XCover is a flight insurance company that
XCover is a flight insurance company that can not be relied on. I had booked a ticket to visit my 100-year old grandfather in Texas, hoping to see him before it was too late. Since I have four sons and my oldest has been going through a hard time with mental health, I decided to get flight insurance from XCover (Cover Genius, parent company). As my flight date got closer, my son had a serious setback. His social worker and therapist strongly adviced that I should not leave, so I canceled my trip.
I uploaded my son's medical history, diagnosis, and an official letter from his social worker and therapist explaining why I could not leave. Despite giving XCover all the needed documents, my claim was instantly denied. They asked for more paperwork, which I sent, but the claim was denied again the same day. I tried a third time, leaving a note asking someone to please call me so we could talk about why my claim kept getting rejected, even with all the right documents. No one ever called back.
I was really surprised by how quickly my claims were denied, even though I gave everything they asked for, including full medical records and an official letter from professionals. As a father of four, I have never dealt with a company like XCover (Cover Genius) that refuses claims so fast, keeps asking for more documents, but then still says no—even when given exactly what they asked for. And they do all this without ever responding or giving a way to speak to them. Really shocking.
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