WorldTrips Travel Insurance Reviews

We purchased the policy in last Sept. There was an accident occurred shortly after so we called HCC for pre-approval. The staff on-call adviced us to go to a nearby in-network provider, and informed us policy should cover. However, the staff failed to reveal important details: accident occurred too soon may be declined, otherwise we as a customer would try avoid X-ray-s if possible.

Today after trip ended, we called the HCC and they told us they decline this because accident happened too soon since purchase the policy. The customer support (Jeff) just simply stressed the point that "accident happened too soon," without showing any sympathy that we could have avoided this if HCC informed us up-front at our pre-approval stage.

This is not responsible for customer if pre-approval department and claim handling department do not talk to each other: one keeps making promises, the other rejects afterwards.

And I searched this HCC through Squaremouth. I think I did another provider last year through Squaremouth and experience was good. It is unfortunate that Squaremouth disappoint us this time.

Mexican hospital would not accept direct-bill and had never heard of HCC, despite being listed as a direct-bill hospital. HCC has not paid claim almost 3 months after the date of service, when all docs were submitted within a week of service. HCC has indicated that they will not pay emergency claim. I would not recommend this company.

So far a good experience. However, the reviews I read for HCC are discouraging. I have only seen negative reviews for their claims processing.

There were technical glitches. Although I paid using my Amex, because of the glitches the transaction apparently did not go through. I had to call twice about this before leaving for my trip to S. Africa. Then I had to leave for my trip. Then I called back again from overseas, they told me that my transaction did not go through. Then I purchased the insurance for the remainder of my travel. I had to spend a lot of time on the phone with your representatives. They were very helpful and courteous but I had to spend extra time on the phone, which I was not happy about.

I'd still recommend Squaremouth based on my prior experience.

It took a while for the claim to be processed (about 2 months), but to their credit they did mention a 60-day processing time upfront. I would buy this insurance again/recommend it.

Inadequate agreements for pre-paid claims in China. Purchased insurance thinking that there were agreements in place rather than the medical department trying to negotiate with the medical facility to accept payment. Otherwise insurance company tried to be responsive. It was a bit confusing trying to get to the medical department as the various people trying to help did not have the information at hand.

Did not file a claim and never contacted the insurance company.

I did not file a claim so I can not rate HCC service in regards to that. However, signing up for the insurance, receiving confirmation and all necessary information regards insurance gave them a 5 star rating. I would use them again on my next trip.

I was i nthe emergency room with perfroated diverticulitis. there was a little communication probelm due French / english. But they got it done, as far as i know.
Thanks

Medical assistant agent wasn't entirely clear on what dental procedures would be covered.