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.

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!

Duplicitous Outfit A fine insurance company so long as you never need to make a claim. We had a day's delay due to a Ryanair strike, which insureandgo declined stating that the strike was announced in advance. Of course no strike had been announced in advance on the route we were travelling, or we wouldn't have turned up at the airport along with the other 500 passengers travelling Ryanair on the two departing flights. This company has a policy of denying claims, it would seem.

Still have yet to receive $1000s of dollars for refund!!!! I have not received any of my refund money because of there was a cancellation of one of my flights on the way to Infoa. Then, I had to get another flight to Kathmandu and when I was in Nepal, the earthquake hit. I had to emergency evacuate which I spent a few thousands of dollars. No one replies to my numerous emails or calls!! I would NEVER spend any money on them again!!! Never buy!!!!!!!

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.