I wanted to give an update on the claim I filed with my credit card regarding the $2000+ I lost on my Faroe Islands tour this past July. The company Visa uses, eclaimsline.com, is run by Allianz Insurance. My initial claim was denied, with eclaimsline stating that the guide I hired was not a common carrier. I appealed based on info from the guide company, and was denied two more times before they stopped communicating with me entirely. Emails to various folks at Allianz insurance went unanswered.
I then filed a claim with the California Department of Insurance, who surprisingly were on the case immediately. I sent them all of my info, and they filed a claim for me with Allianz. A few weeks later, a person higher up from Chubb Insurance (I guess they own Allianz?) again denied me, yet they ignored one of the emails I forwarded from Guide to Faroe Islands. When I asked why they ignored that email, the claims agent with the state of California also asked for clarification and indicated it was part of their file.
They finally acknowledged that email, stating that Guide to Faroe Islands is indeed a "Common Carrier", and overturned their denial three days ago, and have sent me a check.
It took three months of back and forth, but in the end it was worthwhile. Bottom line, don't mess with retired people who have time on their hands.