Travel insurance claim in and taking out new policy?

lrlrip

We were due to go to the US on the 14th September. On the evening of the 13th my husband was admitted to hospital and I cancelled the trip.

I submitted a claim  to Reactive Claims (Insurance with AllClear) on the14th October and have had no correspondence at all.  I phoned yesterday to be told it had been passed to an assessor but they couldn't tell me any more. I spoke to AllClear and they have escalated it but that is all they can do.  

My husband has now had the all clear from the hospital and we want to rebook.  The policy with ALLClear runs out in January and we will not be taking another one out with them.

Do I take out another policy with another company, now, to allow us to book?

How long do I give Reactive claims to give me some kind of update? Their reviews on Trustpilot are very poor and I wish I had read them first but too late now

DullGreyGuy

Almost all insurers get bad reviews online because 1) people are more likely to post a negative experience than a positive one 2) no one wants to buy insurance 3) many people buy on price and then complain that the budget product they bought was budget quality

Given its a medical claim the insurer will need to gather information from doctors etc and so its sometimes the insurer being slow and other times its the doctor being slow. Some are fairly lazy too, back in the days of paper doctor records the number of times we were charged £300 for a "medical report" which was only a dozen or so questions on a piece of paper and rather than getting the questions answered they send a load of photocopies of the patient/claimant's notes, which is useless as I'm not a doctor and I need them to explicitly answer Qs that won't be in the notes. 

It seems like you've given them much more time than is needed to do the initial claim assessment/triage and set things in motion. They should be able to advise where they are in the process and what they are awaiting on. Ultimately register a complaint about both the timescales and the lack of updates.

lrlrip

All information was included along with  the discharge letter from the hospital and the letter from our GP that we paid for.

I will give it until Monday which is four weeks and take it from there.