves because the limits in the refund terms If the policy bonded with the terms infringing consumers rights to make a free choice is this contract still protected by law legally