Access America

Reviewers
Male / Female		 Recommend
Yes / No		 Number of Reviews Coverage Claims Customer Service Cost Total Average Rating
18 / 16 5 / 29 34 2.55 2.41 2.64 3.81 2.85

Date Submitted: September 10, 2008
Travel Insurer: Access America
Coverage: 1 out of 10
Claims: 1 out of 10
Customer Service: 3 out of 10
Cost: 4 out of 10
Recommend: No
Review: Wife going into Labor is not covered
I purchased insurance for a business trip becasue my wife was pregnant, and i thought she might go into labor before my trip. She did, the baby was born on a Sunday, so i cancelled my tuesday trip. After the usual runaround delays - send proof, medical documents, etc - , I was finally told that "normal" pregnancies were not covered. I purchased the insurance for this very reason, but never read the 10 page PDF document that states this rule. This product is just not worth the paper its printed on.
Comments [ 0 ]
Submitted by: T.Hansen
44 year-old   ::   Male Reviewer   ::   Norwalk, CT

Date Submitted: July 8, 2008
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: Access America Insurance is a SCAM
I purchased the insurance for five members of my family. My Mother fell and hurt her foot the day I purchased the insurance for her. I called Access America and told them it happened later the day I purchased the tickets and Insurance. They said NOTHING about not being covered on the first day. My credit card was charged the first day. On page 15 of 26 pages of claims information it was stated. The rep who took my claim instructed me to fill out all the papers she sent to me, not telling me that I was not covered!!!! We filled out all the papers... and there was tons,got the Dr. to fill out papers and sign his papers and sent it in. They again contacted me and told me I needed to send proof of purchase and the flight itenerary. I sent it to them...all this time assuming it was covered. NO Word for six weeks...finally I called them and got a snotty customer rep on the line and she simply said " you were never covered" I called back several times to ask for a supervisor and all the times they either left me burn on hold or dropped the call. I was so mad at such poor service and professionalism. I finally got a call back from a Michele who said I could appeal on their website. She was not apologetic at all for their leading me on. AND Quess what?? No place to appeal on their website...like I was surprised. Access America flight insurance is a joke and scam. They need to have that information up front or at least tell you that the first time you call in,instead of leading you on and asking you to fill out all those papers and being so rude!! No more flight insurance from them....beware air travelors!
Comments [ 0 ]
Submitted by: Deb
56 year-old   ::   Female Reviewer   ::   Ioiwa

Date Submitted: April 17, 2008
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: Beware of Access America
Beware of Access America's bait and switch tactics. I had a flight cancel for mechanical reasons (rule 240) late at night and lost my single night hotel charge as a result. When I tried to collect on my insurance they refused because the "flight 240'd" and "because the hotel was prepaid"!!! What??? Everything is prepaid and non refundable these days which is why we buy insurance. The amount they won't pay? $80.00 on a $90.00 full coverage policy!!!!! I am an ex travel agent so trust me, I asked all the right questions. Now I have to get into a battle with them.
Comments [ 0 ]
Submitted by: Mary
49 year-old   ::   Female Reviewer   ::   Sonoma County

Date Submitted: October 14, 2006
Travel Insurer: Access America
Coverage: 5 out of 10
Claims: 1 out of 10
Customer Service: 1 out of 10
Cost: 5 out of 10
Recommend: No
Review: Denied claim on a technicality
Purchased travel insurance for my wife and myself for a trip to Europe we had planned in the spring of 2006. The coverage purchased included a refund of plane ticket costs in the event of illness of a family member. My mother became ill with what was diagnosed as the beginnings of neuro-vascular senile dementia, along with other age-related health problems, in February of 2006 and we canceled our trip plans due to that. One of the requirements in filing a claim for plane tickets cost reimbursement was providing written information from my mother's physician on one of Access America's claim forms. Due to the way one of the form questions was worded and the way her physician responded on the form, having to do with recent treatment dates for the condition that prompted our trip cancellation, it appeared that he had treated her for that particular development previously. This was not the case. As with many elderly people starting to experience various health problems, my mother had certainly had doctor's visits within the time frame the form inquired about, but certainly not for the catastrophic condition she had quickly developed in February. No amount of phone discussion or contacts to Access America in writing could correct the fact that mother's physician had simply listed the office visit dates of her most recent appointments, as requested on the form, for regular checkups and other treatments. Access America used a clause in the insurance contract about pre-existing conditions to deny the claim. The customer service people at this company were rude, unprofessional, and seemed absolutely determined to deny the claim at all costs based on a misunderstanding on a form. Any attempts to file an appeal on the denial was in itself a nightmare, since it's "handled by a different department" than who you purchase the stuff through, with a completely different address, phone numbers, and customer service people, if you can call it service. I would never, ever, use these people for insurance again.
Comments [ 0 ]
Submitted by: Stan
49 year-old   ::   Male Reviewer   ::   Murfreesboro, TN, USA

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