Rip off insurance company when you need… Rip off insurance company when you need to make a claim that do t pay!!!n

What a poor use of technology in the 21st century. Lack of response is awful! For Pete's sake - this is NOT 1980 - I shouldn't have to write out every single lost item in my luggage by hand instead of simply uploading an excel spreadsheet with all the required info. And a receipt for every single thing lost in my luggage? Every pair of underwear, comb, brush and bar of soap? So the airlines will only cover a small portion and they require original receipts. And then the "great insurance" only covers a small portion but they want the same original receipts. Obviously I am going to get the short end of the stick. Also there is a long list of things that are covered in the policy, but when you try to file a claim, there is no form on the website for all the things they supposedly cover. Where's the missed cruise connection claim form? Where's the travel delay form? How about the claim for missed pre-paid shore excursions? I was told that if we email with questions we would get a response in 48 hours. NOT! And really, am I the only unhappy customer? All the reviews are so positive. Find that just a little hard to believe.

claim denial While on a transatlantic cruise, I developed an infection in my gum, with severe pain and a swollen face. Ship's doctor gave me an antibiotic and made an appointment at our first port of call, the Azores. After x-rays and an exam, the dentist shot novacain in the area and drained the infection. She also gave me an antibiotic mouth wash. Insure and Go denied my claim because I already had periodontal disease (I have never had any problems) but we had paid for pre-existing conditions. The policy also stated that in order to be reimbursed, there had to be an accident, injury or trauma to my teeth or mouth. I feel that because I had an infection, was in pain, the side of my face was swollen the cost should be covered. I will not use Insure and Go again. Other policies that we have used would have covered up to $500 for the same problem!

Insurance did not pay the claim After speaking to the insurance's local representative and filing the proper paperwork, the claim has still not been paid and it is 5 months later already.

contract needs more clarity! I broke a tooth on a river cruise and went to an emergency dentist who did what he could for me, but said I would have to go to the dentist when I got home. He charged a small amount of money to grind my tooth down to keep from biting my tongue every time I spoke, but I needed a crown would have to come back to France to have it finished. I went to the dentist at home, got the crown, and submitted tons of paperwork to InsureandGo. They paid $30.00 for the dentist in France and nothing for the dentist here. It cost me $24.00 to copy all the pages of information and send them the whole report via certified mail. I was told by their rep, when I was in France that it would be completely covered, but when I returned home, they denied it. They were also supposed to get me an appointment with a dentist in France, but the ship wound up doing it because they never called back.