Travel Insured Travel Insurance Reviews

Following is a copy of an email I sent to Travel Insured International with a copy to the CT Insurance Department. The processing of my claim was absolutely abysmal. You should not allow them to sell insurance on your website.

From: Peter J Del Mastro
Subject: Claim #1 - Policy 180802RTL0398/CT Insurance Dept File #900039
Date: April 19, 2019 at 1:41:48 PM EDT
To: Sarah Raymer
Cc: Ronald Main , "Lusitani, Melissa"

Dear Ms Raymer,

I am in receipt of your April 17, 2019 letter (attached) regarding my claim.

Your letter states, in part, that reimbursement for the cost of a second insurance policy, which was an additional expense I incurred due to the delay/interruption of our trip, is not a covered item.

I have reviewed my policy's benefit coverages for both trip delay and trip interruption and find that your statement is accurate. I rescind my request to initiate a formal grievance.

It is unfortunate that much time and energy was spent on this matter by me and employees of the Connecticut Insurance Department because it was all so unnecessary. If Travel Insured had simply sent me correspondence, in a timely manner, with the explanation contained in your April 17th letter, the matter would have been closed long ago without need for the Insurance Department’s involvement.

Instead, I received nothing but the sound of silence from the time I submitted my claim, on December 17, 2018, for reimbursement of the insurance premium, until March 2019 when you responded to an inquiry from the Insurance Department, sent on my behalf. To make matters worse, your response contained erroneous information which had to be addressed through additional research and correspondence.

Once I received a copy of your letter from the Insurance Department, I sent a letter to you pointing out the erroneous information it contained and advising that I wanted to begin the formal grievance procedure. After receiving a phone call from Mark Donzel (not sure of the last name), a Travel Insured employee, I received your April 17th letter.

Bottom line, it took 4 full months before I received a reply to my claim and it wasn’t even sent directly to me. I had to get it from a third party, the Insurance Department. I might also add, that during the 4 month period, I sent 3 emails to Travel Insured’s claims department requesting status information on my claim; these, too, were all ignored.

I also want to mention that I was subjected to poor treatment when my initial claim was submitted on October 3, 2018. That claim was partially paid on December 13, 2018; why it took so long to partially pay a well documented claim consisting of 2 items to be reimbursed remains a mystery. In addition, the balance of my claim was not paid until January 28, 2019 and only after the intervention of the Insurance Department.

My whole experience with your company leads me to believe either its employees are exceedingly incompetent or company practices include the use of various tactics to minimize or totally avoid making claim payments.

Either way, an investigation into how Travel Insured International does business may be warranted.

Peter J. Del Mastro

CLAIMS HAVE BEEN SUBMITTEDS TO OUR BCBSAZ ADV POLICIE'S WHICH WE HAVE BEEN ADVISED WILL NO DOUBT NOT BE COVERED IN ISRAEL & WILL BE ESTIMATED TO BE 30 TO 60 DAYS BEFORE A RESPONSE IS PROVIDED. THEN WE WILL APPLY TO TRAVEL POLICY 180915RTL0323 FOR MEDICAL EXPENSES. Judy's 10-16-18 & 10-23-18 expense dates, and Gil's 10-19-18 date. We expect total expenses to be less than $1,000.00.

OUR SQUAREMOUTH COVERAGE SUMMARY LISTS: TRAVEL INSURED INTERNATIONAL Underwriten by UNITED STATES FIRE INS. CO. Effect. 09/16/20/18 thru 09/27/2018. My daughter-in-law nurse, (Debbie Jensen)'s medical attention keep me from hospitalization and was a GOD SEND. Respectively, Gil Jensen

Excellent no hassles exactly why i purchase insurance

Review Updated: 11/21/2018

I heard nothing from Travel Insurance on my claim until I responded to your request for feedback. After that, the insurance company responded immediately to me. I believe that is because of your no-complaint policy. It's too bad someone has to complain before the insurance company handles the claim and reaches out to the insured. Had the company responded as they should have, I would have given the "satisfaction of the claim" a yes.