Complaint Review: Travel Insured International Inc. - East Hartford Connecticut

Let me first say I never review anything, I just don't have the time. However, if this helps someone from making a decision about choosing Travel Insured International it was worth my time. Crucon the cruises agent sold me the policy and it was quick and easy, and that was the only thing that was. Insurance is something you buy and hope to never use but when you need it, you hope it is there. Here is the short story, my wife and I took a last minute cruise out of New York. On the second night of a seven day cruise we got a call in our cabin, my wife's father died. We immediately went to the ships front desk to arrange to get a flight back New York when we docked. The only problem was that had about 30 hours before we docked in Bermuda. The cruise ship personnel were great and helped with all the paper work and got us off the ship as soon as they could. The bottom line is we got to the airport and got home.

Here is where the problem with Travel Insured International began. Even though I was not thinking about it I called then as soon as we got back to New York as required in the policy. They told me they were going to open a case and send me an email with the forms. After a week I gathered all the documents that were requested in the e-mail and sent it to them. After a few week of no response they told me they did not get them. I informed them I sent them via certified first class mail; I was told they would get back to me. Another week goes by and I had to call them, still they said a claim adjusted would call me. So believe it or not I waited another week and called them, this time demanded an answer. This time I was promised a claim adjusted would call me back within 24 hours. Well he did, but informed me he did not have all the papers that were required.  I put the packet together and sent what he was asking for so I finally realized the game they were playing.  The adjusted sensed my anger and reluctantly agreed to accept the papers via fax. Well, I faxed them over and waited; only after a few days did I once again pick up the phone, to wait another couple of day to get a returned call. The adjuster questioned almost every claim and said he would check with the travel agent for the discrepancies.

Here was the outcome; they reimbursed me for 4 of the 7 days of the cruise, so the morning we left the ship was a vacation day. They paid for the flight from Bermuda to New York and that was it. They would not pay for the taxis to and from the airport. It was my fault that I did not get a receipt, but getting home ASAP was the only thing on my mind. When I questioned them, they understood there was no way to get to the other side of Bermuda with luggage and had no doubt I took a taxi. We are only talking about 80 dollars, but they have a policy! Also they covered nothing else that had to do with the emergency, like cruise ship phone calls. Unfortunately these calls can be very expensive, but had to be made

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The Bottom line is this, Travel Insured uses all kinds of tactics not to pay legitimate claims. They use all the tricks in the book and if I was not so persistent I would have gotten nothing. I think they count on people giving up and not fighting. Then they do everything not to pay a fair amount. My advise is there are other companies out there, try and find one that does not make filing an insurance claim a second job.