Antitrust & Competition Policy Blog

Editor: D. Daniel Sokol
University of Florida
Levin College of Law

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Monday, January 4, 2010

Buying Access America Travel Insurance is a Waste of Money

Posted by D. Daniel Sokol

This post is a bit off the topic of antitrust and competition policy and more in the vein of consumer protection.  My parents, senior citizens, made the mistake of buying travel insurance.  I have told them in the past that travel insurance is not worth the money because the llikelihood that they will need it is small, the cost is very high, and travel insurance companies do everything possible to make successfully collecting on such a policy highly unlikely.  Did my parents listen to me?  Like many other consumers, no.  They bought travel insurance through a link on Delta.com (they were coming to visit us) with Access America.  My father unfortunately needed open heart surgery (he is fine now) and they needed to cancel the trip to see us.  Access America decided that because he had what they called a "pre-existing condition", they denied him compensation.  The "pre-existing condition" language is quite vague and one might imagine that nearly all situations might fall into their definition of pre-existing conditions. Customer service was spotty at best and they were somewhat nasty to my parents on the phone. 

At some level, Access America must realize that lots of bad publicity will hurt their business (and potentially Delta's as well by this bad association).  

The lesson to be learned by my parents is not to buy travel insurance from Access America and to listen to their son sometimes about how travel insurance is a waste of money.    

http://lawprofessors.typepad.com/antitrustprof_blog/2010/01/buying-access-america-travel-insurance-is-a-waste-of-money.html

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Comments

Maybe some citizen need an insurance we cannot deny it we need it.but some of it cost so very high,I think we need to be more wise in having insurance so that our will not bewaste

Posted by: alicenchains | Jan 13, 2010 5:14:22 PM

I too have discovered the same situation with Access America- I bought the isurance because of flu bug going around and my Dad's health- but it turned out my brother needed surgery causing me to change flight plans to my brother. I got the same run around- brother first started having trouble with bowel in September so they said it was not an emeargency. I guess we have to learn the hard way!

Posted by: suzanne Brisk | Jan 30, 2010 12:02:46 PM

Yes, agree- Flight insurance not needed

Posted by: sunnyday29 | Jun 27, 2010 9:35:19 AM

Your parents should’ve read the whole insurance policy first. I think that is one of the common mistakes of Americans when it comes to applying for insurance. We have to put in our minds that we should understand the whole insurance policy clearly, if you have some difficulty understanding it, you should ask help from the staff of the insurance company. Not all insurance companies cover pre-existing conditions, that’s why people having these condition must make sure that their insurance cover it too. Some travel insurance providers are more accommodating. I never thought Access America treated you like that. I’ve read that if you know the time and date you had that conversation with them on the phone. You can let the company know and they can listen to your conversation. They are always recording those kinds of things. I’ve read it here. http://kikipotamus.wordpress.com/2010/01/28/how-to-get-your-travel-insurance-claim-paid/#comments

Posted by: Jim is looking for travel insurance providers | Sep 27, 2010 1:08:18 AM

I agree with you Jim is looking for a travel insurance provider... that is the mistake of most people who are enrolling for insurance. I don't know much about insurance but I believe there are different kinds of insurance defending on the level of coverage unless if it has been discussed to them that there situation will be covered in case. Maybe it is just a little misunderstanding. Try to clear it with the insurer.

Posted by: Jhanella | Nov 10, 2010 12:38:23 AM

I agree with you Jim is looking for a travel insurance provider... that is the mistake of most people who are enrolling for insurance. I don't know much about insurance but I believe there are different kinds of insurance defending on the level of coverage unless if it has been discussed to them that there situation will be covered in case.

Posted by: shajal | May 31, 2012 11:03:55 AM

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