Travel Insurance Revisited
As San Francisco insurance fraud attorneys at the Evans Law Firm, we have written a lot about the risks that accompany travel insurance. For a product designed to protect travelers from unforeseen circumstances, it can often introduce new problems rather than solve them. Customers frequently have to fight to get their claims paid, and often they are not reimbursed for significant portions of their coverage. For people who have already had to cancel a planned trip at the last minute, having to battle with the bureaucracy at a large insurance company is just one more headache. So why is it that travel insurance is still sold so frequently?
Major providers of travel insurance, such as Allianz, have struck deals with travel providers to sell insurance directly from their websites and ticket counters. While going through checkout for major airlines such as Delta, as well as cruise ships and other travel providers, it is not uncommon to see popups and options to purchase travel insurance for a relatively small fee. Like candy at the checkout counter, Allianz tries to make purchasing insurance as low-hassle as possible, and customers, already engaged in a large purchase, figure they might as well pay the extra for some added security.
These and other marketing schemes are a major source of revenue for travel insurance providers. Anyone who has had a travel mishap knows how stressful it can be, and it’s hard to refuse an offer to help take some of that stress out of the equation. But in reality, unless arguing with insurance reps over the phone helps you relax, travel insurance offers little more than an opportunity to make your trip more stressful than ever.
If you have had to cancel a trip and purchased Allianz travel insurance, please contact Evans Law Firm at (415) 441-8669 or visit evanslaw.com. Evans Law Firm is a San Francisco-based plaintiff’s firm working on consumer protections, class actions, insurance and banking fraud, and consumer product liability.