Squaremouth Reviews - What Is It?
DO NOT USE Squaremouth!!! You Must Read This Review!
Fully Researched: Price, User Feedback and More!
Squaremouth is an insurance company that offers single trip travel insurance, annual travel insurance, group travel insurance, as well as adventure and sports travel insurance. They allow using their comparison engine to search, compare and buy policies from many leading providers in the United States of America. They have over 100 policies for comparison, all of which are claimed to be backed by financially stable, A.M. Best-rated companies. Each provider on their site has at least an A.M. Best rating of "Good" or higher. They claim that you cannot only compare policies but also use their custom search filters to opt for the best coverage for your trip. They downsell, because they take care of their clients and don't want them to pay more than they can. Their official website (squaremouth.com) offers a complete list of the policies available at the moment, and the ability to sort your results by coverage, price, or customer ratings. If you need help with your purchase, they have experts who will help you to find the most reasonably-priced policy that matches your preferences and needs.
Every policy bought through Squaremouth comes with the so called Zero Complaint Guarantee - the guarantee that they only sell policies from reputable providers. If you have any complaint, they will mediate with your provider on your behalf. If it is not resolved, they promise to remove that provider from their website. Many people turn to trip insurance to protect themselves from many different unpleasant events that may lead to a financial loss before or during their trip. Squaremouth policies are built in accordance to the travelers' main concerns, including coverage for medical emergencies, trip cancellations, lost luggage and flight delays. If you want to have coverage for your trip, you need to understand what travel insurance covers to select the most suitable policy. Trip insurance works as a way of reimbursement in case if something goes wrong during your trip. You can create your own account on the company's site. The postal address of the company's headquarters is provided on the site. If you have any questions or concerns call at 1-800-240-0369 or write to questions@squaremouth.com.
Customer Reviews - Does Squaremouth Really Work?
After creating your individual account on Squaremouth's official website, you can enter your trip details into the search form to see the list of travel insurance quotes. After you choose and purchase a policy, your coverage will get effective at midnight the next day. If something changes unexpectedly and your trip suffers, you may file a claim to be refunded by your provider. Remember to do it as soon as possible, otherwise, you will lose your money. If you have any questions before or during your trip, you can contact your provider's 24-hour Emergency Assistance department. You are expected to get the necessary information about how your policy's coverage works.
The official Squaremouth website contains a lot of customer reviews all of which are highly positive. This makes me think that they are fake. There is a limited number of customer reviews about Squaremouth on third-party websites. And it is surprising that about 30% of them carry a negative character. They people are not satisfied with the company's service for many reasons. Let us take a look at a broad testimonial left by one customer. Her major complaint is regarding the buying process of the Squaremouth policy from the start. The company uses many brand names to confuse their client. So the woman posts this under the under brand names for everyone to be aware that it is the same company.
According to the woman's words, half of her overseas trip was ruined by the uncontrollable situation, as a result of which she incurred hundreds of dollars of charges. The airport in Manila was closed for the APEC summit meetings but the woman was relieved because she had bought a trip insurance from a large company in Chicago, John Hancock Insurance. It included cancellation and delay, according to the website.
Upon requesting the necessary claim forms, the woman notices that it is actually American Modern Insurance Group. After making sure that it was the right form it turns out that the forms are mailed to Seven Corners. Then she found out that Sever Corners is just a company that deals with processing the claims. It turns out that many companies are involved in the process and that they are just using different names probably to mislead consumers. The customer's claim for trip cancellation was denied and she was recommended to file an appeal under some other reason, say trip delay. The woman spent many hours filing out all the forms and providing the required proof and documentation. That second claim was also denied. No one responded the woman's emails for a few weeks. She made many calls to the non-existent complaint team at Squaremouth asking for clarification of her trip insurance policy. After about a month the customer was finally answered simply stating that she was not covered for the reason of trip delay under that policy. The woman felt frustrated. Here are some more reviews from real clients of Squaremouth.
"I prefer to buy travel insurance on Expedia whenever I book a trip and I have always been satisfied with the service but the main problem with this company has been the high price of travel insurance. So, this time I decided to get it from Squaremouth since they offered me the lowest price. Unfortunately, I had to cancel my trip at the last minute for medical reasons and I immediately informed them about it by mail. I failed to contact anyone to speak to and when I finally did they refused to give my money back. Conclusion - do not fall for the cheapest travel insurance companies."
"I worked at Squaremouth full-time less than a year ago and there is not much positive to talk about except for the laid back policies. I can say with confidence that al the positive reviews on their official website are made by employees themselves on direction of management. They want to keep their rating up to fool potential clients and employees. They do discriminate their employees and they do not care about their customers. It is pathetic that they have to show fake reviews. You can find truthful media specialist posts all the time and they are not as positive."
"The Squaremouth company does not do anything else than take your money. Your further business does not worry them at all. In my case, they are not responsive and appear to ignore accomplishing their contractual obligations. Stay away from this company's service. By the way, I have learnt that Chris Harvey, 70% part/owner of Squaremouth, has been twice bankrupt in the past. He used protection not to pay his bills."
My Final Summary
Taking into account everything we have learnt about Squaremouth, this insurance company seems not to be operating as it claims. They really provide a comparison engine for you to find, compare, and buy travel insurance from leading providers in the country but there are many disadvantages about this service and company's activity in general. While they can find the least expensive policy for you, they become completely unresponsive as soon as you purchase insurance from them. Once you experience any problems or issues with your insurance, don't expect help from the company. Based on real customer reviews, whenever they faced trip cancellation, they were unable to return their money for insurance. The company's staff also tends to cheat and mislead into buying insurance policy from them. Then they use a clearly dishonest scheme of business, which is absolutely unacceptable. The customer service is unresponsive and helpless. With all this in mind, I cannot recommend Squaremouth.
Where To Buy Squaremouth In Stores?
The cost of your travel insurance from Squaremouth will depend on the details of the quote, including the trip length, travelers' ages, and trip cost. The cost of the insurance premium is the same aspects. It can be lower if you don't need Trip Cancellation coverage. The price of a Trip Cancellation policy ranges from 5% to 10% of the trip cost. If you opt for Cancel for Any Reason coverage, the cost of the premium may increase by 40%. Some policies have additional upgrades that can influence the cost of the premium. You are advised to review the policy certificate to check your coverage. If you have any worries or questions about your policy, you can contact the company by calling at 800-240-0369. Their representatives are available from 8am to 10pm ET seven days a week but few customers managed to successfully talk to any of them.