Squaremouth

We have used this insurance company before. We made a claim due to trip interruption and it was simple to do and we got a refund with no problems.

Easy and helpful site for reviewing and choosing travel insurance. Have used this site three times and will use again.

My travel friend has used you and pleased with the results. She compared other offers and and showed me the results and I have made the purchase!

Bought travel insurance last year. Got stuck overseas. They never deny claim, but string you along! Run! Zero Complaint department...what a joke.

Short review: IMG doesn't give clear explanations and takes forever to get back to you. Squaremouth initially talks a good game but in the end wouldn' t even respond any more to our queries. We will not be using either company for future travel insurance.

Long review: My wife and I are frequent travelers and routinely take out travel insurance for our trips. I have used squaremouth.com for several years and it identified IMG iTravelInsured as our best option for several trips. Of course, you don't know if your insurance is any good until you actually need it...

That takes us to a cruise from NJ to Iceland in Aug'22. My wife got COVID the last day of the cruise. So we were confined to our cabin and ushered off individually. (Celebrity Cruises was great in the way they handled it, by the way.) Since we couldn't fly home as scheduled, we had to stay in Iceland for a few days until we could get a new flight home. When we called the airlines they said the next flight with 2 open economy seats was 10 days out. So we booked biz class seats that were only 5 days out. We called IMG to verify we could do that and they said yes since it would save the food and lodging expenses for the extra days.

We filed a claim in Sep'22 with IMG iTravelInsured. We were asking for reimbursement for the additional biz class airfare, the extra days in Iceland, and two days of hotels back in the states that we had to cancel. In May'23, IMG reimbursed us for the 2 nights of hotels in the states. They reimbursed us for 1/2 of the hotel/food expenses in Iceland because only 1 of us had medical proof of COVID. They didn't reimburse us at all for the biz class tickets because we couldn't prove that no open flights existed with 2 economy seats available for 10 days. It didn't matter that we had called and gotten approval.

We contacted Squaremouth.com since they have a "zero complaints" policy. At first they seemed very helpful and got IMG to reassess our claim. (There was no change in their assessment.) But Squaremouth went unresponsive and we haven't received answers to our queries for a couple months now.

First of all, I am not disputing the verbiage in the policy itself. My complaint is regarding the purchasing process of this policy right from the start and the use of multiple brand names to create confusion. I will post this under the under brand names so everyone will be aware that it is really the same company.

Half my overseas trip was ruined by a situation out of my control and I incurred hundreds of dollars of charges as a result. The entire airport in Manila was closed for the APEC summit meetings. I was relieved to know I had purchased trip insurance from a well-known company in Chicago, John Hancock Insurancewhich according to the website included cancellation and delay.

Upon requesting the appropriate claim forms, the form itself says it is actually American Modern Insurance Group. However, after making sure that was the correct form it appears the forms are actually mailed to Seven Corners. I later found out that Sever Corners is only the processor of claims. It appears that multiple companies are involved and that they are simply using different names to confuse and mislead consumers.

My claim for trip cancellation was denied and I was advised (after several emails) to file an appeal under a different reason, trip delay. I spent countless hours filing out all the forms again and providing proper documentation and proof of such occurrence. The second claim with "John Hancock Insurance was also denied. There were no responses to my emails, again for weeks. I also, placed many calls and emails to the zero complaint team" at squaremouth.com asking for further clarification regarding my specific trip insurance policy that I purchased. After about a month I finally was given an answer, simply stating, that I was not covered for that reason under that policy.

Regardless of the writing in the policy, I am asserting that I was cheated and completely mislead into purchasing this insurance policy from the start. I am asserting that I was lead to believe I was purchasing from a prestigious name; John Hancock Insurance. This was clearly a bait and switch scheme and absolutely unacceptable. In addition, I was not made aware prior to my purchase the extreme limitations of this policy and that I would be dealing with multiple companies other than John Hancock". This would have drastically altered my decision in choosing such a prohibitive policy from unknown companies.