So far, I'm not very impressed with the response I've had. I was told that it didn't look like my situation would be covered but to go ahead and file a claim anyway. How can mechanical problems with the plane which causes you to miss your connecting flights and you have to buy 2 new plane tickets to get home not be something that would be covered.The first requirement is a letter from the carrier that caused the delay so I am at the mercy of them for now. Hoping for a happy ending....
I have sent claims for myself and my son and your insurance company said we need to submit medical bills that list our name, which we already submitted but in Japanese not in English as the medical cost incurred in Japan. A representative confirmed this should be processed as they have a translator to read the Japanese medical bill, but when I called back to follow up for the status, they repeats the same excuse for not processing... I had the same conversations three times already and they keep asking me to wait for 10 more days each time and it's been already 1 month passed since I sent a claim initially. They just need a translator to read the bill. If they can't even process in foreign language bill, they should not offer an international travel insurance policy.
I made a claim at least 2-3 weeks ago. I was told a letter was sent to me concerning what else is needed. I have received nothing and I am getting no support whatsoever from you or the insurance company . I am at the point where I am ready to report this to the insurance review board in Illinois and publish negative remarks on yelp, Facebook and ano other online rating system. Please contact me. XXX XXX-XXXX
We had two issues in dealing with the insurer. First, before we left, my husband had some health issues, but we didn't have time for him to get tests to confirm a firm diagnosis. We did have an MD letter recommending that he not travel until his condition could be diagnosed. We talked several times with the insurer to try to cancel the trip if it would be covered by insurance. They would not give us an answer--said we had to cancel first and then the would let us know if the insurance would cover the cancellation. We were not confortable cancelling without knowing whether coverage would apply, so we decided to take a chance and take the trip and use the medical and evacuation coverage if his condition was serious. Believe me, this was very stressful for both of us. Fortunately he had no issues during our travel but I felt that this was NOT the way our issue should have been handed.
The second issue was with and accident that I (the wife) had during the trip involving a fall with severe injury to my left arm. I filed a claim for the medical cost, which I am told will be reimbursed, but I have not yet heard from the insurer regarding the claim I made for the change fee for my return flight--I had to change my departure airport because I was advised in writing by the ship's physician that I should not drive an auto, and I had planned a driving trip at the end of my cruise.
1) Squaremouth? John Hancock? Who is whom? I was not clear if I was dealing with representative of insurance company or go between.
2) It took many months for my claim to be settled. Apparently more information had been requested via email, an email that I did not receive. When I called to
inquire about the status of my claim, it took a couple of calls to ascertain the status of my claim.
3) I had questions regarding aspects of my claim; it was hard to get questions answered adequately.
First of all, I am not disputing the verbiage in the policy itself. My complaint is regarding the purchasing process of this policy right from the start and the use of multiple brand names to create confusion. Don't let the "zero complaint guarantee" make you believe you have an extra layer of protection. You don't and it does not mean a thing.
Half my overseas trip was ruined by a situation out of my control and I incurred hundreds of dollars of charges as a result. The entire airport in Manila was closed for the APEC summit meetings. I was relieved to know I had purchased trip insurance from a well-known company in Chicago, John Hancock Insurance—which according to the Square Mouth website included cancellation and delay.
Upon requesting the appropriate claim forms, the form itself says it is actually “American Modern Insurance Group”. However, after making sure that was the correct form it appears the forms are actually mailed to “Seven Corners”. I later found out that “Seven Corners” is only the processor of claims. It appears that multiple companies are involved and that they are simply using different names to confuse and mislead consumers.
My claim for trip cancellation was denied and I was advised (after several emails) to file an appeal under a different reason, trip delay. I spent countless hours filing out all the forms again and providing proper documentation and proof of such occurrence. The second claim with "John Hancock Insurance” was also denied. There were no responses to my emails, again for weeks. I also, placed many calls and emails to the “zero complaint team" at squaremouth.com asking for further clarification regarding my specific trip insurance policy that I purchased. After about a month I finally was given an answer, simply stating, that I was not covered for that “reason" under that policy.
Regardless of the writing in the policy, I am asserting that I was cheated and completely mislead into purchasing this insurance policy from the start. I am asserting that I was lead to believe I was purchasing from a prestigious name; John Hancock Insurance. This was clearly a bait and switch scheme and absolutely unacceptable. In addition, I was not made aware prior to my purchase the extreme limitations of this policy and that I would actually be dealing with multiple companies other than “John Hancock". This would have drastically altered my decision in choosing such a prohibitive policy from unknown companies.
I called the next day after i returned from my trip to do a claim. John hancock insurance agency told me that they will send me a email to do the claim. But till now i havent get any email from them.
Thank you for posting a review of John Hancock.
We apologize for your negative experience.
A member of our Zero Complaint team will contact you to discuss this further.
Please contact us at 800-240-0369 if you have any questions, we are happy to help.
I've spent the many months that the cruise company has canceled every itinerary, trying to recover my insured loss. Even with them in bankruptcy, your excuse was it wasn't the right kind of bankruptcy. When they closed their Chicago office, I knew it was all over for them.
Low ratings because I sent an email 30+ days ahead of cruise requesting consideration of refunding payment account not able to make cruise.....never got a response from your Company, and will NOT us again! Even if declining refund, a response is proper way to handle Customers
The initial quote I received squarely failed to meet requirements that I specified and it was only until I purchased it and read the specifics that I was able to discern that- the Squaremouth rep clearly did not listen to me in assessing my needs. Subsequently, I called immediately to cancel the policy and the staff was very responsive about facilitating the change to a different policy and cancelling the first one- in all, the service was good,but the initial misstep could have been completely avoided and honestly, I was clear in the coverage that was needed and iterated it to the first customer service person, who apparently either disregarded it or didn't listen.
Was never used- but my daughter did end up with a hospitalization that the medical staff of her organization attended to- nonetheless, it gave us peace of mind to know if an evacuation had been necessary that we had the coverage.
Multi-Award Winning Customer Service
Squaremouth’s out-of-the-box approach to customer service was recognized internationally in 2017, earning a Gold Stevie Award for Customer Service Department of the Year. This was Squaremouth’s first international Stevie and fourth customer service award overall.Read more
Customer Service is Everybody’s Job
“Customer service is not a department, and Squaremouth knows it. Every employee spends time on the phone with customers.” New York Times and Wall Street Journal best-selling author, Shep Hyken, explains four core components of Squaremouth’s exceptional customer service.Read more
$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
One of America’s Best Workplaces
Squaremouth is consistently recognized, both locally and nationally, as one of the best places to work. Fortune Magazine named Squaremouth one of America’s Best Small Workplaces and the No. 2 Best Workplace for Women in the nation.Read more