Travel Insurance Reviews for WorldTrips

Thank you for your review. We are very sorry to learn of your recent experience. We have shared your review with Tokio Marine HCC to review and to investigate further to ensure this does not happen again. Please call us, InsureMyTrip, at 800-487-4722 if you have any questions or concerns and we would be happy to address them.

Thank you for your feedback on the policy. We are sorry to learn of the unfortunate events that occurred during your trip. Acting as your advocate, InsureMyTrip contacted the claims department to assist you with the claim that went unpaid. The representatives informed us that the claim was adjudicated in accordance with the terms and conditions of the policy.

As you and your travel companions purchased different policies this caused the policies to differ in slightly. Unfortunately, the policy you purchased did not have a Missed Connection benefit where your traveling companions policy offered this. The best way to avoid this situation in the future is for traveling companions to purchase with the same provider. Please feel free to call us at 800-487-4722 if you have any questions or concerns.

Thank you for your review. In the US you may present your medical identification card to your physician or other health provider who would require minimal, if any, payment up front. However, travel medical insurance is different. First of all, Tokio Marine HCC is not Primary coverage which would pay FIRST before any other collectible insurance. It is Secondary coverage that would reimburse you only after any other Primary collectible insurance has paid the claim and the Primary policies' limits have been exhausted. There is also a Pre-existing Condition exclusion with a 2 year look back period that must be reviewed before Tokio Marine HCC would pay their share of your claim.

We regret that you were disappointed in the handling of your claim. However, it is important that travelers understand that along with the coverage that your travel medical plan provides, there are also limitations which may be reviewed prior to purchasing your policy.

InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.

Thank you for your review. We are sorry to learn about child's illness. Upon speaking with the insurance provider it appears the medical claim was paid, subject to the deductible selected on the policy. In terms of the trip interruption claim, it appears the reason for interrupting the trip, although serious, was not related to a listed covered reason, per the certificate. You do have the right to appeal the claim, and the link to proceed with the appeal was provided by the insurance provider. In the future we encourage you, and all customers, to call us prior to purchasing the insurance and we can assist you with purchasing a policy based on your primary concerns. To speak with one of our licensed representatives, please call us at 800-487-4722. We are open 7am to Midnight EST Monday through Friday and 9am to 9pm EST Saturday and Sunday.

After advising the insurance provider on this review, Tokio Marine HCC (TMHCCMIS) contacted the insured. One of the insureds had a medical emergency for which TMHCCMIS paid the air ambulance bill. However, in order to determine if the medical bills were covered under the policy, TMHCCMIS needed additional information from the insured, so they reached out directly to the insured to obtain this information.

We also received the following update from the insured:

"Just to follow up on previous complaint about the insurance I purchased. I realize you are the broker and not the actual insurer.

But finally after 7 months they have reviewed my case and agreed it was handled wrong. They will be reimbursing me for the portion they denied earlier for cost to be at bed side. They agree that they will pay the cost of the onboard medical (they just need a copy of my insurance denial), and will reimburse me for my out of pocket medical expenses for 2018 and 2019.

Although I am grateful for that at a time when my husband was literally hanging to life and supported 100% on mechanical life support and now on heart transplant list is not when you want to fight these battles.

At least the company is using my situation for training on how to manage and what they do for such extreme cases as ours."

Thank you for your continued feedback. Although we are pleased to hear that HCC has paid your claim, we regret to hear that you had so many issues with this claim while going through such a critical time. We wish you and your husband best wishes for the new year.

Thank you for your feedback on the policy. We are sorry to learn that your wife missed her flight during her trip. Acting as your advocate, InsureMyTrip contacted Tokio Marine HCC Medical Insurance's claims department to assist you with the claim. The claims representatives verified that the claims were adjudicated in accordance with the terms and conditions of the policy.

Unfortunately, it was determined that the event that interrupted her trip did not fall within the scope of Trip Interruption for this specific plan.

As you mentioned the certificate states the following under Trip Interruption: "Your arrival on the Trip being delayed due to a Hazard that causes You to lose 50% or more of the scheduled Trip duration"

We appreciate you using InsureMyTrip for your travel insurance needs. As a travel insurance comparison website, InsureMyTrip offers dozens of plans from different providers. In the future, please consider calling us prior to purchasing a plan so that we can assist you in selecting the most cost effective policy that covers as many of your primary concerns as possible. Our toll free telephone number is 800-487-4722. We look forward to assisting you in the future.