Travel Insurance Reviews GoReady Choice
Along with all the standard coverages offered, the APRIL Choice plan provides many options to fit your travel needs. These options are Cancel for Any Reason, Cancel for Work Reasons and also an option to upgrade your Trip Cancellation coverage.
To lean more, see the APRIL Travel Protection Choice product page.
The trip included a
tour
GoReady Insurance
Choice
When I purchased this policy, it was one of the least expensive of the many that I looked at with comparable coverage so that is why I continue to recommend the April Travel Protection Plan. However, buyer beware that processing times for claims submitted is not efficient or quick as my recent experience shows.
We had a small $120 medical claim for a doctor visit to my hotel room in Germany. I was too sick to leave the room so our B&B contacted a clinic for the doctor to visit me. The Dr. gave me 2 documents, one verifying my personal information, the diagnosis and the amount "liquidated" to pay for the visit and the second one was medical documentation on my condition and treatment given. It took 72 days to get reimbursed on the claim even though all documentation initially requested by the insurer was provided and the claim was filed promptly upon my return. The insurer used a 3rd party processing company which may have slowed everything down. At about 45 days after claim, I called an April customer service representative when I didn't hear anything on the status of the claim. Once that person got involved, it seemed to move the process along or at least to the desk of the 3rd party processor. And if you have any claims make sure you not only keep all receipts and documentation, but those receipts must specifically state the amount billed was "paid", especially if you pay in cash and not by credit card, as we had to do with the Dr visit to our hotel room. The doctor hand wrote the receipt with the amount noted as"liquidated" which wasn't enough proof to them that I had paid. (Doesn't liquidated mean "paid"?) Eventually, it was resolved after the processor contacted the B&B. I assume it was it to "verify" my illness or possibly the requirement that I had to pay in cash? Having said all of the above, I am not sure if the claims processing time or procedures are "par for the course" for travel insurance claims. I am satisfied that the claim was paid, but it took a lot more time, effort and followup than I think it should have on an uncomplicated and small dollar claim.
We had a small $120 medical claim for a doctor visit to my hotel room in Germany. I was too sick to leave the room so our B&B contacted a clinic for the doctor to visit me. The Dr. gave me 2 documents, one verifying my personal information, the diagnosis and the amount "liquidated" to pay for the visit and the second one was medical documentation on my condition and treatment given. It took 72 days to get reimbursed on the claim even though all documentation initially requested by the insurer was provided and the claim was filed promptly upon my return. The insurer used a 3rd party processing company which may have slowed everything down. At about 45 days after claim, I called an April customer service representative when I didn't hear anything on the status of the claim. Once that person got involved, it seemed to move the process along or at least to the desk of the 3rd party processor. And if you have any claims make sure you not only keep all receipts and documentation, but those receipts must specifically state the amount billed was "paid", especially if you pay in cash and not by credit card, as we had to do with the Dr visit to our hotel room. The doctor hand wrote the receipt with the amount noted as"liquidated" which wasn't enough proof to them that I had paid. (Doesn't liquidated mean "paid"?) Eventually, it was resolved after the processor contacted the B&B. I assume it was it to "verify" my illness or possibly the requirement that I had to pay in cash? Having said all of the above, I am not sure if the claims processing time or procedures are "par for the course" for travel insurance claims. I am satisfied that the claim was paid, but it took a lot more time, effort and followup than I think it should have on an uncomplicated and small dollar claim.
Maureen D. would
recommend this plan to a friend or relative.
5 of
6 people found this review helpful
The trip included a
cruise
GoReady Insurance
Choice
We did not need to file any claims but liked knowing we were protected at a reasonable cost.
Dale L. would
recommend this plan to a friend or relative.
1 of
4 people found this review helpful
The trip included a
tour
GoReady Insurance
Choice
I had to file a cancellation claim due to a medical emergency three weeks before my trip departure. After sending in required documentation my claim was paid promptly.
John B. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
GoReady Insurance
Choice
The agents were most helpful and responsive.
Judith L. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
GoReady Insurance
Choice
Do not get sick while covered by April Travel "Protection". My wife got ill in Buenos Aries (BA) and I called April Travel directly. The agent said they have no record of our policy. I called InsureMyTrip they they were EXTREMELY helpful. When I called the agent back from the ER in BA she was CLUELESS - even incorrectly said our cruise was not covered. She said someone would try to get in touch with us for medical help. My cell phone had a "missed call" from Canada. When I called that number back, a recording in French, then English, said their offices were closed! When I call April back, the same agent told me to expect contact from Excel Management, who would assist us. Never got a call. Luckily, our doctor in BA wrote in the Medical Report that we should return to the Denver immediately and we did. The claims saga was even worse - but I'm sure you get the picture.
Peter K. would
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
The trip included a
cruise
GoReady Insurance
Choice
Directions for documents needed for claim ( trip cancellation) were not clear but when I contacted them it was clear what was needed. I am very satisfied with April and would use them again.
Rosemary P. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
tour
GoReady Insurance
Choice
The amount of paperwork was a bit of a hassle, but my claim was paid in full once it was all submitted
alfred z. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
tour
GoReady Insurance
Choice
On the return flight to Chicago our checked bags did not arrive with us. Email the insurance to notify them of the problem. The bags had luggage tags that the insurance company gave us. The insurance company emailed me back that since I was home there was not coverage on the bags.
Bruce D. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
GoReady Insurance
Choice
It’s hard to rate it since I had no claim.
Richard K. would
recommend this plan to a friend or relative.
The trip included a
tour
GoReady Insurance
Choice
I have been purchasing the travel protection plan from InsureMYTrip for several years and have always been happy with the great assistance of the staff who help me in selecting the right plan suitable to my needs.
Rusi T. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
According to your policy:
"We will pay You, up to the maximum shown on the Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than 24 hours, while on a Covered Trip.
If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery,
We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.
You must be a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchase or replacement of necessary personal effects must accompany any claim."