They DO NOT PAY! They would request more and more forms until you drop the claim. It's a shameful scam!

I wish I had done some research on Access America BEFORE buying this insurance during the purchase of my flight! My family is on a work assignment in Germany, I received a phone call that my father had a slight heart attack and made the decision to fly back to the United States. I purchased the insurance in case his health did not improve during the week I was scheduled to be there. Unexpectedly my father went into renal (kidney) failure and passed away. I contacted Access America and told them I would need to extend my trip for funeral arrangements. I was told..."No problem, you'll just need a copy of the death certificate". Upon returning to Germany I sent in the documentation of the death, and expense of the flight change. The company has denied the claim saying that because the death certificate states that he went into kidney failure one week prior to his death, this is considered "A PRE-EXISTING condtition"! The insurance was purchased on the 28th of January, and my father died on the 4th of February, so even with this denial I knew this was 8 days from purchase to death and I figured they would have to cover. Now they are saying that the policy didn't go into effect until the 29th of January so therefore WAS within the one week period. What a Joke! I can't believe a company is allowed to operate so "SHADILY" in our country! And what are these airline companies doing using these UNRELIABLE company's within thier websites???? This is not over.

I booked my daughter's holiday visit thru Orbitz who use Access America as their supplier of trip insurance.

My daughter's Boxing Day flight out of Victoria to Vancouver was canceled due to a snow storm. Air Canada's first available rebooking was 5 days later and it required an extra day layover in San Salvador so we were looking at a 6 day interruption on a 16 day vacation. I went online and found flights for the next day on American Airlines thru Seattle. We had trip interruption & cancellation insurance so they would cover us for the difference right? Well I got my daughter to call Access America to double check (I couldn't call because Access America doesn't accept collect calls from Belize) and they told her "no problem". I booked the flights & got my daughter to cancel the rebooks. I also went to Access America's website & initiated a travel claim.

The net cost to us for the flight changes totaled $536US but Access America is refusing to pay. In the fine print of their insurance policy under cancellations due to weather it states "Your airline, cruise line, or tour operator or travel supplier stops offering all services for at least 24 consecutive hours where you’re departing, arriving or making a connection..."

So it does not matter that Air Canada couldn't fly between Victoria & Vancouver for 2 days or they couldn't get us replacement flights until 5 days later, as long as they could make one flight to Timbuktu, we aren't getting reimbursed.

InAccessible America, besides not having a collect number from Belize, have a claims appeal department that appears to be blocking my email and a claims inquiry department that manages to lose email attachments.

I too got stranded in route from Phoenix with a lay over in Philadelphia. Due to bad weather, the flights were canceled.. and since it was bad weather US Airways was under no obligation to pay for a hotel. After spending an entire day with the airlines, the only way to get home was AMTRAK train. After filing a claim for the additional expenses to get home, access America Denied the claim stating the airlines must have complete cessation of all services for 24 consecutive hours. How bent is that? Us Airways could have done a better job at rerouting customers that day, including me.. but I guess since they are not obligated.. why should they?

I bought a airline/hotel package from Cheaptickets and purchased the insurance from Access America. The purpose of the trip was to visit a relative diagnosed with cancer on 8/28 (I bought the trip on the 29) I had to re-schedule my departure date because my relative became terminal and now access america is refusing to reimburse me almost $700 to make this change (I change my departure date to 2 days early) and are stating it is because my relative had a "pre-existing condition"

Cheaptickets and access america are clearly commiting fraud