Claims Service Disappointing
While purchasing the policy was easy through AARDY.com and the price seemed reasonable for our Europe trip, the claims process has been lacking. I also understand that my claim almost seems unbelievable in that our trip was delayed due to airline going to Europe, we lost prepaid day of trip, our luggage was lost, and then our trip was delayed again coming home to US. And these delays caused us one day on each side of the trip which resulted in cab fares/hotels/meals. I filed claims almost immediately when I returned to US. One claim was paid almost immediately (delay going to Europe); claim for lost luggage was denied, which I appealed and then a payment was issued (keep in mind you must tell them what the wording is in the policy!); but the other two claims (prepaid day and return flight delay) have been "processing" on their portal for weeks. (Oh, yes. they denied the return flight delay quoting their policy and stating the delay was not 6 consecutive hours, which I appealed. I get it, people get tired I'm sure of processing claims, but if your original flight was scheduled one day at 16:25 and your rescheduled flight is the next day at 5:04, the math shows more than 6 hours right!) Clearly, I have not been satisfied with the claims process. I buy travel insurance just for this purpose (unforeseen delays, lost luggage, medical emergencies). You never think you are going to need it until...