The processing of my claim took 3 and 1/2 months. Insured International made extensive demands for medical records after the doctors form was completed. This was intrusive and not warranted as reason for cancellation was medical necessity: cancer diagnosis. The insurance company was looking for any way to avoid paying the claim. They eventually paid but not before delay in the midst of s medical crisis. I would never recommend this company.
It was easy to buy the insurance, and the basic information seemed clear. But in retrospect, you should carefully read all the fine print in the full description of each item of coverage. This is available only by going to the company's website and clicking on the Description documents (as you can see the full detailed policy only after you buy it).
They gave me phone numbers that I could call, because I needed to change my tickets on two different airlines --- but did not really offer anything else.
1. It took TravelInsured 6 weeks to let me know they weren't going to reimburse anything, because my mother (whose death required my interrupting my trip) had a "pre-existing condition" --- defined as "any condition which required medical treatment or treatment was recommended by a legally qualified physician" --- which pretty much defines the majority of people over age 65.
I'd actually paid extra for the "Cancel for any reason policy", because there was a possibility that the conference I was traveling to attend would be canceled; so I hadn't read the fine print in the rest of the policy.
2. I also hadn't realized that any non-prepaid expenses incurred from having to change your airline routing (such as buying another airline ticket and food and hotel costs for 20 hours of layover, that were not part of the original routing) are not reimbursable. This may be true of all travel insurance. I'd purchased insurance for 5 other trips, but had never made a claim before, so do not know.
3. They said they would have waived the "pre-existing condition" if I'd insured all my nonrefundable prepaid expenses. At the time I bought the insurance, I was sure that my conference fee was refundable, as the sponsors had notified us that they might have to cancel, so I hadn't included it in the total. But I'd insured myself for a grand total of $1,078, and the only other prepaid expense that I included in the claim was a $59 air ticket. Because my $399.47 claim included the fee for the unattended portion of the conference ($342.86), they refused to reimburse even the $59 airline ticket that I'd had to throw away. (Had to buy a new one for twice the price.)
Interestingly, the people you speak with before buying the policy are very friendly, but once you've purchased, the experience is fairly unfriendly.
So I will never purchase travel insurance from TravelInsured again, and will read all the fine print I can find, before purchasing the next policy.
We had a 24-hour delay on the outbound flight and submitted a claim for additional transportation expenses and loss of one night's lodging. Travel Insured handled our claim in a professional and courteous manner, and reimbursed us promptly. We are very satisfied with our experience.
Easy, no problems
Did not access
Prompt payment of exactly what I expected after our Trip Delays. I've never had to make a claim before and Travel Insured made the first one painless - and helped alleviate the pain of two days of missed vacation.
Had to cancel my trip due to medical emergency 1 week before departure date. Notified Travel Insured 2 days after accident and received electronic claims forms within 2 days. Forms were easy to complete. I collected documents required from travel agent, credit card company and doctor, submitted forms a couple of weeks later and received an email confirming receipt of my package. Eleven days later I received a check. Great service.
The insurance policy we purchased was completely useless. We tried to determine whether we could cancel our trip due to situation in Egypt. We were told we would not be covered. After the trip, I called and inquired some items we lost during our trip. I was told everything was excluded, except for a CD which costed $10, and I had to go through tons of paperwork to claim for $10.
Why should I pay $425 and buy insurance?
We have just completed our trip and it was not uneventful. Unfortunately my husband had a serious accident and was hospitalized for 10 days. The insurance company was extremely helpful in making the necessary arrangements for us to fly home and I could not be more pleased with their services and communications during this stressful time. As for other claims I have not had enough time to find out if they will handle them (medical) for a while. However, if they respond in a similar manner as they did for getting us home I will give them the 5 stars that they will deserve.
I purchased this policy a couple of weeks before going on a hiking expedition in Peru. My husband and I are both middle-aged, in decent health, but I felt that we needed protection in case something went wrong on our trek to the Salkantay mountains. I was so glad that I did as I had the misfortune to develop some massive blisters underneath my toenails requiring the surgical removal of 3 of my toenails at the conclusion of our trek. Before the trip I received very thorough explanations on how to submit a claim and instructed to print out the policy information and carry it at all times. On April 22nd, I had my surgery in the late afternoon and immediately sent an email to customer care services to submit a claim. I received a reply the very next day giving me thorough instructions on what paperwork I needed to fill out in order to submit a claim. I made sure that the medical provider gave me all of the necessary paper work so that I could submit my claim. We returned home on April 27th. I mailed my paperwork to travel Insured on April 30th. On May 6th I received an email from Travel Insured International that they had received my paperwork and were processing my claim. On May 13th I received a phone call from Travel Insured that my claim was processed and that I should receive my check within 7-10 business days. On May 17th, I received my check for the total amount submitted less my $50.00 deductible. I could not be more pleased on how smoothly, efficiently, and professionally this claim was handled. I definitely will buy from Travel Insured again and will never travel internationally without travel insurance.
Unlike previous trips when we had purchased the insurance and had no occasion to file a claim, we had to cancel our cruise due to an unforeseen medical situation. The insurance company responded immediately with the necessary claim forms and processed our claim in a timely manner once the forms were submitted.
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