Aegis Travel Insurance Reviews 

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

They are refusing to pay for travel delay using every excuse in the book. My United Airlines confirmation number is not valid. (Copied from my UA online account.) They cannot understand the concept that a flight delay on the first leg of a trip would clause you to miss your connection. This complicated concept has been explained many times without success.

When it comes to travel delay - $150/day/person - you can only claim expenses not inconvenience. Our flight was delayed by 23 hours, we stayed at home, inquired about re-compensation for inconvenience and missing an important event at our destination. We cannot make a claim. Be aware of this interpretation of the policy you are buying.

Scam. Be ready to file BBB claims/get help from a lawyer to actually get any money from this company. I had a trip to Canada that I got Covid on. I started working with the company immediately to make sure I have enough documentation to have a seamless experience. They did not provide me with any guidance on what they want while I was still testing positive, and then came in and said that the documentation that I did have was insufficient when I was already testing negative and it was impossible to get another positive test (note: I was using official government of Canada guidelines for covid testing). I am now about to write a second BBB complaint and get help from a lawyer in order to get progress on my claim.

I purchased GoReady Insurance as South Korea required that I have travel insurance which covered covid related expenses before allowing me to enter the country. We did in fact contract covid while we were over there. Because we were staying with family and the government covered the cost of all testing and quarantine requirements my only claim was the additional cost that I incurred when I had to rebook my flight. This was four months ago and GoReady has yet to settle my claim. They expect the information provided in a foreign country to match the types of forms and information that a USA health department would provide. They apparently have little experience dealing with situations in countries other than the USA. I would not purchase their insurance again.