I called and the claim form sent out (emailed) to me with easy directions.
I got the MD's section signed, my list of expenses I was asking for reimbursement filled out and a copy of all my receipts. I also sent an itemized list of each of the receipts I sent and what for. I emailed copies back (or could have sent by regular mail).
They notified they got and that they approved all and all within less than 2 weeks and check sent to me promptly,
Everyone was easy to deal with and very helpful.
I am glad I got the travel insurance. Never had to use before and I hope never have to again but definitely worth the cost.
I bought my travel insurance mainly for a rental car coverage. On my trip to Costa Rica for two weeks I experienced the following: flat tire in rental car, it ws repaired and payed for with cash as the person fixing it did not speak english, only spanish. no way to get a receipt and even if I did it would be in spanish which I do not speak or write. I also had my wallet and passport stolen from a restaurant. I luckily managed get back the belongings minus $45 that was in my wallet a couple hours later. Police report for that is unobtainable much les sin english. I had a surfboard get $225 damage while strapped to the roof racks of my rental car. again no police report much less in english. I also had the Costa Rican crooked cops take $30 from me for "not having my seatbelt on right?". Fat chance of them giving me a police report in english about that. I called after I got back to the travel insurance hotline to see if any of that was covered by the travel insurance and was told no. So I guess unless the rental car is stolen, burned up or otherwise destroyed and there is a police report in english I will not get reimbursed? Is this correct? I'm not sure then that the insurance is of any value to me in foreign country where I can't get a english police report or an english receipt? Is this correct? You ave asked so I have answered. Thanks, Jeff
Our Travel Insured policies require our travelers to submit a policy report to verify any losses and the receipts to confirm the expenses. We also accept documentation in any language as a way to submit claim documentation. We want to assure you that members of our claims department and their management team are always readily available to our customers, and they can be reached at 1-800-243-2440 to answer any questions or concerns you may have. We hope we can protect you in your future travels, thank you.
I needed to call provider to remind them that my travel documents had NOT arrived via US Post Office as my trip was within 6 weeks. Now be advised, I did receive an electronic copy of the travel policy soon after purchase. I never said I did NOT need a paper copy for travelling.
We were under the impression that trip delay coverage would help reimburse some of the expense of the two days of our tour that we missed due to weather issues and mechanical failure of the airlines. The agent I spoke with indicated that if the trip was aborted, the most we could claim would be $500, which was less than we paid for the insurance, much less the $10,000 we paid for the trip.
We had to cancel the trip due to emergency health reasons.
While recovering from a back operation, I was required to contact all the trip providers myself to cancel all arrangements and get all refunds I could and get statements from all doctors. I had to provide over 25 pages of receipts confirming original charges, requests for refunds, and refund amounts, credit card receipts, and a hard copy of an electronic ticket (? after sending the airline confirmation record). Many costs were not reimbursed. After all that I got a refund of only $728 based on a claim of $1700. The policy amount was $8000. This was only a little more than the cost of the policy of $595. Overall, not a good experience.
All went well on our trip, so we didn't have to use the insurance. However, I would purchase this insurance again for another trip, as I liked the fact it compared several travel insurances in the process. Additionally, I liked the ease of purchasing this online and being able to select my options. A good experience. Thank You!
I did deal with several reps because I added covererage after my initial application. Most reps were helpful. I did speak to one when I realized that I needed to adjust the amounts per person that was rather impatient and acted as if I were really annoying her. Most were fine.
I just had to call to ask about the process and was treated fine. I was told not to worry about the cost until we get home and just take care of what we need to do.
I can't rate this yet. We had a death and had to interrupt our trip. I am waiting to get the death certificate before I can file. I would like the opportunity to follow up on this part after the case is closed.
Did not have any need to contact customer service before trip
Did not need to contact the insurance carrier during the trip
Customer service answer telephonic question quickly. The processing of the claim took a long time. After submitting the claim, they asked for more original paperwork that I did not have since I was not able to go the hotel to check in and get an invoice. They reimbursed part of the foreign fee. Being it was a low dollar amount, I did not pursue.
The phone person was very friendly and professional with a great sense of humor, and answered all my questions.
I did not use it during my trip.
They lost my initial documents. Then told me I had to wait until it had been 10 days to re-submit. Then, they deducted "depreciation", which had not been mentioned on any of the previous 3-4 phone calls, and they did not honor the purchase price of the camera involved even though it is clearly stated on the receipt. So what started out as an extremely positive experience, now has a slightly bitter aftertaste and I'm not sure if I would recommend or use again. I can accept the depreciation (although in at least one of the phone calls it should have been mentioned)but not the other part. BTW, the amount involved is $20- not much, indeed, but on principle and with all the run-around, well lets just say they could've bought a whole lot of customer good will and satisfaction with that $20 and they chose not to. One has to wonder then, if they are going to give the run around over $20, what if your claim is much higher?
The Travel Insured International, Inc gave us a hard time, that impossible for me to get $ for my claims. My baggage was lost at Tansonnhat Airport ( Vietnam ) I reported to the claiming office (inside a immigration), I submit the claim's report for lost of baggage (from claim office in airport) to the Travel Insured International insurance, but they refused to pay with the reason that United did not confirm the lost.
My travel was interrupted by big storm in the time of landing, so they had to flight return back to Bangkok and wait for the next day to flight again, but T.I.T. insurance refuse to pay for trip interruption, even thought they received a letter from Turkish Airline confirm for the delay more than 1 day.
We have to write a complain letter to Business Bureau about the T.I.I because they did not pay out what in the contract with us.
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