Travel Insured International-Experiences

Considering purchasing policy from 'Travel Insured International' with the Cancel For Any Reason rider.

Would like to hear about anyones experience with this company's policy.

No experience, but note that this insurance must be purchased within 21 days of the initial trip deposit for WTP plans, and within 30 days of the initial trip deposit for Gold plans, to be able to buy "Cancel for Any Reason".

I have used TII for most our cruises. I had to file a claim once and received full reimbursement a couple of weeks after submitting the papers, with no hassle. Hope this helps.

Avoid at all costs Travel Insured, International. The ONLY reason we can think of where they "might" be forced to honor a claim would be for health reasons. However, in trying to work with their agents, we fear that every health claim with this company would be challenged as "pre-existing" in some way, so we wouldn't trust them for any other travel. In their own literature, they state that if "the trip is interrupted for more than 72 hours" then they will reimburse. Our 7-day "cruise" was permanently docked (interrupted to the max!) after only 1 and 1/2 day of cruising. From then on, it was NOT a cruise, but a bus tour (not to mention the huge change in itinerary). However, they use the fact that a tour can "change it's itinerary" at any time. A change in itinerary is one thing -- not having a cruise is a different thing. If this doesn't qualify as a trip interruption of over 72 hours, then we can't imagine what set of circumstances would qualify. Would love to hear some examples. We have heard that Travel Guard is a good travel insurance company and that they pay for such events. Would definitely recommend them, as friends who had a much less interruption received payment for their claim from Travel Guard. If you want to invest in a stock to make money, maybe Travel Insured, International would be a good investment, as they took $700 from us and refused to comply with their own literature regarding reimbursement.

Anyone have an experience with TravelSafe insurance?

JKrise

Sent from my iPhone.

Travel Insured is who USAA sends its members to.

In spite of the experience of the individual who is upset because their ship was docked due to floods and they were bussed around, I can't imagine that USAA would refer members to a shady company.

My husband lost his vision in his right eye two days before we were to sail on back to back cruises. We IMMEDIATELY submitted all the paperwork with TII, and now, three weeks later, not a penny has been refunded. It's been one excuse after the other, usually "the doctor's office didn't send the paperwork" yet the doctor's office states they submitted the paperwork TWICE! This experience has been absolute hell. Trying to deal with emergency eye surgery for my husband, plus the stress of TII is something we hope nobody ever has to go through.

Has anybody ever had a DECENT insurance company they have actually submitted a claim through and gotten reimbursed?

My husband lost his vision in his right eye two days before we were to sail on back to back cruises. We IMMEDIATELY submitted all the paperwork with TII, and now, three weeks later, not a penny has been refunded. It's been one excuse after the other, usually "the doctor's office didn't send the paperwork" yet the doctor's office states they submitted the paperwork TWICE! This experience has been absolute hell. Trying to deal with emergency eye surgery for my husband, plus the stress of TII is something we hope nobody ever has to go through.

 

Has anybody ever had a DECENT insurance company they have actually submitted a claim through and gotten reimbursed?

We had an "eye" emergency less than 2 weeks before departure, but Travel Insured was FANTASTIC in terms of refunding every cent, and promptly.

Obviously, they need to have all the forms submitted so they can verify the claim is valid (or they'd be out of business really fast).

WE always submit all paperwork for these types of claims, so we aren't wondering "did they or didn't they" or playing "who lost the paperwork", etc.

We picked up the completed form from the physician during one of the many visits for treatments, monitoring, etc. (that was the *only* "traveling" we did for a couple of months, plus to hospital, alas).

We scanned the docs, and emailed them to Travel Insured.

Ditto our own claim forms, including proof of initial payment of everything.

So easy.

It turned out that the physician forgot to write anything in the little (very little) box for "diagnosis", and that wasn't noticed immediately - and not by us, either.

So he faxed a new copy to us, which we scanned and emailed to TI.

About 2 days later, they called to tell us a check was being sent.

And less than a week later, a check for the full amount arrived.

There was one major delay: OURS.

We were much too busy/distracted by the medical needs, so all we did at first was to cancel everything.

We had contacted TI and our travel insurance broker, Steve at TripInsuranceStore, who helped explain the initial steps.

A bit later, when the immediate emergenciy was over, we went through the supporting docs needed, and submitted those.

It was at that point that it was noticed that the physician hadn't included the diagnosis, so that took a day or two for him to get that back to us.

And we had another claim, one that TI also paid extremely promptly, and also without any nonsense.

In that case, we needed an additional letter from overseas, and there was a language problem with the initial physician. Steve helped us with precisely what the letter needed to include.

(We just sent a copy of the stack of the hospital records to TI without having them translated, although we could recognize many of the diagnostic terms and also lab test names and values.)

The fact that we always get the waiver of exclusion for pre-existing conditions might help expedite the claim payment.

After all, the insurer wouldn't need to sort through who-knows-how-many prior medical records to determine *if* there was a pre-existing condition that was related to the claim.

We have another claim pending for a much smaller amount, and not related to any medical problem.

TI asked us to get a letter from the airline that the flight was indeed outright cancelled, and we got that faster than we expected from the airline.

We couldn't possibly be more satisfied with Travel Insured, although it would be awfully nice if we did not need to file any more claims...

Oh, we always get the name of a specific person, so we aren't just dealing with "claims".

We have another claim pending for a much smaller amount, and not related to any medical problem.

 

TI asked us to get a letter from the airline that the flight was indeed outright cancelled, and we got that faster than we expected from the airline.

 

Had a similar claim on flight cancellation due to airport closure from Snowstorm Jonas last Jan. 2016. Had no insurance broker yet at that time.

On day of cancellation, called TI and was advised to rebook flight, stay in hotel and avail of necessary food and transportation within the limits of my plan, and keep all documentations. Stranded for 2 days.

Upon returning, requested from airline for email confirmation of flight cancellation, and attached it to emailed TI's Claim Form, together with scanned hotel and food receipts.

14 working days (not calendar days), I got the check in the mail.

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