We had a wonderful experience with Acces America. The cow got sick(an uder
infection) and we had to cancel Acc Am paid within a month.
"Reef Fish" wrote in message
news:1164475276.429887.31030@45g2000cws.googlegroups.com...
>
> Bill C wrote:
>> Ray Goldenberg wrote:
>> > On Wed, 22 Nov 2006 08:13:06 -0800, "M.Paul"
>> > wrote:
>> >
>> >> I wasn't particularly impressed with their customer service.
>
> It's coverage is MUCH worse, per $ value, compared to Access America.
>
>
>> > I suggest you book your insurance through your travel agent and then
>> > he can deal with these types of customer service issues.
>> > Ray
>> > LIGHTHOUSE TRAVEL
>
> Translation: I suggest you let me rip you off. I'll show you how I
> can
> spend the most of your money for the least coverage. Trust me!
>
>
>> Ray,
>> If I were to buy my insurance through my agent would I be able to
>> purchase any insurance plan I choose
>> or would i be stuck with whatever insurance my agent is selling?
>>
>> Bill
>
> Bill, note VERY CAREFULLY Ray's carefully worded reply to you:
>
> Ray> I handle many various plans as do most travel agents that I know.
>
>
> which is perfectly consistent with my "Translation" above. If he
> sells each client AS MANY plans as the client is willing to buy,
> it would be perfectly consistent with his one-line reply above.
>
>
> To SHOW that I am not just drawing any unfair inference about Ray's
> clever side-stepping of pertinent questions and careful evasion of
> your question in his answer which CAN be construed to imply
> profit-maximization for HIMSELF.
>
> Below is a piece of information that has NEVER been out of
> Ray's mouth, or will it ever be -- that you can save TONS and
> TONS of premium (IF you travel often) by getting an
>
> ANNUAL coverage with Access America
>
> rather than Individual policies per cruise or trip via Travel Guard.
>
> I had written about the above several times and even gave actual
> coverage $$ premiums and the actual coverage to allow direct
> comparison of the two.
>
> Bottom line for ME (6+ cruises a year, and half a dozen non-cruise
> trips), is that the ONE YEAR coverage policy (delux version)
> cost $254 and covers ALL trips within 12 months.
>
> If I were to get 12 Travel Guard insurance for my trips, I would
> estimate the premium would cost at least 10 times as much and
> with LESS coverage per trip in several of the coverage categories.
>
>
> Will ANY travel agent recommend its client to purchase ONE
> inexpensive insurance that covers UNLIMITED number of trips
> in one year, with coverage up to these maximum?:
>
> Baggage ($1000)
> Baggage Delay ($200)
> Collison/loss coverage ($25,000)
> Flight Insurance ($300,000)
> Emergency medical transportation ($100,000)
> Emergency medical and dental benefits ($20,000)
> --------
> Travel/Trip delay Coverage ($500)
> Trip Interruption Protection ($1,000)
> Travel Accident Protection ($25,000)
>
> Total ANNUAL premium: $254 (Delux Plan).
>
>
> For my 12 trips, no travel agent (if I use one) EVER asked or
> suggested anything other than the Travel Guard trip-cancellation
> coverage. I am sure Ray will gladly sell you 12 policies and
> NEVER mention (even he knew) that the Annual Access
> America plan would save you thousands of dollars for the
> coverage much of which EXCEEDS the Travel Guard single
> trip insurance!
>
> Let The Buyer Beware!
>
> I had posted this in rec.travel.cruises:
>
> RF> There were many threads, but little info about "Access America",
> RF> especially about the Annual policy to cover ALL trips.
> RF> I read Tom's unsubstantiated opinion about "Access
> RF> America" there, and it appears he was completely
> RF> ignorant about that insurance when he was dissing it.
>
>
> Travel Guard was never any good on its trip coverage. It
> sounds like it's doing worse. It's worth considering ONLY
> if you are doing only ONE trip in a year, can't afford to lose
> the cost of the trip (and various reasons for wanting to buy
> insurance). In almost all other cases, you'll be astounded
> on how LITTLE Travel Guard covers for the trip for which
> you are insured, if you compare it with the Access America
> Annual policy coverage -- covers ALL trips for the same cost.
>
> -- Reef Fish Bob.
>
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