Trip had to be canceled with just two days and a month prior to departure due to an accident where I ended up with total knee replacement surgery. I would not have been able to travel, nor navigate for months after. The insurance company requested what info that they needed from my Dr. and the total deposit we had made for the trip was refunded promptly.
On November 11, 2013 I had surgery for what appeared to be melanoma cancer. The surgery did show cancer and that I had a tumor on my lung. My doctor told me that I would be unable to travel and he referred me to M.D. Anderson Cancer Center in Houston, Texas. I immediately filed a claim with the insurance company completing all the forms sent me along with a letter from my doctor and copies of lab reports. The insurance company after January 1, requested further info from my doctor and the surgeon. This information was sent by both two weeks ago. I am currently receiving treatment at M.D. Anderson. I, nor any of my doctors were aware of this prior to my purchase of the insurance in October, 2013. Can you help me get my claim for the $8,998 paid?
I did everything online before the trip and did not talk to customer service.
We cancelled our trip before we left
Once I supplied all the information that was needed it took about 4 weeks for the check to arrive.
This was a monumental task where I had to do all the work. They got all the needed documents from me but there was no follow up on their part.
justifiable claim was rejected on "fine print" grounds
Their paper requests for information were harder to understand than when talking to a representative on the phone.
we felt we had to change the plane reservation home, it wasn't a crisis but was a medical necessity, so we didn't even file for the plane fare as it didn't meet their qualifications. Next time we would look more carefully at policies for doing this.
Trip was cancelled due to illness
I am still waiting for the doctor's documentation. The forms are quite involved for a simple claim. Requiring the doctor's office notes is definate overkill
Your online info on coverage for pre-existing condition give the impression that it is same coverage as non pre-existing condition. I learned only from the documents I received that the coverage for pre-existing condition has a ceiling of the total cost ot the trip. This should not be hidden.
Claim is in dispute. We contacted the carrier twice prior to making the claim to ensure we were doing it correctly and our loss would be covered and were assured that it would be. Now the carrier is wanting to pay only a small fraction (less than half) of our loss and has been unresponsive. I would never ever buy insurance from this carrier again.
I will not use this company again due to claim issues.
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