Travel Insurance Reviews for WorldTrips

Sadly, I was unable to make the trip due to health issues. I was very surprised that after sending in documentation, I received a check in the mail in no time at all. Prompt, courteous phone service. Highly recommend

I filed multiple claims with extensive documentation. They chose to barely communicate with me. Every time I called them on the phone they said they prefer to do communication via postal mail (letters). It took an extremely long time to get any information or decision from them. They generally refused to respond to emails and their phone representatives don't have much information or resources available to them.

In the end they denied most of my claims without reason. They did pay out one of my claims eventually, but they did not notify me about it via email. I just noticed a wire transfer from them my bank statement and contacted them about it and they confirmed it was them. I didn't bother to continue appealing for my denied claims because they take so long to respond and I have better things to do.

Due to very poor communication and customer service, I would not recommend them.

This is the insurance you wouldn't want to get if you are traveling/backpacking overseas. I had to submit my insurance claim forms 3 times through their various customer portal(s) I was given at the time by different customer service reps. They said they hadn't received the forms every time I checked in and I resubmitted and waited till I contacted again. They asked me to wait 30 days at the end of each call, which ended up waiting for 3 months while they were not processing anything. Since I am traveling overseas (hence the travel insurance) I also submitted a wire transfer form so I didn't get paid via check.
Of course when I reached out again, they said they did not receive my wire transfer form and they mailed a check. Several chats and almost 3 months later I got two wire transfers with the help of Insuremytrip rep.
As far as I understood, they were going through a change in their electronic system therefore their service portal was useless. I needed to repeat myself again and again to a new rep in the middle of my travels in Asia.
I would not recommend this insurance to travelers. There are much modern and efficient insurance companies out there.

HCC website is like a labyrint, old-fashioned like back in the nineties. Submitting a claim is a pain in the a** and they take the "reasonable" time of one month to process it, not to say that you need to send a separate form to receive a wire transfer instead of a check. Hey, if you didn't notice, we're in year 2017.... please do something about it. Definitely I will never use their service again. I'm a traveller and I need fast and easy process, not to make several international phone call and receive a different answer every time.

Update 17/9/17
Insuremytrip replied to my comment offering support. After more than one month with not even an reply from HCC, I wrote to Insuremytrip's support. Do you think someone came back to me?

I've been using HCC for years. In August I finally had an accident that required a 3-day hospital visit. I had to pay out of pocket almost $3,000 and its now 60 days after my accident and I have not been reimbursed. The company has given me no updates or time frame for this. My accident and treatment were very standard and clearly fall within the guidelines of coverage. It shouldn't take an underwriter more than an hour to see this and approve it.

I can no longer recommend HCC - they are the cheapest so I guess you get what you pay for. I will pay more in the future for a more responsive plan. As a Yoga Teacher, $3000 is a lot of money which I needed to borrow- I thought the entire point of insurance was to be covered when you have an accident....

I am frustrated that people give them such high reviews. Reviews from people who did not file claims aren't an accurate assessment of the company.

UPDATE: As of 11/29 I have not been reimbursed. I was told that my claim was closed because I did send a from that my hospital sent to them on the day of my accident.The front-line reps are very uninformed- many contradicting each other. The last guy told me it was a bad idea to pay my claim myself (I had to to get my passport back from the hospital), which was exactly the advice I received from HCC several months ago.

When an InsureMyTrip rep contacted them directly it was discovered that 2 pieces of paper were 'stuck' together and they would reopen my claim. Very unprofessional.

UPDATE Feb 2 2016

I finally received my claim check. I was reimbursed for the total amount of my claim, minus a deductible and small fee for the exchange rate.

I'm happy about this, however still unhappy about the 5 months it took to be paid. The company sent 4 checks to me that never arrived and after a number of phone calls they finally UPS'd one to me. How can 4 checks get lost in the mail?

Anyway, look elsewhere. I'm currently using IMG Global as they were very responsive to my questions about their policy, however I have not had to file a claim yet.