jclinard

If you go the refundable ticket route, do not use Expedia. I booked fully refundable tickets, but they decided to actually sell me a fully refundable ticket from Panama City to San Francisco, and a non-refundable ticket from San Francisco to Las Vegas. They refused to refund it. I waited it out, and the flight times changed, and I refused to accept that, and requested a refund. Instead, they gave me credits on Copa Airlines. I had to open a case with the BBB for them to agree I was owed a cash refund. A few months later I filed a second case with the BBB, this time against Expedia for bad faith, as they ignored me and their first case with the BBB, hoping I'd go away and they could pocket the money. However, faced with having to explain to the BBB why they did not deliver on their promise for a refund, they finally relented. They did get to keep the interest on the money for several months.

I've read several policies, and my conclusion is the only way they'll pay is if I die. I also only accept recommendations from people who know what color the insurance company writes their checks on. Only a fool takes a recommendation based on how promptly the insurance company processes the payment.

People get on my case for telling people to only take insurance recommendations from people who know what color the checks are written on, rather than on how quickly they can deposit your premium. I've stopped getting insurance for flights or cruises. There is almost no way for me to collect, unless I die. If that is the case, I don't need the money, nor would my heirs know there is a policy.

You might want to look at their cases with the Better Business Bureau.

I recommend you only get recommendations from people who know what color they write their checks on.

Be sure to get recommendations only from people who know what color the insurance companies write their checks on. I doubt many people have issues getting the company to accept payment for the premiums.

Insurance companies are good at collecting premiums and denying claims. People give me grief for stating you should only get insurance recommendations from people who know what color the company writes their checks one. But I'll keep saying it.

People get mad at me for saying this, but my additional take-away is to only get insurance recommendations from people who know what color their checks are.

There is a reason why I only accept insurance recommendations from people who know what color the insurance company writes their checks on. After a denial of insurance on a flight (where the company forced me to cancel the flight before I submitted a claim, just so I no longer had the option of waiting for a change in the flight schedule and reject the change, thus getting a refund that way), I carefully read the policy and realized there is no way I could collect on it. My heirs might be able to if I died, but they wouldn't know to file a claim. I also requested copies of cruise insurance I had paid for, but the company ignored my first ten requests for a copy of the policy, and I decided if they didn't to after ten requests, they were unlikely to provide a copy on my 11th request. The insurance agents / advocates here don't like me bringing that up, but they have yet to explain why I should only listen to people who know the color of the checks.