Travel Insured Travel Insurance Reviews

Before Trip
Did not have any need to contact customer service before trip

During Trip
Did not need to contact the insurance carrier during the trip

Claim Process
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.

Before Trip
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.

During Trip
not applicable

Before Trip
Every thing about purchasing the travel insurance was routine. We purchased the insurance within a day or so of purchasing our tickets, and were assured if we did that any pre-existing conditions that might occur between the time we purchased the insurance and we left on the trip would be covered. We purchased the tickets and insurance in mid-summer 2011 and planned to leave for Ethiopia on Jan. 7, 2012. We felt confident that we were dealing with a reputable insurance carrier.

During Trip
Although I had fallen on Christmas eve, a quick trip to emergency room and a CAT scan and x-rays revealed no broken bones, only deep bruises. I asked doctor about making the trip to Ethiopia in 13 days. He said I'd be 85-90% healed and should be able to make trip with no problems. I made the trip but my leg did not get better. With walking on it through very difficult areas, the leg hurt more and got worse to the point that I was having to use a wheelchair whenever one was available. About a week and half into trip, my friend and I made the difficult decision to return to the U.S. We called the emergency hotline, were assured that we did have medical evacuation insurance that would cover the pre-existing conditions. We needed a doctor's exam to state that I was physically able to travel. We found a doctor to come to the hotel and fill out the seven pages of forms that we had faxed from the travel assistance emergency number, and he agreed that my overall health was very good and that I could travel. A series of phone calls to the travel assistance number and insurance carrier back and forth over a period of two days resulted in more than $400 in charges to our cell phones because the carrier/emergency travel assistance staff would not call us on the hotel room phone as we requested but kept calling our cell phone numbers. After we messaged the medical documentation to the company, we waited for their assistance. What we got was this: we're sorry but our doctor has reviewed the forms and said because your fall occured before you left, you are not eligible for any assistance from us. We had wasted three/four days, received nothing but a run-around and NO ASSISTANCE of any kind. With the kind assistance of the Ethiopian hotel staff, Ethiopian Airlines, and an Ethiopian tour company, we were able to fly from Ghondar to Addis Abbaba,then work our way back to the United States. We did this all on our own. It took four days (Monday until late Thursday night) until we arrived home. We were told that we could file a claim but it was doubtful whether it would pay. I will file the claim, along with receipts and documentation. I will be surprised if I receive a penny. Information we received when we were considering purchasing this insurance was misleading and deceitful. The assistance we received was none, and in fact cost us several hundred dollars for their calls to us.

Claim Process
I have not yet filed the claim but will do so later this week. I am recovering from a complete hip replacement sustained during the fall which was undiagnosed.

Before Trip
I did it all on line - it was quick and user-friendly.

During Trip
I did not use emergency help.

During Trip
Did not need to use it

Claim Process
Did not file a claim.

During Trip
Not applicable

Claim Process
N/a
Whole questionnaire should be redesigned for the majority who have no interaction with the underwriter after the policy is purchased.

Before Trip
Fast, easy, and convienent

During Trip
We did not use this above services so could not give you a rating

Claim Process
We had no claims

During Trip
no contact during my trip

Claim Process
have not made the claim yet. Waiting for my medical insurance to review the claim before I file a claim with you

During Trip
I needed no service

Claim Process
I made no claim