Aegis Travel InsuranceReviews of goreadyinsurance.com

Unable to file claim because they suspiciously can't find my policy number and aren't open before the time of the event. Scam company, stay far far away.

As others here have experienced, GoReady’s SOP appears to be wearing claimants down with an unnecessarily opaque claims process and indefinitely delaying claims. The first few weeks after initiating my claim were spent in back-and-forth email exchanges with GoReady Claims, which were signed “Claims Intake Service,” with no indication that GoReady does not in fact process its own claims. More than three weeks after I had initiated the claim and submitted every piece of documentation requested (none of it at once), I received an email from the underwriting firm that is actually responsible for processing claims requesting that I resubmit my documentation. In the months to come I was repeatedly put-off with promises of action anywhere from 10 business days, to 10-15 business days, to the nonsensical 3 business weeks. Repeated excuses for the delays included that it was an unusually busy travel season; that my claim was being “escalated;” and that a supervisor was reviewing my claim and would be contacting me shortly. Equally unhelpful was the fact that parent company Aegis took no responsibility for the obvious delay tactics of the agencies responsible for processing claims on the policies it sells and presumably stands behind. After hitting multiple roadblocks with the various offices and team members I kept getting referred to, I called Aegis for assistance and was told they have no say over how, when, or if GoReady or their underwriters process claims. Not until I mentioned filing a complaint did I finally receive a call from a claims reviewer, after nearly three months of excuses, delays, and unfulfilled promises. Encouragingly, the reviewer had a clear understanding of my documentation, asked clarifying questions, and suggested that my claim was likely be processed in a timely manner. Disappointingly, after receiving no further information in what could be considered well beyond a timely manner, I made a follow-up call and was told my claim was still under review (an excuse I’d already heard dozens of times) and to try again the next week. I filed a complaint with the Better Business Bureau that same day and it was submitted to GoReady the following morning. That afternoon, on a Friday no less, I received an email stating that my claim had been approved and to expect the usual 10-15 business days timeline for the check to be processed and mailed. I held off on identifying the claim as officially resolved through BBB until I received and cleared the check which, in a break with precedent, arrived within the promised 10-15 business day timeline. Moral of the story? Don’t purchase travel insurance through GoReady unless you have the time and the fortitude to navigate their Sisyphean claims process knowing that filing a BBB complaint may be your only recourse for getting it resolved.

I purchased travel insurance from Go Ready for a family trip to Israel for December 2023 which I canceled due to the terrorism taking place in Israel. I sent the company a detailed article from the Jerusalem Post detailing the terrorism event in November 2023. This completely fit the policies conditions for a claim yet the company denied the claim due to a simultaneous war going on at the time and disregarded the terrorism event despite it being independent of the war and clearly so documented in the news article. My appeal was denied.

scam company, they will never pay your bills and ask you lot of questions and docs and privacy

They refuse to pay for trip interruptions from delays, unless the airplane/train you take is delayed for 3 specific reasons: weather, mechanical breakdown, or labor strikes. If you are delayed for hours and hours and miss a connection for any other reason, they refuse to pay anything. It's the cheapest option for a reason. It's useless for most reasons that other insurance will cover. Then the company has the gall to come on here and fraudulently say they do cover mechanical breakdowns, when our communications proves the exact opposite (Amtrak broke down, leading me to miss connection).

This is the biggest scam I’ve ever encountered. I bought this because there was a possibility that I’d have to cancel my concert tickets. Their policy said “100% coverage if you’re unable to attend the event”. When I emailed them saying that I’ll be unable to attend the event, they stated that this wasn’t covered and referred me back to the policy where it literally listed “not being able to attend the event” as a reason. What a scam…never get this insurance. They will take your money and refuse to reimburse you. “Businesses” like this need to be put out of business.

but I’m very frustrated by how Goready was unwilling to cover my trip disruption due to getting COVID. This was the one of the primary reasons I purchased the plan. Goready would not accept doctor’s notes or proctored COVID tests from my primary care provider in the US, claiming that telehealth results would not be accepted. They required a doctor’s note from a doctor in the foreign country I was in attesting that I was unable to travel due to quarantine guidance. Despite testing positive again on a proctored test, the doctor cleared me to travel during my most infectious period on day three of quarantine. CDC guidelines advise isolating for a minimum of five days following symptom onset and avoiding travel following a positive test result. So I had to choose between traveling while infectious and being out several hundred dollars. I chose to bite the ~$300 loss instead of exposing my fellow passengers. This policy incentivizes irresponsible behavior and I would not recommend it to anyone. EDIT 2/17/25 in reply to response (couldn't figure out how to reply in a separate comment). Yes, GoReady did reach out after I posted my review. However, I was told that the positive in-person COVID test that a Peruvian doctor administered was not sufficient evidence for a refund. I paid $100 USD for this in-person test in the hopes I could get my travel disruptions covered. I stand by my original review.

Aegis Policy 4GRCWSM1941904 In August 2023, I purchased a travel insurance policy at squaremouth.com, also known as Tin Leg, covering a January 2024 Caribbean Cruise. The provider is Aegis Travel Insurance, the product is Go Ready Choice. In late November 2023, my husband became too ill to travel. On 12/5/2023, I submitted to Go Ready Choice a claim along with the two (2) medical documents their representative requested. Another representative asked for more documents. On 12/6/2023, I submitted three (3) additional documents. On 12/7/2023, their underwriter Zurich American Insurance Company provided a different claim form and requested all the supporting documents be submitted again. On 12/12/2023, Zurich acknowledged claim submission stating “allow 7 to 10 business days for the processing of your claim”. On 1/8/2024, 17 business days later, I called and I was sent an email stating the claim had been approved that day and “our cheques have a processing period of 5-10 business days”. On 1/22/2024, 9 business days after approval, I called Zurich and I was told to “wait 5 or 10 or 15 more days” for check processing and delivery. It sounded like the woman who answered the call just made up a time frame as she spoke . . . On 2/6/2024, I called Zurich and I was advised the company had issues in their mailing department. The woman said my check was issued 1/9/2024 and in a batch “going out this week”. It has been 23 business days (with federal holidays excluded) since my undisputed claim was approved yet the claim still has NOT been paid.