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Access America Complaint - You will never see your money again - Travel insurance

Travel insurance - Complaint
Review by Kilroy238 on 2009-08-09
RICHMOND, VIRGINIA -- Well my story is simple. I live in China and bought my tickets early to get a good deal I have had problems before so this time I got trip insurance. What a waste of money. I was told my legal reason was not a legitimate claim. My wife denied her Visa to America. Sorry but how in the hell is that not a valid legal reason. She can't even board the air craft. They told me it was not a good enough reason.


What a rip off. Avoid this place like the plague.

Here is a list of things on their general exclusions list.

The following events:
· any problem or event that could have reasonably been foreseen or expected when you purchased
your plan
· an epidemic or pandemic
· natural disasters like hurricanes, earthquakes, fires and floods
· air, water or other pollution, or the threat of a pollutant release
· nuclear reaction, radiation or radioactive contamination
· war (declared or undeclared), acts of war, military duty, civil disorder or unrest
· terrorist events
· financial default
· unlawful acts

So if where your going to has just been blown up with dirty bomb your just SOL.
Comments:
Posted by Ben There on 2009-08-09:
Travel insurance is designed to protect your investment if you can't travel due to unforseen problems like illness, death in the family, loss of house, etc... Not being allowed entrance into the USA is like a pre-existing condition, unfortunately. It is impossible to know if I will have the flu in 4 months, but I can find out if I will be granted a visa for another country by doing my paperwork before I buy my nonrefundable tickets. If anyone already has a reason they will probably need to cancel (might not get a visa, might get called into military duty, etc...) then he or she really needs to ask questions before purchasing a policy.
Posted by PepperElf on 2009-08-09:
the last time i travelled across a border

over a month before the trip i made sure i had all of the documents in order to cross the border and to cross back.
Posted by Kilroy238 on 2009-08-09:
Ugh Ben you do a lot of international travel as a non American citizen because one of the things you are required to show is your return ticket information to China.
Posted by Buddy01 on 2009-08-09:
Your wife not being able to get a visa falls under the first exclusion you list.
Posted by Ben There on 2009-08-09:
When I have applied for visas in the past, I always made a reservation and sent that in with my paperwork... This was done before I paid for the ticket. I would just send in the record locator and itinerary.
Posted by Kilroy238 on 2009-08-10:
Yeah an American citizen with an American baby but a Chinese wife. Sorry I thought the state department would have a brain my mistake. Is it reasonable to expect a visa in that instance. I don't think so. I guess it all depends on your definition of reasonable. As for the first exclusion that includes everything possible under the sun. They should make their exclusion list AVAILABLE BEFORE you purchase the policy. As a first time buyer I will know next time not to even bother unless I want to get screwed again.


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