iTravelInsured

My Claim was paid in full and took approximately 45 days as my claim was submitted over the thanksgiving christmas season ...so not too bad turn around time. Only real issue is their response time - could be improved as each time you send documents or ask a question response time can be up to 16 days. I had my claim information scanned with all documentation including additional medical documentation, credit card charges, non refundable trip costs with evidence of my notice of cancellation to providers with 48 hours of medical advise not to travel (as REQUIRED in policy) along with each providers' non-refundable policy as verification of claim loss. My claim was approximately $11,000 and was paid in full by itravelinsured within a reasonable time period with little follow-up needed. Only question they had, which delayed my processing by 16 days was for me to email back to them the electronic bank transfer paperwork for payment- it's the last page attachment of their claim form. I did not initially submit their electronic bank transfer form with my initial claim as I preferred paper check and was assured by itravelinsured customer service over the phone,aabsent the form, if claim approved reimbursement would be automatically issued in form of a check and my payment method would be noted. 16 days later I received a email from claims department to send electronic payment form which I did as all replies form them can take up to 16 additional days. Great company would recommend, just be sure to adhere to the trip cancellation qualification policy requirements and have all your ducks in a row BEFORE you send completed claim form with all support documentation (including electronic bank transfer form) and things should go pretty smoothly. Would use again.

Everything proceeded as expected.

Thank you for your assistance. It was seamless ... and a great relief as I thought I may have to cut my holiday short.

iTravelInsured was very hard to deal with. I was used to "travelInsured.com", when I could easily increase coverage , see premiums & pay for premiums etc online. With iTravelInsured, I called to get a quote to increase my coverage over the phone. The agent told me they didn't know, but I had to submitq request with the details in writing. Once I got the quote back via eMail, I could not increase the coverage by phone. Again, I had to submit something in writing to the specific department. When I didn't immediately get an answer, I was worried that I wouldn't have that increased coverage. I again called & was told "don't worry, the records indicate you will have the increased coverage", but it has to be done by the "finance" (or some other) department. I was literally on the trip when I got an email back (maybe with an apology about the delay), saying we were completely covered.
Luckily I didn't have to make a claim. That would have been very worrisome as to dealing with them. Or maybe they are much better with claims. Let's put it this way 1- I spent time writing this review to make sure my views were know re: my experience 2- I will Never use them again, even if they are cheaper & higher rated than another insurance company.

I broke my foot on my cruise, August 25, 2019. I went to the medical clinic on the ship and was advised that there was no treatment available to me other than crutches and they did not recommend those being on a moving ship. I feel this was told to me first because I was able to stand and walk on the foot. Secondly, the clinic was packed with patients and they were trying to thin people out. As far as I could tell, there was one injury emergency from a kitchen worker who appeared to be cut bad and bleeding, an elderly sick lady and SEVERAL crew that seemed to be new and having physicals. I felt with me being able to walk they did not want to deal with me. I hobbled the entire cruise and made due, but I was in terrible pain with a swollen and black and blue photo.

Holiday weekend prevented treatment from a orthopedic until Tuesday, September 3rd and since my policy expired August 31st, my claim was denied. I sent impeccable records and photos proving the injury occurred while on the ship. I broke my 5th metatarsal bone. I went into a walking boot for 12 weeks and have been in a walking shoe for 5 weeks, the fracture is not completely healed. I now have a bone growth stimulator to get the bone to heal.

While it's been frustrating dealing with the broken foot, it would have been a relief to be able to rely on the vacation insurance I purchased to cover my expenses. I would have loved to have been treated onboard the ship, first my expenses would have been covered. Secondly, I wouldn't have been in pain and miserable.

TRAVEL INSURANCE CLAIM REF: TC/iTI/TRVSE18CF/71964

POLICY NUMBER: 10572019041010492512

INSURED MEMBERS CLAIMING: Mrs Carolyn Parsons, Mr Christopher Parsons,