My husband suffered a subarachnoid brain bleed the morning we were scheduled to leave for a European River cruise. He was hospitalized in ICU for 11 days. I contacted Global Alert the following AM (they were not available on the Sunday AM of the incident) and started the claim process. I received a listing of all the information that was necessary to process the claim. After his first followup appt of May 20, I secured all the medical discharge information and sent the entire packet in on May 22. A month later (on or around June 19) I called to check on the status of the claim....nothing had been done with it yet! I was told it would be expedited. Within the next month and 4 more phone calls, things finally moved along....verification from the cruise line, airlines etc. When I asked how long these claims usually take I was told 10-14 days, yet there was no explanation as to why our claim took so long. I had provided all the requested documentation , yet the confirmation on their end dragged. We finally received the checks the last week of July, along with an apology for how long it took to process the claim.
Needless to say, I would be happy to deal with Squaremouth again but will not opt for Global Alert insurance coverage.
Excessively slow (nine months) in resolving claim made on a "cancel for any reason" policy: repeated back and forth requests for documentation, initial denial and approval only after appeal.
Claim processing was very slow. I had to call several times to find out the progress of the claim. I thought the claim settlement was unnecessarily slow, and claim should have been paid weeks before we received it.
They referred me to Tripmate, the co that handles their claims. I sent in a detailed, fully documented and organized claim for less than a third of the insured amount. Tripmate took a month to pay most of the claim and continues to investigate a small portion that I had already provided documentation for. The person who called me about it didn't know whom she was calling, seemed confused about her task, and couldn't understand my explanation. I don't expect that amount to be paid but haven't the time to pursue it. There were a few other unpaid items but I decided to let it go since dealing with the company is so difficult.
As most have said, customer service has been horrible. Our bags were delayed three days and we are only claiming a few replacement items that are supposed to be covered. You would think we were applying for top security clearance. We sent them items and they would request the same items a couple weeks later. We called, emailed, mailed and still after 3.5 months we are waiting to get reimbursed. I just don't get it. They still made money on our policy too. Never again with them...I hope we see some reimbursement this year.
Documentation is NO longer mailed out because of everyone who buys trip insurance on line now wants them to print out their documents themselves. I guess this is done to save processing fees ($5) that I fell are too high especially when I did all the work by selecting the policy and having to print it myself.
Submitting our claim was straightforward, and we received our reimbursement without hassle. When we talked to customer service about it, they were very helpful: they got back to us in the time frame promised and explained everything clearly. It was a very positive experience.
We had to cancel the trip.
Due to an accident and an unhealed wound, we had to cancel our vacation. The insurance company gave clear directions on how to make a claim. I sent in the paperwork and we were refunded the full amount of the vacation. Any questions were addressed by a claim specialist. I am very satisfied with the company.
I had some questions for Squaremouth about my policy and tried to call 3 times for help. I sat on the phone for a total of about 3 hours at different times, which was ridiculous. Because I didn't get this question answered, the insurance would have been useless for the trip. I feel as if Squaremouth took my money and did nothing to make sure I knew how to work with the policy if something had happened.
Cancelled trip using "any reason" rider; documentation requested was reasonable,processed fairly quickly, amount reimbursed was as expected.
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