I bought a travel insurance policy from Access America Travel Insurance. I was travelling to Canada to see my family for a quick weekend. I bought the insurance because it was cheap, about $25 to cover the cost of my flight just in case. The day after I arrived in Canada, my father, who was 96 years old at the time passed away from old age. I had to cancel my trip home (non refundable ticket), as I had to stay few extra days to arrange for the funeral etc. I purchased a new ticket, and submitted all of my stuff to Access America Travel Insurance to cover the cost of my new $220 discount fare to get home. They asked for a copy of the death certificate which I supplied. The death certificate, issued by the Government of Quebec Canada does not list a cause of death for a 96 year old who dies of old age. I also supplied a copy of the funeral home burial certificate which does list the cause as natural. Access America refuses to pay because the cause of death is not listed. They told me to find a doctor to write a letter on his letterhead listing the cause of death as natural. None of this BS was in the policy and terms and conditions that they sent me when I purchased this policy. The policy is supposed to cover you for various different circumstances including the death of an immediate family member. What a scam this company is. I am filing complaints with the State Insurance Commissioner, The BBB and perhaps in small claims court. Stay away from Access America travel Insurance
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