Access America - Baggage damaged while on a cruise?

Posted on Monday, September 28th, 2009 at 4:55pm CDT by 8cd189ad

Product: Trip Insurance

Company: Access America

Location: P.O. Box 72031

Category: Travel, Vacations

Prior to our Baltic cruise, our AAA agent offered an insurance alternative (Access America underwritten by BCS Insurance Company). This trip insurance -- according to the agent -- offered better coverage and higher limits, so we opted for the Access America coverage.

During the cruise our biggest piece of luggage (never used before this trip) was damaged. A wheel was shattered which prevented the case from rolling.

This could have happened at any of 3 or 4 different places, but was first noticed when we picked up the bag at the Copenhagen airport on the last day of our trip.

Upon arriving home, we filed a claim with Access America, but it was rejected because we had not reported the damage to the airline or cruiseline within 24 hours of the occurrence.

Even though we explained that we had no way of knowing when the damage might have occurred over a 10 day period, the Access America computer said "No tickee, no money". To back up their rejection a crass rejection letter from Access America, stated that we did not exercise Due Diligence.

So, if you purchase trip insurance from this company, you should be prepared to check each piece of luggage at each stop and be willing to spend the extra time finding the baggage office in a foreign airport or cruise terminal.

Because in the end, if you have a claim, you will have to satisfy the Access America computer to receive anything. Don't expect any "real world" understanding by this outfit.


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