Comprehensive plans offer the most benefits, including Trip Cancellation and Trip Interruption. These plans provide the best protection for the investment you have made in your trip.
Before my trip began, I changed the number of insured days on my vacation from 28 days to 22 days, but I received NO refund for the reduced coverage. Although I reduced the number of insured days by 6, I was charged the same amount as for the full 28 days, $524. It seems to me that I should have been charged a lesser fee for a shorter coverage period.
Steven O. would not
recommend this plan to a friend or relative.
As usual, when I travel, I use Insuremytrip.com to research and select an appropriate policy. I purchased AXA Platinum as a result of my recent research. I had some confusion on what I needed to purchase of "known costs" and received a few different responses to my inquiries. I wanted to be sure that my policy would not be invalidated because of any failure to include a "known cost" There is a a brief window to change a policy. At the time of my purchase, I included the cost of airfare as a known cost. I later acquired travel through use of frequent flier points, which substantially reduced the cost of my trip. Since it was outside the window for making a change, there was no way to get a refund of policy costs. My request was sent to AXA through Insuremytrip and, thankfully, AXA approved my request for an exception to the normal policy on refunds. I appreciated that approval. Perhaps some more clarity about what is to be included as a known cost would be helpful.
Fortunately, I had no need to make a claim on the policy itself but the plan included what I might have needed.
Marcia S. would
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.
It’s hard to rate satisfaction since we did not file a claim. Trip insurance is very expensive as we are in our 70s. However, compared to other plans this one seemed to have good coverage at the most reasonable cost.
William D. would
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.
I lost my passport at the airport before I could board my fly and I had to cancel evrything. The only thing I claimed was the hotel that was pre-paid and one excusion but they claim that my reason for cancellation was not coverred.
Jesus R. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
Thank you for your feedback, Jesus. We’re sorry to hear about the circumstances surrounding your claim and for not meeting your expectations. We take customer service and the claims review process very seriously and strive to provide a fair, equitable and timely process for all customers. Supporting documentation is typically required in order for the policy to provide coverage for a lost or stolen passport, and our dedicated claims team will be contacting you to offer further details regarding the determination. If you have any additional questions in the meantime, please reach out to us at (800) 348-9505 or via email at [email protected]
I did not need to file a claim and was happy with the cost and potential coverages.
However I am not happy about not receiving a partial refund when my tour company cancelled a portion of our trip. I realize when a customer cancels refunds are not given however this cancellation was made by the tour company and now I'm the one at a loss. The $532.06 credit will probably never be used so I'm out over $500. There is no good reason not to give a refund in this case. You had my money for 6 months before the trip started and if for no other other reason than good customer service exceptions should be made on a case by case situation.
Douglas N. would not
recommend this plan to a friend or relative.
3 of
6 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
On June 14 I booked a one-way ticket to return to my home Country the United States after my visit to Argentina, paid $1,672. The departure date was scheduled for Tuesday June 29.
Unfortunately, a day before the trip I received a cancelation from American Airlines, which did not give me the option to rebook/reschedule the flight at least until August 3 (a months later!). After several communications with the airline nobody was able to assign me a new flight to return to the US at least until August 3. Many customer services agents suggested me to verify the availability in AA.com, and immediately book a new ticket if something became available, not waiting to call back the call center as the availability could change in the meanwhile.
This is what I did, I identified an available seat and paid for a totally new air ticket $3,376. Flying the day before, on June 28.
Once at home, I filed a claim with Generali, under the 'Trip Interruption Benefit', asking the Travel Insurance Company to cover ONLY the price difference between the two tickets (the original -canceled- flight has been refunded by the Airline). This was under the general understanding that the Airline was not able to accommodate me in one of your airplanes back to US.
The Insurance Company asked me to request the Airline the 'reason of the flight cancelation'. I gathered that information and shared with the Claims Representative from Generali, having back a nasty surprise: they have rejected the claim with the following reason: 'According to the documentation provided, the flight was canceled due to Airline schedule change...'
So, basically, if the Airline has Logistics issues and have to cancel your flight, you will NOT be covered by Generali Global Assistance. This is terrible, and real! The fine print on their policy is terrible. Do not buy from them, I've a clear case in which they have not covered a basic stuff.
I'm planning to engage a lawyer and fight for my rights! This is a typical case of Travel Insurance abuse!
Thank you for your feedback. Generali has provided the following response:
"We're sorry to hear about the circumstances surrounding your experience, and for not meeting your expectations. We take customer service and the claims review process very seriously and strive to provide a fair, equitable and smooth process for all of our customers. Letting us know how we are doing is the best way to ensure the best possible service. Unfortunately, like other insurance plans you may have, travel insurance cannot cover every event that might cause a traveler to cancel their trip. While frustrating, we want our customers to understand their coverages and what is not included, which is one reason we provide a 10-day free look so that you have extra time to review your coverages."