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Customers who have visited Thailand rated our travel insurance plans
4.45 out of 5
325
ratings and reviews
95%
recommended
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Filed claim
Global Underwriters Diplomat International
didn't cover pre existing conditions so I was disappointed, as that was what I was looking for.
Mary E. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
  • Zac
    Photo
    Thank you for your feedback on the policy.

    The Global Underwriters Diplomat International plan covers medical expenses up to a maximum of 20,000 USD due to a sudden and unforeseen recurrence of a Pre-existing Condition. This does not include coverage for known, scheduled, required or expected medical care, drugs, or treatments existent or necessary prior to the effective date of coverage. Otherwise, the plan excludes coverage for pre-existing medical conditions in a 12 month period prior to the effective date of coverage. This exclusion does not apply to Emergency Evacuation/Repatriation.

    The best way to waive the pre-existing conditions exclusion is to purchase a Comprehensive travel insurance plan immediately after you put money down towards your trip. Most policies will offer a waiver of pre-existing conditions if you satisfy the following requirements: purchase the policy within 10 to 21 days after making the initial trip payment; insure 100% of the prepaid non-refundable expenses prior to your departure date; and be medically fit to travel the day you purchase the policy.

    Please call us at 800-487-4722 if you would like to learn more about obtaining coverage for pre-existing conditions.
    Apr 16,2016
Travel Insured Worldwide Trip Protector
My husband had to cancel at the last minute for work reasons so he was unable to join us on the trip to Thailand. We submitted the paperwork exactly as requested and it was paid promptly. No issues. I also hurt my knee while on the trip and had to go to an urgent care clinic for treatment. Again, I followed the instructions given on the forms for submitting the claim, they called to clarify one issue, and then paid with no problem. I had kept all receipts and was able to provide everything they needed to document issues so things went smoothly. Very very pleased. I have been buying travel insurance for years and never had to file a claim for medical reasons, so I was glad I purchased this again.
Pamela Y. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
AIG Travel Travel Guard MedEvac Plan
I felt very comfortable with this plan. The feeling of not having to worry about any possible problems is priceless! The best part was not having to use it!
Lisa R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
John Hancock Silver
Thankfully, I did not need to use the insurance.
Lawrence B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Allianz Global Assistance Classic Trip Plus
I had a safe trip and didn't need to use the insurance. Knowing that Allianz will be there for me if I needed them was worth the small insurance fee.
LAUREN W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
HCC Medical Insurance Services Atlas International
I've been using HCC for years. In August I finally had an accident that required a 3-day hospital visit. I had to pay out of pocket almost $3,000 and its now 60 days after my accident and I have not been reimbursed. The company has given me no updates or time frame for this. My accident and treatment were very standard and clearly fall within the guidelines of coverage. It shouldn't take an underwriter more than an hour to see this and approve it.

I can no longer recommend HCC - they are the cheapest so I guess you get what you pay for. I will pay more in the future for a more responsive plan. As a Yoga Teacher, $3000 is a lot of money which I needed to borrow- I thought the entire point of insurance was to be covered when you have an accident....

I am frustrated that people give them such high reviews. Reviews from people who did not file claims aren't an accurate assessment of the company.

UPDATE: As of 11/29 I have not been reimbursed. I was told that my claim was closed because I did send a from that my hospital sent to them on the day of my accident.The front-line reps are very uninformed- many contradicting each other. The last guy told me it was a bad idea to pay my claim myself (I had to to get my passport back from the hospital), which was exactly the advice I received from HCC several months ago.

When an InsureMyTrip rep contacted them directly it was discovered that 2 pieces of paper were 'stuck' together and they would reopen my claim. Very unprofessional.

UPDATE Feb 2 2016

I finally received my claim check. I was reimbursed for the total amount of my claim, minus a deductible and small fee for the exchange rate.

I'm happy about this, however still unhappy about the 5 months it took to be paid. The company sent 4 checks to me that never arrived and after a number of phone calls they finally UPS'd one to me. How can 4 checks get lost in the mail?

Anyway, look elsewhere. I'm currently using IMG Global as they were very responsive to my questions about their policy, however I have not had to file a claim yet.
Keith M. would not recommend this plan to a friend or relative.
7 of 7 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. We have forwarded this review to HCC Medical Insurance Services.

    We are pleased to learn that your claim has been paid. Thank you for allowing us to advocate on your behalf.
    Feb 12,2016
AIG Travel Basic
Did not have to use the insurance, so the rating is not based on the fact how the insurance performs in an actual case of need.
Marcel O. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
John Hancock Gold
Simply said, a great plan. Fortunately, there were no incidents requiring a claim but I felt confident we were covered if anything should occur. I especially liked the information packet which outlines coverages and who to call if you have any issues. I would not hesitate to use JH Insurance again for my next trip.
John J. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
AIG Travel Travel Guard MedEvac Plan
This was a great option for travel insurance that only covers what I needed (medical/emergency coverage). Many other travel insurance plans lump in features that I have never needed (trip cancellation), which increases the premium. This plan is the best of both affordability as well as peace of mind.
toru s. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
AXA Assistance USA Silver
We had to change some parts of our reservation and there was no way to contact the AXA customer service to alert them. If we had had a problem while on the trip perhaps you wouldn't have covered us since there was a change. You should make it easier to contact someone in the event of changes or questions.
Wasana K. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn that you were not able to amend your policy to reflect itinerary changes. In most cases, a policy can be amended if InsureMyTrip or the insurance provider is notified before the scheduled departure date. InsureMyTrip is open and available by telephone and email Monday- Friday 7am - Midnight EST and Weekends from 9am - 9pm EST. Our phone number is 800-487-4722 and our email address is customercare@insuremytrip.com. AXA Assistance USA is open and available Monday-Friday from 8am - 7pm EST. Their phone number is 888-647-4295 and email address is ustravel@axa-assistance.us. If possible, it is best to call InsureMyTrip so that we can quote the requested changes and advise if there is an increase in premium. In the instance in which neither InsureMyTrip nor AXA Assistance USA is open, please send an email requesting the specific changes you would like to make. The time stamp of the email will be honored. Please note, policies cannot be amended after the trip departure.

    Thank you for your business. Please let us know if you have any questions or concerns.
    Jan 07,2016
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