Final documenttion did not arrive until the day we were leaving!!! Also had not been forewarned that more documentation would be arriving.
Its great getting the policy but when you need to make a claim it can be tedious and airlines and insurance company have "subtle roadblocks" to discourage you or deny you in my opinion. If they really cared about you as a customer they would provide an easy to read , up-front, required-reading list of things to do in case of needing to make a claim, such as for damaged luggage tell you that you need to file immediately with the carrier at the airport. I have never made a claim before and was unaware - but of course the companies know this ,along with the other subtle roadblocks.
Before trip? No contact. No customer service, but I did not expect any.
No contact during trip. Contact was not possible.
Clain "requires" original receipts. There was no "original receipt for a cash purchased air e-ticket bought in an emergency. I hope I collect. It took me a week to get an airline confirmation of this purchase so I could complete my claim.
I was stuck at LaGuardia (NY) airport flying back to Montreal on the last day of my policy due to winter conditions and I could not get anyone who would be able to extend my policy for another day.
While the forms to fill in were lengthy, sometimes repetitive and not always clear, I received prompt email responses to my questions, and no further requests for information or documentation once I had sent the claim form in.
We received one copy of the policy by mail rather than both that we had purchased (one for my husband and one for me).
The first few times I tried to call the emergency help line, on a Saturday morning, there was no answer and no way to leave a message. I tried again on Monday, two days later, and received an answering machine but no one called me back. Finally, I was able to get through to someone either later that day or the next day. When I was able to reach people on the help line, they were very helpful and pleasant.
The claim check was processed on February 16, 2010, but I didn't receive it until March 4, 2010. Part of this delay, at least a few days' worth, is because I have an overseas address. The paperwork I had to provide was extensive and somewhat burdensome, including some things that might have been difficult to prove if I had been asked. For instance, the time/date provided by the airline's website for delivery of our lost luggage was not actually the date/time it was delivered as that date/time was much later. In any case, I was very pleased from the standpoint of the people I was able to speak with on the help line and also, of course, pleased that they paid my claim without requesting any follow-up documentation. Of course, I had given them everything plus the kitchen sink, so.... I would use this provider again and I think the claim turnaround time was quite fast, all things considered.
AS SUSPECTED THEY DID THEIR BEST TO DENY MY CLAIM. WISH I HAD NOT WASTED MY TIME. YOU SHOULD DROP THEM FROM YOUR LISTINGS AS THEY WILL NOT PAY.
Although I did not have a claim, I found out that I basically purchased insurance "in vain." I read the "exclusions" on the policy; however, right after the "exclusions" section came a section, the name of which I cannot recall, saying that basically, any claim made while on a "medically-related journey" was null and void. Had that specific part been mentioned in the section named "exclusions," I would not have bought the insurance, since the precise nature of my travel was actually medical.
Something went wrong between square mouth and itravel. It took a series of emails and phone calls to get all of our documents to agree. I've used both square mouth and itravel before and this is the first time there has been a problem, so I won't hold it against either company.
However, a flood in Colorado forced us to cancel the original trip plans. When we called itravel to find out our options, they were not cooperative. Fortunately the condominium parent company gave us our money back and found us another destination. So our trip was fine, and we don't need to file a claim, but it has made me question how itravel would act if we DID need to file a claim.
I had no need to be in touch with the insurance company.
$1,000 tips shine a light on service
Squaremouth, a company that puts a focus on how to treat customers, rewards 20 who do the same.
BY KATHERINE SNOW SMITH
Times Staff Writer
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