AccessAmerica travel insurance - good results

[SmellyFarang 57]

I just received my check from www.AccessAmerica.com from a trip last year when I was hospitalized with an infection (IV antiobiotics, etc). The claim process was a hassle, but mainly due to my "primary" health insurance company.

 

You first have to submit your claim to you primary insurance, and in my case SEVERAL MONTHS LATER my USA insurer (Assurant) finally applied my charges to my "international out of network" deductible (a separate category with a $6,000 deductible).

 

During the wait AccessAmerica sent me a letter saying they had closed my claim due to no response.

 

But once I did get the response from Assurant, I just faxed their letter along with the hospital receipts to AccessAmerica and they reopened my claim and sent me a check for the full amount a few weeks later.

 

So the claim process can be a hassle, but mainly due to first having to deal with your primary insurer.

 

Given how easy it is to rack up serious medical bills, I highly recommend spending a few extra bucks on these guys your next trip.

[jet69 0]

Smelly, not sure why you posted this under trip reports....but thanks for the post. Just what I was looking for. The cost of getting back to your homeland after a bad incident or accident is HUGE. For 100 bucks I can get ticket cancellation coverage, baggage, medical up to 50 grand and most important....coverage to get back home if the WORST happens on a motorbike.

 

For those travelling and don't want a little extra peace of mind, check it out.

[kikc69 45]

If I remember correctly I use Patriot insurance when I travel to LOS. You can customize how much you need and the price is not bad.

[Montydog 135]

[

Edited February 6, 2010 by Montydog

[Montydog 135]

I just received my check from www.AccessAmerica.com from a trip last year when I was hospitalized with an infection (IV antiobiotics, etc). The claim process was a hassle, but mainly due to my "primary" health insurance company.

 

You first have to submit your claim to you primary insurance, and in my case SEVERAL MONTHS LATER my USA insurer (Assurant) finally applied my charges to my "international out of network" deductible (a separate category with a $6,000 deductible).

 

During the wait AccessAmerica sent me a letter saying they had closed my claim due to no response.

 

But once I did get the response from Assurant, I just faxed their letter along with the hospital receipts to AccessAmerica and they reopened my claim and sent me a check for the full amount a few weeks later.

 

So the claim process can be a hassle, but mainly due to first having to deal with your primary insurer.

 

Given how easy it is to rack up serious medical bills, I highly recommend spending a few extra bucks on these guys your next trip.

 

 

 

Why would I accept your advice on travel insurance when you cant even post in the right section on a message board.

 

Edited February 6, 2010 by Montydog