InsureMyTrip Reviews (%countItem)
InsureMyTrip Rating
Address: 100 Commerce Dr, Warwick, Rhode Island, United States, 02886-2430
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I took out a travel Ins. policy on 3/11/20 through Insure my Trip (Nationwide) for a trip 3/28/2020-4/4/2020 which included a cruise and flights. Both of these were cancelled on 3/13/2020, and were moved to a later date. My new cruise and flights were $600 cheaper.
I immediately called Insure my Trip (Nationwide) to inform them of the changes. I was sent a letter with instructions on how to move the policy to the new trip, pending approval from Insure my Trip (Nationwide). The letter came 4/8/2020, but with no adjustment for the cheaper trip, even though the price of the policy was based on the cost of the trip. I called Insure my Trip (Nationwide) and their response was they have a 10 day cancellation/refund policy so there would be no adjustment or refund to the new transferred policy. I explained that the other parties in this trip have been more than glad to refund any extra money paid even though it wasn't their policy to do so either. In speaking to *** from Insure my Trip (Nationwide), she said I could refile this claim, but to this date there has been no one getting an adjustment. This situation is unprecedented. This is a poor practice and I feel that I (we) have been taken advantage of at this time.
Again, I did not ask for a refund, only an adjustment for the difference in policy cost and was denied.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
This response is unsatisfactory to me. I know the time line to change or cancel the policy has lapsed. The trip was canceled on March 13, 2020 due to circumstances beyond my control. My point is that both the cruise line and air carrier have the same or stricter cancellation policies and gladly refunded the extra amount. Under any other circumstances I would'n even make a request such as this! There are now TV commercials that *** and *** companies are giving refunds for car insurance policies because of the stay at home orders from our government officials. I am not even asking for a total refund. Just the difference for the lower cost trip. Nationwide acts like they are doing me a favor, that's not how I see it. This I just wrong!Let me ask you this question. God forbid I have a claim on this policy that originality was $3,360 and that is what I paid for. Since my new trip is only $2,752 but I paid for a trip that is $600 more, would I get the higher premium pay out?
Regards
This policy was purchased on 2/17/2020 for a trip in March of 2020. The policy has a 10 day review period in which insureds are able to cancel the policy or make any changes that would result in a premium refund and Nationwide would refund the amount due. Because the request to change the trip was outside of the 10 day review period (3/11/2020), no refunds were due to the insured. Nationwide was willing, however, to move the policy to the new trip in September of 2020 at no additional premium even though they are insuring a longer period of Trip Cancellation. This exception request was completed on 4/8/2020.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[You must provide details of why you are not satisfied with this resolution.If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
Regards
Thank you for your response. We have to abide by the policy certificate and the insurance provider, Nationwide. We do appreciate your concerns, however, Nationwide has applied this policy to your future trip so that you have coverage should you need to file a claim in the future. To answer your question, yes, you are currently insured for the total trip cost of $3360, should you need to file a claim up to that maximum amount.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
I received your letter yesterday that after you got your response from Nationwide and that they refused to issue a refund for over payment on an existing policy, you just rolled over and played dead, and accepted their position. So much for helping the little guy. So much for negotiating and trying to help the consumer. I guess the travel insurance industry has a different standard than corporations like *** and *** when it comes to unprecedented circumstances. I am disappointed with your decision, but am I in no way going to let it go. They are getting untold amounts of money from people who are in the same situation we're in. We have a department of consumer affairs in the state of ***, and the federal government also has a department governing this type of activity. I will continue on my quest to make us whole from this company. My opinion is this is not illegal according to their policy, during these times of a national emergency it seems highly unethical to me that they would hold this small amount of money from people.
Regards
I purchased trip insurance for a *** trip on ***. All trips on *** through the beginning of May were cancelled due to the corona virus. All insurance companies know this, but I sent them a letter from *** stating this. I paid 422.78 for my sister and I and requested a refund as they did not insure a trip since the trip was never taken. Insure my trip referred me to the insurance company, and the insurance company bounced me back to the company that I bought the insurance from, Insuremytrip. Insuremytrip will not reimburse me. I feel like a human yoyo. How can they just pretend that everything is business as usual when the whole world has come to a screeching halt.
On 3/12, this insured called us to let us know her trip was canceled and we advised her of the proof we needed to consider an exception for a premium refund.On 3/18, the insured email us to say the same thing. We replied to the insured's request with:We will be happy to send an exception request to *** to cancel your policy for a refund. Please provide documentation showing that the trip was cancelled and refunded and we can request an exception to have the policy cancelled and refunded. The attached document from your cruise line does not show that the trip was cancelled and refunded, so we can not send that as proof of cancellation to the insurance provider. On 3/26, the insured replied with:I was told that the cruise line may take up to 2 billing cycles to process the reimbursement for the trip. As soon as I have it, I will forward it to you. At this time, all of the *** cruises are cancelled until at least May, when they will reassess.We are now waiting on her to send us the proof she mentioned she will have soon and then can proceed with the refund exception request. There has been no other correspondence with InsureMyTrip, except for these three instances.
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***. I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards
I purchased a travel insurance through Insuremytrip for my upcoming trip to *** in October. I paid $300 for it.
On 2/10/20 I canceled this insurance. I called 4 times, emailed 2 times asking for refund.
As of today 3/8/20 I still didn’t get the refund and no estimated time was given to me.
I apologize for the delay in service. *** (your insurance provider) had technical issues that took weeks to rectify. We have reached out to *** and they have confirmed that the cancellation request has been processed and your credit card has been refunded. *** has also sent an email to you to confirm this.
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[You must provide details of why you are not satisfied with this resolution.If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
Regards
We purchased travel insurance for an October 2018 trip to China from Insure my trip. WE paid in full at the time of booking our trip which gave us a 100% cancel for any reason benefit. Our tour company *** went out of business in August of 2018. We received 75% of our trip cost from Insure my trip or $3621.36. Our policy states trip cancellation is paid at trip cost. We have had numerous emails and phone calls to no avail.. I feel that their benefit claims are very misleading and false
Dear Mr. and Mrs.,Thank you for reaching out to us via the Revdex.com, and I apologize for the confusion surrounding Cancel for Any Reason coverage. The insurance company you insured your trip with, like most, only reimburses 75% of the trip cost under the Cancel For Any Reason benefit. Had this been a listed covered reason on your policy, reimbursement would be 100%. Details about the 75% reimbursement rate would be spelled out in the insurance coverage summary that you received via email immediately after purchase and on our website prior to purchase. That said, I encourage you to always feel free to call us at before purchasing a policy so that we can go over these details with you prior to purchase. There are no plans that I'm aware of that would reimburse 100% under the Cancel For Any Reason Coverage. Thank you again for your business and taking the time to reach out to us to share your feedback.Sincerely,***Director of Customer Care
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***. Please add your rejection comments below.
Policy says trip cancellation 100% reinmursement. Your policy and ad is very misleading at the leastRegards
Thank you for your reply. I verified that the 75% reimbursement is both on our website and in the policy summary. This information was available to you before purchase and after purchase. I will have our Customer Advocate Team Leader, ***, reach out to you shortly to see if we can be of any additional assistance. Also, I see that you reviewed this policy on our website giving it 4 out of 5 stars after filing your claim. Thank you again for your feedback, and *** will be in touch within the next business day.Your Review Details: Overall Rating Trip was cancelled due to the company going out of business. C&F only covered 75% of the trip instead of the 100% cancel for any reason as a company going out of business is not one of the any reasons listed at 100%. Main reason to buy travel insurance is to cover if the company goes out of business! Claim was handed fast and I had a very pleasant agent. Just not happy that they only covered at 75%
Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***. Please add your rejection comments below.
Also had the cancel for any reason 100% rider.
Regards