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.
We purchased the policy primarily for medical coverage while overseas.
Unfortunately my wife and I both got sick before our trip, and had to cancel. We filed a claim with InsureandGo. They acknowledged receipt of the requested claim forms and backup (21 pages). About a month later I called the claims representative to ask the status of the claim. She told me they were waiting for my claim forms! When I read her the acknowledgement she blamed another department for not "downloading" the information. A week later I received the check. What I did not receive was an apology for her fumbling the original claim information. While I received the insurance proceeds, it was definitely not in a timely manner. It was a frustrating wait to get the refund we were entitled to.
Steven S. 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 on the policy. We are sorry to learn that you were unable to travel. However, we are pleased to learn that your claim was paid. In the future, if you experience an unusual delay in claim status communication, please contact InsureMyTrip and request a Customer Advocate. Our representatives are available 7 days a week by calling 800-487-4722 or emailing [email protected].
This company will provide medical help at no cost to the insured but you have to ask. I did not realize this so I made my own arrangements which was repaid within a reasonable time after I submitted my claim. I was very satisfied with the service provided.
Abraham G. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
Thank you so very much for your review of the InsureandGo plan.
The Platinum policy states under the
EMERGENCY MEDICAL ASSISTANCE that "Our multiâ€lingual professionals are available 24 hours a day to provide help, advice and referrals for medical emergencies. We will help You locate local physicians, dentists, or medical facilities.
If you require medical assistance please call us immediately. We will coordinate medical services that you require during Your covered trip including admission to medical facility, guarantee of funds for admission, notifying family members, and medical evacuation and transportation services if required."
Should you call the 24 hr Assist company and it is not a medical emergency, InsureandGo will find a provider in the area network, so that the insured has no out of pocket expense. If the condition is unstable and they need immediate medical assistance, they will find the closest provider (whether in or out of network) and they may be able to pay on the insured's behalf, otherwise, it is reimbursable.
Of course, if the assistance company is not notified and the insured makes arrangements on their own, medical expenses will be on a reimbursement basis, if a payable claim. As you indicated, this is what happened in your situation, but had you called the assistance company prior to seeking medical treatment, they would have set you up with an in network provider and paid directly for you.
it was very comforting to me to know I was covered well - thank you and I pray you all have a blessed Christmas - Jesus is the reason for the season......
Linda Stone
Linda S. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
We had the peace of mind when traveling overseas with this coverage. I appreciated the advice your representatives gave me on the phone when selecting my plan.
ilene m. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.