I wish I had done some research on Access America BEFORE buying this insurance during the purchase of my flight! My family is on a work assignment in Germany, I received a phone call that my father had a slight heart attack and made the decision to fly back to the United States. I purchased the insurance in case his health did not improve during the week I was scheduled to be there. Unexpectedly my father went into renal (kidney) failure and passed away. I contacted Access America and told them I would need to extend my trip for funeral arrangements. I was told..."No problem, you'll just need a copy of the death certificate". Upon returning to Germany I sent in the documentation of the death, and expense of the flight change. The company has denied the claim saying that because the death certificate states that he went into kidney failure one week prior to his death, this is considered "A PRE-EXISTING condtition"! The insurance was purchased on the 28th of January, and my father died on the 4th of February, so even with this denial I knew this was 8 days from purchase to death and I figured they would have to cover. Now they are saying that the policy didn't go into effect until the 29th of January so therefore WAS within the one week period. What a Joke! I can't believe a company is allowed to operate so "SHADILY" in our country! And what are these airline companies doing using these UNRELIABLE company's within thier websites??? This is not over.
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