Travel Insurance Reviews for International Medical Group

We had planned to take a river cruise that was cancelled a month before our departure. Apparently, the company shut down all operations and eventually filed for bankruptcy. I filed a claim as soon as I discovered what was going on. Fortunately, I had previously printed copies of all correspondence from the company, including copies of their website confirming my cruise details and payment record. Before the bankruptcy was announced, the website was shut down and none of that was accessible. All of this, and more was required to be submitted to substantiate my claim - some of it was requested more than once. In the end, I had to wait many months until the bankruptcy case reached a point where it was obvious that customers were not going to get anything back before a determination of my claim was made, but they did pay my claim in full. As a caution, people who bought trip insurance through the cruise company - even though they claimed it was underwritten by the same US Fire and Insurance company - got nothing because their insurance was worthless once the company went bankrupt.

The is/was extremely confusing. Had a near death medical emergency yet trip interruption qualifications weren't met. How? I'm still confused. Not worth the hassle. Not worth the headache. Despite requesting clarity, Still not clear on what clear on what should have been done to utilize the policy.

After a disastrous, aborted international trip (after missing flight connections on multi-carrier trip) we had to file a claim. The outcome was as we had hoped, the insurance covered all missed and subsequent flight segments, so in the end we only lost around 10% (due to flights we had already taken). The processing time was incredibly long, however that seemed due to the fact, that their main website and processing center was down for a few weeks (so even phone operators couldn't access the cases to provide an update). That was unfortunate, however since we didn't need the refund money right away, it was acceptable. I would assume, that post their IT problems, the processing would be substantially faster (weeks instead of 3 months). This incident was once again proof to us, that explicit travel insurance is a worthwhile expense, if it's an international trip that doesn't come cheap.

I had to cut short a tour this summer because of a medical problem. At home, I gathered all the documents that the insurer required for Trip Interruption and sent the packet to I Travel Insured by Priority Mail. I called the insurer about ten days after the package had arrived according to USPS tracking. The rep I spoke to checked and said it had NOT arrived--but he would check again and call me back in 2 days. Never happened. So I called again, spoke to someone else and got same response even after I had sent USPS tracking showing the date and time it had arrived and that it had been picked up that day. Neither rep said "sorry," "must be a problem at our end,"--nothing the least bit concerned or helpful. I then contacted Insure My Trip, and they
were extremely helpful!! They contacted this insurer, and, lo and behold, they DID have my packet of documents.
The Insure My Trip person stayed on my case until the claim was approved and my check arrived. 5 stars for Insure My
Trip, no stars for customer service for this insurer, but they did end up paying my claim, thanks to Insure My Trip.