Access America

Reviewers
Male / Female		 Recommend
Yes / No		 Number of Reviews Coverage Claims Customer Service Cost Total Average Rating
11 / 6 1 / 16 17 1.77 1.59 1.93 2.99 2.07

Date Submitted: July 2, 2009
Travel Insurer: Access America
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 1 out of 10
Recommend: No
Review: Refuses to pay legitimate claim!
I recently planned a trip to NYC to visit my Dad who was in a nursing home. Concerned that I might have to extend my stay, I took out a policy. As it turned out, my father became suddenly ill (vomiting blood, etc.) and was hospitalized. I decided to move up my travel date. I checked with AA first to be sure I was covered...they said yes. Contennintal charged me an additional $770 to rebook. When I filed my claim, AA denied it saying my father's illness was a"prexisting condition". My father's only preexisting condition was old age.This was an acute condition and therefore a legitimate claim and they knew it!. I will never use AA again and would advise others to avoid them as well.
Comments [ 0 ]
Submitted by: Tony
63 year-old   ::   Male Reviewer   ::   Washington State

Date Submitted: June 26, 2009
Travel Insurer: Access America
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 1 out of 10
Recommend: No
Review: Rip Off Company! Should have read reviews first!
Cold & insensitive company. Does not listen to reason or "extenuating" circumstances. Only want your money (and they keep it!!!) Husband had severe lower back pain & thought to be another kidney stone. Were watching closely. Pain worsened & consulted Dr. who ordered testing which could only occur AFTER our departure date. Had to make snap decision to cancel trip to have the tests. Access American deemed this as a "pre-existing condition" since pain went back two weeks (their limit). What's trip "insurance" for anyway?? If you could see an illness, death, or job loss, etc., coming your way, you wouldn't be planning a trip, would you? Never again!!
Comments [ 0 ]
Submitted by: Marty
50 year-old   ::   Female Reviewer   ::   Tennessee

Date Submitted: June 25, 2009
Travel Insurer: Access America
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 5 out of 10
Recommend: No
Review: Tarveler be Warned: Access America a Rip Off
I can't beleive this fraud of a company has gotten away with ripping off people for as long as they have. I was offered this as a service via delta.com (I'm surprised a company like DL offers 'em)
Since return date might become iffy and subject to change hence why I purchased this. When I did have to change the return, DL charged me the 150.00 as I expected. I filed a claim with Access America who said OK, we'll contact you if we need further info. They never did, then denied my claim because I did not provide further info.
If you google their name you'll see what frauds they are by all the postings
out there from people with bad experiences with this company.
Comments [ 0 ]
Submitted by: Roy Manry
51 year-old   ::   Male Reviewer   ::   Albany, GA

Date Submitted: June 7, 2009
Travel Insurer: Access America
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 2 out of 10
Recommend: No
Review: Made the Worst Experience of my Life Even Worse
My horror story took place in May 2006 but everyone needs to be warned.
My 80-year-old mother became ill while we were on an Amazon River cruise and had to be hospitalized in Manaus, Brazil. Although the medical staff were wonderful and caring, the intensive care unit in the middle of a yellow fever area had no a/c or even windows or even screen on the windows. After days and days of pleading, Access offered "economy" class" tickets to the US when my mother recovered as she was receiving totally acceptable care.
Access finally offered to arrange a medical air evacuation if I gave them, from Brazil, a $50,000 credit card deposit - who has that? They eventually agreed to bend their rules and take cash (Thank God for living in a small town with a home-town bank who trusted me for the paperwork on the loan!!!).
After fighting them for 10 days I got my mother air lifted to the US but by that time she had slipped into a coma and had been placed on life support and dialysis. She bravely fought her way off the machines for 17 days in the US before I lost her.
I spent over 9 more months arguing with Access over every aspect of coverage - with them paying virtually NOTHING - Every time I spoke with one of their employees I had to repeat the entire strory and NEVER got to talk to the same person more than twice.

JUST THROW YOUR MONEY IN THE TOILET - much less painful and just as effective as Access America's insurance.
Comments [ 0 ]
Submitted by: LaCat
57 year-old   ::   Female Reviewer   ::   Louisiana

Date Submitted: May 17, 2009
Travel Insurer: Access America
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 3 out of 10
Recommend: No
Review: Access America: Fraud
I bought travel insurance for my trip back in February 2009 and my bags were delayed for 3 days. I had all needed information, documents from the airline that bags were delayed, receipts, boarding passes, etc. I figured this is going to be easy but boy was I wrong. After filing for claim and sending all the required docs (and more) I got a letter from Access America that they require more docs and some docs that I already sent. They claim that what I had was not sufficient, they needed more from the airline. What I had was the only thing the airline would provide to me (Lufthansa so not some 3rd world country airline). So basically, they rejected my claim.
I think they do this to everyone and rarely actually pay out the claim. They will be asking for documents forever until you just give up after wasting money on coverage and time dealing with them.
Comments [ 0 ]
Submitted by: Eric
35 year-old   ::   Male Reviewer   ::   New York

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