Aegis Travel Insurance Bewertungen 24

**A Cautionary Experience with GoReady Insurance (Underwritten by Aegis General Insurance Agency)**

As seasoned world travelers who have visited all seven continents including Antarctica and more than 55 countries over the past three decades, we have relied on travel insurance to protect our journeys. For 30 years, we were loyal customers of GoReady Insurance (operated by Aegis General) consistently purchasing coverage for our international trips and spending tens of thousands of dollars in premiums. Remarkably, during this entire period, we never once needed to file a claim until our most recent trip.

On that journey, we encountered unavoidable disruptions that resulted in the loss of two full days at our destination, along with a pre-paid excursion that could not be redeemed. These issues qualified as a clear trip interruption under the policy terms we had selected and paid for, which explicitly included coverage for such events reimbursing up to 150% of eligible costs in many cases. We promptly submitted a legitimate claim for the documented losses, supported by all required documentation.

Despite the straightforward nature of the claim and our long history as premium-paying customers without prior issues, the claim was denied. We appealed the decision with additional evidence and clarification, yet the denial was upheld without satisfactory explanation or resolution. As a result, we absorbed several thousand dollars in unexpected financial losses—losses that the policy was specifically designed and marketed to cover.

This experience has been profoundly disappointing and raises serious concerns about the reliability of GoReady Insurance and Aegis General After three decades of consistent premium payments with no claims, the company failed to honor its contractual obligations when we needed protection most. Such practices suggest a business model that prioritizes collecting premiums while systematically avoiding payouts on valid claims a pattern that aligns with definitions of deceptive or fraudulent conduct in the insurance industry.

We strongly advise fellow travelers to exercise extreme caution before purchasing any policy from GoReady Insurance or Aegis General. What may appear to be affordable and comprehensive coverage could leave you exposed when disruptions occur. We would not recommend this provider to anyone, including those we know well, and we urge others to seek alternatives from insurers with stronger reputations for honoring claims promptly and fairly.

Our intent is not to discourage travel but to share a hard earned lesson from loyal, long term customers who trusted this company only to be let down at a critical moment. Protect your investments and your peace of mind by choosing a more dependable option.

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).

I bought travel insurance for my son a year in advance, in preparation for his school trip to Washington DC the next year. A couple weeks later, I learned that the trip organizer already included travel insurance. So I contacted customer service and asked to cancel the policy and get a refund. They said it was too late, customers only have 15 days to review and cancel. They refused to cancel and issue a refund, even if it's almost a year in advance :-/

It took several emails (with request to escalate to the managers) until they finally agreed to cancel and refund. That was needless hassle and aggravation.

Update: I continued to contact them regarding my claim and the ridiculous reason they were not covering it. I let them know I saw their reasoning as bad faith and low and behold they paid my claim. Rightfully so, I am updating my review. I’m also being generous at this point because I am happy they did the right thing even though I had to be persistent to be paid. The fact that they have a conscience goes far. Hope anyone else filing a valid claim is heard.

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.

Called to ask a question about their policy, was accused of fraud, laughed at and met with a condescending attitude. Paid for service, didn't need to file a claim I just called and questioned about the 15 day refund policy. A simple answer to the question would have sufficied.

I have provided this company all of the documentation that they requested and they have not reimbursed me, nor are they responding to emails more than 2 months later. If they need more documentation, they should let me know, but I don't believe that is the case as this is a simple claim (train and AirBNB only). They are completely unhelpful, and inept. They even told me that my emailed submission got lost ??? Wow! I have a legitimate claim for only about $600... I can only imagine what it would be like working with GoReady on something that was actually involved and complicated. Forget it! I will NEVER use this terrible company again. I should be able to charge them for wasting so much of my valuable time.

I've had a horrible experience trying to file a claim for a ticket purchase for an event I was unable to attend. The insurance paperwork contains three different email addresses for filing a claim. I tried all three, and no reply. The website contains a phone number, but when I call it, I get routed in circles—a loop of automated messages that take you nowhere and never bring you to a live person. I tried their mobile claim system, which texts me a link that then times out and tells me I can close my browser window, or which prompts an automated phone call that simply puts me back into the loop of automated messages that never bring me to a live person. I have spent an entire week, hours of my time, trying to file a claim, to no avail. My guess is that they are a fraudulent company who tries to make it so hard to file a claim, that their purchasers will not do so, and they will not have to pay out. I tried contacting both the venue and the ticket sales company, who contracts with GoReady, but neither are able to help me.

Edit Dec. 2023: I eventually did get in touch with them and did get a refund in the mail, but it was a huge headache and took up tons of time. Something that should be easy was super difficult to the extent that I will never again buy insurance from GoReady and I will never attend that venue again as long as they're contracting with this company for event insurance. It's not worth it. I had a death in the family and was going through a terrible life event. To have to waste hours of my time on phone and email trying to file a claim with a venue, a ticketing company, and an insurance company that all tried to pass the hat was unbearable. Anyone who thinks about purchasing insurance from this company should think twice.

Response to GoReady's statement that they "simply require a death certificate or obituary." No, that is the point. That is the problem. It SHOULD be simple, but it wasn't. You "simply" ignored my emails, sent me in endless phone system loops that got me nowhere, and had completely nonfunctional online systems that could not process my claim. And the folks who should have helped just kept passing the buck. It was an awful experience—enough for me to want to share it online to warn others. There is nothing you can do or say now to change how you behaved then. Your customer service was completely inadequate to the extent that I originally assumed you had intentionally built broken systems so that no one could ever file a claim and get a repayment. In other words: Make it so that customers CAN'T file a claim, so then they WON'T file a claim. If you are trying to run an insurance company that actually processes valid claims in a reasonable timeframe, and you think a human being should be able to file a claim in 10-20 minutes rather than needing to spend hours and hours on the phone and email trying to get through to anyone, then you have a LOT of work to do to fix your broken system.

This company is the worst and I wouldn't recommend them to anyone! They are a scam, will not respond and won't cover anything! Shame on AAA for recommending these scam artists

Go Ready has ghosted or scammed me.

I tested + for Covid in port in Italy. Italian law required I self-isolate for 5 days. After excessive delays, I was eventually cut a check for a fraction of my hotel expenses, with no explanation. Literally.

My request for an EOB with payout calculation has been ignored for over 3 weeks.

So in addition to being sick and incurring additional expenses, 3 months later i'm still unreimbursed, frustrated and fighting for
1) the courtesy of a reply
2) an EOB
3) a calculation of interuption vs delay processing
4) appeal form/process
5) multi-state BBB complaint initiation
6) contacting MO state in Commissioner for advocacy

So I'd avoid Go Ready ins unless youre prepared to live without requested docuemtnation, reimbursement, return calls or emails and are prepared to get a crash course of consumer rights in your state, and the ins co presiding state, and the presiding Better Business Bureau state.

Thanks for the additional headaches on top of being sick and the resulting bills.

Waiting for an answer on my claim for weeks no help nobodyknow nothing never get it again.

A word of caution on GoReady insurance. I used GoReady for a trip to New Zealand and Australia in January/February this year. My Air New Zealand flight was in jeopardy due to cataclysmic weather in Aukland in January that flooded and closed the airport. After being on the phone on hold for over 8 hours on two occasions, I finally got through and was advised by the airline to rebooked for two days later which still fit our schedule (at a higher price) to guarantee a flight. We were on a trip that included a cruise to Australia. As it turned out, my original flight ultimately left as scheduled but at the time I called, Air New Zealand could not guarantee this, was nearly impossible to get ahold of, and suggested the rebooking. My travel companion had AAA travel insurance. His AAA insurance paid the price difference between the flights. GoReady did not stating the flight eventually left on time and I suppose they thought I should ignore the advice of the airline and take my chances with my vacation. I would avoid this insurance company at all costs.

Writing this review a year after we filed claim because of the run around that we were put and then they did not back the policy that was sold and denied our claim--one year after submitted. did not help me resolve with underwriter and ran me in circles. it was a frustrating experience. Cheaper for your time and money to self insure your trip. Will never buy through Go Ready again.

Don't buy GoReady travel insurance!! In February 2023 I sent tons of documentation of my expenses related to a delay and flight cancellation and each time they asked for more information, I promptly sent it and asked for acknowledgement of receipt from them. Never acknowledged. Don't bother to call, they will never respond. Finally, May 16 I received a check which was fairly adequate, but was not related to everything I sent them. I am baffled that they would ask for so many receipts, then base their reimbursement on just one. If I'd known that, it would have saved me a lot of time