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.
I didn't even think about the insurance. It's just something I need in case of problems, and I didn't have any.
I loved buying and forgetting!
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.
I did not make a claim so I'm unable to rate the insurance provider's performance during and after my trip.
Easy to sign up with. We have been using VRBO for a number of years, and wanted to ensure, since we booked so many months prior to our trip, that we would be covered by insurance in case some unforeseen incident should occur (death of a loved one, illness, accident). I cannot attest to what would happen in the event that a claim had to be filed, but the sign-up process was easy.
Having insurance gave us confidence to make the trip during potentially bad weather.
I would be careful with this company. We purchased a policy then had to make a claim because of a family illness. I would say that at every turn, they were looking for nit-picky reasons to delay paying and try to deny the claim by asking for what in my opinion were superfluous documents. In the end, I got them everything they asked for and they did pay the claim though I can imagine having an issue had I not been so thorough in gathering my information especially the forms from the doctors. If they had denied I would have invoked the cancel for any reason option, which I paid extra for, but that would have meant eating 25% of the cost. My claim was not for a lot of money - $1300, not sure how they would have dealt with a larger claim. Further details: I had to call them many times to get a status update, they would mail me denials even though my claim was still open and they had literally asked me a few days earlier for the additional documentation. Many of the agents were not knowledgable and it was difficult to get in touch with someone who was. I chose this company because their price was very competitive, I don't know if a more expensive policy would have a better claims process, but I can say that this experience would not make me choose this company again if I was trying to cover a more expensive trip. SquareMouth makes the buying process simple, but you are on your own with a claim unless you want to invoke their zero complaint guaranty. I didn't do that because ultimately I got paid, not sure whether they whether they could have gotten me paid if I was denied. If you do choose this or any other insurer, I would be very meticulous with your forms and information.
I only get Travel Ins. In the event of illness, job loss or death of a family member. Unfortunately, most Ins. Companies avoid any payments if at all possible. You MUST read the fine print and ASK the right questions. For ex., if an airline goes on strike and makes an announcement prior to your departure date, you have NO coverage. It must occur extemporaneously on the departure date. When does this happen???? Beware!!!!
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