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.

Had travel plans overseas, my mother died unexpectedly. Canx the trip, submitted claim. Access America ran me through the ringer- they first would not accept the death certificate, then demanded I get a doctors evaluation. Getting a doctors write-up proving that this was not an underlying condition (which it said so on the doctors report) still was not enough, and they denied the claim. Ban Orbitz and this company, this is a scam and they need to be shut down. Oh, and this hellish process took over three months! SAVE your money folks, AVOID ORBITZ and ACCESS AMERICA.