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I contacted Berkshire Hathaway to assist me in finding a clinic for a urinary tract infection. The agent transferred me to a medical assistant agent, and he found a nearby clinic for me, and he fax'd the paperwork to the clinic. I asked him what information I would need to have in order to file a claim. He said I needed nothing, because the clinic would bill Berkshire Hathaway directly. Everything went smoothly at the clinic and I was delighted that I chose Berkshire Hathaway. However, over the next 3 months, I was continuously billed by the clinic. I had to make many, many calls to Berkshire Hathaway to resolve the situation. I spoke to a supervisor numerous times. Each time, I was offered an apology and was assured that the claim would be paid right away, but the claim did not get paid until more than 3 months of my constant phone complaints. I will not use or recommend Berkshire Hathaway travel insurance again.
We had 2 visits to hospitals in India, the second one overnight. For the first one, BHTP paid directly as I called and got a hospital name from them. That went very smoothly. The second one, we basically got off the plane in Mumbai and went straight to a hospital without calling BHTP. When I filed the claim the paid everything.
Due to the seriousness of the illness of my wife we cut the vacation short and flew home on the next available plane. As we had booked 90% of our flights as business class, we took business class on that flight. Again, BHTP paid in full.
After having our Travel Organizer and the Flight Organizers itemize the skipped tours and flights, BHTP paid everything in full.
I filed on a Saturday and on Monday evening BHTP sent an email to inform us that they were paying!
We had an unusual situation. Our tour was cancelled, due to the travel ban to Iran. Before the U.S. Court stayed the ban, Iran retaliated with the same ban against U.S. citizens visiting its country. We contacted BH to see if we could claim in a portion of the airfare change fee, and we were told that our claim would be denied. Yes, it was an unusual situation. BH didn't regard the situation to be pertinent to its lists of guidelines. So, we lost on both the insurance premiums and the airfare change/cancellation fee.
The only road between Sedona where we live and the Phoenix Sky Harbor is I 17. The drive is 2 hours at most. We left by van service at 245PM on 8/8/17 for a 730PM British Air flight to London that, at the time we left for the airport, had already been delayed to 10PM. While southbound on I 17 in the van a propane tanker truck had a blowout and caught fire ahead of us. The road was closed for 11 hours. We missed the flight. We called British Air before the flight took off to rebook (we were flying business class). They charged us $17,238 to rebook 2 people Phoenix>London>Johannesburg. On the morning of 8/9 I called BHTP claims. I was told I could submit a claim but it didn't look good...no coverage for events beyond your control that prevent you from getting to the airport, at best $500 IF the van service was a "common carrier." Not likely on that score. One would think this is exactly what would be covered. Guess not.
Separately, there were two other "travel delay" claims during the trip. The claims forms ask for all sorts of arcane **** like "airline policies re delays," "how much did you spend on food during the delay?' Aren't they just going to pay the $500? Don't they have access to airline policies? You can be sure I will never, ever get another policy from BHTP. They are causing me to jump through needlessly difficult hoops. Even if they pay $500 on each of 3 claims it's still only half my premium. They came out ahead anyway.
And I will not recommend them.
I have purchased policies through square mouth for many years. This is my first experience with BHT and it will be my last
Their paperwork requirement was onerous. And unnecessary. For a simple claim like mine they required an on inch of documentation.
I sent in my claim and no one ever responded from Berkshire ZERO response at all NOTHING
The time for my claim is complete and I sent in all paperwork worth over 2,000 dollars but never heard back What a taste of fake travel insurance. I will never recommend Squaremouth or Berkshire to my friends or patients again
Just a heads-up for people considering this insurance. It's very economical compared to other policies, but a few things are at issue. One is that they do not provide an insurance card (that I've found invaluable in foreign countries that may be hesitant to even admit you as a patient) and expect you to print out either the coverage page or the 38-page policy (that is stamped with "Sample" in the back ground). I've used HCC and HTH in the past without problems as they issue a plastic, very professional looking insurance card that most places smile at and accept. At least to get initial treatment. After they fix your broken bones, THEN they might ask about finances, but won't send you away without treatment as they'll assume you have 1st world insurance coverage.
Anyway, BH does not provide that and will put you at risk for being rejected for treatment at the door (unlike the US and such, most 3rd-world countries don't HAVE to treat you at all and can refuse you outright if they think they won't get paid).
For triple the cost, it seems steep to have to go to another carrier solely for the insurance card, but with my experiences with injuries, the few bucks more is better paid now, than struggling to pull your wallet when half-conscious from an accident, hoping an ER will be satisfied that you might actually have insurance and treat you...
Fair warning. Hope BH has enough common sense to change this policy, but till then, I'm not hauling around pages of policy documents in my pocket everywhere I go in hopes someone will think it means I'm covered. Even a totally FAKE med card from somewhere would be better for getting you treated than a crumpled 8-1/2x11 paper policy you keep stuffed in a pocket...
Come to think of it? Just get a fake plastic card made in a 3-rd world country, then get the BH insurance. Use the card for emergency, immediate treatment, then get it paid for later by the BH insurance. Brilliant. ;-)
I have had medical claims before but was never asked for the amount of information being requested by Berkshire Hathaway. My departing air boarding pass from a month long trip -- really? A month later? Much more medical info than my primary medical insurance calls for.
This policy was a more expensive policy because it seemed to have better coverage. I doubt I would buy BH again.
The only time I needed to interact with Berkshire Hathaway Travel Protection customer service was a correction to my travel dates. The travel dates were correct when input into Squaremouth, but somewhere along the way, the dates shifted backward by one day. I e-mailed BHTP customer service with my request for date correction along with screenshots of the original dates input into Squaremouth, and they responded within a short time and e-mailed me a corrected copy of the policy within 24 hours of my request.
I was very impressed with BHTP customer service's quick response and action to complete the updates before my trip. Although, I did not need to submit any claims, I was very happy to have trip insurance that included first-payer medical coverage as my medical insurance only reimburses claims once they determine a claim meets their coverage criteria.
For any future trips, I would, again, purchase Berkshire Hathaway Travel Protection insurance, and would recommend purchase of this insurance through Squaremouth to my friends.
Before the trip had even started, but after buying the policy, highly
incompetent persons at Berkshire Hathaway kept giving me conflicting,
erroneous information. It took emails and calls to finally get them to
admit the info was wrong. They then corrected the mistakes.
I have the emails saved for future reference.
What I'm concerned about: if its so difficult to get anything done BEFORE
a claim even shows up, imagine how hard it would be to get them to pay on
a legitimate claim!!!!
Insurance? Dream on! No reduction in personal stress by buying this policy
as the company does not inspire confidence. So its fingers crossed and hope
there will be no need for a claim.
Travel Insurance appears to be a Donation picnic for Insurance companies.
Joseph Dantas :)
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