Aegis Travel Insurance レビュー 

Raquel made purchasing our trip protection insurance very easy,she was professional, courteous and fast.
She explained all the benefits of our policy thoroughly and we were happy with the price.Thanks for the great service Raquel!!!

The flexibility provided for our upcoming trip to the Middle East is greatly appreciated. The trip was postponed by our tour company and having options is very useful. Our service agent was friendly and knowledgeable.

Keyona was a very courteous and helpful. She sent me the information on medical and trip interruption that I was unable to obtain last week

The agent I spoke to was extremely helpful in explaining my policy benefits and what they covered. He spent a good deal of time doing so. He was very charming and polite are I greatly appreciated his excellent assistance.

The person I spoke to was helpful and polite. He gave me the information I needed.

When I realized I didn't have the detailed travel policy information I called the 800 number. I was easily directed to Customer Service for existing policies. The young lady answered immediately and was able to send me a copy of my insurance details via my email address.
My inquiry was solved within minutes. The customer service was great.

I am just getting a claim started and was misdirected on my first call in. Called a second time and Kianna (sp?) , who took the time to listen to what I needed and then took affirmative action to get me the forms to start my claim. She was polite and professional in her demeanor, throughout the call.

Keyonna was excellent. She was pleasant to speak with. She answered all my questions. One question I asked was rather involved, and she took the time to research it and get me the correct information.

Do not be fooled by their high ratings on comparison sites. Buying an Aegis Go Ready Elite policy was a massive mistake. I bought a $6,000 policy and only submitted a claim for a ~$1,000 loss after my international trip was canceled due to a verified airline mechanical breakdown—a textbook covered peril.
Instead of processing a straightforward claim, this company has dragged its feet for months. Their strategy is designed to hit you with administrative roadblocks so you will give up and go away. They delayed responses constantly, repeatedly asking for more details and more proof at least three separate times just to restart their internal clock. To make matters worse, they routinely wait until the absolute maximum legally allowed time to respond (21 days), and they even completely blew past that legal timeline once.
They only began approving portions of my claim after I was forced to file a formal complaint with the State Department of Insurance. Even now, they are trying to use absurd word games and a deliberate misinterpretation of their policy fine print to avoid paying out the final loose ends.
This process started on April 2, 2026, and as of June 24, 2026, it is still dragging on. Their customer service is a nightmare of intentional delays. Save yourself the stress and buy from a reputable insurer. If I could give them 0 stars, I would.

**A Cautionary Experience with GoReady Insurance (Underwritten by Aegis General Insurance Agency)**

As seasoned world travelers who have visited all seven continents including Antarctica and more than 55 countries over the past three decades, we have relied on travel insurance to protect our journeys. For 30 years, we were loyal customers of GoReady Insurance (operated by Aegis General) consistently purchasing coverage for our international trips and spending tens of thousands of dollars in premiums. Remarkably, during this entire period, we never once needed to file a claim until our most recent trip.

On that journey, we encountered unavoidable disruptions that resulted in the loss of two full days at our destination, along with a pre-paid excursion that could not be redeemed. These issues qualified as a clear trip interruption under the policy terms we had selected and paid for, which explicitly included coverage for such events reimbursing up to 150% of eligible costs in many cases. We promptly submitted a legitimate claim for the documented losses, supported by all required documentation.

Despite the straightforward nature of the claim and our long history as premium-paying customers without prior issues, the claim was denied. We appealed the decision with additional evidence and clarification, yet the denial was upheld without satisfactory explanation or resolution. As a result, we absorbed several thousand dollars in unexpected financial losses—losses that the policy was specifically designed and marketed to cover.

This experience has been profoundly disappointing and raises serious concerns about the reliability of GoReady Insurance and Aegis General After three decades of consistent premium payments with no claims, the company failed to honor its contractual obligations when we needed protection most. Such practices suggest a business model that prioritizes collecting premiums while systematically avoiding payouts on valid claims a pattern that aligns with definitions of deceptive or fraudulent conduct in the insurance industry.

We strongly advise fellow travelers to exercise extreme caution before purchasing any policy from GoReady Insurance or Aegis General. What may appear to be affordable and comprehensive coverage could leave you exposed when disruptions occur. We would not recommend this provider to anyone, including those we know well, and we urge others to seek alternatives from insurers with stronger reputations for honoring claims promptly and fairly.

Our intent is not to discourage travel but to share a hard earned lesson from loyal, long term customers who trusted this company only to be let down at a critical moment. Protect your investments and your peace of mind by choosing a more dependable option.

Unable to file claim because they suspiciously can't find my policy number and aren't open before the time of the event. Scam company, stay far far away.

As others here have experienced, GoReady’s SOP appears to be wearing claimants down with an unnecessarily opaque claims process and indefinitely delaying claims.

The first few weeks after initiating my claim were spent in back-and-forth email exchanges with GoReady Claims, which were signed “Claims Intake Service,” with no indication that GoReady does not in fact process its own claims. More than three weeks after I had initiated the claim and submitted every piece of documentation requested (none of it at once), I received an email from the underwriting firm that is actually responsible for processing claims requesting that I resubmit my documentation.

In the months to come I was repeatedly put-off with promises of action anywhere from 10 business days, to 10-15 business days, to the nonsensical 3 business weeks. Repeated excuses for the delays included that it was an unusually busy travel season; that my claim was being “escalated;” and that a supervisor was reviewing my claim and would be contacting me shortly.

Equally unhelpful was the fact that parent company Aegis took no responsibility for the obvious delay tactics of the agencies responsible for processing claims on the policies it sells and presumably stands behind. After hitting multiple roadblocks with the various offices and team members I kept getting referred to, I called Aegis for assistance and was told they have no say over how, when, or if GoReady or their underwriters process claims.

Not until I mentioned filing a complaint did I finally receive a call from a claims reviewer, after nearly three months of excuses, delays, and unfulfilled promises. Encouragingly, the reviewer had a clear understanding of my documentation, asked clarifying questions, and suggested that my claim was likely be processed in a timely manner.

Disappointingly, after receiving no further information in what could be considered well beyond a timely manner, I made a follow-up call and was told my claim was still under review (an excuse I’d already heard dozens of times) and to try again the next week.

I filed a complaint with the Better Business Bureau that same day and it was submitted to GoReady the following morning. That afternoon, on a Friday no less, I received an email stating that my claim had been approved and to expect the usual 10-15 business days timeline for the check to be processed and mailed. I held off on identifying the claim as officially resolved through BBB until I received and cleared the check which, in a break with precedent, arrived within the promised 10-15 business day timeline.

Moral of the story? Don’t purchase travel insurance through GoReady unless you have the time and the fortitude to navigate their Sisyphean claims process knowing that filing a BBB complaint may be your only recourse for getting it resolved.

I purchased travel insurance from Go Ready for a family trip to Israel for December 2023 which I canceled due to the terrorism taking place in Israel. I sent the company a detailed article from the Jerusalem Post detailing the terrorism event in November 2023. This completely fit the policies conditions for a claim yet the company denied the claim due to a simultaneous war going on at the time and disregarded the terrorism event despite it being independent of the war and clearly so documented in the news article. My appeal was denied.

scam company, they will never pay your bills and ask you lot of questions and docs and privacy

They refuse to pay for trip interruptions from delays, unless the airplane/train you take is delayed for 3 specific reasons: weather, mechanical breakdown, or labor strikes.

If you are delayed for hours and hours and miss a connection for any other reason, they refuse to pay anything.

It's the cheapest option for a reason. It's useless for most reasons that other insurance will cover.

Then the company has the gall to come on here and fraudulently say they do cover mechanical breakdowns, when our communications proves the exact opposite (Amtrak broke down, leading me to miss connection).

I bought travel insurance for my son a year in advance, in preparation for his school trip to Washington DC the next year. A couple weeks later, I learned that the trip organizer already included travel insurance. So I contacted customer service and asked to cancel the policy and get a refund. They said it was too late, customers only have 15 days to review and cancel. They refused to cancel and issue a refund, even if it's almost a year in advance :-/

It took several emails (with request to escalate to the managers) until they finally agreed to cancel and refund. That was needless hassle and aggravation.

Update: I continued to contact them regarding my claim and the ridiculous reason they were not covering it. I let them know I saw their reasoning as bad faith and low and behold they paid my claim. Rightfully so, I am updating my review. I’m also being generous at this point because I am happy they did the right thing even though I had to be persistent to be paid. The fact that they have a conscience goes far. Hope anyone else filing a valid claim is heard.

This is the biggest scam I’ve ever encountered. I bought this because there was a possibility that I’d have to cancel my concert tickets. Their policy said “100% coverage if you’re unable to attend the event”. When I emailed them saying that I’ll be unable to attend the event, they stated that this wasn’t covered and referred me back to the policy where it literally listed “not being able to attend the event” as a reason. What a scam…never get this insurance. They will take your money and refuse to reimburse you. “Businesses” like this need to be put out of business.

but I’m very frustrated by how Goready was unwilling to cover my trip disruption due to getting COVID. This was the one of the primary reasons I purchased the plan.

Goready would not accept doctor’s notes or proctored COVID tests from my primary care provider in the US, claiming that telehealth results would not be accepted.

They required a doctor’s note from a doctor in the foreign country I was in attesting that I was unable to travel due to quarantine guidance. Despite testing positive again on a proctored test, the doctor cleared me to travel during my most infectious period on day three of quarantine.

CDC guidelines advise isolating for a minimum of five days following symptom onset and avoiding travel following a positive test result. So I had to choose between traveling while infectious and being out several hundred dollars. I chose to bite the ~$300 loss instead of exposing my fellow passengers. This policy incentivizes irresponsible behavior and I would not recommend it to anyone.

EDIT 2/17/25 in reply to response (couldn't figure out how to reply in a separate comment).
Yes, GoReady did reach out after I posted my review. However, I was told that the positive in-person COVID test that a Peruvian doctor administered was not sufficient evidence for a refund. I paid $100 USD for this in-person test in the hopes I could get my travel disruptions covered.

I stand by my original review.

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.