Access America Travel Insurance

My original travel plans were to take me from Naples, Italy to Frankfurt, where I would connect to a flight to Toronto, spend the night, then fly home to Houston the following day. Our plane from Naples was delayed due to weather.

We arrived in Frankfurt after our connecting flight had closed. Lufthansa put us on a direct flight to Houston the following day and comped us a hotel stay in Frankfurt that night. I was in an airplane before I knew I would not make it to Toronto and could not call to cancel the reservation before the deadline, so the hotel charged me.

Access America denied the claim for the cost of the hotel room because they claimed my Toronto hotel room was "A pre-paid expense." It was not. I have had success with Travel insurance before; this company is a sham.

ACCESS AMERICA ACTUALLY DESERVE NEGATIVE 5 STARS, THIS COMPANY IS A SCAM DONT BUY INSURANCE FROM THEM. DONT WASTE YOUR MONEY THEY WILL MAKE IT SO DIFFICULT TO YOU AT THE MOMENT OF FILLING A CLAIM..THEY WILL ASK FOR PROOF OF AND DOCUMENTS THAT DONT EVEN EXIST TO MAKE IMPOSSIBLE FOR YOU TO FILE A CLAIM AND NO PAY YOU.

CROOKS, THIEVES, SCAMMERS...THEY SHOULD BE SHUT DOWN....AND THEY WILL I HOPE IT'S NOT TOO LATE.

THEY ACT SO NICE AT THE MOMENT OF SELLING THEY BS INSURANCE. I DONT KNOW WHY THE GOVERMENT DON'T INVESTIGATE THESE CROOKS.....

Access America is a joke. Hurricane Irene hit and cancelled our flight on 8/25. Jetblue had no seats available until 8/27. That's over 24 hours. I submitted all of the paperwork including a letter from JetBlue indicating no seats available until 8/27.

They DENIED the claim. Access America states that the airline was operating on 8/26. I knew that and so did Jetblue, but there were NO SEATS AVAILABLE per JetBlue. Apparently, Access America doesn't care as the airline needs to stop flying completely for 24 hours to approve an insurance claim. But since there are no seats available, I could not take my trip but Access America denied the insurance claim because JetBlue was still flying there.

YES PEOPLE, you read correctly, its NOT a mistake. My flight was cancelled but since the airline flew to my intended destination the next day, the claim was denied even after I sent them a letter from Jet Blue stating that there are no seats available until 8/27.

TOTALLY deceptive and I'm disgusted. Not only was my families trip ruined, now I'm dealing with this.

STAY AWAY from Access America and if Jetblue doesn't offer another insurance carrier, stay away from them as well.

You've been warned.....

Based on a recommendation on Delta Airlines' website I purchased travel insurance from Access America. Subsequent to purchasing the ticket my wife received a diagnosis of cancer from the findings of a routine medical examination.

We had no reason to expect this diagnosis, otherwise I would not have spent $461.80 for the ticket and $26.55 for the travel insurance.

Today I received a denial of claim for refund of the ticket purchase from Access America, citing my wife's cancer as a preexisting condition. As far as I'm concerned, Access America is a bunch of crooks and Delta Airlines is nothing more than a shill for their ***.

Access America IS A RIP OFF --- I bought tickets to go on a trip to New Orleans in June- My trip was to leave Norfolk on the 26th of Aug and return on the 28th of August. When hurricane Irene showed up we were FORCED (we live in mandatory evac site) to leave our home. The hurricane hit on a Saturday (we were forced to evacuate on Friday) and technically my flights where Friday/Sunday and they were not delayed, so I called to file a claim I was told that "this was not in the policy" -- because you guessed it Friday/Sunday and they were not delayed. I am never going to buy another orbitz ticket and as well as let everyone I know that when you buy insurance from Access America don't count on 1 single bit of help! Also when I asked to speak to a manger I was told that they were not in the office and my specialist was going to talk to him and call me back -- that is nutts. I WILL NEVER BUY ANYTHING FROM ORBITZ OR ACCESS AMERICA AGAIN - ps it was only like $350 –

Also they had the audacity to ask me "could they be anymore more help?" – I then explained to them that they where no help!

I am going to post this on every complaint page i can find -- FYI access america -- if someone can help me i will remove all of them -- I've done about 20 so far

Access America is as unscrupulous as they come. They are the embodiment of everything negative you hear about insurance companies.

They denied a medical claim stating "pre existing conditions" even though the medical condition was not discovered until after the flights were booked. We have documented proof that the condition was not discovered until after the flight was booked, but because there was a routine doctor visit some 3 months prior, it was denied. They are a scam.

I cannot believe their audacity. Shame on you Access America, and shame on Delta Airlines for allowing them to provide flight insurance.

Access America will not pay legitimate claims. I asked the agent if they denied I had bought airline tickets, if they denied that I (stupidly) bought their insurance, if in fact I did not go because my sciatica prevented me from going.

That I never used the airline tickets. They accepted all of that as true. But I did not go to a doctor with 72 hours of not taking the flight. Of course none of their correspondence told me that.

I pulled it out of them, but after reading some of the complaints on this site, it's clear that even if I had gone to to doctor with 72 hours (I didn't because of 1)ignorance of the requirement, and 2)already had back surgery scheduled for three weeks later), I had a pre-existing condition which would have disqualified me ever having my claim paid. It is a rigged business. You pay them and when you do they know full well you're never going to get a cent back. As I told several of their agents, they should be ashamed of themselves.

Access America is probably within its legal right to flim flam folks, but it's lack of ethics is appalling.

I was in Milwaukee in transit to New York. My flight was cancelled.

The airline said they could not get me on another flight until a day and a half later. I chose to get a flight to another city 300 miles from NYC and took a bu the next morning, in order to make a mid-day meeting. Huge inconvenience - huge delay, huge disruption. Though my flight was canceled and the airline could not get me to my destination within the next 24 hours, this company's "flight disruption and cancellation definitions" conveniently ruled out my claim.

I found this company to be both deceptive and uncaring about a customer who thought he was purchasing flight insurance. I do not recommend doing business with Access America.

When the riots broke out in Egypt and other countries in the Middle East, we canceled our trip, but access America denied our claim because they don't cover that event. I know they had an exclusion in the contract, but who would want to take a trip into riots and why wouldn't it be covered?

I am certain they just sit back, collect the premium and then deny all claims, and grin a lot. I guess all of the crooks aren't on Wall St, or in our nation's capitol.

I wish I had read the complaint files before I purchased the coverage. A lesson learned for me.

Access America is the Stupidest plan anyone can buy for. They fool you when you buy the policy by having smaller letter disclaimer.

I had a situation and i had to cancel my ticket for unplanned infertility treatment which would cost me 15K dollar if i cancel it. THESE *** customer reps didn't consider that emergency.

Such a *** ladies they have for call center who tries to be sweet but u can make out they are just acting.Well just wanted to share my experience and let you all know to not be fool in buying their insurance policy.. because its TOTALLY USELESS.

Our claim was denied as a pre-existing condition as my husband has cancer. For those of us who have experienced cancer in our lives know that the disease is an ongoing fight that will always be part of our lives and we never know when problems will arise.

Just because you have cancer does not mean that you're not healthy enough to travel, many people are living with cancer and enjoying each day to the fullest.

To deny coverage as a pre-existing condition is morally just not right.

Another instance of the insurance companies willing to take your money, but refusing to pay out.

I purchased "no fault" travel insurance for a vacation my wife and I booked thru our agent. the morning we were to leave, I awoke with a respritory ailment and she with an infection.

rather than travel in misery, we cancelled the trip, visited our physician and proceeded to travel 4 days later. Upon our return I filed a claim with Access America. I faxed them them their un-godly form and rec'd no response. I called them 7 days later and was told I needed more forms.

When I asked how long they were going to make me wait they said something would be mailed. To date (25 days later) I still haven't rec'd anything. I got the additional forms they required and fax'd them with clear instructions to contact me acknowledging their receipt. 5 business days later, still no contact.

I e-mailed their customer service demanding an ETA; no response. I tried Customer Service and that term cannot be more loosly associated with this insurance company. If you have a choice when you book travel, DO NOT BUY from Access America.

They are not for you!

Reference Policy #E155*****-001, I was refused payment for trip cancellation (For Medical Reasons) of $150.00 due to using Air Miles. 10,000 of these Air Mile were purchased out of pocket in the amount of #298.75 to reach the needed mile for the trip.

No where in their Confirmation Notice did it refer to not covering Air Miles, or the purchasing of Air Mile, which in fact is an expense to the purchase of a ticket.

What it did state is "Up to amount purchased" The Confirmation Notice is very deceiving. Their refusal is unjustified.

Janet Blum

There is really no point in spending additional money for this you will never get money back or any type of protection if you cant make your flight. Youd think that getting this would give you a piece of mind but NO.

So im out 550 dlls, that could be 2 car payments for no reason. Most of the situations that can keep you from making your flight are already covered by just purchasing a ticket. This insurance policy make no sense at all.

its a scam that access america has been getting away with... Their policies need to be reviewed and done away with.