How Long is Too Long to Wait for Travel Insurance Claim?

Good morning! Warning: This is a rant post.

I submitted a claim on my travel insurance 2 1/2 months ago, and it still hasn’t been paid. It hasn’t been denied, either. The company hasn’t asked me for more information, more receipts, etc. The claim has just been met with complete silence. Nothing. Nada.

I did send in two additional online inquiries asking about the status of the claim. One inquiry went unanswered. After I sent a second inquiry, I received this canned response a few days later:

“Due to the overwhelming volume of claims that we have received, we are experiencing a delay in processing claims. Your claims analyst will be in contact to discuss next steps just as soon as they have had the opportunity to review your documentation. We are working diligently to review your claim.We sincerely apologize for the delay, and thank you for your patience and understanding during these unprecedented times. “

I tried calling to see if I could get my claim resolved over the phone. I waited on hold for 30 minutes before I gave up.

My claim is not complicated. It’s for a visit to a cruise ship’s medical facility. I’ve had this exact claim twice before (on different policies) before the pandemic. One time, the claim was paid instantly following my submission. The other time, the insurance company paid me a few days later.

I know that this is not a dire situation. I will survive without getting reimbursed for a few hundred dollars. But, my multi-trip year-long travel insurance policy expires next week. I’m not feeling the desire to renew my policy with this particular company.

Is the same thing happening with every travel insurance company these days in our post-Covid environment? Has anyone had a claim processed recently, and what was your experience?

Photo by Aron Visuals on Unsplash

How does my family travel so much? We use miles and points from credit card bonuses. See my Travel Hacking 101 post as well as current credit card offers here.

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