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To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.
How We Count Reviews: Our online review database contains over 100k reviews and ratings collected directly from customers via our site and third-party platforms. All reviews have been verified as honest ratings from real travelers like you.
InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.
Although it is never pleasant to hear that your claim was denied, this was a fair denial of coverage according to your policy terms.
(1) According to page 1 of your TravelSafe certificate, "Travel Delay: Coverage begins after You have traveled 50 miles or more from home en route to join Your Trip. This is Your “Effective Date†and time for Travel Delay." Since you changed your departure date back on 09/13/2017, which was before your original departure date of 09/22/2017 and before you traveled 50 miles or more from home, you would not have a valid Travel Delay claim under this policy.
(2) You also indicated in a previous email that "No charge fees or penalties have been incurred. There are no claims or pending claims at this time." Voluntarily changing your departure date prior to departure and incurring the expense of an additional night in a hotel would not qualify under this policy as reasonable expenses for additional accommodations according to page 5 of the certificate:
"TRAVEL DELAY
Benefits will be paid up to 0 per day for reasonable accommodation, meal, and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You are delayed for 6 hours or more while en route to or from, or during Your Trip..."
We appreciate your cooperation in providing additional information for this review. We also hope that you may change your mind in the future and call us to discuss coverage for a future trip. We can be reached at (800) 487-4722 weekdays 7:00 AM to midnight ET and weekends 9:00 AM to 9:00 PM.