Access America reviews and traveler ratings for Access America travel insurance 2

Access America

Reviewers Male / Female	Recommend Yes / No	Number of Reviews	Coverage	Claims	Customer Service	Cost	Total Average Rating
69 / 55	12 / 112	124	2.06	1.89	2.25	2.82	2.25

Date Submitted:	May 17, 2011
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:	Biggest RIPOFF My husband and I planned a trip back to Massachusetts from Florida in August to see friends and family as we missed them allot. After booking the trip and being excited we were going back to where we once lived, we got some bad news that one of our closest and dearest friends has been diagnosed with cancer and his likelyhood of getting better is not favorbale to him. On Jet Blue's web site they offer to partner with Access America to buy the travel insurance, so I thought it was a good idea in case something happened. We decided to rebook and go back home earlier in the summer then antcipated. (Changed flights to June)Jet Blue charged us a penalty fee. We called Access America and filed the claim only to be turned down for the penalty that jet blue charged us, ($100.00 each ticket) to cancel and rebook as Access America said that a friend's illness is not covered under their policy. It was my understanding that any interrruption would be covered and that is why we bought the insurance. Guess again another company ripping off people and being proud of it. It was a waste of money and I have told all my friends not to get this insurance. Comments [ 1 ]
Submitted by:	Geneva 59 year-old :: Female Reviewer :: Cape Coral

Date Submitted:	May 9, 2011
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:	Waste of time and money Our son was to come from Afghanistan for R&R. We bought the insurance. His R&R was delayed and then rescheduled. I tried many times to get Access America to reimburse us but they just kept saying I had the wrong paper work. They wanted a letter from our sons supervisor to make this happen. I highly doubt that would have worked because everything else they asked for didn't work. I was not going to ask a person in the military to write a letter to them. Bad service and I would tell you NEVER to buy this insurance ever. No good! Comments [ 3 ]
Submitted by:	Dianne Davis 49 year-old :: Female Reviewer :: Ashburn, VA

Date Submitted:	April 19, 2011
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:	I wish i looked at the reviews earlier..USELESS Access America is the Stupidest plan anyone can buy for. They fool you when you buy the policy by having smaller letter disclaimer. I had a situation and i had to cancel my ticket for unplanned infertility treatment which would cost me 15K dollar if i cancel it. THESE STUPID customer reps didn't consider that emergency. Such a stupid ladies they have for call center who tries to be sweet but u can make out they are just acting.Well just wanted to share my experience and let you all know to not be fool in buying their insurance policy.. because its TOTALLY USELESS. Comments [ 1 ]
Submitted by:	Unhappy Customer 30 year-old :: Female Reviewer :: Somerset NJ

Date Submitted:	April 7, 2011
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:	not worth the trouble We had booked a flight back in early January to go to the FL Keys. We were greatly anticipating this trip. In February my wife got ill and by the end of the month was diagnosed with cancer and with treatment, it became impossible to make this trip. We had to cancel. We subsequently filed a claim with access america and they then sent out their forms for our doctor to fill out. Our doctor did this and the forms were returned and Access America proceeded to deny the claim. You see my wife had two doctor appointments last year, one in October for a pulled muscle in her chest and one in December from Bronchitis. She treated for a pulled muscle in October and treated for Bronchitis in December. There was no treatment for the cancer and no symptoms of the cancer until February. Access America denied our claim, saying that her cancer and its treatment pre-existed our travel arrangements and pointed to her treatment last year for unrelated matters. They alleged that these were symptoms of her cancer. I immediately questioned this denial as it was unfounded and based on assertions made by claims examiners who have no understanding of the cancer my wife is currently treating for. When I asked them how a chest muscle pull and bronchitis is related to cancer, they said they did not know, but that they were standing by their denial. I had to deal with many rude and inconsiderate claims examiners and supervisors at Access America who had no empathy or consideration for what my family was going through and nor did they care. I might have as well been talking to robots with no feelings. They quoted some vague exclusion in the policy and following their worthless 30 second investigation, they felt confident they had all the needed info to deny my claim. We had no idea my wife had cancer when we booked this travel. I wish we did, we of course would not have booked it if we knew. Access America does not have medical experience that doctors do not have, yet they somehow profess to be able to go back in time and say that a cough from bronchitis and a chest pull are symptoms of cancer. Wow, who needs doctors if access america claims examiners are this talented? We told our oncologist about this and he said that there is no way they can point to what my wife had last year and say they were symptoms of cancer. A cough is a symptom of many things, colds, flu, bronchitis and other things.. even allergies. So basically, according to access america and their exclusion, if you have a cough or cold, you should not be booking travel because they will find a way to say it is related even though they have no medical expertise, none. They will deny your claim on their assertions alone. They feel they are qualified to do that. Well, I did not feel they were so qualified and did not take their abuse, nor did I accept their denial. I fought it tooth and nail. I called them repeatedly, asked for the next level and continued to climb the ladder. I got all the way to the claims manager. he advised me to have my wife complete a HIPPAA form so they could access her medical records. Finally they planned to do a proper investigation even though they had already denied the claim. Even while this was going on, an associate from their parent company, Mondial USA sent me a rude email standing by their denial. This clued me in that Access America is subcompany for Mondial USA and from there I went to the Mondial website and was able to start emailing senior management at Mondial about the situation. I did this relentlessly, as well as call the Mondial office requesting to speak with the president of the company. Every piece of correspondence I sent to the claims manager was copied to senior mondia management. I also realize that cheaptickets offers access america as trip insurance exclusively and since they referred us to access america, they are equally guilty of the sins of access america, never the less, this complaint is aimed at cheap tickets.com as well. So I got the info that the claims manager requested, hippaa form signed by my wife as well as the medical records from her doctor visits last year and sent them into him via fax. A short while later he called to say they reviewed the records and would cover the claim. Well Duh!!! So they are going to pay the claim and the manager was very polite and I always appreciated how he handled himself in phone calls and emails. He was the one helpful person at access america. It is a great shame that I even had to get to him to get my claim paid. It is a shame that I had to go through all of this just for a claim that should have been covered all a long to get covered. It is a shame that an insurance company that makes a promise only wants to abuse their customer, especially given the fact of what we were going through. It is my opinion that this is not only a reflection of access america, but aso a reflection of mondial usa and cheaptickets.com. Nobody should go through this, however, if you read these reviews, it appears many people do. I see 2 out of 100 people on this forum got their claim handled. Access America looks at this site and posts acting as if they are concerned and even provide the help email address so that people can ask for review of their claim, but based on experience, you have to fight your way to the top to get any real help and you have to do all the leg work. I have spent countless hours trying to get my claim paid. Most people from access america simply did not care. Insurance companies need to care, it is their job to care. They are supposed to be there for their customers. It never once felt like that. This company tried to alienate me and in the process they also alienated cheaptickets.com. I will never again subject myself to the abuse afforded to my family from this company, access america or from cheaptickets.com and I urge everyone to take my situation into consideration before you subject your family to this kind of treatment. Read all of the posts below before signing up. Maybe, just maybe, access america will change their ways and actually do what they promise to do, until then, they are not worth the trouble. Cheaptickets, same goes for them, they chose to partner with Access America and therefore they are not worth the trouble either! Comments [ 0 ]
Submitted by:	claim was paid, but took tons of effort 30 year-old :: Male Reviewer :: us of a

Date Submitted:	March 31, 2011
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:	No refund even with travel warnings issued Guadalajara trip cancelled by about 10 of us due to narco and domestic terrorist activities which saw over a dozen dead in the city a week before trip. Airport busses hijacked on only airport road and burned (TWICE)three weeks before. US Consulate and Embassy forbid its employees to travel in Guadalajara at night and to airport in darkness. All a week before our trips. We cancelled and Access American refused any sir ticket refund. Comments [ 2 ]
Submitted by:	Brooks Ohlson 63 year-old :: Male Reviewer :: Sacramento, CA

Date Submitted:	March 29, 2011
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:	Nothing but corrupt crooks looking to cheat you! Late last year we started booking our vacation to the Florida Keys to go in April, 2011. My wife started to get sick in January and even sicker in February. On Valentine's Day she went to our Family doctor who found fluid on her lung and enlarged lymphnodes. After a battery of tests during the next two weeks she was diagnosed with Hodgkins Lymphoma. She was then hospitalized and we had to cancel this trip. Well the crooks at Access America determined that this was pre-existing condition because she had two doctor visits with our family doctor late last year. One in October for a pulled muscle in her chest and one in December for Bronchitis. I would like Access America to explain and prove that this was treatment for Hodgkin's Lymphoma. They can back it up to me or back it up in court. good luck scumbags! If you come across this company while booking your travel, think twice, they will steal your premium dollars and cheat you out of any claims. They only care about themselves and do not care one bit out those in need. DO NOT USE THIS COMPANY! GIVE THEM WHAT THEY DESERVE, BANKRUPTSY! Comments [ 5 ]
Submitted by:	not getting cheatd 30 year-old :: Male Reviewer :: somewhere, PA

Date Submitted:	March 29, 2011
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:	No Respect for the Military I was scheduled to take my 2 weeks of Military Rest & Recuperation (R&R) Leave from Afghanistan, during which time I was going to take my family to Disney World. However, I was stranded in Afghanistan for several days due to the temporary cancellation of military charter flights back to the States. I attempted to file a claim with Access America, since the delay in Afghanistan caused me to cancel my American Airlines trip and Disney Resort reservations. The two Access America customer service reps I spoke with barely let me explain my situation before telling me “no”. I also spoke with a Supervisor, who did the same. Apparently, there is no “delays due to acts of war” provision in the contract, and no consideration for military personnel and the sacrifices we make. Comments [ 2 ]
Submitted by:	A Disappointed Soldier 47 year-old :: Male Reviewer :: Dallas

Date Submitted:	March 28, 2011
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	3 out of 10
Cost:	5 out of 10
Recommend:	No
Review:	scam flight cancelled due to airport shutdown. Claim denied. they would not pay delay ins or anything. they came up with a different explaination each time. Comments [ 2 ]
Submitted by:	EB 45 year-old :: Male Reviewer :: NY

Date Submitted:	March 17, 2011
Travel Insurer:	Access America
Coverage:	10 out of 10
Claims:	10 out of 10
Customer Service:	10 out of 10
Cost:	10 out of 10
Recommend:	Yes
Review:	They were the best! We recently traveled away from home for a week. Two days before we were due to fly home, my husband got really sick. We had to change our flights to come home. They were extremely helpful on the phone and told us what to do. They immediately sent us claim forms. My husband went to the doctor and had a bad virus. The doctor said he was right to go home. We filed our claim and we received our checks within 10 working days. How nice not to have to fight to get what was due. Thanks Access America!! Comments [ 1 ]
Submitted by:	Likeness 59 year-old :: Female Reviewer :: Dallas, TX

Date Submitted:	March 16, 2011
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:	*****SCAM**** WHAT A SCAM THIS COMPANY IS!! DO NOT USE!!! ***SCAM****ALERT**** ***SCAM****ALERT**** ***SCAM****ALERT**** ***SCAM****ALERT**** ***SCAM****ALERT****** I CANNOT SAY IT ENOUGH, THIS COMPANY IS A SCAM, DO NOT PURCHASE!!! Comments [ 2 ]
Submitted by:	GR 42 year-old :: Male Reviewer :: FLAGSTAFF

Date Submitted:	March 11, 2011
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:	Will Not Refund Any Money Access American is extremely difficult to work with and will not refund any money under any circumstances, even though their advertisements say they will. Comments [ 3 ]
Submitted by:	Anon 20 year-old :: Female Reviewer :: Utah

Date Submitted:	March 8, 2011
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	1 out of 10
Recommend:	No
Review:	Beware - Access America is a scam You think you coverage but you really don't. They do not pay anything! Lots of small print and nothing is what is seems. Don't waste your money. Customer Service appears good up front but once you have a claim good luck trying to hear back from anyone. Comments [ 2 ]
Submitted by:	Marshall S. 41 year-old :: Male Reviewer :: Jacksonville, FL

Date Submitted:	March 6, 2011
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:	they insure nothing: a complete rip-off purchased insurance for a cruise. flight was canceled due to equipment problem, so we could not make it to destination in time for cruise departure. airline flew us at no additional cost to first port where we waited 3 days for ship to arrive. we sought pro rata reimbursement for the 3 days of the cruise that we had paid for (which is what an agent told us we could expect when we called while waiting for the flight to the first port.) claim denied on grounds that we were not delayed more than 24 hours. Comments [ 2 ]
Submitted by:	Larry 64 year-old :: Male Reviewer :: St. Paul, MN

Date Submitted:	February 27, 2011
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:	VERY TOUGH TO GET A REFUND!! After a cancellation due to illness, I did get a claim refunded. HOWEVER, it took two months' of calling them and resubmitting documents. I RECOMMEND you keep calling them regarding your claim; get the NAME of the person you talked to; make a note of the date and time you talked as well as what was said and just keep after them! ASK TO TALK TO A SUPERVISOR IF YOU'RE NOT HAPPY. Never lose your cool, just keep talking calmly-- you know what you're entitled to! I was owed a substantial amount of money and was DETERMINED to get it. If you simply submit a claim and don't follow up, you will get NOWHERE with them. GO GET 'EM! Comments [ 2 ]
Submitted by:	FREQUENT TRAVELLER 56 year-old :: Female Reviewer :: CANADA

Date Submitted:	February 25, 2011
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 is a scam Impossible to get a claim paid. Because me friend had stomach pain in July and made reservation in September they denied claim.She was diagnosed with renal cancer and latter died after reservation in september. Because doctor notes said she had pain in July they denied claim as I guess she should have known she was going to die. Corrupt company and should be put out of business as a fraud and scam. Comments [ 0 ]
Submitted by:	roncomp 54 year-old :: Male Reviewer :: san clemente ca

Date Submitted:	February 22, 2011
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	5 out of 10
Cost:	10 out of 10
Recommend:	No
Review:	A joint scam with United Got the idea I could change my flight with this insurance. They don't give you the cancellation criteria until after you pay. Lost money. Don't pay it. Comments [ 1 ]
Submitted by:	DOM 54 year-old :: Male Reviewer :: San Jose

Date Submitted:	February 21, 2011
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:	Ripped Off by Access America Access America Travel Insurance is a RIP OFF! I booked a flight to see my sick Dad in Dec. Within hours, I found out he passed away the night before. I changed my flight to come in earlier for his funeral. Access America claims that since my father was ill, I should have KNOWN he was going to die, so they denied the claim. Google Access America. This is their MO. What a complete rip off. Comments [ 0 ]
Submitted by:	Benay 47 year-old :: Female Reviewer :: Los angeles, CA

Date Submitted:	February 18, 2011
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:	No trip cancellation protection The only reason that I wanted insurance for out trip was due to my husband's medical condition. We purchased tickets four months in advance when he seemed to be in good health. However, he became ill again a month before the trip. This company says it will not pay if there is any preexisting condition. CHECK THE TYPES OF COVERAGE THESE INSURANCE COMPANIES PROVIDE. This company only covers rare situations. Why bother. I will never use them again. Comments [ 2 ]
Submitted by:	Never use access america 49 year-old :: Female Reviewer :: USA

Date Submitted:	February 9, 2011
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:	Auto Insurance w/on-line rentals - Don't Do It!! I rented a truck on-line w/Budget, the same time I booked the airline tickets for my company's over the road technicians, headed to Canada. On the Budget website it ask do you want insurance so I clicked yes. Oh What a Mistake! It turns out the insurance company on this policy was Access America - such a Scam of a Company!! Needless to say, our guys were in an accident, and Access America say they don't cover Trucks!!!! They took our money knowing we rented a truck and then said too bad it was in the terms & conditions on the rental agreement web-page! How is this possibly legal to take money for insurance you have no intentions of covering??? Went to BBB, no help what so ever. So I thought I would post to warn as many people as possible, DO NOT DO BUSINESS WITH ACCESS AMERICA INSURANCE, THEY ARE NOTHING BUT A SCAM COMPANY, and will not pay off on your claim(s). Access America is NOT a reputable company, you might as well throw your money down the toilet, you'll get the same results. The loss of your money & nothing to show for it! Consumers Beware Of Access America Insurance!! Comments [ 1 ]
Submitted by:	Diana 49 year-old :: Female Reviewer :: Effingham

Date Submitted:	February 4, 2011
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 - Scam Purchased Travel Insuracne from Access America, They kept on giving reason after reason and form after Form to deny the claim. they sent me a form to be filled by the doctor, Everyone i am sure knows that when you go to a doctors office, the average wait time is 20 minutes, and Access America sends a form(4 pages) to be filled by the doctor, I am sure they are not stupid but smart in designing thier forms since no doctor will ever fill up a 4 page form for a pateint even if its 100% Geniune since no one has that kind of time. Further i still provided them the doctors letter provided on the Doctors stationary stating the reason of illness, but still Access America wtihout even understanding the medication or the diagnosis declied the claim, Iam 100% sure the Representative didnt even know what the medican was for and wasnt able to even undestand the diagnosis, but still made her judgemet in 5 seconds without even reading the contents saying you will not get the refund, its a 100% SCAM, also i spoke to other members on the forum and asked them did they get a refund, only the individuals who have sent notices from thier attorneys have got refunds, wihch shows that they wait till they get sued and then they refund. Such companies shoudl be shut down, Comments [ 1 ]
Submitted by:	Kumar 35 year-old :: Male Reviewer :: Irving, TX

Date Submitted:	February 1, 2011
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	1 out of 10
Cost:	4 out of 10
Recommend:	No
Review:	Specialists in making sure you won't be insured I planned a work trip to the Bay Area, but my work got cancelled a week before my departure date. I called, got a nice man on the phone, but no cooperation. They would not cover my airfare cost ($246). Reason: I did not lose my job. Me: "I am self employed. I don't loose my job!" Them: "Did you go out of business?" Me: "No. One job I had got cancelled. Therefore I am not going this time." Them: "Only if you close your business" I called three times, but still no way to a get any refund at all. Sent them two emails, and filed complain through their online service. A month later I still have not heard back from Access America. Simply do not buy from this company. They are a rip off, unreliable and unprofessional. Comments [ 2 ]
Submitted by:	LM 36 year-old :: Male Reviewer :: Oregon

Date Submitted:	January 17, 2011
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:	WORDS CAN'T EVEN EXPLAIN THE FRUSTRATION!!!! THEY WILL STEAL YOUR MONEY!! DO NOT BUY FROM THEM. SHARE THIS WEBSITE WITH EVERYONE YOU KNOW SO THEY CAN KNOW BEFORE THEY BUY. I had bought insurance from these theives (Access America) back in July 2009. As you can see I have not gotten anywhere. They have made me so stressed out. We had to leave early due to an illness that was NOT PLANNED and our baggage was delayed and our items were broken. They have not reimbursed me for ANYTHING. I had filed a claim and they stated that they had lost my papers so I mailed them 2 more times. I then call them to give them the information and they had said that they had lost that as well. I then e-mail them asking them what is going on and they keep telling me bulls*it like they need me to mail my papers AGAIN. But now they have just ignored me. They will comment on this saying to contact them, but they are just trying to waste more of my time and get me more frustrated. So if you want to get ripped off big time like I did by these theives (Access America) then buy the insurance. But if you don't want your money to be stolen, they STAY AWAY FROM THIS COMPANY. They will say any lie just to not give you what they owe you. It is very sad how companies like Access America continue STEALING money from innocent people. This company needs to be investigated for fraud. Shame on them!!! They are such a SCAM!!!!!!!! Comments [ 6 ]
Submitted by:	T 18 year-old :: Female Reviewer :: California, USA

Date Submitted:	January 16, 2011
Travel Insurer:	Access America
Coverage:	7 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	7 out of 10
Recommend:	No
Review:	Avoids paying legitimate claims Trip to Israel--week before, they were bombing Israel. Access America refused to accept trip cancellation because they didn't consider it a formal war (but they did acknowledge it was extremely dangerous). The premium was paid months before but Access America refused to pay the claim. Self-serving nonsense. Now, I'm booking a $30,000 trip to Africa. Access America will definitely not be my company. Comments [ 1 ]
Submitted by:	RJ 59 year-old :: Male Reviewer :: Columbia

Date Submitted:	January 15, 2011
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:	FRUSTRATED BEYOND BELIEF! I consider myself a nice, honest and trustworthy person, the kind of person that likes to be treated fairly. Access America dose not treat anyone fairly! Our family (my husband and myself, my sister and her husband, and my mother and father) booked a cruise and had to cancel because my nephews wife became so ill she was hospitalized and he had to stay in the hospital with her. They have a 1 year old that they desperately needed us to help care for while they were trying to figure out what was wrong with Cassie. The doctors finally determined she was suffering from gastroparesis (her stomach is paralized and she is unable to digest food)she has lost over 50 lbs since the end of June. The final payment for our cruise was made June 29th so our policy should have gone into effect on that date. Access America claims our policy went into effect on July 6th and since Cassie got sick at the end of June it is considered a pre-existing condition. What a crock! Before we cancelled our trip my mom contacted Access America and was assured that we would have no problem getting our money back she spoke to Eric and was pleased to learn there would be no problem getting a refund. She trusted him! It seems that was our first mistake. We had all our documents, the letter from the Dr. the insurance claim forms filled out, the whole nine yards.We didn't hear anything for a while. All this time checking our mailboxes waiting for our refunds which never arrived. I called Access America to check on our claims and was told they never received our paperwork. Not mine, not my sisters, not my parents. Wow! that's amazing that they didn't get any of our claims. We bagan to smell a rat! After all this confusion and many many phonecalls I was assured they did in fact have our claim forms and our claims were denied! I did some research and found that no matter how honest and thorough you are with this company YOU WILL NOT GET YOUR MONEY BACK!!!!! THERE ARE PLENTY OF REPUTABLE TRAVEL INSURANCE COMPANIES OUT THERE SO KEEP SEARCHING AND STAY AWAY FROM THIS ONE! Comments [ 1 ]
Submitted by:	Lauri 52 year-old :: Female Reviewer :: Allentown Pa

Date Submitted:	January 7, 2011
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:	Shame on this company! I purchased insurance to cover a family trip back in July of last year for 5 travelers. We had to cancel the trip because my brother in law became ill in the hospital (was in a coma). I submitted to claim forms and was told by access america (via email), another form had to be completed by the physician. Since my brother in law was in a coma, the hospital/doctors would not complete it due to HIPA laws. My brother in law never recovered and passed away in November. I contacted access american to see if I supplied the death certificate with his name on it and this time was told no they would not process the claim, they still needed the form. This company needs to be investigated for fraud. This is a shame! SCAM!!!!!!!! Comments [ 3 ]
Submitted by:	Angry in TEXAS 48 year-old :: Female Reviewer :: San Antonio

Date Submitted:	December 26, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	3 out of 10
Recommend:	No
Review:	Complete Rip-off They told me they'd contact me if they needed more info, but they didn't contact me. So after several weeks I finally contacted them to inquire and they told me they needed more documents so I sent them the next day. Again they didn't tell me they needed more, then announced it was only secondary insurance and probably wouldn't cover the claim, so they demanded more paperwork. Now they're saying multiple weeks for payment IF they decide to cover my claim, which was a roll-over accident in Mexico. Total scam! Comments [ 3 ]
Submitted by:	Reciprocity 39 year-old :: Male Reviewer :: San Luis Obispo County

Date Submitted:	December 16, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	1 out of 10
Recommend:	No
Review:	Big time thieves I am speachless. The only consolation is that I am not alone. Crooks, liars, miserable cheaters, bandits. Comments [ 2 ]
Submitted by:	Olga 67 year-old :: Female Reviewer :: San Francisco

Date Submitted:	December 1, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	1 out of 10
Recommend:	No
Review:	I wish I had read the reviews before buying it I could not travel because my little daughter, who is 1.5 year old got sick. Even though I got all the needed papers and documents from doctors stating that she is not adviced to travel, the insuarance company rejected my claim right away. It was easier just to cancel the trip and use the money towards next time purchase. Remember, you will never be able to get even your money back. Comments [ 2 ]
Submitted by:	eguliyev 30 year-old :: Male Reviewer :: Houston

Date Submitted:	November 30, 2010
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:	They are criminals! I am truly sorry it has come to this, however, I think it is very important you know the contractual breach with Access America and myself. On September 8, 2010, I purchased a travel protection policy from Access America for travel on October 29-31, 2010. I later changed the dates with American Airlines and paid a penalty to change the dates to November 12, 2010. I reviewed the Access America policy number AMR00001801066 which was issued on September 8, 2010 to figure out if I had to contact Access America to change the original dates. There was no reference in the contract to contact Access America to change dates. On November 10, 2010, I contacted American Airlines and Access America to cancel my revised travel date of November 12, 2010 because of a seriously ill family member who later passed away on November 12, 2010. I started a claim with Access America on November 10 and retained a physician certification form from my family member's doctor who clearly stated: "He will need his family support at this time." After contacting Access America, they said my claim will be denied because I changed the travel dates from my original travel dates in October, 2010. I challenged their decision becasue there is no reference in the contract stating I am required to contact Access America to notify them of the change. They still denied the claim although there is not a written clause stating the insured is required to contact Access America in the event travel dates change. Obviously, this is emotionally challenging because I had purchased an insurance policy for protection and when needed, the insurance carrier is not honoring the claim. I think it is only fair for Access America to honor the trip cancellation protection of $391.40 for which it was issued. Comments [ 1 ]
Submitted by:	jyoans 30 year-old :: Male Reviewer :: Chicago, IL

Date Submitted:	November 23, 2010
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:	A waste of money and time I did my part calling many times before my purchase to make sure I understood my policy, but when it came time to have to make a claim, they said they couldn't cover my expenses cause they weren't included. I was mislead to beleive that I would be covered, but all I was reimbursed was $2.50! I am out expenses plus the cost of the policy. Never again. Comments [ 2 ]
Submitted by:	Anela 29 year-old :: Female Reviewer :: Anchorage, AK

Date Submitted:	November 10, 2010
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:	DO NOT BUY - WASTE OF MONEY I bought this "insurance" which is supposed to cover cancellations, but of course it doesn't cover if you cancel the flight for any reason, they only cover you if the airline cancels it themselves. Basically, you have no power in the situation to cancel your own flight, they only reward you if you're already screwed over by the airline. I cannot wait for all airlines to go bankrupt. Comments [ 2 ]
Submitted by:	Evan 25 year-old :: Male Reviewer :: Atlanta

Date Submitted:	November 9, 2010
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:	Absolute Rip-Off This company is misleading and dishonest. They basically put so many stipulations in their policies, that they can get around paying almost any claim. For example, their website talks about weather delays. They only pay a claim if the airlines do not fly for a full 24 hours or more. How often does that happen? The airport was closed for 4 hours and the airline could not get me to my destination prior to the time my return flight was departing. Access America says that since the airline had flights (regardless of whether or not I could fly), it is not a valid claim. They are thieves. Comments [ 1 ]
Submitted by:	Missed a Wedding 36 year-old :: Female Reviewer :: Vermont

Date Submitted:	November 5, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	1 out of 10
Recommend:	No
Review:	BUYER BEWARE Access America Insurance is a rip off I purphased my tickets through Orbitz to make a trip to San Juan, Puerto Rico in March of 2010. At the time Orbitz was using Access America Travel Insurance and Assistance as their travel protection insurance coverage provider. Being cautious, after having to cancel 2 trips due to deathes in the family I bought their insurance. MAJOR MISTAKE, and I should have known it from the poor experience I had with them last year. I had to cancel and reschedule a trip that my husband and I were to have taken, but my husband company called an emergency meeting that he HAD to be at. Access America told me they would not reimburse us because they do not covera loss of travel due to business complications. Well dumie me bought their insurance again to cover your trip to Puerto Rico this March for a trip scheduled for May 13. As it turns out I had to go to a regularly scheduled neuerology appoinment (quarterly visit), on may 10, at which time my doctor informed me I could not fly due to my neck giving problems at the time. I have had this condiction since 1987 and have NEVER been told I could not travel because of it, no matter how painful it was. Usually I get on the plan, take a dose of my pain medication and sleep through the flight. However this time MY NEUROLOGIST was very worried about the level of pain that I was experiencing, and was afraid I "might" wind up having to go to an emergency room, if the problem got any worse. He told me it would be better for me to cancel our trip and reschedule at a later date, because he didn't want me to wind up in a foreign hospital and out of touch'reach of his office. So I called Oribitz and cancelled our trip on his determination. I then called and wrote to Access america and told them I had had to cancel our trip for the present, due to a medical denial to travel by my doctor. My doctor had aletter typed up for me the day of my visit with him, on May 10, stating that I could not travel due to problems with my neck. I filled out Access America reimbursement forms and attched the letter from my doctor. After more than a month I got a letter back from Access America saying they needed more informationand that the reason for my cancellation had to have been with in 72 hours of our time of travel, and so I was denied. I called and informed them that I was within the 72 hour period of travel, and again I refilled out their forms and had my doctor wrote a second letter to send to them. Once again more than a month goes by and nothing from Access America, so I called the company (I believe this was my 3 or4 call to them). The young man on the phone was very nice and said he would have someone get in touch with me ASAP. Two weeks or more later I get another letter from Access America stating that this time I was denied because my condiction was preexciting. Since my condiction had NEVER kept me from traveling by plane before I called them back , and informed them that although Yes, this was a preexciting condiction, one I'd had since 1987, it had never kept me from traveling by plane before. Once again their agent was very polite and I was told they would chek into it, and Access America would be back in touch with me soon. several weeks leater I once again recieve A letter informing me that due to their policy I was denied because it stated that they did not cover loss of travel due to preexciting medical condictions. I will readily admit that when I called them back this time I was neither polite nor cordial as I had been in they past, as a matter a fact I was down right right mad and angry, and I let them know it. I spoke to one of their supervisors, named Johanna Sydnor who told me I could go on-line to post a complaint and APPEAL my case. So far I have written letters of compliant to the BBB, and two directly to Access America, but have yet to find their web site where I can appeal their findings. I am however informing all my friends, aquiantes and anyone else I can reach through Facebook, and twitter NOT to purchase trvel insurance though Access America because they are a rip off and will find any reason Not to cover travelers who have to cancel trips using their company. And from what I have seem on two web sites I am not the only person who has had trouble collecting from Access America. To bad because it is consimer like us that make or break a business like theirs. Wish me luck, because I am not giving up until I get ALL my money reimbursed!!!! Comments [ 1 ]
Submitted by:	Linda White 53 year-old :: Female Reviewer :: Morganton

Date Submitted:	November 3, 2010
Travel Insurer:	Access America
Coverage:	2 out of 10
Claims:	1 out of 10
Customer Service:	1 out of 10
Cost:	3 out of 10
Recommend:	No
Review:	Took 3 months of submitting documents Couldn't make a cruise because wife needed emergency back surgery due to ruptured disc. Finally got paid after 3 months of sending endless paperwork and Dr's statements, Blue Cross receipts etc. Each submission was rejected for some new requirement they pulled out of the proverbial "hat". Comments [ 1 ]
Submitted by:	papabob56 67 year-old :: Male Reviewer :: st petersburg fl

Date Submitted:	November 2, 2010
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:	Better hope $200 covers you if stranded We were stranded in Barcelona because our airline canceled our flight and could not rebook us for three days. Hotel and meals cost us $1200 and all we got was $200 each for "Trip delay". Granted that's what the confirmation letter said but if I had paid attention I would have known the insurance is not worth the paper it's on. Our credit card company would have covered us for $600 and we wouldn't have had to pay for that coverage. Never again. Live and learn the hard way. Comments [ 1 ]
Submitted by:	Wayne and Mary 62 year-old :: Male Reviewer :: Houston

Date Submitted:	October 20, 2010
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:	Delta ripoff scam They say they cover lost or damaged baggage, sure if 1. you report it to delta first and file a claim with them (can take up to several hours at the end of your flight) then 2. fill out a time wasting claim form then 3. Drive to (at your wasted time and expense) to a luggage appraisal and repair service store and then get denied...rip off, shame on Delta and insurance regulators! Comments [ 1 ]
Submitted by:	Jim 44 year-old :: Male Reviewer :: Columbia tennessee

Date Submitted:	October 18, 2010
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:	This company is full of Bull%$#@ I have been trying to get a refund. I sent everything to the insurance company 3 times. They keep saying they need something else. I finally faxed every sheet individually so I would have proof that I sent each page. I then demanded I receive my payment within 10 days or that I will contact an attorney. I think we all need to band together and bring a lawsuit againt this company for false advertisement and illegal business practices. We will see. I will sue them. Comments [ 2 ]
Submitted by:	Sharon B. 46 year-old :: Female Reviewer :: Bradley

Date Submitted:	October 10, 2010
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:	Scam - Stay Away! Run the Other Way Denied our travel insurance claim due to pre-existing medical condition. We cancelled our vacation to NYC because my 17 year old son suffered a herniated disk after we book our trip. They kept insisting our doctor noted a pre-existing condition even after a clarification letter from the doctor indicating there where "well child care check ups." My 17 year old sneezed, which started his severe back pain. AA kept asking for documents, does not reply right away, trying to tire you...so you can go away. Now they wanted to review my sons medical records! I responded unless you are a medical doctor...no way. Small claims court he we come. Advised to others...Stay, stay away from this company. Comments [ 1 ]
Submitted by:	Godfrey 46 year-old :: Male Reviewer :: Folsom, CA

Date Submitted:	October 5, 2010
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:	THIS COMPANY IS JUST A SCAM This is the worst travel insurance you could ever get. They make you submit a bunch of supporting documents to process a claim and then turn around and not cover a single thing. I submitted a claim after my wallet was stolen in Italy, a couple of weeks later I called them to make sure they had received the supporting documents and the representative reassured me that I would be covered. I called again two weeks later and was informed the claim was denied but the representative was unable to give me an explanation of the reasons for deniying it, she said I would receive a letter which never arrived so I called again two weeks later and they said they would mail me another letter but of course it never came either. This is just a scam, they are quick to take your money but won't cover anything if you actually have to submit a claim. The didn't even cover the cost of the wallet even though I sent them the police report and the report from the tour director. Comments [ 1 ]
Submitted by:	Customer40 41 year-old :: Female Reviewer :: New Jersey

Date Submitted:	October 4, 2010
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:	They will find ways not to pay, Scam company Flights delay for over ten hours. Contract stated 500 dollars cover for that. Small print in the booklet stated 150 dollars maximum. First lie right there. Unless you spent 150 dollars while you are being delay they don't pay you a dime. I missed my friends' wedding have to stay an extra day so at least I can see them after they are back from their honeymoon. All the extra expenses from taxi to food and extra for changing the flight extra Hotel cost and missed work. None is excepted by them. Next time when you are stuck in the airport for over 6 hours. Only way to get reimbursed is to spend 150 dollars buy erevybody a round in the bar , order the most expensive meal and get the receipt then they have no excuse not to pay up. Total sacm , will never buy anything from them and their afilia company Comments [ 1 ]
Submitted by:	Dai Dee 53 year-old :: Male Reviewer :: NYC

Date Submitted:	October 3, 2010
Travel Insurer:	Access America
Coverage:	8 out of 10
Claims:	10 out of 10
Customer Service:	8 out of 10
Cost:	7 out of 10
Recommend:	Yes
Review:	Common Carrier Delay = No Problem I bought a policy mainly to cover medical costs while traveling in Central America - I never had to use it for any medical reason so I can't comment on that aspect. I was delayed overnight in Miami on my way to Nicaragua. It was American Airlines fault. I had a few costs associated with meals, taxis, and cancellation at the hostel. I did an online submission when I got back and it was approved the same day. I received a check in about 10 days. The only downside was the first person I talked to on the phone was not very helpful. When I called in again the same day, the second person reviewed the claim and said it was already approved. SAVE YOUR RECEIPTS FROM EVERYTHING! Comments [ 1 ]
Submitted by:	Skinlessfoot 26 year-old :: Male Reviewer :: Portland

Date Submitted:	September 21, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	1 out of 10
Recommend:	No
Review:	SCAM!! LIES!! DO NOT PAY FOR THIS!! TOTAL SCAM...THEY TAKE YOUR MONEY & LEAVE YOU WITH NOTHING!! I was eligible for coverage according to my policy (which is ridiculously strict and limited)!! They claim right there on the home page of their website that you are covered in case of emergencies, something as common as your child getting the flu. I had a serious medical problem ARISE (while under coverage) that I now need to receive treatment for. This not only affects me, but also my entire family. After seeing the doctor, he immediately suggested that I do not take the trip. Access America's Customer Service is very friendly and they give off this feeling of assurance that "everything is going to be ok." Then when you file the claim, they ask for more & more information beyond what the actual claim forms request. They're just LOOKING FOR A REASON NOT TO COVER YOU!! If your child gets the flu, you better be prepared for a full out investigation as to WHY your child got the flu. It will somehow be your fault, or the child's fault, or the school's fault. THIS HOLDS TRUE TO EVEN MORE SERIOUS SITUATIONS THAT ARE OUT OF YOUR CONTROL OR SITUATIONS/CONDITIONS THAT YOU DID NOT FORSEE & HAD NO KNOWLEDGE OF!! IT'S BAD ENOUGH THAT YOU HAVE TO DEAL WITH THE PROBLEMS THAT CAUSED YOUR CLAIM IN THE FIRST PLACE! BUT UNLESS YOUR CASE IS A TOTAL FLUKE, YOU'RE NOT COVERED. DON'T BE FOOLED BY THE FRIENDLY & REASSURING WEBSITE. READ THE POLICY ALL THE WAY THROUGH AND YOU WILL SEE FOR YOURSELF THAT IT'S A SCAM!! DO NOT WASTE YOUR HARD EARNED MONEY ON ACCESS AMERICA!! I DON'T EVEN KNOW HOW THEY'RE STILL IN BUSINESS! CHECK OUT THE OTHER ACCESS AMERICA REVIEW SITES, WHERE OTHER CUSTOMERS SHARE THEIR STORIES OF HOW THEY WERE SCAMMED!! IT'S HEARTBREAKING!! Comments [ 1 ]
Submitted by:	Raquel R. 40 year-old :: Female Reviewer :: Omaha, NE

Date Submitted:	September 17, 2010
Travel Insurer:	Access America
Coverage:	2 out of 10
Claims:	1 out of 10
Customer Service:	1 out of 10
Cost:	4 out of 10
Recommend:	No
Review:	Most airlines are NOT covered This company is linked to Orbitz and once a ticket is purchased you are automatically give an option to purchase travel insurance from them. No mention is made of the fact that the airline are using is or is NOT covered by their insurance. Once purchased the summary page includes trip cancellation coverage with no quick reference to the back page for the very brief list of included airlines. Therefore, our policy did not cover Mexicana airlines cancellation of our flight over the Christmas holidays. Do not even consider using this insurance carrier. I would worry that any claim would be rejected. Comments [ 1 ]
Submitted by:	Deb S 61 year-old :: Female Reviewer :: Chicago

Date Submitted:	September 16, 2010
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:	Ripoff We had to cancel our trip one day before departure due to father in law on his deathbed. Two days later he died. We filed and the claim was denied. This insurance company is fraudulant. Don't waste your money on coverage from this company. Comments [ 1 ]
Submitted by:	Rick 66 year-old :: Male Reviewer :: Dallas

Date Submitted:	September 11, 2010
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:	Travel Insurance Access America SCAM SCAM SCAN DO NOT WASTE YOUR MONEY HERE they will not pay for $140.00 for service we didn't get. They will come up with some type of excuse to avoid paying a Dime Comments [ 2 ]
Submitted by:	Jose Campos 68 year-old :: Male Reviewer :: Phoenix

Date Submitted:	September 8, 2010
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:	Fraud on travelers everywhere This is the absolute most fraudulent group I have ever dealt with in my life outside the cabbies in the Czech Republic, and I am patiently awaiting my "Class Action Membership" letter in the mail. They are liars and cheats, and I no longer use Orbitz because of their association with this company. My story is too long and too enraging to recount here. Suffice to say: beware! Comments [ 1 ]
Submitted by:	Skip 34 year-old :: Female Reviewer :: Waterloo

Date Submitted:	September 3, 2010
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:	Don't waste your money Purchased this flight insurance but ended up having to drive home because my contract was terminated due to lack of work. Policy says covers termination or layoff that isn't your fault. Access started spouting off other rules and such not in the paper work provided me to avoid paying the claim. Total rip off. Don't waste your money on this insurance. Comments [ 1 ]
Submitted by:	BBdentman 50 year-old :: Male Reviewer :: Memphis

Date Submitted:	August 29, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	1 out of 10
Cost:	4 out of 10
Recommend:	No
Review:	Useless Got my bag stolen in a bus while traveling in Costa Rica. Where useless to help me contact the embassy to obtain a new passport. Didn't refund anything for the travel delay or the stolen properties. Was stuck for a week over there! Extremely long delay to get an answer from them. Comments [ 1 ]
Submitted by:	robbar 30 year-old :: Male Reviewer :: Seattle

Date Submitted:	August 8, 2010
Travel Insurer:	Access America
Coverage:	10 out of 10
Claims:	10 out of 10
Customer Service:	10 out of 10
Cost:	8 out of 10
Recommend:	Yes
Review:	No Problem With Claim Husband tore his quadricep tendon due to a fall which required surgery and six to eight week healing period. This happened two weeks before our scheduled cruise. We had to cancel the cruise. Three weeks after filing the claim, Access sent us checks for full amount.We will definitely use Access again. Comments [ 2 ]
Submitted by:	Teri 64 year-old :: Female Reviewer :: Albuquerque

Date Submitted:	August 2, 2010
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:	SCAMMMMMM!!!!!! No time to explicate this LONG story but avoid these crooks like the plague!!!! It is nothing but a racket and the company has only one principle: to cheat you and waste your valuable time. Comments [ 1 ]
Submitted by:	Paige L. Smith 59 year-old :: Female Reviewer :: Birmingham, AL

Date Submitted:	July 30, 2010
Travel Insurer:	Access America
Coverage:	6 out of 10
Claims:	6 out of 10
Customer Service:	3 out of 10
Cost:	3 out of 10
Recommend:	No
Review:	Finally did get paid It took months, and multiple documentations...got paid, though. IF AAA has travel insurance, I'd definitely go with them next time. Comments [ 0 ]
Submitted by:	44blue 61 year-old :: Female Reviewer :: Abilene

Date Submitted:	July 21, 2010
Travel Insurer:	Access America
Coverage:	2 out of 10
Claims:	1 out of 10
Customer Service:	1 out of 10
Cost:	2 out of 10
Recommend:	No
Review:	Don't go there... This company is ridiculous. We took out rental insurance from them (via Orbitz) for a trip to Costa Rica, and upon arriving there, was told at the rental counter that the insurance “was not valid” in Costa Rica. We spoke with Access America support staff upon our return, and they said that their insurance is often not acknowledged as valid in Latin American countries, and promised a full refund after I fax them the bill. A few days after faxing, I called and was told I wouldn’t be getting a refund. So I spoke with a manager who again said I’d receive a refund once I sent a cleaner copy of the rental receipt. After emailing them a copy, I received an email stating that they couldn’t refund me since I’d requested a refund more than 10 days after purchasing the policy. Of course, no one mentioned this when I bought the insurance 3 months prior to our trip. And, why didn’t any of the 3 employees I spoke with mention this while as they asked for receipts, promised refunds, and generally gave me the run-around??!! No refund ever came. This company is disorganized and a joke. I have no idea why Orbitz works with them. I would never, ever get insurance from them again, especially if traveling south of the U.S. Comments [ 0 ]
Submitted by:	Troy 46 year-old :: Male Reviewer :: Marquette

Date Submitted:	July 16, 2010
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:	They stole my money They stole my money, nearly $1,000.00 and won't give it back!! Comments [ 0 ]
Submitted by:	tamika Brown 21 year-old :: Female Reviewer :: USA

Date Submitted:	July 13, 2010
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:	Contact your airline about this scam I bought travel insurance with Access America for a flight from Boston to Detroit. I had to cancel three days beforehand because of a medical problem involving a close relative, which led to his being charged by the police with a crime in another city. When I tried to file a claim with Access America for the cancelled flight, I was first put on hold for over 45 minutes, then was told (immediately) that this event wasn't covered under the policy. I sent an email to Delta Airlines urging that they discontinue their association with Access America, because AA is a fraud and Delta's association with them is damaging to Delta's reputation. The best thing we can do as consumers about this scam is to warn others on websites like this, and urge airlines and travel web sites like Travelocity, Orbitz, Cheapfares, etc. to disassociate themselves completely from Access America. If any lawyer wants to file a class action against AA, please sign me up as a plaintiff. Comments [ 1 ]
Submitted by:	Steve 65 year-old :: Male Reviewer :: Grosse Pointe Park

Date Submitted:	July 4, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	7 out of 10
Customer Service:	7 out of 10
Cost:	9 out of 10
Recommend:	No
Review:	In process of claim right now - will update soon Booked a trip for my family and I from San Diego to Madrid...booked the tickets on AA August of 2009 for travel in June 2010 (way in advance) so I purchased a $24 Access America policy for my wife and I, but not for the kids. Main reason was in case of striking European transit workers - as well as trip interruption, etc. I DID READ the entire policy, which took roughly half an hour, to make sure that they were not "supplimental" coverage, and also called Access America to make sure they were not "supplimental / secondary" coverage - they assured me they were not and the policy does not indicate anywhere that they are either. Life was good - I bought the policies. The day of travel to Madrid, incredibly, American Airlines lost my wifes luggage and mine! It would be 3 cities and almost 4 days later that we would be reunited with our bags. The day of landing, once I knew we had no luggage and were in for more than a 24-hour delay (easy to determine since AA only has one flight a day into Madrid from Dallas, so >24 hour delay was assured we were told) I called Access America again and they reconfirmed / reassured me (on a speakerphone call listened to by my family and the American Airlines baggage rep) that they were not "secondary coverage" which I was specifically interested in, because I knew what would happen next. I knew American Airlines would eventually pay us "something" for clothing and essentials that we needed to purchase, but that it would take them 4 months - the major airlines are all criminals when it comes to the timeliness of a claim like that, and they hope that by inundating a person with paperwork requests and re-requests, most claims just fizzle away due to lack of stamina or ability for average people to stick with the claims process. I did not want this from my travel insurance. So, purchase a LOT of clothing, since we had lost a lot of clothing, and my wife was having a bit of a meltdown over our first family international vacation (which we don't speak Spanish) being kicked off with nada for essentials etc. Plus we were stuck - there is no way to find the "good deal boutique stores" when you are trapped in Spain and asking the local hotel people where to go purchase clothing and esentials - they all point to the biggest mall on the map and smile. I would too! So anyway, we spend a fair amount comfortable in the knowledge that Access America covers each of us $500 per person. No matter what. According to them. 4 days later we meet our luggage, and life is grand because we have a bit of new clothing, etc. and have a week of vacation left, plus I am comforted knowing we were not hosed on the $1500 we spent on stuff due to no bags. I get home and file the claim with American Airlines and Access America. So now, for the FIRST TIME EVER, Access American suddenly says they are "secondary coverage" and will happily take my claim, but have no plans to pay until American Airlines gets done with their claim. ARE YOU KIDDING ME!? I have them open up their FINE PRINT policy and show me this - IT DOESN'T EXIST AND THEY CAN'T SHOW ME!! However they nicely indicate that there is a line in the policy way down that indicates any reimbursement from American Airlines is taken out of the reimbursement for the Access America policy. Well here is the legal catch - that is fine with me - if American Airlines pays me my entire claim in 3 to 4 months, I am happy to pay Access America back the $500 each for my wife and I that I was expecting. However, I am pretty sure that this does not entitle them to wait to pay me based on their policy wording and the CLEAR repeated message from their reps which I documented. So, I am a week into this, and will be notifying them of all this in writing this week. I will post / update on this site how this ends - if they pay me immediately as I expect, then I will be overall pleased, because candidly as another person accurately posted, these are cheap policies so obviously they are going to push back on almost every claim - all insurance is a version of a scam for the masses, with only the somewhat persistent and informed customers getting what they should get. These types of policies are very much on the "don't pay for much" side given how inexpensive they are. That said, my case is as clear-cut and well-documented as it gets, so as another posted shared, if Access America tries to act like true secondary coverage vs paying me as they promise and allowing me to pay them back if American Airlines actually comes through 100% (which is highly unlikely) then I will correspond with the California Insurance Commission - not something I look forward to since this is a huge time waste, but something I will do. The key thing to do with these policies is take the time to read the real coverage, never the high-level summary of benefits, since the summary always makes it sound like everything is covered when we all know there are exceptions and exclusions hidden everywhere in these things. Good luck all. Steve Comments [ 0 ]
Submitted by:	Steve 40 year-old :: Male Reviewer :: San Diego

Date Submitted:	June 29, 2010
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 a scam i have read many complaints about access america and i just want to add to the chorus. my mother (90 years old) has cancer; we bought tickets to take care of her for a month; she got worse and began to cry when we said we were leaving (after being here a month) so we cancelled our flight and bought a later ticket. there was nothing in the short description when we bought this insurance that mentioned pre-existing conditions for someone who is not flying. instead the impression was that it provided "peace of mind" and was good for cancellations period. later when talking to them i find out that the pre-existing condition also refers to family members who did not purchase tickets. by the letter of the law they are right, but by all that's moral and reasonable and by the initial understanding of someone buying insurance on line there is nothing to indicate that it would be so difficult to obtain any kind of refund. I'll never buy this insurance again nor tickets from jet blue that associated its name with access america and which led me to believe this was a legitimate rather than a rip off company Comments [ 0 ]
Submitted by:	victor 60 year-old :: Male Reviewer :: new york

Date Submitted:	June 28, 2010
Travel Insurer:	Access America
Coverage:	9 out of 10
Claims:	9 out of 10
Customer Service:	10 out of 10
Cost:	5 out of 10
Recommend:	Yes
Review:	Flexibility was key for us My wife and I were traveling for an international adoption. Our first trip was cancelled, due to a hospitalization of the child we were adopting. The cost of the cancellation was the same as the cost of the travel insurance, so making a claim didn't make sense. We were allowed to cancel our insurance (same day as travel), nothing to fill out. We purchased insurance for our 2nd trip - again, the trip was cancelled. The cost of cancellation was going to be larger, so AA sent us the claim forms quickly. We scheduled a 3rd trip (whcih again was quickly cancelled), finally we were departing on our 4th trip. There ended up being no rescheduling fees, so we wanted to move our existing insurance from trip #2 to trip #4. A call to AA, and we were told we would need to provide our old and new itineraries. There was a need to expedite the process, which AA was able to complete (we were leaving in less than 48 hours). Through all stages, the customer support reps were very friendly, informed, and concerned with making sure that we received the coverage we had purchased. They could have very easily denied our request to change our coverage (since the original trip would have taken place 3 weeks earlier), but they changed our coverage with very few questions. Comments [ 0 ]
Submitted by:	Al-Pal 36 year-old :: Male Reviewer :: St. Paul, MN, USA

Date Submitted:	June 7, 2010
Travel Insurer:	Access America
Coverage:	2 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	2 out of 10
Recommend:	No
Review:	Disappointing service I have reached an age in life where buying trip insurance has seemed to me to be a prudent idea, and I have used AccessAmerica as well as several other companies. In late December 2009 I bought insurance to cover a trip that I was proposing to take in March 2010, to visit friends, but within the US. Then, in an entirely unrelated development, but shortly before my planned departure, my brother underwent back surgery. When his recovery unexpectedly developed serious problems, I of course cancelled my trip to go visit him, and so informed the airline and the insurance company. Unfortunately the complications that set in during his recovery grew worse, and about a week after my cancellation, he died in the hospital. Shortly thereafter I put in a claim to seek a refund of my air fare -- the only expense I had incurred. After several months, howevr, AccessAmerica denied the claim, on the grounds that the problem that had led to his surgery was considered a "pre-existing condition." In a sense that was true, for his back problems had begun several years earlier. Still, the decision made by the doctors to have him undergo surgery was made well after my purchase of the insurance. Comments [ 1 ]
Submitted by:	Clifford 79 year-old :: Male Reviewer :: New Haven, VT

Date Submitted:	June 3, 2010
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...Coverage was worthless I purchased Access America travel insurance because I am in the military and there was alight chance that my deployment date would conflict with my travel dates. Unfortunatley the dates did conflict so I was forced to cancel my vacation and travel plans. After I provided documentation from my Commanding Officer stating the change in our operational schedule and my travel itenerary as requested, Access America determined that my claim was not a valid. I must have travel insurance confused with something else, but I thought it was suppose to cover you in the event you experience changes in your life that you have know control over. Comments [ 0 ]
Submitted by:	Access America is Worthless 30 year-old :: Male Reviewer :: San Diego

Date Submitted:	June 2, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	1 out of 10
Recommend:	No
Review:	Worthless-they don't have your back! I had purchased my tickets to Guinea, West Africa 5 months before departure. One month prior to departure the U.S. State Dept issued a warning strongly advising Americans not travel due to civil unrest. My month tour in Guinea was canceled as it was terribly unsafe. Did Access America care? Umm don't think so. They wanted nothing to do with me, and offered zero help. I tried multiple times- total waste of money, watch out! Now with the Icelandic Ash problem, I bet they cover nothing. Comments [ 0 ]
Submitted by:	love2travel 49 year-old :: Female Reviewer :: Northern California

Date Submitted:	May 18, 2010
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:	I would not recommend them to travel up the street This is the WORST insurance company that I have ever had the pleasure of dealing with. They take your money $250 then don't want to help you and then act like they have NOt CLUE what's going on! I do NOT recommend them to anyone Comments [ 1 ]
Submitted by:	Lisa 29 year-old :: Female Reviewer :: Maryland

Date Submitted:	May 17, 2010
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:	Why buy what the airlines give you for free After trying to get a claim taken care off I was put on hold for 15-20 only to be told that they could not do anything for me. I called the airlines and as it turns out all carriers offer the exact same protection for free on all of their tickets. Quite a scam, but you can supposedly get your money back within ten days of buying the insurance. Comments [ 1 ]
Submitted by:	D 80 year-old :: Male Reviewer :: Earth

Date Submitted:	May 9, 2010
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:	Total waste of money and time I bought this insurance when I purchased my ticket. I ended up in the hospital and unable to fly. I filed a claim and called the company. No response at all. Nothing. No email, no call back. They are not even make it on the U.S. Travel Insurance's "Good Standing" list. Not on any of their lists. They are a scam. The airlines should be ashamed to list them on their websites. (AA) Comments [ 0 ]
Submitted by:	Jackie 40 year-old :: Female Reviewer :: Jacksonville, FL

Date Submitted:	May 4, 2010
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:	Covers Nothing Our return flight on a Friday morning was cancelled due to weather. But the airport was not closed for a full 24 hours, so Access America doesn't pay. I couldn't get back home until the next WEDNESDAY, even after spending $$$ to take a bus to a larger airport to try to get home quicker. This is a riduculous waste of money. Comments [ 0 ]
Submitted by:	Access DENIED 44 year-old :: Male Reviewer :: San Antonio

Date Submitted:	April 27, 2010
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:	Access America Don't Buy It. The worst expierence I ever had with an insurance company. My spouse fell and severely sprained her ankle at the begining of a 21 day vacation, we incurred a lot of medical bills and a complete trip interruption... They lost the claim....then found it....then reviewed it...offered a small refund....promised it would be in the mail...then no check.... subsequent phone calls later...they rejected my claims. The reviewer Scott Jones was professional, but just a complete crock of sh@#. 8 months later no reimbursement for medical expenses, oh thats another department. Do not buy it!!!!!! Comments [ 0 ]
Submitted by:	Dr. Bob 49 year-old :: Male Reviewer :: Tarrytown, NY

Date Submitted:	April 7, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	1 out of 10
Recommend:	No
Review:	Poor response, claim rejected My trip was delayed by a day, and my bags were delayed by two days. I submitted the airline documentation and asked for the baggage delay reimbursement (a measly $200), because I had to buy clothes to go to work. Then they asked for receipts for all my purchases a month after I filed the claim. Of course, me, being already late to work without clothes and all, hadn't saved them. I sent an email explaining this and got a reply after another month rejecting the claim (of course). Comments [ 0 ]
Submitted by:	Nobags 25 year-old :: Male Reviewer :: USA

Date Submitted:	April 1, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	3 out of 10
Cost:	2 out of 10
Recommend:	No
Review:	Don't Waste Your Time My complain is much the same as all the others shown in the reviews. My claims were denied because of their pre-existing condition out. If you have a family member with a terminal disease and you plan to buy travel insurance just in case you might need to cancel a trip and hope to get a refund, don't count on Access America. I worked with them for 4 months going back and forth as to whether they received all the information or not. They seem to have a major time delay getting all the documents processed through their imaging system. Then after talking to most of their representatives, I finally convinced them that all documents had been sent only to find out that the claim was denied! Comments [ 0 ]
Submitted by:	dissastified customer 56 year-old :: Male Reviewer :: Memphis

Date Submitted:	April 1, 2010
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:	waist of money This is a waist of money. I would never, ever get coverage with them. Our trip was delayed and the luggage was lost.and they did not cover anything...they asked for documentation from the airline when I already send all the original tickets and the claim file with the company. Again a big , big waist of money! Comments [ 0 ]
Submitted by:	MC 30 year-old :: Female Reviewer :: VA

Date Submitted:	March 24, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	1 out of 10
Cost:	9 out of 10
Recommend:	No
Review:	DO NOT BUY THIS WORTHLESS INSURANCE Google search Access America complaints. My complaint is repeated there many times. My Mother was dying and I had to take an earlier flight thinking the other flight would be covered by the insurance but they said since my mother was in the hospital and then went into hospice it was a pre-existing condition Comments [ 0 ]
Submitted by:	Pvayder 46 year-old :: Female Reviewer :: Minneapolis

Date Submitted:	March 12, 2010
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:	Don't buy this!!!!! I had to cancel a plane flight in February because my 79-year-old mother got hepatitis. Gathered all the forms and sent a claim to Access America. When I called a week later, the runaround began. They're swamped with claims, call back in a week, try again in a week, no adjusters are available right now, your claim just isn't here and we don't know why. The excuses go on and on and on. It's been a month, I've submitted the claim twice, and I have yet to even get assigned a claim number. Comments [ 0 ]
Submitted by:	Lydia 48 year-old :: Female Reviewer :: Casa, AR

Date Submitted:	February 25, 2010
Travel Insurer:	Access America
Coverage:	6 out of 10
Claims:	3 out of 10
Customer Service:	5 out of 10
Cost:	8 out of 10
Recommend:	No
Review:	takes threats to collect My husband and I purchased tickets and ins for a trip to Macedonia to visit friends working there. Several days later, the friend was diagnosed with breast cancer, evacuated to London and then home for surgery and treatment. He also left his job. We filed for reimbursement after reading the policy "when a friend or family member becomes unable to host you". They requested so much documentation it was embarrassing for us to keep asking our friends. Finally our local insurance man, said "just cc a letter to the Oregon (our state of residence) Insurance Commission and you'll get results". And voila, a couple of weeks later we had 2 checks in the mail for the total amt of our 2 tickets. Try it! Comments [ 0 ]
Submitted by:	kathy 63 year-old :: Female Reviewer :: north bend, Oregon

Date Submitted:	February 11, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	2 out of 10
Customer Service:	1 out of 10
Cost:	2 out of 10
Recommend:	No
Review:	Don't believe what they tell you!!! My husband and I were on a trip out of the country and we purchased access america for our travel protection insurance. We received a call from our son telling us our daughter-in-law was in the hospital and in surgery. It should have been a 2 hour but was already 7 hrs. He called back shortly and said she had stage IV cancer and he needed us there asap. He was crying so hard it was hard to comprehend it all. We were in a small country that has 3 airlines with one flight out and one in each day. We tried all airlines and the only one we could get out the next day was first class to dallas and coach on to our destination. We had to get out. It ended up that I was at our sons for two months caring for my daughter-in-law while my son worked. I called Access America while I was there and they said all I needed was a doctors letter that we were needed there. I talked to her doctor and that was no problem. However due to her illness I was unable to start the claim until 5 months later and had to leave again before finishing the paperwork. My daughter-in-law died 2 months later. I stayed with our son for some time. All total in 8 months I was home for 3 weeks. When I finally filled out the paper work, attached my doctor's letter and sent it in it was 4 months after she died. We were with our soon for the holidays when I got a call from Access America saying they would not pay for our airfare from the little country to our son's home (that was all we were asking for) because I didn't have enough documentation that I was needed there. I asked if a picture of the headstone would meet their requirements. She was rude and didn't care. DON'T BUY THIS INSURANCE THEY DO NOT LIVE UP TO WHAT THEY TELL YOU!! Comments [ 0 ]
Submitted by:	Sad and angry! 56 year-old :: Female Reviewer :: Colorado Springs

Date Submitted:	February 6, 2010
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:	I Bought What? The worst part about Access America, in my opinion, is that their coverage for Trip Protector is added on to any ticket purchased on Orbitz if you don't uncheck the box. Of course it is a very crowded site, with many options to check, and apparently uncheck. Why should I have to uncheck something I don't want to pay for? I even looked for the box this time, and didn't see it. I only found out I was being charged after check out, on my receipt. Then, of course, one has to call Orbitz and be transferred to Access America to cancel something you never wanted in the first place. I'm sure most people just go through and pay and don't notice, and Access America and Orbitz split up your $39. It should be illegal to have any box prechecked on any e commerce site. Comments [ 0 ]
Submitted by:	MC 47 year-old :: Male Reviewer :: Brooklyn

Date Submitted:	February 5, 2010
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:	COMPLETE SCAM I purchase travel insurance from Access America along with my airline ticket — a few weeks later my father was diagnosed with lung cancer. I sent the company a letter from my father’s oncologist — clearly stated when he was diagnosed well AFTER the tickets had been purchased. Ironically, all other family members — who DID NOT purchase insurance have been able to refund their airline tickets. I would have been better off not buying insurance. When I googled “Access America” and scam or fraud… several stories popped up. I was wondering what other people’s experience has been with Access America or any other travel insurance company, for that matter. Please investigate for yourself before purchasing. Comments [ 0 ]
Submitted by:	Julie 34 year-old :: Female Reviewer :: Riverside

Date Submitted:	January 6, 2010
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	2 out of 10
Cost:	1 out of 10
Recommend:	No
Review:	BIG SCAM COMPANY I bought the insurance while printing my e-ticket, I got sick on the checking line and couldn't take my plane. I file a claim and they refused to pay because the food poison that I got was consider "pre-existence" how in the world something your eat early can be consider "pre existence" I appealed but it was a waste of time. The email answered for my appeal was cold, rude and hopeless... They just want your money, they told me in a few words appeal all you want, complain to any agency you want... we will not reverse our decision. DO NOt BUY FROM THEM. Comments [ 0 ]
Submitted by:	The Teacher 51 year-old :: Female Reviewer :: Magnolia

Date Submitted:	January 4, 2010
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:	Had I only read the other complaints before I boug Its a shame that I have to read about these sort of posts AFTER, and not before, I opted to purchase insurance from Access America. I just received a letter stating that my "insurance plan does not provide coverage for Existing medical conditions." To be clear, Delta, the airline that I purchased my ticket from, tarnishes its reputation by associating themselves through their partnership with a company that engages in this sort of scam. Comments [ 0 ]
Submitted by:	Tutti 63 year-old :: Female Reviewer :: Bethesda, MD

Date Submitted:	October 27, 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:	People beware Access America is a cynical fraud I purchased three airline tickets, including one for my mother, back in March for a flight in September and paid for travel insurance from Access America offered through Orbitz. I wish I hadn't. It would save me money, time, and headache. Apparently, AA doesn't recognise death proved by the death certificate as a ligitimate excuse to cancel your flight. AA sent a three-page questionary to my mom. I called, explained she's dead and there's no way the stupid paperwork can be filled out. Well, two month later my mom receives another letter from AA. They write, Dear, my mom's name, since we have not received the supporting information to your claim. Your claim has been closed. Please feel free to contact us with any questions.... Well, that would be difficult to do for a person whose body was cremated three month ago. I feel like Access America pooped on my front porch and then knocked at the door to ask for toilet paper. Access America is cynical fraud! People beware, don't give your money to crooks. Comments [ 0 ]
Submitted by:	Leo 53 year-old :: Male Reviewer :: MA

Date Submitted:	October 11, 2009
Travel Insurer:	Access America
Coverage:	10 out of 10
Claims:	10 out of 10
Customer Service:	10 out of 10
Cost:	10 out of 10
Recommend:	Yes
Review:	i thought they were great i purchased insurance and had to cancel my trip due to a pre-existing condition. however, i read my policy when purchased and was aware that was not covered, i did call to double check and the young man i spoke with was very polite and knowledgeable. it appears that a lot people do not read their policies. i also took advantage of reading the policy online when i purchased from the airline. they do say limitations apply. as far as im aware there has been no reason to accuse of fraud. i also checked the BBB website, nothing bad on there. if they are such a bad company why no reports on BBB?? i have reported a complaint about another business and it was valid and BBB posted it. so it would appear no complaints are valid on the BBB website which should tell people something. maybe the problem is not with Access America but people who assume or do not read their policies. just because YOU want a claim paid does not mean it should be. i saw so much negative and wanted to put my good experience in. we are also only able to hear one side of the story on here which i dont really like. you have no way of knowing what is really going on or what really happened. Comments [ 1 ]
Submitted by:	mary sue 66 year-old :: Female Reviewer :: sc

Date Submitted:	October 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:	buyer beware! I recently purchased a trip to Paris, France for my birthday, and bought trip insurance through Access America. My brother sent me an email three days later telling me that my mom's health was in serious trouble...the following week, she was diagnosed with metastatic pancreatic cancer. I cancelled the trip and went home to look after her, as I only had one week's vacation time, and money for one trip...I ended up also taking a leave of absence from work. My claim was denied...they said my mother had a pre existing condition. I didn't know my mom was sick, she didn't know she was terminally ill until after this trip was booked. My mom died peacefully the beginning of August with all of her children at her bedside. Access America unjustly and unfairly denied my claim. Comments [ 0 ]
Submitted by:	mary burgess 53 year-old :: Female Reviewer :: austin, texas

Date Submitted:	September 22, 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:	Access America is Fraud We purchased this "insurance" through JetBlue last May when we bought tickets to travel to Washington D.C. for August. In early July, my wife suddenly started having headaches and a CT scan found a mass. To make a long story short, she had an emergency craniotomy and a diagnosis of brain cancer. Of all the things to deal with I went about cancelling the trip. Since we had the insurance I figured it would be no problem. I filed the claim and received some forms back. I filled them out includinga letter from her doctors and the hospital explaining the situation. Bottom line is that the claim simply keeps getting rejected for lacking some small piece of information (how much do they seriously need to know?). Now they say that we need to PROVE that a craniotomy to remove a malignant brain tumor was an "emergency" and not a planned operation. Seriously? This company's M.O. is to simply deny, deny, deny until the suckers give up and go away. To their credit, JetBlue reimbursed us directly for the cost of the tickets when I contacted them to complain about the treatment their partner gave us. I simply gave up trying to get anything from Access America. Save your money, these guys are useless. Comments [ 0 ]
Submitted by:	Steve 40 year-old :: Male Reviewer :: Sacramento, CA

Date Submitted:	September 20, 2009
Travel Insurer:	Access America
Coverage:	10 out of 10
Claims:	10 out of 10
Customer Service:	10 out of 10
Cost:	10 out of 10
Recommend:	Yes
Review:	access america rocks!!!! i have been reading a lot of reviews of this co. so many people post bad stuff nowadays. when you read these reviews, people are mad b/c they DID NOT READ THEIR POLICY, ASSUMED EVERYTHING WOULD BE COVERED, THEN COMPLAINS WHEN THEY DO NOT GET PAYMENT!! and you only here their side of the story. alot of the policies are only 13ish dollars, b/c due to emergencies, etc. when a change fee is $ 150+ what do you think you can cancel for a $13 policy, for any reason, no!! dont be delusioninal. my claim was paid, no problem. and the service was wonderful, everyone i spoke with a delight and i will recommend them to everyone i know. Comments [ 0 ]
Submitted by:	linda 22 year-old :: Female Reviewer :: va

Date Submitted:	September 18, 2009
Travel Insurer:	Access America
Coverage:	10 out of 10
Claims:	10 out of 10
Customer Service:	10 out of 10
Cost:	10 out of 10
Recommend:	Yes
Review:	Be an informed consumer I notice most of the reviews do not have any details and therefore cannot be taken seriously. Some are obviously ill informed on what they purchased. As to pre existing conditions they have very plain language of what this means and a specific policy to include this for coverage, as do all insurance providers, if purchased when trip is deposited or a few days after. Online sites do not normally give you this option. Never buy any trip or insurance coverage unless you are speaking directly to a professionsl travel planner and NOT online or if you are talking to an "order taker" at a call center. Comments [ 0 ]
Submitted by:	Ernie 62 year-old :: Male Reviewer :: Dallas

Date Submitted:	September 2, 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:	HUGE FRAUD!! Don't bother, this is the WORST, tackiest, most unprofessional "insurance" company I've ever encountered. Their reviews are horrible & seemingly all claims are denied no matter the reason. Why offer or buy insurance? I'll NEVER use them again & will tell everyone I know my story & advise how unprofessional and what a rip off they are including contacting big travel companies and airlines NOT to promote them. This is important to all of you out there complaining about AccessAmerica! Don't hesitate to also notify Consumer Services, BBB, etc. about your situation with them. H U G E F R A U D!!!!!!!!!!! Comments [ 2 ]
Submitted by:	KS 52 year-old :: Female Reviewer :: So Calif

Date Submitted:	September 1, 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:	waste of $ next time you but a travel ticket, don't bother with travel insurance from access america. they WILL not reimburse you period. complaints to gov. agencies-waste of time. they don't care. the only remedy-don't buy it. Comments [ 0 ]
Submitted by:	wiserbill 64 year-old :: Male Reviewer :: l.a.

Date Submitted:	August 28, 2009
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	1 out of 10
Cost:	6 out of 10
Recommend:	No
Review:	what a waste of money FRAUD I was dumb twice throw your money away in the trash can it wont make you feel as bad as access america Comments [ 0 ]
Submitted by:	RC TRAVEL 36 year-old :: Male Reviewer :: SAN FRAN

Date Submitted:	August 14, 2009
Travel Insurer:	Access America
Coverage:	9 out of 10
Claims:	9 out of 10
Customer Service:	9 out of 10
Cost:	10 out of 10
Recommend:	Yes
Review:	Was paid immediately I took ins for the first time just for the airline ticket thru US Air. I was going to a seminar in Dallas and two days before I was to leave I began with fever and chills. I went to the Dr. who prescribe antibiotics for two infections and said it would be wise if I didn't travel. I called Access America who emailed me the forms to be filled by myself and the Dr. I sent them off and within a week was reimburseed for the ticket. I had no communication with the company except thru email and was even able to check the status of the claim everyday. I don't know why there are so many bad reviews but I thought I'd add this in support of them. Comments [ 0 ]
Submitted by:	Sammy 55 year-old :: Female Reviewer :: US Arizona

Date Submitted:	July 17, 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:	Fraud I booked a trip to Italy this past May. My father who has a history of lung cancer developed pneumonia and died. He was working and functioning up to the week of his death. He had had cancer for nearly 4 years. They denied the refund of the trip because he died from a "pre-existing" condition. How can there be a pre-existing condition to death? This means that no matter what a person dies of, unless he was hit by a bus, there will be no coverage. Worse than that is that the plain language of their contract does not exclude death as they claim, but to prove this I would have to spend thousands to sue them. They are just ignoring their own contractual obligation to pay and getting away with it. I will never use Orbitz again!!!!!!!!!!!!!! Comments [ 0 ]
Submitted by:	piovra 36 year-old :: Male Reviewer :: new yori

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 [ 1 ]
Submitted by:	Eric 35 year-old :: Male Reviewer :: New York

Date Submitted:	April 29, 2009
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	1 out of 10
Customer Service:	4 out of 10
Cost:	4 out of 10
Recommend:	No
Review:	Good Luck Wife is 7 months pregnant. Doctor said two weeks ago she is ok to fly. Today swine flu was raised to phase 5 and she was diagnosed with diabetes so Doc now says no way to travel. Not to mention we were going to El Paso 15 minutes away from Mexico. Access America is fighting us every step of the way to get our money back. Comments [ 0 ]
Submitted by:	bungeeguy 26 year-old :: Male Reviewer :: Huntsville

Date Submitted:	April 22, 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:	BOGUS I AM COMPLETELY AND UTTERLY DISGUSTED WITH THIS SORRY EXCUSE FOR AN INSURANCE COMPANY AND THEIR INSENSITIVITY TO ANY GIVEN SITUATION. Access America would not accept my claim because they did not know the cause of death. After explaining the cause to the representative they still needed an incalculable amount of details, all of which were hard for me to deal with and given the situation I thought it was not worth it. To me I was better off forgetting the $2000.00 reimbursement. This is the maximum amount of reimbursement they would give me, even though my travel expenses were nowhere NEAR this amount. I spend more than $2000.00 traveling with my family every time, given I have a very large family. My sister had passed away at the age of 49. Nobody expected her to die. As painful as this was, dealing with this poor excuse for an insurance company was more painful. This hit my family hard and the fact that this company kept prying and wanting more details is simply sickening. It was not enough that I sent them the death certificate, they still needed more. Their needs are insatiable and they look for reasons, whatever they may be, not to pay your claim. I will never use their services again and I DO NOT recommend anybody else does. I spoke to multiple representatives. They were very rude and extremely insensitive. No matter how many travel invoices I sent them it wasn't enough. Comments [ 0 ]
Submitted by:	Maribel 45 year-old :: Female Reviewer :: USA

Date Submitted:	March 20, 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:	No Coverage I bought this insurance and it covered nothing. Lost bags and they covered nothing. KLM flew me in to Dubai instead of Abu Dhabi. They told me they would have ground transportation waiting for me but I had to find my own. I have sent copies of everything you can imagine and they say the receipt for the cab is not good enough and that my policy does not cover lost luggage. The policy they sent me makes it appear that it covers everything. This is a insurance scam in my eyes. They collect premiums but dont pay claims. Save your money or buy from someone else. Comments [ 1 ]
Submitted by:	Joe 37 year-old :: Male Reviewer :: Michigan

Date Submitted:	February 28, 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:	Horrible service!!! I bought travel insurance from them. then my mother went into the hospital and I had to cancel. I have sent in the right forms, and called several times. They say they will call back but haven't. They said it would be determined by 2/24, but that date has come and gone. This company is a rip-off. I just spent money insuring another trip, what a waste. Comments [ 0 ]
Submitted by:	Traveler 59 year-old :: Female Reviewer :: Michigan

Date Submitted:	February 4, 2009
Travel Insurer:	Access America
Coverage:	1 out of 10
Claims:	2 out of 10
Customer Service:	3 out of 10
Cost:	5 out of 10
Recommend:	No
Review:	do not use access america my home flooded on day of travel, had to change plans and when the company was provided with the requested documents, they did not believe me, and even when provided with a photograph of the damage to my home refused to reimburse me. Spent hours arguing with them. horrible, do not use. Comments [ 1 ]
Submitted by:	fostee 26 year-old :: Male Reviewer :: Atlanta, GA

Date Submitted:	January 9, 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 Access America is a complete scam. DO NOT ever buy this insurance. Tell all of your friends to stay away. It is the biggest rip off. Comments [ 0 ]
Submitted by:	Bill 51 year-old :: Male Reviewer :: Cleveland, Ohio

Date Submitted:	November 13, 2008
Travel Insurer:	Access America
Coverage:	10 out of 10
Claims:	10 out of 10
Customer Service:	10 out of 10
Cost:	10 out of 10
Recommend:	Yes
Review:	Access America I had a death in the family quite sudden and had to cancel a trip to Chile. I had Access America travel insurance and they covered the whole claim. Smooth as butta and very professional. I will use their services again. Comments [ 0 ]
Submitted by:	Carl 54 year-old :: Male Reviewer :: Westchester County

Date Submitted:	October 22, 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 scam we cancelled trip due to job loss worked in job for 1 year they said they would only cover job loss if u worked there for more than 3 years , this is complete scam they just want to take u r money and not cover anything Comments [ 1 ]
Submitted by:	john 30 year-old :: Male Reviewer :: chicago

<< Previous 1 2 Next >>

Related Sites & Information
Auto Insurance Reviews Health Insurance Reviews Airline Reviews	Pet Insurance Reviews Dental Insurance Reviews Cruise Reviews

Travel Insurance Reviewergreat free widgetsWidgetbox