Travel Insurance Reviews for WorldTrips

No problems recovering the money for my claim!

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?

THEY ARE VERY NICE PEOPLE AND THEY ANSWER ALL YOUR QUESTIONS. HOWEVER THEY DON'T PAY YOUR CLAIMS. I HAVE A DOCTOR'S OFFICE VISIT IN NEW YORK AND THEY DIDN'T EVEN PAY FOR THE PHARMACY EXPENSES. YOU WILL SUBMIT YOUR CLAIMS AND THEY WILL ASK FOR MORE AND MORE INFORMATION. THEY WILL LOSE SOME OF THE INFO AND YOU WILL NEED TO RE-SUBMIT YOUR CLAIM. DO NOT BUY THIS INSURANCE, YOU THINK YOU ARE INSURED BUT YOU ARE NOT.

I submitted a claim and I didn't even get a response or reply of any kind. I followed all their protocols, submitted all the documents. It was a simple outpatient claim, for less than 500 dollars, and they couldn't even deal with that. Wouldn't trust my life on them. What if I really needed the insurance for something more serious? Like some accident?
Not recommended at all! Look for reliable insurance somewhere else!

Although we travel extensively, this is the first insurance claim we have ever had to make. We were more than pleased as our claim was considered and promptly paid with no problems. Highly recommended.

We purchased this plan because we were traveling abroad twice - first to Italy and a 12 day cruise in April and then to Norway, Sweden and Denmark the end of August. The day we landed in Oslo Norway we had to take my husband to the hospital because we thought he was having a heart attack. Thankfully, it was not. We traveled the end of August and I am writing this review the first part of November, and we still have not received reimbursement for the medical costs, which should have been covered under this plan. Very poor customer service, no response to phone calls, had to submit the claim forms three times electronically and finally gave up and mailed them in. Would not recommend HCC - Medical Insurance Service Group to anyone!

I had a health issue, for which I was promptly assigned a case manager who provided support in getting the documentation required for the pre-authorisation of a medical procedure I needed and then for submitting a claim. They took almost 2 months in refunding me, but eventually they refunded me in full, so I'm a happy customer.

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.

HCC insurance did not allow you to send any documents or claims by email and you have to mail by courier. If you live outside of the United States you'll incur further costs.