Over the past 5 years, I have spent $3505.00 on trip insurance with Travel Insured International (TII). I made no claims until this year. I spent $795.00 on insurance for an Alaskan trip which had to be cancelled because my wife's father became confined to a nursing home due to 4 hospital visits within 2 months. We were advised by his physician not to take the trip. I submitted all forms and was denied a claim of $1858.40 because TII insisted it was a pre-existing conditon and that I had not taken out the insurance within 14 days of the down payment of the trip. When I rquested a refund of the $795.00, ITT claimed that I had only 14 days after taking out the policy to get a refund. Since ITT was aware that over 14 days had elapsed between my trip down payment and my payment of $795.00 to TII, I feel that they should have notified me that problems could occur, as they did.
They had no problem accepting my $3505.00, but a simple request for a refund was denied. This is not ethical business practice. I used TII because USAA endorsed them. USAA was helpful in trying to get them to refund my $795.00, but TII would not relent. I hope other potential customers will beware when considering policies underwritten by TII.
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