Never Again!

Negative experience! I had a medical emergency in Vietnam and wrote to them, among others to request advice about to which hospital to go and which procedure to follow to be able to recover the costs, and they got back to me 9 days later (meanwhile medically treated and recovered!) with a very long email, and not actually answering my questions, but rather highlighting what the insurance does not cover. About any hospital that they recommend for my emergency they just replied “you are free to chose”! Wikitravel was much more useful than their “professionals”. Eventually many of the incurred costs were not recovered as “I have not followed their procedure”. I paid €270 for this insurance, had hospital costs around €320 of which only €90 were recognised by them, of which €70 deducted as "administrative cost for one claim", so I got €20 back from the €320 and this after much dedication to try and understand these guys. Just to emphasise how much I have learned; at the end of my 3 months trip I got my iPad stollen and, although my insurance was still valid, I didn’t bother to claim as I had sufficient experience by then to know it’s a waste of time and energy. What you pay to this insurer can serve only for you to feel responsible and insured during your trip, which works as long as you don’t need it.

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