I took out a policy which included the costs for my hotel nights totaling 6. Four of my reservations were a problem for me, which I considered a Trip Interruption. My 4 nights stay at Island Beachcomber on St. Thomas for the 2 nights before and 2 night after my sailing with Island Windjammers were originally placed thru a website claiming to be taking reservations for the hotel I planned to stay at. When I got to their hotel on St. Thomas, they didn't have any notice of my reservations for any of the 4 nights. I was able to stay with them because it was considered low season and they had rooms available, but I had to pay for them as new reservations. I contacted my VISA card holder regarding the problem and investigations have been started, which will take up to 45 days. In the mean time I'm out the cost of the 4 nights which I purchased in August of 2015 and for which I included in my insurance policy with Squaremouth. I contacted Customer Service at Squaremouth shortly after I returned home to let them know what had happened. They said my booked loss was not covered by my policy. I find that absurd since it was clearly a Trip Interruption issue. I'm waiting until I hear back from VISA regarding my charges before pursuing any actions against Squaremouth. If I need to take action I do plan to contact the NYS Attorney General's Office to also file the complaint with them unless Squaremouth comes up with a more equitable solution.
MH Ross quickly and expediently answered my questions about which drivers were covered on the rental car policy we elected. We were very satisfied with all elements of this coverage and purchase.
My only direct contact with the company was to increase my coverage limits after I purchased air transportation. They were quick and efficient in processing my request.
One MH Ross Rep tried to be helpful in advising me on how best to have my claim resolved. However, his information turned out to be inaccurate. He told me that he had made an error and apologized - that was at least honest. However, claim is still in process. So, until it is resolved, not sure how to comment.
Good experience but website needs to be more user-friendly.
Initially received my copy of the policy from Squaremouth but none from MH Ross. Contacted Squaremouth who emailed MH Ross with a cc: to me and MH Ross emailed the policy within a matter of hours. Very pleasant and efficient.
The coverage was affordable and comprehensive. It was great not having to worry about what might happen if something went wrong. The customer service reps were knowledgeable and easy to do business with.
Best price for the best value. Needed pre-trip medical insurance proof to get a visa and they provided it quickly and without any hesitation. Though true test is if you have to use the insurance which I did not, I still will continue to access my travel insurance through squaremouth to find a best value and price travel insurance on future trips.
Three days before departure, there was a hurricane forecast to hit my town one day after I was supposed to leave. If indeed the hurricane held to this track I wanted to be able to cancel my tour so that I could stay home, prepare my house, and evacuate my possessions including my pets. I called MH Ross travel insurance and although I would be covered for reimbursement if the hurricane hit where I was traveling to, there was no coverage for cancellation if I had had to stay home to take care of my own house. I think this is an oversight that needs to be addressed. I almost had to lose the cost of my entire tour :-(
I recommend squaremouth as they were most helpful and easy to work with. It was my first time purchasing travel insurance and when needed again I would go to squaremouth
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BY KATHERINE SNOW SMITH
Times Staff Writer
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