I filed a claim in June. They said they did not receive certified letter that I sent..I showed proof of receipt took them another week to "find" my claim. They asked for more MD reports which were sent a month ago. They keep stalling...saying they need more..I have sent all of the papers ....my MD report, daughters spinal X-rays with dates of surgery..they keep saying they can't fine report ...
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
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