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 flair 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 where fast (faster than my own Health Insurance) and very nice.
They are a bit more pricey than others, but the 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 -- What they're going to do is send some limited information by mail, but leave out he 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.2 Replies - Latest reply on 12/28/2010Add reply
Don't buy Access America Insurance
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 ... read full review1 Replies - Latest reply on 09/13/2010
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.
1 Replies - Latest reply on 06/25/2010Add reply
It was denied on the basis that it was a pre-existing condition. How can unanticpated 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?
What ever the claim you try to make from Access America, they have ways not to pay you by asking you to provide evidence that you may not be able to do. they flourish in their business at the cost of honest traveller believing in our Insurance Industry.
I would never trust any Travel Insurance - specifically Access America. if they have any negative report on the web
Don't buy travel insurance from access america/jefferson insurance when you buy travel tickets. they don't reimburse for your loss or delay. complaints to gov agencies are a waste of time. the only remedy is not buying it. 2 Replies - Latest reply on 09/01/2009Add reply
You will never see your money again
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 ... read full review6 Replies - Latest reply on 08/10/2009
DAYTON, OHIO -- Access America Travel Insurance Company practices are discriminatory and improper.
I bought travel insurance, Policy Number I-25126832, 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 0000766968.
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.
Bait and Switch
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 ... read full review7 Replies - Latest reply on 02/07/2009
WASHINGTON -- I purchased an airline ticket with US Airways in late November for the Christmas holidays. I also purchased the so-called "ticket protection" with Access America. Unfortunately, the day before my trip, I grew very ill and was unable to travel. Moreover, I later contacted ACCESS AMERICA and subsequently file a claim for my ticket refund. Four weeks later, I received a notice that stated that a doctor had to examine me, and had to advise me to cancel my trip. I am out $400.
2 Replies - Latest reply on 01/16/2009Add reply
I am so tempted to contact our local Consumer Fraud Bureau and report ACCESS AMERICA. What nonsense.
HOUSTON, TEXAS -- I purchased the Access America travel insurance through Northwest Airlines for a trip to Poland. When my host in Poland, who was to provide lodging, transportation, and interpretation services, became seriously ill I had to postpone my trip. I filed my claim and it was denied for lack of documentation. When I forwarded the forms they requested, signed by the two physicians in Poland, my claim was again denied. The reason given was my claim did not fall in their "stated perils" provisions.
I quoted the exact provisions of their policy which stated that my claim was a "listed peril." The policy states, "Family or friends can’t accommodate you as planned: Family or friends outside the United States can't accommodate you as planned because someone in the household has died or been diagnosed with a serious with a serious illness."
My host in Poland was diagnosed with complications from viral meningitis and was restricted from any activity for two months. Access America is refusing to pay in spite of the plain language of their own policy. I am pursuing legal means against the company.
I'd purchased insurance through Orbitz for a rental car with Dollar Rent A Car. Dollar also charged me for insurance and refused to refund the charges even though I'd had a policy in place which I showed them when picking up the car. The insurance I had in place was with Access America (through Orbitz). Both Orbitz and Access America were very helpful and responded quickly and Access agreed to refund the money I'd paid for the double coverage.
Thanks Access America!