Read all 147 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!!

75. Overall Rating

    Safiyah | Mar 15, 2010

    The airline called to cancel our flights due to a severe snow storm in the North-east- Feb 10 2010. All tri-state airports JFK & EWR & Phili. were shut down. The hotel and airlines (Booked through Orbitz)were so understanding, we were promptly issued a refund with out penalty. ACCESS AMERICA refuse to refund the $129.94 trip cancellation insurance because they view it as a delay when flights can go out with in 48 hours. Access America is GREEDY. SHAME ON THEM! DO NOT USE ACCESS AMERICA. Such a useless policy. I won’t use any vacation companies that work use Access America (Orbitz, Delta)because they should be advocates for us too. LET THE BUYER BEWARE.

76. Overall Rating

    Not Rated

    Donut Buy | Mar 16, 2010

    I purchased travel insurance last October for a Valentine’s Day weekend trip for my wife and me. It was the first time that I had purchased travel insurance. I did so because my father had contracted leukemia in 2008. Since that time he had gone in and out of remission. I bought the insurance because I knew that there was a chance that we might not be able to make the trip. Unfortunately, that is exactly what happened. His condition suddenly grew much worse and on Sunday, February 7 he was hospitalized. His wife was there to assist him, but she needed more help. I flew to Massachusetts on Feb.10 to help, but no drugs could assist him. We were able to get him discharged from the hospital, sincee wanted to die at home. One week later he died. I contacted Access America to recoup the cost of my trip. They said that they would not pay, because my father had been treated for his leukemia in the 90 days prior to my October purchase date. After discussions with two representatives the bottom line was this: Don’t buy travel insurance when a family member is ill! The standard coverage which I purchased is only of use if someone suddenly and unexpectedly dies. Caveat emptor (Let the buyer be aware)!

77. Overall Rating

    Not Rated

    Jp | Mar 16, 2010

    This insurance company is a fraud! DON’T USE IT OR YOU’LL BE SORRY! My father-in-law died the day before our flight to Hawaii to celebrate my wedding to his daughter. They refused to pay, saying the doctors aren’t filling out the forms correctly, I’ve sent them 4 four times.

78. Overall Rating

    Theresa Harris | Mar 17, 2010

    Buyer beware! This company is a fraud. My claim was denied. I came down with bronchitits 10 days after I booked my ticket and because I had a cold 120 days yes 4 months prior! to purchasing the ticket my claim was denied. They dont ask these questions when you are purchasing your insurance.

    This is company is a rip off and I will be reporting them to the Better Business Bureau! I suggest everyone do the same! Let’s put them out of business. Theresa Harris

79. Overall Rating

    TheInspectorGeneral | Mar 20, 2010

    ATTENTION: ALL OF YOU!

    As long as your dealings with Access America remain on an emotional level, you will get nowhere with them. If you want results, do your homework, operate from purely business perspective when trying to get a claim resolved (much as that may hurt). Forget about the Better Business Bureau, while not totally useless, they are next to useless. Get the word out on sites like Consumerist.com, which is one of the most powerful sites out there where shoppers can BITE BACK!

    Make http://www.consumerist.com/ a nightly stopping point for you and your family, and you will save yourself a ton of headaches regarding everything consumer related.

80. Overall Rating

    Not Rated

    TheInspectorGeneral | Mar 20, 2010

    Oh by-the-way, here is a little story from Consumerist.com that you may find interesting, along with some others related to “travel insurance”:

    Access America’s “Comprehensive Trip Protector” Insurance Isn’t Comprehensive, So Enjoy Your Overnight Layover

    http://consumerist.com/2010/02/access-americas-comprehensive-trip-protector-insurance-isnt-comprehensive-so-enjoy-your-overnight-la.html

81. Overall Rating

    Rebecca Moon | Mar 22, 2010

    I purchased your travel insurance to cover a possible trip cancellation in the event of an emergency with my terminally ill Mother and because of health issues of my husband. The night before I was to leave I had to call 911 for an emergency with my husband and had to cancel my flight. I called Access America and received all the information to fill out, which I did in great detail, to be reimbursed for my trip. Apparently I am to be denied because I failed to jump through a hoop in the policy. Even if I did fill out the remaining item, the Physician Statement Form, because my husband did not see a doctor in the specified time I will be denied. I have already spent an enormous amount of time filling out forms, writing a documentary and on phone calls that it would truly be a waste if time to go to the expense of having a doctor, which he did see, fill out a form that would have an unacceptable date on it.

    I have decided to instead spend my time writing this note and I will send an email to all the people on my address list and on Facebook explaining why a travel insurance policy is a bit of a joke and do not waste one’s money in hopes of ever receiving help in the event of an emergency involving a loved one.

    Saddest of all, this letter will probably never reach an individual who has the authority to help a client.

    Rebecca Moon
    Policy # AMR00001382352
    03/21/2010

82. Overall Rating

    Not Rated

    Susan Rossi | Mar 22, 2010

    I purchased this insurance with a plane ticket to go see my seriously ill sister. The day after I bought the insurance, my sister was operated on, and it was discovered she had an abcess,caused by a staph infection. She was placed in isolation and not allowed visitors. I cancelled my reservations and waited for a refund. After many weeks of phone calls and letter writing, I have been told that my claim was denied because she had a pre-existing condition – pain. Of course she was in pain; that’s why she went to the hospital. This is nothing short of a ripoff! People need to read these complaints before they buy from this company.

83. Overall Rating

    Pam Gallatin | Mar 23, 2010

    DO NOT GET THIS INSURANCE!!! BUYER BEWARE!
    I have purchased trip insurance for years and this is the first time we ever had to use it. Never again!!! This company will not read their documents you send no matter how many times you send them to several different people and finally when you back them into a corner they still come out stupid and won’t pay all. Had to have a flight routed via Pittsburg, rental car, then pit home to Jax and they say I wasn’t in Pit. The receipt shows all. NO ONE IN THAT OFFICE WILL DO THEIR JOB! BUYER BEWARE!!!

84. Overall Rating

    Margaret C Taglia | Mar 26, 2010

    My family’s flight was cancelled due to a huge snowstorm and the airline refunded my money because they weren’t able to re-book the flight for several days. I had purchased an Access Americal Insurance Policy for my car rental. First, they cancelled my policy stating that when I called them to say my flight was cancelled, I actually cancelled my insurance. After several phonecalls, my policy was re-instated. Then, they denied my claim stating that Airtran would have had to completely cease all service for a 24 hour period in order for them to pay on my claim. I provided verification from Airtran acknowledging they could not re-book my flight for days. WHY PURCHASE A POLICY! I do not recommend Access America. They were polite but condescending in their denial. I’m sure they were bombarded with claims following that Feb, 2010 snowstorm and their response was deny, deny, deny!

85. Overall Rating

    Joyce Henderson | Mar 27, 2010

    This is the worst travel insurance I have ever bought. I intend to write letters and send an alert to media and airports to be on the watch for this company whose practices are sneaky and low and frauds!

86. Overall Rating

    Not Rated

    Tom Ryan | Mar 31, 2010

    DO NOT PURCHASE! This company is a total rip off. My doctor told me not to fly because IT MAY KILL ME. They still won’t pay. After nearly 2 months, I’m still jumping thru hoops and never actually expect to be reimbursed. I will never do business with this company or orbitz again.

87. Overall Rating

    Not Rated

    J Sullivan | Apr 1, 2010

    The travel interruption protection guidelines are very tight. I was stranded in Arizona during a hurricane on the east coast. Cost me $900 to get home, Access America told me I was entitled only to a travel delay and $150 because the airline did not shut down completely. I will not be purchasing this product again.

88. Overall Rating

    Not Rated

    PO'd | Apr 3, 2010

    I am currently dealing with Access America and I find their service less than satisfactory!!

    I was scheduled to go on a group trip, but the trip was canceled by the travel company due to natural disaster.

    During my very first phone conversation with AA, the woman told me she could pretty much guaranty my claim would be denied!!

    Email submissions & faxes seem to vanish so I have resorted to using certified mail! When I call AA’s office and ask to speak to the agent who is supposedly handling our group claim, they say nobody by that name works there! All emails go unanswered!

    I have made numerous calls to AA only to be given the run-around, put on hold and eventually disconnected. They are very UNPROFESSIONAL and never return calls! Like everyone else here…I think they are a SHAM!!!

    Sadly, the travel company has not been much help either!

    Buyer BEWARE!!!

89. Overall Rating

    Frustrated | Apr 15, 2010

    Run away!! Our flight(s) repeatedly canceled over a 4 day period due to blizzard conditions at arrival destination. At least one carrier flight landed every 24 hours so no trip interruption coverage was allowed. Policy say “all services canceled for 24 consecutive hours” regardless if that one flight that made it did my any good. Would not touch AA ever again. read the small print. Can’t believe they are even still in business. I guess a sucker born every minute.

90. Overall Rating

    Sarah | Apr 15, 2010

    AA.COM offered and sold me the policy despite the fact that the tickets I was purchasing were fully refundable. Call me stupid (i sure have) for buying it but I was in a hurry, bought first class expensive tickets and thought for sure they would cost a bundle to cancel or change, with elderly parents I went for the insurance. When I found out the tickets were fully refundable, I asked for a refund but was told they couldnt give one. I suggested that they could but wouldnt.

    I agree, this is not a good outfit.

91. Overall Rating

    Federico Sacerdoti | Apr 15, 2010

    A bad experience. The travel insurance my wife bought stated it covered cancellations due to bad weather. Great. She had bad weather on her way from NYC to Albuquerque, and was forced to spend the night in Denver airport. The next flight to New Mexico was not for more than 24 hours. However her insurance claim (worth $500) was denied because her carrier had some other flight going to some other destination within 24 hours. Their policy small print required “complete cessation of service by the airline” defined as no flights leaving the airport for 24 hours. If there was complete cessation of service for 23 hours, then one flight on the airline left for Mexico City, her claim would be denied; making this insurance worth much less than she thought. We will never buy from this company again.

    Access America (AA) is offered by default by Orbitz, you just need to tick an option box. The Romans knew it, and this blog entry is a testament: Caveat Emptor, buyer beware.

92. Overall Rating

    Kathi Rubin | Apr 15, 2010

    This company sold me travel insurance. I had fallen and hurt my arm before I bought the insurance, but not badly. So I bought two tickets to Cancun and bought travel insurance, just because it’s a good idea.
    When the Dr. decided I needed surgery on my arm and would be in a sling for 6 weeks, I called this insurance co. and they said I was covered, but would need to fill out forms to get my money back. After submitting forms, I was denied my $886 refund. Because I didn’t tell Spirit Airlines directly I was canceling, I cannot use my tickets. The ticket info is in partnership and on the same page as the insurance company. This is fraudulent and I am not finished dealing with them.

93. Overall Rating

    Jay | Apr 18, 2010

    Paid for this insurance for a family member to fly out for a wedding. Family member got a kidney stone during the stay and had to be hospitalized thus missing the flight. This insurance company told me everything would be covered to change the flight but in the end nothing was covered. The claim was denied and closed in less than a week after I sent the paperwork in and they never even bothered notifying me. When I called to see the status my claim didn’t exist at first but after thirty minutes on the phone they finally found it and said it was denied due to pre existing condition. They refused to tell me anything more and I was out over a grand. Never buy insurance from this company. It is a big SCAM. I can’t believe this company is even allowed to do business. I will avoid American Airlines as much as possible because they recommended it. What a waste of money.

94. Overall Rating

    Cheryl Ellis | Apr 21, 2010

    I would actually rate your company a zero star. Very corrupt practices. It took me tracking down the CEO of your company, Jonathan Ansell, and the CEO of Orbitz, Bernard Harford, as well as Christopher Elliott the nationally syndicated “Travel Troubleshooter”, to get a refund after finding my mom deceased at her home 2 days before we were to leave for a vacation. This is an unscrupulous company.

95. Overall Rating

    Not Rated

    robert Raduenzel | Apr 21, 2010

    this company will NOT be there if you need them. very much a scam.

96. Overall Rating

    Not Rated

    Ron Nesbit | Apr 22, 2010

    We had items missing from our suitcase after doing onboard check in with Disney Cruises (our baggae was checked through to our final destination). We encountered resistance, and poor surly customer service from Access America trying to recoup our loss. Any item you do not have a receipt for is “depreciated.” They refuse to make good on our total loss. Bottom line, we had a very poor experience with Access America.

97. Overall Rating

    David Peterson | Apr 27, 2010

    Access America sold me a policy which, at the time they were fully aware that I would never be able to submit a claim. I was told that there was a “foreseeable” storm and that the policy was purchased too late to be able to make a claim. If that was the case, why would they even sell me a polic? The claims examiner whom I never heard from for over 2 months (since submitting the claim) mumbled on the telephone only for me to get out of the conversation that my claim was deniable but wasn’t denied yet. I should hear from a manager in the future. I was able to salvage five days out of seven by traveling to a different airport and paying a substantial increase in fares. If it was too late to purchase the policy THEY SHOULD NOT HAVE SOLD IT!!!!!You are no different than Goldman Sachs making money off impending disaster.

98. Overall Rating

    Barbara J. Mason | May 2, 2010

    Cruise roommate got sick the day we were supposed to travel. Called Access America and received the paperwork my e-mail. Once I got the paperwork into the company (our delay) we both received a check within a couple of weeks. Very professional.

99. Overall Rating

    Sharon | May 4, 2010

    I had to have emergency knee surgery, and it landed right on the spring vacation I had planned with my children. The tickets were over $1,600 and I had to cancel the trip. I submitted all of the doctor’s information and was “denied” my money for the tickets because my doctor’s appointments had fallen within 120 days prior to my trip. I was supposed to have arthroscopic surgery during the summer, so it was not supposed to interfere with any part of my life. However, after further review from the doctor, he insisted that I have immediate knee replacement surgery. Who would have thought at 42 years old this would be happening?? Regardless of the circumstances, my children were under age and could not go to Orlando by themselves, so I had to cancel the tickets. Access America stands by their “policy” and repeated in a “robotic” response…”we send you the travel insurance documents for your review in an email. It is your responsibility as a consumer to review all documents prior to accepting the terms of the agreement on the website. It is also your responsibility as a consumer to read the policy when you receive it in the email. Gosh, had I known that I was going to have emergency knee replacement surgery, I certainly would have informed them prior to purchasing trip insurance…REALLY??? I guess I shouldn’t have booked any vacations with this travel insurance, since I had an emergency hysterectomy 6 years ago that led to the degeneration of my bones in my knees so bad that my legs were “bone on bone” when I was walking…guess that would be considered “pre-existing” to them as well, since that is what CAUSED the degeneration of the bone, osteoarthritis and a complete breakdown of the cartilage in my knees. Do NOT click “add travel insurance” box on ANY websites, Orbitz, Travelocity, Delta, American Airlines, Priceline, Princess Cruises…NEVER CLICK THE BOX…on ANY website, airline, travel agency, cruize…NEVER…NOTHING! It’s not the TRAVEL INSURANCE that is the problem…it’s the TICKET REFUND that you will NEVER see! My travel insurance was only a total of $75, the TICKETS were $1,600!!!!!!!

100. Overall Rating

     shannon marttila | May 4, 2010

     Had a claim with this company. What a joke!!!
     They continue to tell you to provide more documentation and when you continue to give them everything they ask for, they deny it anyway. I am reporting them to the attorney general in both the state I purchased them as well as in Richmond, VA where they are located. This company should not be allowed to do business. You are better off saving your money and not having insurance. Complete crooks!!! I wished I had checked this website before purchasing this insurance.

101. Overall Rating

     Not Rated

     Eduardo Pinzon | May 7, 2010

     Very difficult to access my Account in English!
     I want to check my inquiry status,

     Eduardo Pinzon

102. Overall Rating

     Not Rated

     Barbara Lee | May 8, 2010

     There isn’t a rating low enough for this company. When my traveling companion had a nervous breakdown (as in she was in the hospital) they would not return one penny. Yes I know mental conditions are not covered, but I thought that meant you couldn’t say I don’t feel like going.
     My companion was hospitalized and is still in the hospital over a year later.
     I am currently shopping for insurance for another trip. This one is off the list.

103. Overall Rating

     Wanda Payant | May 10, 2010

     This company is a complete fraud. They refused to pay on a claim after I had to return to the United States because my Father was dying. He died one day after I returned. They will not pay because I did not come back on the day he died. This company should be forced out of business. They are highly unethical. Please do not use this company for overseas travel.

104. Overall Rating

     Paula | May 14, 2010

     FRAUD ALERT….FRAUD ALERT….FRAUD ALERT
     You have got to be kidding endorsing this company.
     We just returned from my honeymoon in Mexico our luggage was broken into at the airport and jewelry & electronics taken. Access America will NOT pay because we don’t have receipts. Anyone who has ever traveled to Mexico knows you don’t get receipts. Sure wish I would have known this before we payed $500 for a policy. We assumed since we bought the insurace through Orbitz it was legite.

     Anyone up for a class action lawsuit?

105. Overall Rating

     Betty Maize | May 18, 2010

     This is qiute disturbing my story is no way near as tragic as the following stories I have read, we live in America and it showes we are the most selfish people in the world with no heart just give me your money and I will gladly place a pre-existing label on you that will npt only deny your claim but make you feel like a fool for purchasing this insurance. I would like to devote as much time as possible in a class action lawsuit.

106. Overall Rating

     Carol James | May 28, 2010

     Great article,
     It is very important for everyone to have health insurance.If you don’t have insurance and you have to go to hospital, you’ll have to pay over $20,000.That happened to a friend of mine.I know a site that offer the cheapest possible price for health insurance, free quotes and a lot of benefits.

     http://www.NationalHealthInsurance.info

107. Overall Rating

     Kelly | May 28, 2010

     With so many bad reviews I felt like I should share my experience. From the day I broke my ankle in South America they were very helpful and gave good advice. I had to fly to a hospital from an isolated area. They just asked me to keep a paper trail. When I got to a hospital and found out I needed surgery they were helpful again. The hospital wanted cash up front that I didn’t have. Access America sent them a promissory note and talked the hospital into doing the surgery. The case worker called everyday I was in the hospital to check on me. When I was ready to fly home their medical staff called the Dr. out of concern for me getting blood clots. Something I hadn’t thought of. I was put on medication 5 days prior to flying out. When I got home I sent them all my receipts and the paper trail. They have been polite, good communicators and a help during a distressing time. I have received half my reimbursements and the last two checks are on the way. All my friends are now making sure they purchase insurance before they fly out of the country. I couldn’t have asked for more.

108. Overall Rating

     CB | Jun 1, 2010

     I could not use my ticket and had to travel at another time due to my mother’s breast cancer surgery. Access America told me I had to file a medical claim even thought the medical condition was not mine!! Access America then denied my claim because they considered this a pre-existing condition!!! My mother’s health reasons should have nothing to do with my travel. Totally unheard of. Do not waste your time or money with Access America!!

109. Overall Rating

     Not Rated

     Lyn Battien | Jun 2, 2010

     This is a horrible travel insurance company and Continental airlines should remove the link from their webisite unless of course they own them! We purchased this insurance with a ticket for a family wedding a year before the event, my spouse became very ill and could not travel and they denied the claim saying it was pre-existing, but how can it be pre-existing if you are not diagnosed until months after the original trip and ticket was purchased and planned for. Attempted many appeals and they even breeched my spouse’s medical privacy. No payment and no claim settled yet. Nothing helpful or of good merit with this company. Would not ever recommend this travel insurance .

110. Overall Rating

     Not Rated

     John | Jun 4, 2010

     I will not buy any policy from Access America again!

     I purchase the protection plan via UA and I finally realized the Airline Ticket Protector is not protecting consumers, I am asked to provide a proof from clinic, and seems that’s my fault that I did not sick enough to see a doctor.

     Simple and friendly in surface, but complicated wording and process to claim what you suppose to get back from Access America.

     Don’t waste money to buy the policy from this company, you have better chance to win by buying lottery.

111. Overall Rating

     Nicholas Clifford | Jun 7, 2010

     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.

112. Overall Rating

     Not Rated

     Traveler | Jun 8, 2010

     I’ve read these reviews. It appears that the main complaint is a pre-existing condition. However, having used access america before, it clearly states what is considered a pre-existing condition. And on the Access America basic, classic, and deluxe policies, there is a pre-existing condition waiver to where if you meet the pre-defined terms of the waiver, you are exempt from pre-existing condition exclusions. I was. I was paid. In a timely manner. Approved by claims after 10 days, mailed a check. Cashed the check.

113. Overall Rating

     Natalie | Jun 9, 2010

     I was turned down for a filed claim. I had a doctors note stating I had a sever ear infection, throat infection, eustachion dysfunction and sinus infection. She had stated on the note, if it did not clear up, I should go see a ENT.
     The agent on the end told me to go see the ENT before they could do anything further.
     DO NOT buy insurance from these company, they have a rubber stamp policy.

114. Overall Rating

     Not Rated

     Thomas EDevine | Jun 9, 2010

     This is the worst of the worst, I have been trying to get a refund for two months “under review ” is all I get. Anyone thinking about a class action let me know. The editor here who gave them five stars is a dam fool and not to be trusted.

115. Overall Rating

     Gussie Brieger | Jun 12, 2010

     Have used this insurance several times and
     have been very pleased.

116. Overall Rating

     C. Flinn | Jun 25, 2010

     They have both disallowed and “lost” claims that were absolutely clearly covered in their policy as issued. Waste of money.

117. Overall Rating

     Cosmo Devine | Jun 30, 2010

     I became somewhat concerned when my claim went unanswered for several weeks. Then I came upon this website and thought “Oh no, I’m screwed.” I never had my emails answered by them, the links were dead on their website, my phone calls were never returned, they always wanted “more information” and I never got the same person twice on the phone. Anyway, I sent them everything they wanted and kept on them with the phone calls (always documenting who I spoke with, when and what they said). In the end I got my money back but it was way too frustrating. The repetitious questions, the excuses and delays were totally unnecessary on a legitimate claim. At the end I was preparing paperwork to sue them in small claims court for unfair and deceptive business practices. I can tell you with great certainty I would have won and perhaps with triple damages to boot. I simply cannot recommend this company to anyone. That said….I’m not sure if any other travel insurance companies are better.

118. Overall Rating

     Mr Harris | Jul 1, 2010

     I really don’t even want to give them 1 star. Access America is a deplorable company. They take your money oh so quickly but have no interest in honoring claims. I broke my wrist 1 week before planned travel to Britain. I have filled in all their forms, called them multiple times, received really apologetic standard emails from their customer service group but no response or payment. I can’t believe with all the negative comments below that Access America can be allowed to stay in business. Where is the insurance regulation to protect consumers like us form profit hungry businesses with no caring for their customers?

119. Overall Rating

     Not Rated

     Rosana Simson | Jul 7, 2010

     Great information,

     It is easy to find a lot of health insurance companies online.What is not easy is to find genuine health insurance company.They are reputable companies that offer many insurances and all of them are with free quotes.There you can find the cheapest price because they are not middleman, like 99% of the online sites that offer health insurances.A friend of mine told about such a company.I thought it will be helpful for every one to share it here.

     http://MyBestHealt hInsurance.Info

120. Overall Rating

     Steve | Jul 15, 2010

     I took a trip to Nicaragua in the Spring of 2009 and the tour operator’s truck was broken into on the beach at our remote surf spot. I had the deluxe plan and I submitted my claim online when I got back. Since there were no police in the area where the theft occurred, I had to call the tour operator and request a written statement about the circumstances surrounding the theft. I got it and faxed it to AccessAmerica and they paid out the claim within two weeks. There was depreciation built into my claim, but I still got 60% of what I asked for.

121. Overall Rating

     Not Rated

     Sue Moss | Jul 16, 2010

     My rating would be a minus number because, even tho I had a doctor’s letter stating that he advised me to change my plans because of my mom’s emergency surgery, they are denying my claim because it was due to a pre-existing condition. Unbelievable! They need to watch the movie “Rain Maker” with John Voight as the shady insurance man whose job it was to deny all claims!

122. Overall Rating

     Not Rated

     aleaser spiller-palmer | Jul 20, 2010

     this company is fraudulent in their practices and are a great disappointment , How are they allowed to continue to operate with their unfair practices? They have no professional medical staff on board to review claims, involving people’s health status.
     I was told this information by an employee of their company. How can a lay person make informed decisions about medical diagnoses and pharmacology issues involving clients? I give this business a flat zero(0) for their performance.

123. Overall Rating

     Dr. Al Alba | Jul 21, 2010

     Compnay does a great service for a great price. I used them many times in the past and when a claim needed to be filed a prompr reimbursemt was awarded. I do not know why so many people in this review section had such difficulty with the company. In any event I am speaking from my experiences.

124. Overall Rating

     Troy Z | Jul 21, 2010

     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.

125. Overall Rating

     Renee Evans | Jul 23, 2010

     It was very easy to purchase the policy.
     Making a claim is a whole other story.

     Why have a website like this only talk about the selling of policies – why not rate them on the hurdles of filing a claim, no written response until I called to follow up.

     July 20 First phone call – Found out no one looked at file yet. While on the line agent reviewed all paper work- agent Mari said altho doctors narrative included date patient could not travel – the date wasn’t inserted on the correct line box just above the doctors signature.

     July 20 I contacted Doctors office sent them the fax of his original statement so that doctor could insert the date and then fax to Access Am. (Talk about dotting the i’s)

     July 23 Called for status. Agent Dan said the document faxed by doctor as yet reviewed. He took the time to review entire file once again.

     Agent Dan said the claim could be paid if I agreed to the amount over the phone. It was a good thing I made him slow down. It seemed to me he was trying to get me to quickly agree to a payoff amount.

     Going through each item agent Dan’s amount and mine differed by $500.00. Agent Dan saw reference to the extra night hotel we paid for directly and was not part of the package- Agent Dan assumes it is part of the land tour and want to give us claim amount less the $500 for extra nights hotel.

     July 23- Faxed document to Access America to show the extra nights hotel is not part of the Access claim.

     My instincts tell me access America Agents are trained to guide claims to accept smaller amounts- even though claimants are rightfully entitled to more.
     Follow up is poor- certainly not as detailed on this website.

126. Overall Rating

     Tom Thoss | Jul 26, 2010

     What a scam. I asked customer service for the percentage of claims paid Vs claims made and was told this information is not available (LIE #1). As I climbed the supervisor chain, the answer was the same. My next step is to pressure the airlines to eliminate the option on their web page. The airlines are making so much money by letting this company insure nothing. I had no idea a scam like this would be legal.

127. Overall Rating

     R. Lewis | Jul 27, 2010

     Fortunately, I didn’t buy Access America coverage, especially after reading these reviews. I was about to complete my purchase on Hotwire when I read the fine print for Access America about “Pre-existing medical conditions”. My brother, who is going on the trip with me, has epilepsy. I wanted to purchase insurance on the off chance that he may have a grand mal and have to go to the hospital (this is a rare occurrence). So I called the company for more clarification, and the rep kept apologizing for my brother’s condition, and said I would be covered. When I asked for her to send a email with that clarification in it, she rudely hung up the phone on me. Seems like they’ll tell you anything to get you to purchase their insurance, but I figured if anything were to happen, they’d just say “pre-existing condition” and deny my claim. What a load of crap. It’s cheaper just to take the risk!

128. Overall Rating

     Kate Schreier | Jul 29, 2010

     I’m very pleased with the prompt payment made on my claim. I had to reschedule a trip due to an injury. When I rebooked, I filed a claim online for the rebooking fee and faxed the requested documents from the online checklist to Access America. They issued a check 10 days later. No hassles whatsoever.

129. Overall Rating

     Kristy Barclay | Jul 31, 2010

     I perceive this company Access America’s Money to be a fraud.

     purchased trip insurance for a trip my mother and I planned. I got this insurance because she is elderly and one never knows. As it turns out, she twisted her ankle at a memorial service the day before we left and did not fell like she could make it comfortably. I called Jet Blue and cancelled. I could have just paid the $100 fee for a new ticket with Jet Blue but I did not do so as I had the insurance so THOUGHT I could get reimbursed for all. I sent the Dr.’s letter to Access. They said it was not good enough as it had to be written on their form. (PLEASE!!!!) So I had the Dr. write another letter.

     Month’s later THEY DENIED THE CLAIM because in addition to the twisted ankle, my Mom is elderly and has issues associated with age and that is considered to be a preexisting condition and YOU GUESSED IT-they do not cover those.

     SO the moral is-if you have all the time in the world to read the fine print and to write repeated letters so that you can collect on the insurance, by all means take a shot and buy Access insurance. But if you expect to get paid out on your policy, I would advise going elsewhere and not wasting your valuable time and money on what I perceive to be a fraudulent scam.

130. Overall Rating

     Kevin | Aug 2, 2010

     Total scam. Save your money. Unless your tradically in the hospital on the day of your flight, your claim will be denied. Uncaring coustomer service robots will quote fine print requirements in monotone as they pass time till their next coffee break. The “supervisors” are no help either.

131. Overall Rating

     Marianne Notley | Aug 3, 2010

     Do not purchase this insurance if you or anyone in your immediate or extended family has seen a doctor or taken a pill within the past 6 months, even if you are not aware of it. This coverage is not intended for mere mortals.
     I do not understand why the insurance industry gives this company such a high rating while most customers agree that it’s a rip-off.

132. Overall Rating

     Lyn | Aug 5, 2010

     This company is a crock! Did you know AGE is a pre-existing condition? I’m not kidding. My Father-in-law (travel companion) found out he would need foot surgery 3 weeks before we were to leave on our Disney trip. Claim was denied because he is 73 and receives regular medical care. Of course he goes to the doctor regualrly for routine stuff, but he had NEVER seen the foot doctor until 3 weeks before our trip. It was totally unexpected and not related to any pre-existing condition and we have documentation from TWO doctors that we ubmitted to AA. I guess if you are over 70 and tale care of your health by visiting a doctor regularly then you should not travel.

133. Overall Rating

     Not Rated

     Margerie Smith | Aug 6, 2010

     This travel insurance company is a complete fraud. They don’t pay out on any of their policies and rob innocent people.
     Extremely unethical business practice.
     Access America hires absolute imbieciles.
     GET YOUR INSURANCE ELSEWHERE!

134. Overall Rating

     Robert | Aug 13, 2010

     Access America used a small technicalty to reject a claim when I had to cancel my trip due to prostate cancer…when on phone with claims person and a supervisor, they promised to have a manager call me and email info on appealing a claim rejection…they never did, just wanted me off the phone. Its a scam that probably seldom pays its clients. They should be investigated by the government, something I plan to initiate.

135. Overall Rating

     Not Rated

     Robert | Aug 13, 2010

     Wonder why there are SO MANY NEGATIVE REVIEWS? This company sucks! Save yor money and get your insurance from somewhere else….

136. Overall Rating

     Claire | Aug 15, 2010

     This company has a very simple policy that works as follows: You pay them. You or someone else gets sick or dies. You call them. They explain how their policy ACTUALLY works:
     You are a human being. You are alive. Living is a pre-existing condition for dying. Therefore, you do not qualify for compensation.

137. Overall Rating

     Karen Steiner | Aug 15, 2010

     I purchased $500 travel policy from Access America for 15-day trip to Europe. My USAirways flight from Charlotte to Barcelona was cancelled when the plane I was on bumped another plane waiting on the runway. Consequently it took me 2 extra days to reach my final destination in Barcelona. I lost 2 nights nonrefundable hotel in Barcelona and Access America denied my claim and said it was not a covered incident. The refuse to pay even a dime. So basically I paid $500 for insurance and $400 for hotel and received absolutely nothing. IMO, I will NEVER purchase another policy from this company again. What a SCAM!

138. Overall Rating

     Not Rated

     Karen Quick | Aug 18, 2010

     This company is nothing but a bunch of scammers. They cover virtually nothing and do their best to hide it in a multi-page, 8 pt font document they continually refer to as “their policy.” They claimed, AFTER I purchased the policy, they didn’t cover pre-existing conditions meaning that my husband could not have gone to the doctor in the previous 120 days. What’s with discriminating against chronically ill patients??? Since when can’t chronically ill patients travel?? This organization should not be in business and I will do everything I can to see that they aren’t! From all of the reviews I’ve read online, I’ve not found one person who doesn’t feel the same as I do – this company is a fraud and a huge rip off.

139. Overall Rating

     Not Rated

     Richard | Aug 21, 2010

     Access American is a fraudulent travel insurance company. They refuse to pay a legitimate claim for a cancelled Peru trip as Machu Picchu. Do NOT purchase any kind of insurance form this company. They make their money denying legitimate claims.

140. Overall Rating

     SEAN | Aug 23, 2010

     DO NOT WASTE YOUR MONEY ON THIS INSURANCE YOU WILL BE SCAMMED!! UNLESS YOU ARE ON YOUR DEATH BED DRINKING THRU A STRAW YOU WILL NOT GET A DIME. I JUST LOST $407 TO THESE IDOTS. MY WIFE FELL ILL AND OFCOURSE THEY FOUND A LOOP HOLE NOT TO PAY. YOU HAVE BEEN WARNED!!!

141. Overall Rating

     Not Rated

     JD | Aug 23, 2010

     Read the terms and Call them. There is someone there 24 hours a day 7 days a week. And they do have interpreters and translators but you may have to hold for a bit to get them. I’ve had there customer service rep inform me that since my Dad’s been sick, that unless it’s an new unexpectedillness or injury that is not related to the stroke, he or I may not be covered if he got sick and had to cancel. They said because this was the only reason I wanted to purchase the policy, it might not be what I’m looking for. Wow, an honest answer. And they also reminded me that I had 10 days to cancel and get a full refund if I changed my mind and bought a policy. Sure I can understand why some of you might be disappointed but the prexisting condition is something that is noted when a doctor examines the person, not something they automatic stamp on your form.

142. Overall Rating

     Martha | Aug 27, 2010

     DO NOT buy travel insurance from this company. Access America will find loopholes to deny your claim. They have so many unsatisfactory reviews. I should have read the reviews before I purchased a travel policy from them. I am just thankful that I did not have a major medical problem while I was on vacation. They denied a minor claim of mine, just thankful that the claim was not for more money, for I know they would have denied that, too. BEWARE! THIS COMPANY SHOULD BE INVESTIGATED.

143. Overall Rating

     z | Aug 29, 2010

     PLS AVOID THEM AT ALL COST. Carefully read their fine print. Looks like all their policies are set with an objective to not reimburse!!!

144. Overall Rating

     Not Rated

     z | Aug 29, 2010

     Dear Editor,

     Are you getting money to review them? How did you come up with over 4 stars???

     These guys are a bunch of idiots and you better review it based on experience!!!

145. Overall Rating

     sara Mcmillan | Aug 31, 2010

     So i guess none of you read your policies. It will tell you what is covered. Did you see a doctor for the condition before you bought the ticket? then its going to be pre ex condition. Did you even have symptoms? its pre ex. you need to read before you buy. and buy something that actually covers for what you want. Do you really expect a basic $15 policy to cover everything? Its for emergencies and things you dont see coming. I wouldnt cover you either if you knew this was going to happen and then bought a policy. you need to realize that the company is regulated by the insurance board. They are not fraud and their policies and decisions are reviewed.

146. Overall Rating

     Not Rated

     Ann Shipley | Aug 31, 2010

     I’ve had to use their insurance twice – the first time when in Australia when the car was totalled when a kangaroo jumped in front of the car. I had tremendous difficulties with the rental car company involved and Access America stuck with me to get through to the company and paid the tab in full.

     The second time was just recently when I was on the way to a trip to the Gallapagos, got altitude sickness in Quito upon landing and was back in the air returning 7 hours later. Again they paid my claim without undue difficulty.

     I’m a firm believer in travel insurance and have found AccessAmerica to be easy to work with and will use on each and every trip.

147. Overall Rating

     Not Rated

     Bree | Sep 2, 2010

     Hello, I’m Bree with with Access America’s Help Team. We’re sorry to read about these experiences and want to help each of you individually. Please contact us at Help.Team@accessamerica.com.