Very misleading advertising. Bought insurance because family member was having surgery and required post-op care. Family member became ill and surgery was delayed 30 days. Not covered by Acess America because of exclusion #13 - Any event that insured could have reasonably expected or foreseen. Thats the whole premise behind insurance - if I could have forseen the illness, I would not have booked the trip! If the surgery is scheduled (knee replacement) then it is a pre-existing condition! Don't waste your time or money with the company!

I will never buy insurance through Access America again. It have been totally screwed over by them twice now. The first time, my daughter got sick and we were not able to make the flight to our friend's wedding. On the phone that morning, the agent told me that is my husband re-booked the flight for a day later, once my daughter could be seen by the doctor the change fees and difference in fare would be covered. We went ahead and did that for his ticket only and the additional cost to us was over $1000 which we would only have done under the guidance of the agent. Of course the ticket is bought and now the next agent we speak with says we were told wrong and would only be reimbursed the $350 cost of his ticket. Loss: $650 due to misinformation by agents.

Second incident: We (stupidly) again bought insurance for our trip to Quebec. Our flight home to Newark was canceled and re-booked 4 TIMES by continental (a whole other complaint i should file). At first we were told by their agents that we qualified for "travel delay" coverage, which would be up to $200 pp. After the first day when i called back they said that because the cancellations went over 24 hrs (it ended up being over 2 days) that the coverage would now fall under "trip Interruption" since there were no flights being offered out of quebec to Newark on Continental., which would cover up to $412.16 pp for meals/transport and accommodations related to the delay. Saved receipts filed claims...We get 2 checks for $200, claiming that when they looked up the airline info there was 1 flight that left Quebec to Newak on Continental- a flight that we were not on nor offered by the airline, and due to this, we did not actually qualify for Interruption coverage. Access America again misinformed me and again weaseled out of paying the money that their agents led us to believe would be coming. Loss #2: $320.

Pitiful!

My girlfriend and I purchased a vacation trip to New Orleans scheduled for September 2-6, 2008. We bought the trip from Book It.com. The package included round-trip air and 4 nights in a hotel. Also, we purchased travel insurance from Book It with their insurance partner Access America.

Hurricane Gustav hit New Orleans during the time we were to be on vacation. We wisely canceled our trip through Book It and filed a claim with Access America since weather related emergencies are covered.

Now comes the scam: Access America is denying our claim.
I contacted the claims agent thinking this was some sort of
mistake. However they are still refusing the claim. They want me to prove I canceled my trip due to the hurricane. I provided documentation that the airport was closed, the entire city was evacuated, and all flights were canceled. Everytime I provide information, they request more. It is obvious they are looking for a way out of paying my claim.

The amount is not that much ($311 each) it is a matter of
principal that I'm bringing this to your attention. It is obvious that the travel agency and the insurance company are in cahoots on this scam. They are bundling the insurance into the travel packages with no intent on ever paying a claim. The policy covers weather emergencies, but they are using fine print to avoid meeting their common-sense responsibilities.