I had to cancel the trip in late March as Joe had a major stroke March 17 and died April 22, 2013. Holland America refunded my deposit in whole. I was out the cost of travel insurance. I saw no reason to file a claim as one does not get the insurance premium back!
Exdcellent insurance. When I did make a claim, the insurer did everything I had hoped they would.
My husband was hospitalized in intensive care.
The company was very supportive emotionally and financially.
I have not submitted the bills yet.
We did not have a claim but questions prior to our trip were ansered in a friendly, professional way and we would definitely book with Squaremouth and use this travel insurance provider again in the future.
The online information was very clear. I had no problems selecting the travel insurance I wanted and printing out the policy.
I did not follow one of the directions set by Travel Guard regarding contacting them asap about a delayed connection. Since I was traveling with a group, the organizer took care of the details.
prior to our trip there was no problem
I did not use the emergency hotline and actually forgot about it I went to an emergency center in Salt Lake City for treatment for extreme diarrhea. They treated me and gave me prescriptions for medication to try and stop the problem.
I have not heard from anyone regarding my claim as of today. I am still waiting to see what happens.
Email summary info only. Lacked detail about coverage.
I contacted TravelGuard for assistance when a flight was cancelled. I was told that there was no insurance coverage and was referred to another telephone number for help rebooking at my expense. I purchased premium cost insurance thinking, mistakenly it seems, that I was covered for this type of event.
We never received any paper documentation, but I assume the electronic documentation was all we needed.
We had to cancel the trip due to illness and also the insurance before it took effect. We were pleased that the company refunded our premium quickly and without any problems.
Travel Guard denied payment for my claim for a small medical bill aboard ship saying "You must first submit medical bills to your health insurance carrier(s). When they have made payment, please send us a copy of their benefit statement or denial letter. Please note, we are not a health insurance company, we are a travel insurance company..."
I had included a policy statement from my health insurance explaining they wouild not consider a claim until all other insurance companies had paid.
I again reviewed the policy I purchased and believe the language is clear that Travel Guard should have paid the claim which filed with all "required" documentation.
I also did not appreciate the snotty letter I received from their clams analyst, Lindsey Shippy. I did my part. I paid for the insurance. I filed the proper paperwork. They refused. I am glad I didn' have a significant claim for Travel Guard.
The break down of coverage was not clear before purchasing the policy. The knowledge of policy was somehow ambiguous.
I had an issue during my trip and needed a customer service in overseas. It was very difficult to get hold of a CSR. The phone number listed on my policy was incorrect. I had to search online to find an access code to call a collect call. Also, I was not sure which company I had to deal with to get support because the company I bought my policy incorporated its own insurance subsidiaries.
It was a horrible experience dealing with claim issues.
Overall, I will NOT purchase travel insurance policies from Travel Guard again in future.
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