Read all 74 reviews for this company

1. Overall Rating

   Not Rated

   larry harpoer | Nov 24, 2008

   THIS COMPANY IS A FRAUD. HAD UN-EXPECTED MAJOR BACK SURGERY 3 DAYS PRIOR TO TRIP & THEY REJECTED CLAIM BECAUSE I HAD SEEN THE DOCTOR BEFORE. THEY CLAIMED …PRE-EXISTING CONDITION.

   ACCESS AMERICA…B I G F R A U D

2. Overall Rating

   Not Rated

   Jeff Davidson | Dec 17, 2008

   I submitted a claim for reimbursement for airline tickets that were unused due to my Mother’s death–they asked for a death certificate, the same certificate that has been give to Social Security, banks, etc.–they would not accept because the certifying physician did not list “the onset to death” on the certificate–therefore they will not pay. I told them that I WOULD NOT go back to the physician for this as it is rediculous and painful for me to even deal with–they said they would not pay the $400 claim without it.
   Shameful–the company is a fraud!

3. Overall Rating

   deepa | Feb 27, 2009

   I have sold quite a few policies with them so i can tell you that if you ever have a client with a claim, they just turn it down. They absolutely refuse and will give you a different reason everytime you speak with a different rep. Dont buy. They should be reported to Insurance fraud department.

4. Overall Rating

   valerie joseph | Mar 2, 2009

   they are leaches!!! just as the other items below, they denied my claim because of a previous condition! my mother died a little over a month ago. she was receiving treatment for leukemia and was getting beaten up by the chemo but, all her vitals were stable and she was hanging tough. i had purchased a ticket to go see her on january 19th for the following month and was looking forward to my visit. unfortunately, i got a call from my family 2 days later to get home immediately as she took a major turn for the worse. they said because the death certificate said she had certain symptoms before she died that it was pre-existing and couldn’t pay out. then they started asking for all sorts of other info about her doctors and who they might contact making it seem like they gave a crap. like i’m going to lie about my mother’s death!! i will NEVER use their service again, even if it costs me thousands of dollars in future airfare. they are leaches!!!

5. Overall Rating

   STEPHEN CALVERT | Mar 4, 2009

   My claim was denied. The adjuster determined that the fact that we were in the worst natural disater in our state’s history (ice Storm) and our home was without power, heat, water and I had to run a generator to protect our food etc., that this fact did not make my home “uninhabitable” as defined in the policy.

6. Overall Rating

   Not Rated

   jen | Mar 15, 2009

   AWFUL!!!! My dad was diagnosed with Stage 4 cancer a month after we booked our trip and it took MONTHS of phone calls and documents for us to reclaim the money, just shortly before he passed away. The customer “service” was horrendous. I WILL NEVER EVER EVER use this company again.

7. Overall Rating

   DL | Mar 25, 2009

   DO NOT DO BUSINESS WITH THIS SLIME COMPANY!!

   I HAD PURCHASED TICKETS FOR MY SON AND TWO COUSINS. MY SON’S WIFE DEVELOPED A MEDICAL CONDITION THAT FORCED THEM TO CANCEL THEIR TRIP. I PAID FOR BOTH THE TICKETS, AND THE INSURANCE WITH A CREDIT CARD. AFTER JUMPING THROUGH MORE HOOPS THAN A CIRCUS CLOWN, THEY FINALLY ISSUED REFUND CHECKS. NOT TO ME BUT, TO THE PEOPLE WHO I PURCHASED THE TICKETS FOR.

   SINCE TWO OF THE PEOPLE WHO HAD TICKETS HAVE MOVED ON AND WE HAVE NO IDEA WHERE THEY ARE, I CALLED AND ASKED FOR A CHECK TO BE WRITTEN IN MY NAME SINCE I AM THE ONE WHO PAID FOR THE TICKETS AND THE INSURANCE. THEY REFUSED. SO THE CHECKS I RECEIVED ARE WORTHLESS.

8. Overall Rating

   Tamara Janssens | Mar 28, 2009

   I find this company to be bogus. I thought I would try them again after my mother told me how difficult they are to deal with. She was completely right. They do not cover pre existing conditions. I asked the advisor numerous times about this and she said this will cover it. Now that I filed a claim, they do not cover the pre existing condtion.

9. Overall Rating

   Jim Zorn | Mar 30, 2009

   Very Poor! Supplied all the information they requested and they sent me a statement via U.S. Mail saying that I didn’t supply the required information and they subsequently closed my account. DO NOT get this service because it’s a SCAM!

10. Overall Rating

    Not Rated

    Dennis B | Apr 6, 2009

    I have been in the travel business for 17 years now and using Access America since 2001 when I heard about them. I have only had 1 claim denied because the guest lied about their pre-existing condition. All our clients get a 10 day look at the policy and can cancel with a full full refund if they think it doesn’t suit them.
    A $4000.00 trip for seniors in their 80’s is $360.00. Hard to beat and it includes, pre-existing coverage and 1-million in emergency evacuation. Hard to beat.

11. Overall Rating

    Robert Flindell | Apr 13, 2009

    I booked my daughter’s holiday visit thru Orbitz who use Access America as their supplier of trip insurance.

    My daughter’s Boxing Day flight out of Victoria to Vancouver was canceled due to a snow storm. Air Canada’s first available rebooking was 5 days later and it required an extra day layover in San Salvador so we were looking at a 6 day interruption on a 16 day vacation. I went online and found flights for the next day on American Airlines thru Seattle. We had trip interruption & cancellation insurance so they would cover us for the difference right? Well I got my daughter to call Access America to double check (I couldn’t call because Access America doesn’t accept collect calls from Belize) and they told her “no problem”. I booked the flights & got my daughter to cancel the rebooks. I also went to Access America’s website & initiated a travel claim.

    The net cost to us for the flight changes totaled $536US but Access America is refusing to pay. In the fine print of their insurance policy under cancellations due to weather it states “Your airline, cruise line, or tour operator or travel supplier stops offering all services for at least 24 consecutive hours where you’re departing, arriving or making a connection…”

    So it does not matter that Air Canada couldn’t fly between Victoria & Vancouver for 2 days or they couldn’t get us replacement flights until 5 days later, as long as they could make one flight to Timbuktu, we aren’t getting reimbursed.

    InAccessible America, besides not having a collect number from Belize, have a claims appeal department that appears to be blocking my email and a claims inquiry department that manages to lose email attachments.

12. Overall Rating

    Not Rated

    Maribel | Apr 22, 2009

    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.

13. Overall Rating

    Not Rated

    Ona Turner | May 18, 2009

    I would not recommend this company to anyone.
    I would rate it VERY POOR.
    I was flying home to be with my mother following Major Surgery her surgery date was postponed so I had to reschedule and Access America refuses to pay the flight cost difference because her condition was pre-exisiting.

    I was denied coverage. What a SHAM !!

14. Overall Rating

    Paola Dooly | Jun 4, 2009

    This company is AWEFUL!!!! Don’t touch them with a 10 foot pole! If I could give them a negative 10 rating I would. Very poor company – stay away at ALL costs!!!!!!!

15. Overall Rating

    Doug | Jun 4, 2009

    It appears to me that the policy I bought for a trip does nothing that I could not do myself. Its useless!

16. Overall Rating

    Connie Phillips | Jun 17, 2009

    I am very pleased with Access America Ins. After reading so many reviews regarding re-imberstments, i figure i would not receive a dime back. Every review i read was negative and every one was very unhappy with them. My husband and i took a trip out of the country back in April 09. We had a emergency back home and had to cut our trip short after only being there for 2 days. My father became very ill and had to have emerg surgery. I filed a claim and was re-imbersed almost 2 months to the day. There was some paper work that had to be done but thats to be expected in cases like this. Customer Service was always so polite and friendly each time and very helpful when i called. I cant say a bad word about this insurance co. i guess i can consider myself lucky to receive money back. Thanks Access America.

17. Overall Rating

    Joan W | Jul 6, 2009

    My experience unfortunately mirrors others that have been posted. Access America repeatedly asked for more documents, including a death certificate when no one had died. It seems that the plan is to drag out the process so that the customer gets finally gives up. I have still not gotten payment, months after making the initial claim.

18. Overall Rating

    Not Rated

    Ben | Jul 8, 2009

    Bought the full travel insurance package from these crooks. The day of travel my grandfather lost his battle with parkinson’s and died. Since it was preexisting they denied the claim.

    Two reps gave two different stories about lost paperwork. Death certificate has been emailed twice and faxed once. The rep today said it was preexisting and not covered. He would not answer me when I asked what good is an insurance policy if it doesn’t cover death?

    DO NOT BUY!

19. Overall Rating

    Not Rated

    Kirbiejo | Jul 26, 2009

    I filed a claim with Access America, unfortunately a death in the family (father) due to cancer is seen as a pre-existing medical condition and is NOT covered by them. Please read EVERYTHING – we are out $1700- and their customer service is horrible!

20. Overall Rating

    Not Rated

    Aggie Jones | Jul 28, 2009

    This is the biggest rip off I have ever done business with. It seems to me what ever excuse you have they deny it. My daughter and I and a friend were going to fly Florida for a vacation we made our plane reservations and had to cancel because my daughter got called back to work. She would have lost her job and unemployment if she went on the trip. Guess what the denyed the claim. I think these jack asses would deny any claim no matter what the reason.

21. Overall Rating

    Not Rated

    Tim Tuchscherer | Aug 27, 2009

    My wife purchased rental car insurance through Access America by using Orbitz website; however she had to cancel the travel package. She immediately called Access America to cancel and was told to fax a letter indicating the rental car was also canceled. It’s been three weeks and now they want Orbitz to send them a fax too! If I hadn’t followed-up with Access America I would never have been notified about the additional fax needed. Now, it’s still not over as their customer service rep, Carmin, said the refund may or may not be give as it depends on their Sales Support review of the information sent them. They will not receive anymore of my business that’s for sure! I will challenge my credit card company with this one so Access America will be out my money, my future business and this little bit of bad PR!

22. Overall Rating

    Lorie Lambert | Aug 27, 2009

    This is a SCAM! Easy to use, more accurately easy to purchase. Don’t try to collect on a claim – it is a run around.

    I bought trip insurance for my daughter. Several days before her scheduled departure, my father had a severe and unexpected decline in his health and went from independent living to hospice to death within 6 days. He died the day my daughter was supposed to depart on the trip.

    Access America denied my claim because of my father’s preexisting condition. Since my father has been diagnosed the year prior, and since the reason for my daughter canceling her trip was because her grandfather died, Access America denied the claim.

    DON’T WASTE YOUR MONEY OR YOUR TIME and tell everyone you know!

23. Overall Rating

    Not Rated

    PAG | Aug 31, 2009

    I was thinking of getting travel insurance so I read all the comments listed below. I checked with the Best Business Bureau and there are absolutely no complaints… my suggestion to all is to write an official complaint through the BBB… otherwise things will not change. Here is the information:

    http://www.seflorida.bbb.org/Business-Report/Access-America-Travel-Insurance-11008502

    http://www.trustlink.org/BusinessProfile.aspx?ID=205999048

    Access America Travel Insurance
    Address:
    100 Commerce Drive
    Warwick, RI 33311
    Tel: (401) 773-9300
    Fax:

    Web Site: http://Access America
    Contact: Glen Skalny –
    Business Start Date: N/A
    Company ID: 11008502
    Nature of Business:
    This company’s nature of business is Travel Agent Mills

24. Overall Rating

    Karen S | Sep 2, 2009

    I wish I could give no stars to this piece of crap company, it’s not even worthy of being considered an INSURANCE company. I echo what many others have told which is a shocking, unplanned emergency illness keeping me from departing on a trip and despite completing all their paperwork including medical paperwork signed by my Dr etc. the claim was denied. What a rip off. The denial letter was even so tacky and unprofessional. They didn’t even take the time to properly assess the claim like “normal” Claims Adjusters at normal “Insurance Companies” would do. I think they basically deny any and all claims and are only in business to take our money. I’ll NEVER use them ever again and I will tell everyone I know not to use them plus I will take every opportunity to publicly tell my story and warn others from being sucked into this rip off organization. They should be called DENIAL America, not AccessAmerica! They do nothing but profit themselves. Shame on all the travel companies such as Orbitz or big airlines like Delta for attempting to promote them.

    In your campaigns to do as I am doing don’t forget to notify Consumer Services, BBB and more importantly the big Travel companies or airlines that continue to believe this is an up-standing company.

    ACCESS AMERICA………H U G E F R A U D!!!!

25. Overall Rating

    Not Rated

    Eric | Sep 9, 2009

    Thank you everyone for your reviews. My girlfriend and I were looking to insure our cruise over Thanksgiving and were planning to use AccessAmerica. These reviews convinced us otherwise.

    Typical insurance company: they want the premiums, but do not want to pay claims. Good business model for them, but bad for the customer.

26. Overall Rating

    Not Rated

    Andres | Sep 20, 2009

    Worst customer service. Very rude. They don’t do their due diligence properly. I was laid off, and filled out all of the information in order to obtain my reimbursement. The adjuster was rude always inventing a different excuse. Never saw a dime of the $1,300.00. Please, do not get insurance from this company. They don’t honor their word. I learned the hard way.

27. Overall Rating

    robert giordano | Sep 24, 2009

    Fraud-Liars_Fraud-Liars/What everyone below says, the customer service sucks, they lie to you and have to fill out bogus paperwork. they try and make it hard on you so you will give up. They did not want to give us our money back for 3 months. I sicked our lawyer on them and 5 days later we received the checks. BEWARE FRAUD

28. Overall Rating

    Not Rated

    Robert Blum | Sep 29, 2009

    Read your paperwork and understand that they (or which ever company you pick) are 2nd to your prime USA insurance. Understand your prime insurance also. Make copies of everything… That being said, Access America was fast to respond and provided outstanding service. Make sure you have all of the Bills, Names and Places that provided services to you. Do not wait until you receive the bills in USA before you submit the start of your claim to Access America. It has been 9 months and I am still getting additional bills from Europe. You are responsible for all services that you get; Access America sends the check to you NOT the provider of the service. I will use Access America again. Do NOT travel without some type of secondary insurance.

29. Overall Rating

    Robert Blum | Sep 29, 2009

    UPDATE, MAKE SURE YOU GO THEIR SITE AND PLINT A CLAIM FORM Read your paperwork and understand that they (or which ever company you pick) are 2nd to your prime USA insurance. Understand your prime insurance also. Make copies of everything… That being said, Access America was fast to respond and provided outstanding service. Make sure you have all of the Bills, Names and Places that provided services to you. Do not wait until you receive the bills in USA before you submit the start of your claim to Access America. It has been 9 months and I am still getting additional bills from Europe. You are responsible for all services that you get; Access America sends the check to you NOT the provider of the service. I will use Access America again. Do NOT travel without some type of secondary insurance.

30. Overall Rating

    Not Rated

    Anonymous | Sep 29, 2009

    One thing everyone should remember when purchasing any type of insurance whether, auto, health, home, travel insurance, etc. you are give a policy that when you make the purchase it is almost like signing a contract stating you understand and agree to the terms of the contract. What is different about Access America is that they are open 24 hours a day 7days a week, 365 days a year and that includes Christmas and any holiday in between to speak to a live person who is very knowledgeable to help you. Second, If you have any questions about the insurance or policy you can call them any time before you purchase the policy or after for up to 10 days and if you change your mind they care refund you your premium. There isn’t any other insurance that I know of that will do that for you. Third, the policy may be lengthy and sometimes confusing however their representatives can explain any of the policies to you anytime day or night. Fourth, their company paid out on my claim thousands of dollars and yes I had to send them documentation they requested, but anything they could request from the travel agent or doctor once I completed their HIPPA form they obtain. So, please everyone keep in mind you may hate insurance companies and things may not always work out as plan but if you are paying a low premium for insurance but I’m sure they pay out hundreds of thousands of dollars on claims every day. If you choose to not educate yourself and read and understand a contract or policy you accepted or paid for, you could suffer the consequence which is not having your claim paid. Lastly, what would you do if travel insurance didn’t exist?

31. Overall Rating

    Not Rated

    Linda B. Cane | Sep 29, 2009

    I really believe that the primary basis of an insurance review should be based on “do they pay” when it is needed. So far, my recent experience with Access America is that they do not.

    A friend and I booked a 2 1/2 week trip to Provence, which involved 2 flights and a villa rental. We insured with Access America 1 day before their “pre-existing condition” clause took effect. Less than 2 months before the trip, my friends 92 year old mother died. We could have still traveled, but her 96-year old father was very lost and depressed. His doctor advised my friend not to leave her father at that time. My friend had booked 1st class, and the airline company refunded her whole fare immediately. We filed the appropriate forms, including one from her father’s doctor, and the information on the villa rental deposit and my airfare. So far, Access America has requested those items again, said her mother’s illness and death were a pre-existing condition for her father (???), and then closed out our request for refund because we didn’t refile! I immediately sent a certified letter and have been ignored.

    We are not talking a tremendous amount of money here, since it is a deposit of less than $1,000 and an airfare of a little over $1000. This is not a tour for 2 which would have been many thousand more! We are upset and disappointed in Access America. I certainly cannot recommend this company that sells insurance but keeps the money, no matter what!

32. Overall Rating

    kathy | Sep 30, 2009

    I’m rather shocked to find my experience was so abnormal. I had a dental filling fall out and AA paid the dental claim ($236?) to have a new filling put in. I’m currently looking for travel insurance and due to all the negative claims, I’ll not go with AA again even though my experience was quite good. They were timely and courteous on the phone also. Claim was October/November 2008

33. Overall Rating

    Not Rated

    John Shifferd | Oct 2, 2009

    Pre-existing Conditions have convinced me to not get the cruise insurance. Not only would it be for a very short time, but the cost is way too high for any benefit I could possibly gain from making the purchase.

    Combined with their history, which is pre-existing, pre-purchase, we thank all reviews for the information provide. Thanks a million, or should I say $320.

    Party On Access America, but w/o me paying you.

34. Overall Rating

    Not Rated

    Kim | Oct 4, 2009

    FRAUDULENT….If you’ve seen a doctor before, THEY CLAIMED …PRE-EXISTING CONDITION.

    ACCESS AMERICA FRAUD..FRAUD…FRAUD…WILL NEVER BUY.

35. Overall Rating

    Galen Gatten Sr. | Oct 4, 2009

    My wife purchased a travel policy with her Northwest Airlines ticket for a flight to visit her father. A week before her flight I was shocked to be diagnosed with cancer requiring immediate chemotheropy. My wife promptly advised access america and cancelled the ticket per their instructions. We were shocked to later be advised that they would not honor our claim because I had a preexisting condition as I had complained of muscle pain to my MD before my wife purchased the ticket.

36. Overall Rating

    delinda burger | Oct 5, 2009

    the guy who wrote this article is full of #%&!. NOT consumer friendly. Have you seen the movie where the insurance company tells its employee’s deny,deny,deny?? Don’t walk from this compay. Run.

37. Overall Rating

    Noel | Oct 7, 2009

    After reading so many negative reviews, I decided to do my own investigation. Access America is a reputable company. They pay a lot more claims than they reject and have received an A- rating from A.M. Best. No insurance company that I know of will pay every single claim. There are times where an individual’s situation does not meet the scope of coverage. Consumers also have to understand that they have some responsibility in understanding their own situations and to understand the coverage that they are purchasing. All the answers to all of your questions are contained in the policy. I have seen their policy and it is not lengthy and is easy to understand. I have done business with them for several years and only once did I have to file a claim and low and behold, it was paid in quick time. So for everyone who says this company is a scam, tell that to the many people who have been helped out by this company over the years. Just because your situation did not meet their scope of coverage don’t hate on them for doing their jobs.

38. Overall Rating

    Ro Peabody | Oct 17, 2009

    The company is a fraud. Who owns them? They claim they have 24 travel assistance. “Our staff of multilingual problem solvers is available to help with any medical, legal, or travel-related emergencies.” I made a $64 long-distance call, was put on hold, talked briefly with a young girl who know nothing. She admitted they had no multilingual anything, no understanding of passport issues, etc. It turns out that the long list of exceptions in the policy I never received exempts them from loss of nearly anything one might lose. They demand purchase receipts for all claimed losses, even things purchased 40 years ago. The fact that this company has the right to exist is a scandal.

39. Overall Rating

    Rachel | Oct 25, 2009

    Access America does not provide the coverage that it implies it does in its advertising. It only covers very limited, rare situations. Do not trust the misleading information. If you cannot read the actual policy would for word first, don’t buy it. (And once you read the actual policy, you probably won’t want to buy it anyway.)

40. Overall Rating

    Not Rated

    billy thompson | Oct 31, 2009

    i have always purchased travel insurance for extra protection…i tried to use this access america insurance today for the first time…what i have to do to get it to cover me as they promised is absolutely outrageous…THIS COMPANY IS A SCAM….THERE INSURANCE IS UNUSABLE WHEN YOU NEED IT AND THAT’S WHY THEY HAVE SUCH A LOW RATING….I SHOULD HAVE RESEARCHED BETTER…..WATCH OUT FOR ACCESS AMERICA TRAVEL INSURANCE…IT IS USELESS!!!!!

41. Overall Rating

    Not Rated

    Tony | Nov 6, 2009

    yup, i got scammed… wish i would have read all the comments here before buying… my company went out of business, so i cancelled my trip… and after supplying the info they requested, they denied my coverage… i missed in the the fine print, that i needed to have worked for the comapny longer then three years… wtf! DO NOT BUY TRAVEL INSURANCE FROM ACCESS AMERICA it is a SCAM!!! You will never get any monies back…

42. Overall Rating

    Jodi Myers | Nov 7, 2009

    My mother-in-law had been diagnosed with lung cancer in May 2009, with a dire prognosis of only 6-9 months to live. She’d been doing pretty well, any medical concerns she’d had were unrelated to that disease but due to issues with her diabetes. We had the need to purchase a flight and thought “just to be sure” we ought to cover ourselves with the trip cancellation insurance offered through Orbitz and provided by Access America. The flight was relatively inexpensive ($138), with the cost of insurance a little over 10% of that @ $15. This seemed like a reasonable ratio given the situation.

    We did receive the policy, and I have to confess I did not read it thoroughly (thus the warning here to save others from this issue.) In any regard, several days days after I bought the plane ticket, my mother-in-law came down with pneumonia. Within 48 hours she was admitted to hospice care and passed away.
    I submitted the claim, assuming that it would be covered since at the time of purchase we were of the mind that we were very likely looking at another 2-5 months. The claim was denied based on the fact that this was a pre-existing condition.
    I understand that it was my responsibility to fully read the policy. The agent I spoke with explained that the reason the cost of the plan was so affordable (10%+) was to cover events like getting hit by a bus, sudden on-set illnesses, etc. I happen to disagree that this is affordable in relation to the odds associated with completely unknown instances. I am not likely to assume I have a 1 in 10 chance of getting hit by a bus, etc; to me, the relative cost is exorbitant given the odds that something completely unforeseen and unavoidable would happen. I will not make the mistake of purchasing the insurance again!
    We each need to make up our own minds as to what makes sense to us, I just wanted to make sure everyone was aware of the potential nuance to this type of policy.

43. Overall Rating

    Cheryl | Nov 15, 2009

    Bought airline insurance with them in July ‘09 for a trip the end of August. My mother was going along with me and my daughter when she developed a blood clot a week before the trip. I filled out ALL the paper work and had the doctor at the hospital do his section. Access America turned our claim down. I’m very upset with this company. Can this be legal??? I would NOT reccomend purchasing their insurance. Stay away and warn everyone you know!

44. Overall Rating

    Carmon Comunale | Nov 16, 2009

    90 year young Mother-in-law scheduled a trip. Her son died the day before leaving. Will not pay up until lack of pre-existing condition is proven for her son. MUST read these comments from other previous customers. Call Congress, the news media, AARP. Obviously a morally bankrupt company.

45. Overall Rating

    Not Rated

    Bill Murphy | Nov 17, 2009

    Will not waste my premium again. I could not travel for illness; I saw the doctor 5 days earlier but at that time did not ask about traveling because I hope to recover quickly. My claim was denied because the doctor had not advised me to cancel and could not say that in the report. Not only am I out money for the cancellation but also for the doctor’s visit needed to get the form completed so that it could be rejected.

46. Overall Rating

    Violet Walton | Nov 17, 2009

    I recently purchased insurance through your company. You were recommended by a family member who travels and has used your insurance.
    My daughter was diagnosed with breast cancer
    5 days before I purchased my airline ticket.
    she did not inform me & her father until she
    knew about her survival chances and treatment.
    I had no way of knowing when she was diagnosed
    until after she notified us.
    Of course after my claim was denied I was told
    of all the loop holes that your underwirters use to keep from paying a claim. I purchased the polciy in good faith and was devasted to find you would not honor the claim. I have to make several trips back and forth because she is having chemo and radiation. We are elderly
    and live on social security and this is a fanancial blow. I will not, nor will I recommend your coverage or lack of. I do intend
    to notify my senator Bill Nelson and write to the better business bureau. The least you can
    do is refund the purchase price for the policy
    that turned out to be of no use.

47. Overall Rating

    Not Rated

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48. Overall Rating

    Not Rated

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49. Overall Rating

    Not Rated

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50. Overall Rating

    Not Rated

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51. Overall Rating

    kelly white | Dec 1, 2009

    I had a very snotty kid tell me it was my fault for not noticeing I had purchased a plan that I am sure I didnt want ,on orbitz I unchecked the annoying little box that was prechecked to add travel insurance and some how it still got added

52. Overall Rating

    Laurel Huckans | Dec 1, 2009

    I agree with the statement that this company is a total fraud! My husband and I were on our way home from a trip. We were in a foreign country and could not get home. Called them and they assured us we had insurance and would help us get home. Now they have decided they will not give some of the massive amounts of money we had to spend to get home, even though it was NO fault of our own! We have gotten 3 totally different reasons and the run around! Can’t even get a copy of any kind of policy! Do NOT trust this company with your vacation!

53. Overall Rating

    Not Rated

    S. Williams | Dec 1, 2009

    My parents are 80 years old and were planning a trip to Orlando. They are very prudent and careful in planning, and elected to purchase the American Airlines option of “travel insurance”. My father has successfully fought prostate cancer for 20 years now. After he purchased his policy and his airline tickets, he was continuing his usual cancer treatments, but unfortunately developed a dangerously low white blood count which precluded him from traveling since it increased his risk of contracting a life threatening infection during the trip. His doctor told him not to travel. This so called insurance company of course decided that his cancer was a preexisting condition, so they denied his coverage despite the development of his low white blood cell count was a completely new diagnosis he hadn’t experienced in the previous 20 years. What a joke. Do not buy this scam insurance!!

54. Overall Rating

    James McRae | Dec 10, 2009

    Disney and the companies that utilize Access America should be ashamed of supporting this company. They claim to not speak “insurance talk” on their website which is great until you file a claim and they sure speak it then. I have made several complaints to them and will be asking Disney to discontinue their association with them.

55. Overall Rating

    Swaran Dhaliwal | Dec 27, 2009

    And the list of denied claims grows… Our grandmother passed away at 90+ years, months AFTER we purchased our tickets/insurance but a few days before we were supposed to attend a family wedding. Long story short, we went to a funeral instead of a wedding. We placed a claim that they have thus far denied since the “onset of death” was not listed on the death certificate and, get this, the date that her “natural death” began was not given. Now the death certificate clearly states “natural” as the cause of death. However, after months of phone calls, paper work faxed, hospitals, the merry-go-round of reps, and doctors contacted, they still refuse to pay the claim unless we can prove she DID NOT HAVE a pre existing condition!

    However, unlike many here that that have given up in frustration, we will win this war of attrition if it takes an act of congress, or a class action lawsuit! We are even considering creating a web page designed to bring to the attention of insurance regulators the unscrupulous practices utilized by this company. This should have been a cut and dry case but instead it has now turned into quest for justice. Really mad and getting angrier by the day!

    If this claim is not resolved quickly by Access America we are going to repost an e-mail address here and on other sites to rally the troops, collect interested parties info, and set into motion a class action lawsuit that will make Access America wished it had never insulted the memory of our loving grandmother by insisting we provide them with more then adequate proof of her “natural” and untimely death.

56. Overall Rating

    Ed Terry | Jan 1, 2010

    Tried to change flight plans for my mother-in-law after my mother died. We needed my mother-in-law to stay at my house to care for my dependents while my wife and I traveled to the funeral. Access insurance refused to honor their agreement.

57. Overall Rating

    Linda B. Cane | Jan 3, 2010

    I wish I could leave LESS than 1 star. This company should not be listed here. If you check the internet, you will see that they do not pay claims. You will see that they ask for the same paperwork over and over and over again. They try to wear you out so you will go away and not collect when you have to cancel a trip. It took me almost 6 months to get a refund that I was absolutely entitled to, and it wasn’t even for a large amount. I The entire trip, which I booked myself, was less than $2500! I was only successful because I wouldn’t give up, but it took many hours of letters, emails and phone calls. Your rating should be changed or at least a warning posted about their poor record of taking care of claims. Thank you!

58. Overall Rating

    Not Rated

    Brian | Jan 10, 2010

    To everyone that has provided reviews, note that your feedback will be more helpful to others and influential on the company if you complain to the Better Business Bureau in the the state they are registered. Below is the link: http://www.bbb.org/connecticut/business-reviews/real-estate/century-21-access-america-in-stamford-ct-17001997

59. Overall Rating

    Gordon | Jan 16, 2010

    I just received a letter from Access asking for a doctors report on my dead father-in-law. Apparently, the death certificate was not enough. He had been sick for several years and his health was getting worse. They explained to me if his medication changed they would not cover my trip interuption. Pre-existing conditions are not covered. As I read through the reviews, this is a trend for this company. Do your homework and find a better comany.

60. Overall Rating

    Janice Mcleod | Feb 2, 2010

    I booked a flight from MI to Az with plans to go visit my father who was sick and was given 3-6 months to live. 3 weeks after his diagnosis, he collapsed and was given 48 hours to live. I had taken insurance with Access America for this flight. I always insure trips and flights. Delta changed my flight and I left the next day. I stayed with my father for 13 days. I filed a claim for the difference in the price of the flight when I got home. They required a certified death certificate, which I sent. After that, they requested that a form be filled out by the Dr. I got that completed by both the social worker at the hospice and the Dr. That was mailed and faxed to Access America along with a letter from the hospice explaining that they requested that I get there quickly. Now, I have received a request for my fathers medical records outlining the diagnosis.
    I live in MI and I am in FL for the winter. My father died in AZ. This paperwork has been a nightmare on top of all of the things that have been required after a death in the family.
    I am convinced they are just trying to bury me in paperwork in hopes that I will give up and forget it.
    The paperwork from the Dr and the death cert both stated a cause of death and described his illness. I feel like that type of info is an invasion to his privacy.
    Dad passed away Nov 1. His small estate has all been settled but I am still trying to get this settled with Access America. What next, where is the end? How many ways can I justify this?
    Do I have any rights here? How about HIPPA and common consideration. I have more then answered any reasonable questions that should pertain to changing the flight. This is nuts.
    I WILL NEVER BUY INSURANCE FROM THEM AGAIN AND WILL BE SURE TO SPREAD THE WORD TO ANYONE THAT MAY THINK OF DOING SO.
    And it still isn’t settled……..

61. Overall Rating

    Julie | Feb 5, 2010

    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.

62. Overall Rating

    Not Rated

    Carol AnnHroch | Feb 11, 2010

    My mother in law watches her daughters children while she works. Since my sister in law doesnt pay her for her time, my mother in law lives on a fixed income and cannot afford the nicer things in life, which brings me to my complaint. We decided to purchase a ticket to Mexico as a Christmas present for her as we were going and wanted her to come. My sister in law children went to their grandmother and told them that there mother had been both physically and verbally abusing them to a point where she was dragging the one daughter out of the car because she didnt get out fast enough and while the child was running because her hair was being pulled by her mother, she tripped and fell and her mother began kicking her in the head. Needless to say my Mother in law requested custody of these 2 precious children 6 & 7. My sister in law is an alcoholic and attempted to take her life. She was hospitalized for 28 days of Detox, those 28 days fell into the week that we were going to Mexico, There was no way that those children were going to be given back to their mother. Luckily ( I thought) i purchased travel insurance with Access America. I thought I was insured and didnt even think that our claim would be denied, BUT I was wrong they denied our claim. I think this is a scam of an Insurance Company – I hold Orbitz responsible for having list them on their site. A class action lawsuit should be initiated because something just doesnt smell right or fair. If any one would like to be part of a class action lawsuit, email me at cahroch@gmail.com- I will speak with an attorney and he will advise whether or not we have a case

63. Overall Rating

    Not Rated

    Regina Welch | Feb 18, 2010

    I only wish I had read these reviews before I purchased the policy. I would love to find out if any one ever got their claim paid. I believe like the others that it is a fraud. We had to suddenly leave a trip and return home because of a sudden illness to one of our children and was told it was not covered. Will advise others as I feel that I have been taken.

64. Overall Rating

    t wright | Feb 18, 2010

    SCAM THIS COMPANY IS A RIP OFF. It should be turned in to the consumer protection agency for misleading consumers. Do not purchase. Company did not provide any support or monetary reimbursement it advertised and stated it the “policy”!

65. Overall Rating

    Judy | Feb 19, 2010

    Do not buy insurance from this company! They are very expensive for what you get, and if you file a claim, they find an excuse not to cover it, no matter how clearly the are responsible.

    The are affiliated with Orbitz, so if you buy trip insurance with Orbitz this is what you’ll get.

    Go to other places. AAA has cheaper insurance. Available to all.

66. Overall Rating

    Don Cardinal | Feb 22, 2010

    The “trip cancellation” insurance ad on the American Airlines site makes it sounds like any cancellation is covered.

    Only when you read the 26-page coverage document will you see the exact items it does cover and nothing else. If it is not listed it it not covered. period.

67. Overall Rating

    Edo Kaluski | Feb 25, 2010

    I had my wifes parent visiting from Ukraine. Unfortunately they were involved in a car accident. Access America provided them with exceptional service. They arranged for them flight tickets, compensated them for trip interuption and were very attentive to their needs. I can only say wonderful things about this company.

68. Overall Rating

    EWILL | Mar 3, 2010

    What a scam!

    Orbitz really pushes this product stating you can purchase this up to the day of travel. Received injury prior to purchasing insurance; however, doctor determined that I could not travel afterwards when an infection set in.

    Claims agent very rude and defensive (I believe her name was Crystal) –must be accustomed to denying claims.

    Don’t waste your money on this product.

69. Overall Rating

    Ed | Mar 3, 2010

    Thanks for all the honest reviews here that we are not falling on their trap.

70. Overall Rating

    Warren | Mar 4, 2010

    The worst!!! Dont waste any time or money on this company. Paid for this insurance off a USAirways flight and had a death in the family the morning of preventing me from going. They determined after gathering up and sending physician forms that this family member (grandfather) was not included in this policy. WHAT A JOKE!!! The BBB will hear from me, and I encourage all to to do the same using the link provided down the page. Absolute scam. Avoid at all costs!

71. Overall Rating

    David Clark | Mar 5, 2010

    Our round trip DFW-SLC on 2/12-2/14 was delayed because of 12inches of snow at DFW. The airport was closed. The next avail flight was 12/14, so no point for the trip. After calling AccessAmerica and asking them what they recommended and what our options were, We rented a car and drove. Policy stated $200/person with a max of $150/day. Our actual costs were > $850. They paid us $375 (Pro-rated because we rented 2-way rental and did not pick up the return flight in SLC on 14th.) One-way rental car was $1400 – we declined. By saving money and trying to stay close to the $800 max, we were penalized, even though they had suggested this before we rented the car. They also said they would pay in full ($310 per person) as a travel cancellation, they later claimed it was only a travel delay. Thankfully Delta refunded our ticket money for the flights, so we did not lose too much. However, Insurance is supposed to pay when the correct conditions are met. AccessAmerica found to a way to minimize their payments. To get to the reduced payment, I have so far made about 12 calls to them (Average wait time 15-20 minutes per call), sent 4 emails, faxed 22 pages of documentation, and finally filed a complaint against them with the BBB, requesting the additional amount that was not yet paid.
    Bottom Line: Unless you want to make it a lifelong quest to get your claimed money back from them, save your money for something else. This flight insurance is a scam and should be avoided. I am disappointed that Delta airlines have a link to them from their web site. PS: It took 2 weeks, 3 emails and 4 calls to Delta with an hour wait time on each call to get my ‘non-refundabe’ tickets refunded.

72. Overall Rating

    J. Cobb | Mar 12, 2010

    Fast and very courteous service. Available 24/7
    with real people! Filed claim online and was paid with a week. Would recommend.

73. Overall Rating

    Tom henderson | Mar 12, 2010

    I’ve used Orbitz and bought Access America insurance for about $14. Had to cancel when my wife got diagnosed with cancer. They paid me $1,100 quickly
    and with no hassle. Very courteous.

    Not sure why some people here are complaining and calling this company a scam. Everyone should know insurance doesn’t cover everything, especially preexisting situations. Try buying home insurance when your house is on fire. Everyone should read the policy and if you don’t like whats covered and what’s not ask for your money back.

74. Overall Rating

    M Hopkins | Mar 13, 2010

    Avoid doing business with this company at all cost. After a visit to France, my wife and I took a train to DeGaulle airport to catch our flight home, but the train broke down and was delayed for 2.5 hours, causing us the arrive at the ticket counter 20 minutes after the flight departed. We had to stay overnight at an airport hotel, and the airline charged us $300 apiece to change our tickets. Total out-of-pocket expense: $832. Our Access America’s policy clearly stated it covered loss due to missed flights. But the company rejected our claim. When we asked why, they said they only pay if one misses a flight by more than six hours. Figure that one out. This is one sleasy company. Stay away!!