Trawick International

During Trip
We received the policy before our trip with all exclusions. Appendicitis was not among them. In the middle of the trip I suffered an acute appendix and ended up in the hospital for nearly 3 weeks. I was in constant contact with the company, as was the hospital, and nothing seemed amiss. Two days before I was discharged, I was told by Trawick that I was no longer covered by the policy (the agent had confused period of coverage with period of benefits), and I was send a NEW and DIFFERENT policy which listed appendicitis among the exclusions. I consider this completely fraudulent and unacceptable, and the hospital as well as I, will be taking legal action if my claim is not paid. When my wife called Squaremouth for clarification, they were complete unhelpful, and an irate letter from her to Trawick and Squaremouth has, as yet, gone unanswered.

Made a claim four months ago for a small amount. They just contacted me for the first time and all the information they used was incorrect, the claim was for the wrong amount, and they said they needed proof that it wasn't a pre-existing condition (it was pink eye!). This will clearly be a lot of time and effort on my part to get it straightened out, and I am doubtful I will see any money. We used a different carrier for our last trip and also made a similar claim and they were great--nothing like this.

Claim Process
I filed my claim promptly. I mailed it the address they provided. I mailed it registered mail. They received and signed for it on 10/22. I made repeated calls when I had not heard anything. I was told they didn't receive, they lost it, it was sent to the wrong address. I was promised a return call from a supervisor - when I finally called back the next day he had left on vacation for a week. To date I do not have an answer about my claim. I was last told 2 weeks ago that they were waiting to hear from the hospital about some records.

During Trip
We ended up in a remote hospital whose staff only spoke French. The admissions person couldn't get in touch with anyone from our traveler's insurance, they nearly turned us away from receiving treatment for our young daughter. They took pity on us (we didn't have access to the $4000 they wanted for treatment) and agreed to bill us and try to work with the insurance during the week. After the translation, I realized they asked my husband what "banana republic" we purchased the insurance from. Ugh.

Claim Process
See above. We *still* haven't gotten word from the carrier.

I mailed the claim over a month to the insurance company and have heard nothing from them. I am upset that they are ignoring my claim and have not contacted me at all.