You will NEVER COLLECT CLAIM $!
Don't ever buy travel insurance from this company. Everyone I've spoken with who knows anyone who has filed a legitimate claim Access America has NEVER collected!!! Apparently, they are a FRAUD!! I have suggested to Continental Airlines that they obtain a new travel insurance company.
In November, my mother was supposed to fly to Portland, OR, but we bought the insurance since we had purchased the ticket 3 months earlier. She injured her back and hip and ended up in the hospital, obviously unable to fly! The doctor filled out their stupid LONG claim forms and signed, stamped, sealed and sent them back. DENIED!! No logical reason, they just said that the claim did not comply with their "standards" and would not explain further. The "supervisor" I spoke with was not very bright and extremely unhelpful. This company needs to be on 20/20 on TV so that the entire country can know what a rip off it truly is!!!