RICHMOND, VIRGINIA -- DO NOT BUY TRAVEL INSURANCE THROUGH ACCESS AMERICA. It have been always suggested that I purchase travel insurance and I have used Travel Insurance for the last twenty years. I have not ever exercised or used the insurance purchased and all my trips went well. My Money was gladly taken.
Recently I purchased a Plan from Access America Travel for a Vacation trip I planned. Well This Time I became very Sick and had to cancel Vacation. I saw a doctor immediately and was urged not to travel. So - I called Access America Travel and planned to utilize my purchased Insurance. It has been ALMOST 4 MONTHS and I have not been paid as of yet. I get letters spaced out a month apart asking me for various Documents. I also get repeated calls requesting the same and have always followed up with specialist asking if there is anything else I can supply. "NO. ALL LOOKS GREAT!!!" the Specialist replies.
I always have the documents and Fax them immediately. Documents are lost or not received by Access America Travel. (So I am told.) Then after I send again and confirm that they have received document they requested. I am then told it may be two weeks before my claim document can be reviewed. Each time the Specialist tells me all is in order and they don't require any more.
Well today another letter (is it a check? – not a request for more information). I am now asked for proof of Deposit on my bank statement in U.S. dollars. They also Indicated that the notice is the second request. (NOT) First one for me. This is the First time they asked for the Deposit, last time that set me back a month they wanted to know how much U. S dollars was refunded when I cancelled the trip. In which I provided a bank Statement. Again I asked the operator "Can I provide anything else?" "NO ALL LOOKS IN ORDER!!!" the Specialist replies.
Two months ago when they asked me to provide a physician's statement in which I had already faxed the specialist slipped at the end of our phone conversation (I asked "Is there anything else?") and she said "Oh yes we would like a bank statement of refund." That probably saved me a month.
THIS IS A BUNCH OF CRAP – I'M NOT STUPID AND I CAN SEE THEIR GAME. I look at the years of travel and purchases and figure I have paid as much as $5000.00. Now I want $1000.00 back. That I am within all LAW guidelines set by Access America Travel. (BUT AM LIVING IN HELL.) Is travel Insurance such a good Idea? NOT WITH ACCESS AMERICA TRAVEL .
Don't use this company – I will spend the rest of my life and every spare moment now to ruin this company. I am blogging/chatting/posting – this company as crooks. Before I buy/sell/do anything now days I Google the name first. Wish I did before I trusted this company.
RICHMOND, VIRGINIA -- My husband and I went on a cruise in October. On the very last night I became ill. Nothing the cruise line did. I have Crohn's Disease and had a flare up due to seasickness. We returned on 10/31/09 (a Saturday) and I submitted my paperwork to my Health Insurance and to Access America. My Health Insurance had to pay first before Access America would cover what the Health Insurance didn't (completely normal).
My Health Insurance finally got around to paying most of the claim last week and I received the check on Thursday 12/10/09. I faxed in a copy of the check and the benefits form in on 12/14/09. They called today to update me and told me a check was sent out on 12/15/09. I received the check *today*. They were fast (faster than my own Health Insurance) and very nice. They are a bit more pricey than others, but they do great work and have a wonderful track record. I would recommend Access America Travel Insurance to anyone who is traveling on an expensive trip.
RICHMOND, VIRGINIA -- Based on a recommendation on Delta Airlines' website I purchased travel insurance from Access America. Subsequent to purchasing the ticket my wife received a diagnosis of cancer from the findings of a routine medical examination. We had no reason to expect this diagnosis, otherwise I would not have spent $461.80 for the ticket and $26.55 for the travel insurance. Today I received a denial of claim for refund of the ticket purchase from Access America, citing my wife's cancer as a preexisting condition. As far as I'm concerned, Access America is a bunch of crooks and Delta Airlines is nothing more than a shill for their con.
RICHMOND, VIRGINIA -- What they're going to do is send some limited information by mail, but leave out the exclusions list, which they'll send by email... relying on SPAM FILTERING to hide their long list of exclusions from the customers. Then when you file a claim they'll state "within 7-10 business days of receipt, we will contact you if further information is needed" but they won't. They'll make you contact them and then give only part of the information you need, thereby creating more delays and frustration, and hope the frustrated customers simply give up.
If you do follow through, they'll eventually send some more information by email asking for further information from you which reveals the hidden PDF file with all the exclusions. They will find a way to avoid payment, create delays, and rely on SPAM FILTERING to assist them in their unethical endeavors to rip off customers.
RICHMOND, VIRGINIA -- I purchased travel interruption insurance from Access America because my husband is chronically ill and I knew there was a chance he would not be able to travel. Unfortunately, that is exactly what happened and when I tried to get my money refunded, it became apparent this company is deceptive, fraudulent and nothing more than a bunch of scammers. They never told me they would not cover a pre-existing medical condition. In fact, their website leads you to believe that is what their product is for.
When I filed the claim, they still never told me it was going to be denied. Instead, I had to fill out numerous pages, have the doctor fill out 2 pages and then send it in. I checked numerous times on the status and all I could get was "it's pending" or "it's in review." They finally sent me a letter saying they want another physician statement from a different doctor! It was just another stall tactic because they clearly had no intention of paying and they have carefully trained their staff to avoid giving out the information consumers need. They told me that since he had been to the doctor less than 120 days prior to travel, they won't cover the condition.
I tried explaining that chronically ill people generally go to the doctor at least every 30 days. And... since when aren't chronically ill people supposed to travel?? Who needs a break more than them?? Clearly they are discriminating against sick people... or are using that as another excuse not to pay. Do not buy Access America Travel Insurance - it's a waste of your money!
RICHMOND, VIRGINIA -- I purchased a travel insurance policy after purchasing an airline ticket to visit my family out of state. Twelve days after the purchase my granddaughter was scheduled for surgery on the day I was scheduled to return home. My family needed my support and presence and I thought it would be covered by the insurance. I changed my flight and stayed for the surgery. The doctor filled in all (and I repeat all) of the required paperwork for the claim and I submitted it to the insurance company requesting the $150.00 change fee.
It was denied on the basis that it was a pre-existing condition. How can unanticipated surgery be a pre existing condition. We had no idea that this would happen, I was going out for a graduation for another granddaughter. What is the purpose of travel insurance that excludes everything. Is it just another way to get money from unwary consumers? They did not even offer to return the premium. Has anyone else had problems with them?
BIG SCAM COMPANY. I bought the insurance while printing my e-ticket, I got sick on the checking line and couldn't take my plane. I file a claim and they refused to pay because the food poison that I got was consider "pre-existence" - how in the world something you eat early can be consider "pre existence." I appealed but it was a waste of time.
The email answered for my appeal was cold, rude and hopeless... They just want your money, they told me in a few words "appeal all you want, complain to any agency you want... we will not reverse our decision." So what a way to lose $285.00. I learned my lesson. Next time I will research and read review, before I buy anything at all. DO NOT BUY FROM THEM.
RICHMOND, VIRGINIA -- Well my story is simple. I live in China and bought my tickets early to get a good deal. I have had problems before so this time I got trip insurance. What a waste of money. I was told my legal reason was not a legitimate claim. My wife denied her Visa to America. Sorry but how in the hell is that not a valid legal reason. She can't even board the air craft. They told me it was not a good enough reason. What a rip off. Avoid this place like the plague.
Here is a list of things on their general exclusions list. The following events: any problem or event that could have reasonably been foreseen or expected when you purchased your plan, an epidemic or pandemic, natural disasters like hurricanes, earthquakes, fires and floods, air, water or other pollution, or the threat of a pollutant release, nuclear reaction, radiation or radioactive contamination, war (declared or undeclared), acts of war, military duty, civil disorder or unrest, terrorist events, financial default, unlawful acts. So if where you're going to has just been blown up with dirty bomb you're just SOL.
DAYTON, OHIO -- Access America Travel Insurance Company practices are discriminatory and improper. I bought travel insurance, Policy Number **, to cover the cost of my flights between Dayton, Ohio and California. The insurance covered valid reasons for coverage, such as illness. I became very ill with Depression and its causation of physical illnesses, four days before the trip. My claim number is **.
After waiting 3 months I received both an email and a letter dated February 12th. I was denied coverage because Access America Travel Insurance Company stated they... do not cover mental illnesses as well as physical illnesses resulting from a mental illness. I have filed a complaint with the Ohio Department of Insurance for this improper and I believe illegal discrimination by Access America.
I paid over $300 for trip insurance from Access America for my husband, myself, and our 4 year old for a trip in June 2004 to Aruba we had planned. I subsequently got pregnant in a high risk pregnancy and was advised by my doctor not to fly. This was provided to Access America in writing.
They are still, after several weeks so far, "reviewing my personal claim only" with their Management team but out and out denied my husband and son and basically said there is no reason why my son and husband can't go on the trip alone to a foreign country with a wife 8-9 months pregnant at home on what will probably be bed rest at that point. Access America and these types of unethical practices is exactly what has put our country in the difficult times we are in.