I have purchased this plan twice for two different trips. On the first trip, I got very ill and ended up making a claim for a doctor visit. It was paid right away with no trouble. So I bought the same plan again for a trip to Asia, having had a good experience the first time.
On the second trip, we had to make alternate plans on the fly (while abroad, mid-trip) after extreme flooding made one of our original destinations unsafe. We did not get prompt or useful advice in advance from the insurer regarding what they would cover, so we changed our plans in the most economical way we could manage, while still salvaging that part of the trip. After we submitted our claims, the insurer rejected our claims entirely, denying coverage under provisions that were not applicable to our claims and failing to address the provisions that were applicable. I called and spoke to them; they persisted in denying our claims. I sent them a letter explaining what provisions we were claiming under; they sent a letter back denying our claims without addressing my explanations or the applicable policy provisions. They then refused to reconsider when I submitted an appeal. I then filed a claim with my State agency regarding the insurer's handling of my claim. Lo and behold, our claims were immediately paid.
I guess the moral of this story is to hope that nothing goes wrong when you buy trip insurance, but if you buy this plan and something does go wrong, you better hope it's something straight-forward like needing a doctor's visit, and not that you have to re-route your trip due to a natural disaster. This company did not care to read and apply its policy provisions when processing our claims, nor did they give an intelligible or coherent response to our correspondence regarding our claims. They only paid our claims after the state oversight agency began an investigation into my complaint. Poor form indeed.
recommend this plan to a friend or relative.
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