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What to do about Travelguard denied insurance claim?

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Oct 28th, 2013, 10:17 AM
  #41
 
Join Date: Jan 2003
Posts: 8,611
Not sure where is home for you, but you may be unfamiliar with the claims/reimbursement system in the US. You mentioned that the clinic wanted to bill directly. If they did direct billing, you have no way of knowing how they coded their claim. A single visit for an uncomplicated injury usually would not trigger the sort of follow up questions you describe.
Seamus is offline  
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Oct 28th, 2013, 11:28 AM
  #42
 
Join Date: Jan 2003
Posts: 12,376
"cherishindigosaffron on Oct 27, 13 at 9:04am
ps Icuy - I see you have commented on other sites and defended Travel Guard. I do not believe your comments to be unbiased."


Of course I'm biased! I have a serious medical condition, but make at least three international trips a year. I always purchase a TravelGuard policy that covers pre-existing conditions. TravelGuard not only gives me peace of mind, but they've given me great service!

I don't get any kickbacks or discounts from the company, but I think the fact that they pay their claims promptly is worth mentioning.

You on the other hand, are mad because you think they should have just trusted what you said. Sorry, it doesn't work that way. They wanted proof that this was not related to previous illness and in the end were able to verify that by speaking with your doctor.

You should be happy your claim was paid. Next time, get the pre-existing coverage so that past history will not be an issue.

BTW, surely there are more interesting ways to live your life than surfing the Internet seeking "other ways to promulgate my dissatisfaction with Travel Guard".
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Jan 3rd, 2014, 04:20 AM
  #43
 
Join Date: Jan 2014
Posts: 1
just 6 weeks ago i was on leyte during the typhoon. i lost everything i had, clothing, netbook, almost everything i traveled with, almost 40 kilos of belongings, everything. we had little food, no electricity, water was dirty and had to be boiled. during the storm a sliding glass door imploded and cut me across the leg 6 inches long and 2 inches wide. the house flooded with water, debris and sewage. we had no phone service, and when the phones finally came back on they were dead,.. no way to charge them. when the flooding went down enough for my fiance to get out of the subdivision, it was the following friday. there were a few relief workers but little food and no medical assistance. she was able to charge a phone and call her sister in canada. her sister got us tickets on a flight to manila. we had to walk the 7 kilometers to the airport in tacloban city. there were some australian rescue workers, there who cleaned and fixed my wound, it had become infected. i had hoped to get my claim expedited, since the whole world knew of the disaster, and were sending help from all over the world. i had a school childs backpack with all i had left in it, dirty clothes, flip flops, and a few pair of bathing trunks. travelguard said that they would investigate it and would get back to me in 4 weeks. after that, they said further investigation was needed and would get back to me in another 30 to 60 days. im still waiting. if you are traveling abroad you would be better served to look elsewhere for your travel insurance needs. if a disaster like typhoon yolanda requires further investigation, after sending them 18 pages of recipts and paperwork, then you will have very little chance of compensation no matter what your disaster may be. i will pursue this matter relentlessly until i am compensated for my lost baggage. i would advise others to get more reputable insurance. im still waiting in manila.
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Jan 3rd, 2014, 04:44 AM
  #44
 
Join Date: Aug 2006
Posts: 1,711
Sorry to hear about your horrible experience. To give you some reassurance that your claim will eventually be paid I'll tell you my story with Travel Guard. Several years ago, I flew into JFK from Egypt. JFK was closed due to a blizzard, an hour before my plane was to land, and all flights out were cancelled.. My plane was diverted to DC where we sat on the tarmac for hours until JFK eventually opened, about 12 hours after my plane was originally due to land. Obviously I missed my connecting flight, had to pay for a hotel, taxi, ect. Even though the insurance company knew that the airport was closed(It was big news), they made me send in all sorts of documentation and letters from the airline to that effect. Eventually my claim was paid, but not without a lot of back and forth via letters, phone calls and emails. So I do think your claim will be paid, but you will need to send the insurance company the documentation that they require/request. Good luck.
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Nov 15th, 2014, 07:36 AM
  #45
 
Join Date: Nov 2014
Posts: 1
In July, 2014, I purchased a policy with Travel Guard for Cancel for Any Reason. My trip was scheduled to take place on October 8th and I have a six and three year old, so I thought this was the prefect policy.

As will most situations when you have children, trip time came and I had to cancel, the hotel was not an issue but the flight insurance I had purchased turned out to be a nightmare.

Travel Guard issues policies under false pretenses. They claim cancel for any reason and then want to charge an additional 25% of your trip cost, the $350 premium wasn't enough.

From now on all policies will be purchased via American Express, I've had enough of jumping through hoops and responding to emails to get MY MONEY back.

VERY BAD BUSINESS PRACTICE. Will never buy again
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Nov 15th, 2014, 08:35 AM
  #46
 
Join Date: Mar 2003
Posts: 2,032
saralove, Travel Guard's Cancel for Any Reason coverage is right up front that only 50% or 75% is covered/reimbursable. Granted it may have changed since July but they are bring straight today.
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Nov 29th, 2014, 06:45 PM
  #47
 
Join Date: Mar 2003
Posts: 153
I hate to hear all this about Travelguard since I just insured a trip with them -- travel guard was recommended by both the tour company and my travel agent.

I do have experience with using travel insurance. I was booked on a trip to France in April 2010 (all flights to Europe cancelled due to the Icelandic volano). I had insurance through TravelMate. I am not sure how long it took, but I received a full refund (less deposit and cost of insurance)with very little hassle.
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