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I didn't buy complete coverage up front, since I wasn't paying for the full trip up front. When I went back to increase the coverage when I paid the rest of the trip cost, the total price seemed to have gone up from the original quotes .
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Purchased insurance from Trip Assure / MH Ross in advance of our trip to Thailand. On our last day, we left a bag containing some clothing, a rather pricey sonicare toothbrush, and a camera lens on our boat. We only realized we had left it when we returned home. We contacted the sailing base and they were unable to find our items so we submitted a claim with Trip Assure.
After our initial submission of a claim in April, it took two months for Trip Assure / MH Ross to get back to us. After requesting even more information twice, we were left to wait for two more months. Finally in AUGUST, we were mailed a claim denial because we never submitted a police report. This is the last time we'll be purchasing insurance from Trip Assure / MH Ross and would advise anyone who actually needs insurance to avoid them as well.
A copy/paste from the claims portal of our lovely four months in the claims process.
2018/08/12 CLAIM DENIED
2018/06/22 RECEIVED MISCELLANEOUS INFORMATION
2018/06/22 ACKNOWLEDGEMENT LETTER SENT
2018/06/15 RECEIVED MISCELLANEOUS INFORMATION
2018/06/15 ACKNOWLEDGEMENT LETTER SENT
2018/06/08 MISCELLANEOUS RESPONSE TO CLAIMANT
2018/04/17 CLAIM FORM PRINTED ONLINE (BLANK)
2018/04/17 CLAIM FORM PRINTED ONLINE (BLANK)
2018/04/17 CLAIM REPORTED ONLINE
2018/04/17 RECEIVED COMPLETED CLAIM FORM
2018/04/17 ACKNOWLEDGEMENT LETTER SENT
Filed a claim with the insurance company on October 1st and they only paid approximately half of the claim due. It is difficult to reach them by phone and when I do speak to them they have little information and tell me to wait longer. Maybe I'll switch back to TravelGuard.
Review Updated: 12/17/2018
After 75 days my claim has only been half paid and they told me the other half is still being processed.
Please accept our apologies, as it appears we set your claims up for payment, but did not completely finalize the payment process for your 2 children. This is being expedited and the eChecks will be sent with our next check run.
I tried on several occasions to contact a representative for assistance. The wait times were awful (almost an hour). When I did reach a live person, I would be shuffled around to other representatives, who in turn would put me on hold and shuffle me again. My phone always died before I reached a final destination. One of the worst experiences ever.
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Process was easy and painless. We had to make a change to our itinerary pre-departure and that was handled quickly and efficiently. As we have no claims to file, I can’t comment on that process.
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