If you're hoping to get a refund on a plane ticket by buying an Access America trip insurance policy, you're better off paying for a fully refundable ticket. Stay away from this company. How the state insurance departments have not found legal cause for conviction of insurance fraud is a complete mystery. What trustworthy company gives you the terms and conditions only AFTER they have your money?!?!
My company purchased trip insurance for a corporate function. During the purchase process, we were never asked to include any details whatsoever about the flying employee's dates of hire when purchasing the coverage. We clicked the online purchase options, and then (only then) did they release their host of terms and conditions. After we had to cancel an employee flight and filed a claim, we were advised that since they had not been employed for a minimum of three years, the claim would be denied. This is insurance fraud 101. We spend thousands of dollars a year in airfare and I guarantee this is the last of our corporate dollars that this company will be stealing from us.
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