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Customers who have visited Costa Rica rated our travel insurance plans
4.58 out of 5
552
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
AXA Assistance USA Silver
To begin, when I tried to get the necessary form to file a claim, not only was AXA's phone system a mess, causing me delay after delay until I finally reached someone in Chicago who sent me a PDF that would not open, (and I have the newest version of Adobe Reader), and then that person was "not at her desk" immediately after she sent it - so after trying multiple times to reach her again, and her failed attempts to get me a document that WOULD open (she could not send a Word Doc), I had to have them send it snail mail. And that was just the beginning of my frustrations.

The reason I filed a claim was that when Delta changed our return flight to an earlier time, I was too far out in the country of Costa Rica to make the flight on time by scheduled means (van + ferry + van), so I bought a flight to get us to the airport a day early, and stayed in a hotel so we could make the flight home with Delta. AXA would not cover this under "Missed Connection" or Flight Delay" because it was not "a reactionary" event or "a defined Hazard".

I guess I should have missed the flight, stayed in Costa Rica another couple of days until Delta could reschedule us at $200 more each, and sent AXA the bill then. It would have been a lot more than what I wanted to be reimbursed for, but perhaps AXA would have had to pay me. On the other hand, they would have probably found some excuse not to.

I don't know what Insurance company would have covered my situation, or what policy, but it seems like buying insurance at all is just not worth it because of so many fine points they can find to NOT reimburse you. And the frustration of dealing with THIS company on the phone was extremely stressful.

When I buy travel insurance again, I will read the policy much more carefully and definitely not buy it from this company.
Michael R. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Zac
    Photo
    Thank you for your feedback on the policy. We are sorry to learn of the setbacks you experienced when attempting to initiate and file a claim. We will forward your review to AXA Assistance USA.

    Based on the explanation provided by AXA per your review, they are correct is saying that Travel Delay or Missed Connection requires you to experience the Hazard in order to receive coverage. In our experience, the large majority of travel insurance companies would work the same way.

    In the future, we encourage you to call us at 800-487-4722 prior to purchasing a plan so that we can help you select a plan that best suits your needs and explain how the benefits apply.
    Mar 26,2016
The trip included a
cruise
CSA Travel Protection Custom
My cruise was cancelled due to bankruptcy and this pathetic insurance policy was worth nothing to us. They refused to cover any airfare or accommodation loses what so ever, because they we not considered a covered event! Give me a break!
Ruth H. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Zac
    Photo
    Thank you for your feedback on the policy. CSA Travel Protection has issued the following statement in response to your review:

    "We’re sorry to hear about the circumstances surrounding your claim. We take reviewing and responding to claims very seriously. We’ve reviewed your claim and a member of our team is reaching out to you to explain why your claim wasn’t payable. We aim to ensure our customers understand the coverage details of our plans and strongly recommend they review a sample Description of Coverage/Insurance Policy that is provided at purchase. We also offer a free look back period with all of our plans to allow customers to cancel their policies within a designated period as long as they haven't already left on their trip or filed a claim. Thank you."
    Mar 21,2016
InsureandGo Global Silver
Our claim was denied and it should not have been and we plan to dispute it. The response from the claims department has been abysmal. Many emails go unanswered and though they claim the denial was issued in February for a December trip, they never sent any information despite numerous follow up requests. When someone from claims finally responded after three follow up emails, the responses were unsatisfactory. I would not recommend this provider at all if you actually want your insurance to get used.
Evan S. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for a plan that is no longer available.
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Universal Cruise
It's difficult to review a plan that wasn't used. A true review would have come if a claim had been submitted. Luckily, that wasn't the case.
Dorothy C. 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
The trip included a
tour
CSA Travel Protection Custom
We had to cancel our trip due to my spouse's sudden health issue. I submitted the proper materials to CSA.. Within severaolhours of my sending in the materials by fax, I received an email that my claim had been processed and that we would receive 100% of the requested reimbursement within 7 - 10 days. We received the check in one week. The follow-through and service was excellent. I highly recommend the CSA Company to you!
Daniel S. would recommend this plan to a friend or relative.
6 of 7 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
tour
TravelSafe Classic-Plus
My trip was very uneventfull and I didn't need to use any part of the insurance plan. Just glad I had it if I had of needed to use it.
Shirley F. 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
The trip included a
tour
Travel Insured Worldwide Trip Protector
It gave me peace of mind with winter travel. Luckily I didn't need it.
Sharon M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
Found out later that the travel company offers a plan that is based on trip cost alone and does not consider age of travelers.
Stephen S. would not 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
The trip included a
cruise
Nationwide Mutual Insurance Essential
We incurred costs for hotel, taxis and food due to missing our connecting flight in Miami. So even though American Airlines was horrible to us, Nationwide was great. They processed our travel claim quickly and painlessly. I will definitely use them again!
Robert C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
tour
RoamRight Preferred
We always purchase insurance when we travel. This was the first time we had to file a claim of any type. This was the first time we used RoamRight. My husband required surgery which necessitated the cancellation of our trip. The claim was processed with a minimum amount of paperwork and resolved in an expeditious manner. Our claim was paid promptly. We
were very satisfied.
Ellen S. would recommend this plan to a friend or relative.
4 of 4 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
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