Claim processing very slow, but eventually paid.
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.
We had a health emergency and had to go to the emergency room in China. Our tour guide was the best and did everything but the insurance company provided excellent backup and follow through. They contacted us many times until we determined that the issue was minor and we continued our trip.
Our emergency bill was only $30 so we did not file a claim and kept the hospital record as a souvenir.
I was pleased with the speed which the documentation was provided, some came via e-mail and other documents came quickly via US Postal Service.
We did not make it to the actual trip to Africa. My wife became very ill with a post surgical infection that was very tenacious and life threatening. Shortly before the trip the doctors concurred that she was still not healthy enough to travel. I called the insurance carrier, they were pleasant and explained the claims process.
The claim was for a large amount, it did require documentation from doctors and of our travel payments we had made. These were reasonable requests by the insurance company. They were always courteous, the claims response was reasonably prompt. I have taken out other insurance coverage for others trips with them since this claim. Very satisfied.
I now note with the information you provided herein, that the policy period began on 7/18 and ended at the end of 10/4. I requested the policy to begin on 9/20 when my trip began and at the close of 10/4. The date I contacted you to buy the insurance was 7/18. I have gone back to the policy and I now see that the date was 7/18. While I should have noted this when I reviewed the policy, the customer service rep should have asked me about this since I told her that the dates of the trip were 9/20 through 10/4. She basically made the policy effective for the date I called to inquire about obtaining the insurance. This does not make me a satisfied customer.
My husband was hospitalized the entire trip and the medical dept. kept calling us, sometimes even twice a day to see what help we needed in getting my husband back home. They even contacted the hospital and rehab. facility a couple times. They seemed too helpful, which we're not used to such service. It was amazing!
I'm just filling out all the paperwork now so I'm hopeful things will go smoothly.
I contacted the Insurance Provider the day before my scheduled departure as there was an impending hurricane predicted to hit at or near my destination and evacuation of the island I was heading to was in process. The customer service representative was less than helpful. After explaining my situation, I was put on hold for an extended period of time while she "spoke with her manager." When she came back on the phone she said that they would not cover any of my trip and claimed that the hurricane was already named when I bought the policy. This was, in fact, not true. Hurricane Isaac had NOT yet been named and I had numerous supporting documents to argue this. Nonetheless, the CS representative said that Isaac had been "referenced" and therefore made my policy did not qualify for hurricane coverage. She encouraged me to cancel my policy for a refund. Unfortunately out of frustration, I did this. Later, in speaking with a family member who works in the insurance regulation industry I came to find that I could have easily fought this claim if I had not canceled the policy. Nonetheless, he is following up with the appropriate agencies for me to file a formal complaint. I've accepted that I lost all my money for this particular trip and take full accountability for canceling the policy without a prolonged fight but I fully support my family members choice to file an official complaint with the regulation agencies so that this does not happen to another traveler.
We cancelled our trip prior to scheduled departure
Unfortunately we had to cancel our trip at the very last minute because of an injury. The claim was efficiently handled by the insurance company after we provided the requested documentation and we received payment within thirty days of the claim.
Carrier refused claim of $80 of $200 policy. Proof of baggage delay (14 days) was provided but no receipts available because we were in small town in Egypt and purchased inexpensive items on street and market - rather than spending $200.
I faxed you a copy of my mothers death certificate. and you have not sent me my check for both of us. We drove up separately and could not use the tickets , I've followed all your directions . WHAT'S UP!!! 843-300-9759
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