- Rating:
Summary:
MH Ross has been in the industry longer than many travel insurance providers. They have an excellent rating and good customer service policies. Their plans, and their website, are easy to understand. Their enhanced travel assistance services is provided by a third-party company: One Call Worldwide Travel Services Network.
Editor Review of MH Ross
The Good: MH Ross has been in the travel insurance industry for over 50 years. All their plans automatically include a pre-existing medical condition waiver if you purchase your plan within 15 days of your initial trip deposit. With just four travel insurance package plans, it’s easy to find the coverage limits you need quickly, get a quote, and purchase online. Their travel assistance services, provided by One Call, are extensive and include business and concierge services in addition to a number of emergency travel assistance services. Their plans also come with online medical records access through Global Xpi service.
The Drawbacks: MH Ross plans are only available to residents of the U.S. No travel medical or medevac-specific plans.
The Bottom Line: MH Ross has been in the industry longer than many travel insurance providers. They have an excellent rating and good customer service policies. Their plans, and their website, are easy to understand. Their enhanced travel assistance services is provided by a third-party company: One Call Worldwide Travel Services Network.
How to Get a Quote
Quote and buy direct: Get a quote directly at the MH Ross website. A good choice if you know you want an MH Ross plan and are ready to enroll.
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
Company Information
Company Name | |
|---|---|
| US Travel Insurance Association Member | Yes |
| Refund Policy | 14-day Free Look Period |
| Travel Insurance Plans | Package plans Asset Asset Plus Bridge most popular plan Complete |
| Company Contact Information | MH Ross Travel Insurance Services 9225 Ward Parkway, Suite 200 Kansas City, MO 64114 1-800-423-3632 1-888-424-8731 Fax |
| Policyholder Questions | 1-800-423-3632 |
| Travel Assistance/Emergencies | Inside US/Canada: 1-800-555-9095 (toll free) Outside US/Canada: call operator & connect to 1-603-894-4710 (no charge) |
About MH Ross Travel Insurance
Founded in 1953, MH Ross is an award-winning organization that has been in the travel insurance industry since 1961. MH Ross offers four comprehensive travel insurance package plans, which makes it very easy to compare, review, and decide.
Optional Coverage Available in MH Ross Plans
- Air flight AD&D benefits available at $100,000 ($10 per person), $250,000 ($25 per person), and $500,000 ($50 per person) limits.
- Rental car damage protection available for up to $35,000 ($7 per day).
- Extended Personal Property coverage ($15 per person) for electronics (laptops, cell phones, etc.).
- Sports Upgrade Pac provides medical costs if injured while participating in a covered sport and $1,000 in rental fees or non-refundable tickets, green fees, equipment rentals, lessons ($25 per person).
Highlights of MH Ross Travel Insurance
- Available to residents of the U.S.
- Plans include automatic exclusion for pre-existing conditions if purchased within 15 days of your initial trip deposit date.
- Asset and Asset Plus have flat rates for children (17 and younger), for just $14 or $25 regardless of trip cost.
- Asset Plus includes ‘cancel for any reason’.
- All plans include unique online medical record service through Global Xpi.
- All plans include non-medical emergency evacuations (up to individual plan limits).
- All plans include emergency dental treatment due to injury up to $750.
- All plans include primary medical, hurricane warning benefit, cancel for work reasons, normal pregnancy and school year extensions.
- All plans have both 24-hour and common carrier AD&D (individual plan limits apply).
- Trip cancellation can occur up to your scheduled departure date for a covered reason.
- Additional trip interruption benefits (up to individual plan limits) for accommodation and transportation expenses if you or your traveling companion are hospitalized.
How to Get a Quote
Quote and buy direct: Get a quote directly at the MH Ross website. A good choice if you know you want an MH Ross plan and are ready to enroll.
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
MH Ross Travel Insurance Plans
Package Plans
Asset Plan
Basic travel insurance protection with a few extras to round out the coverage
This plan is ideal for value-conscious families and individuals who want to protect their vacation dollars. Flat rate premiums for children age 17 & younger. Waiver of pre-existing conditions automatic if purchased within 15 days of initial trip deposit. This plan is available for U.S. Citizens up to age 65; trips up to 60 days and trip cost of $50,000
Asset Plus Plan
Comfortable coverage for your primary travel concerns
This plan is ideal for individuals and families who want to protect their vacation dollars without paying for an unnecessarily high-priced plan. Automatic pre-existing medical condition exclusion waiver and ‘cancel for any reason’ are included with early purchase (within 15 days of initial trip deposit). This plan is available for U.S. travelers up to age 65 and trips up to $50,000.
Bridge Plan most popular plan
Higher benefit levels with excellent coverage for travelers
Travel insurance protection with comfortable benefit limits and a number of highly desired extras including non-medical emergency evacuations and 24-hour AD&D. Early purchase of this plan qualifies travelers for the pre-existing medical condition waiver (purchase within 15 days of initial trip deposit). For trips up to $100,000 (maximum for age 81 and above is $15,000).
Complete Plan
A good plan for the luxury trip or cruise traveler
This plan provides exceptional comprehensive coverage with high limits for standard travel emergencies along with ‘cancel for any reason’ and a pre-existing medical condition waiver included in the base plan (when the plan is purchased within 15 days of initial trip deposit). For trips up to $100,000 (maximum for age 81 and above is $15,000).
How to Get a Quote
Quote and buy direct: Get a quote directly at the MH Ross website. A good choice if you know you want an MH Ross plan and are ready to enroll.
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
Screenshots of MH Ross Website
How to Get a Quote
Quote and buy direct: Get a quote directly at the MH Ross website. A good choice if you know you want an MH Ross plan and are ready to enroll.
Compare quotes from all companies: Click here to get quotes from all major travel insurance companies using a comparison tool.
After reading the multitude of negative reviews by previously insured travelers, I am concerned about buying a group package on an expensive trip at a significant premium.
Can anybody comment on how best to arm-twist the Company to pay the benefits promised, especially if all the documentation hurdles were met and the claim still denied on an undisclosed technicality? Do complaints to Insurance Commissioner help, or expensive litigation? I would expect a Regulatory body with “teeth” to enforce policy is needed in this unscrupulous industry. Any thoughts for this wary future traveler?
I am sitting not the phone now waiting for MH Ross to pick up to find out about my claim. The keep asking for a claim number to entered after the tone, when the tone occurs, I enter my claim number, then they repeat the request. This is a simple weather delay that caused a missed flight in country – only 99.00 and you would think it was a round the world trip.
They keep timing out and dumping me into voice mail. I made the claim 10 days ago, one would think that it would be easy enough to verify the documents I sent in.
My son’s next trip (in 2 months) will not be insured with MH Ross as it seems this is not something that I can actually use, it was a waste of money to get.
Do not bother to buy MHRoss Travel Insurance. If you have a claim, they will be slow to respond, then respond with no refund. I made a claim in July 2014, Claim ID #6009576, filled in all necessary documentation. As of September 2014, I received a call telling me that I was denied because I bought $4000 worth of insurance, but my trip costed $4400. I provided them receipts showing all I was claiming was $1000 downpayment of a trip that totaled $3885. So I guess they added what they needed on to get the fine print to kick in… ! Was told I can appeal. Now will have to take alternate action.
Re: Claim #6001112
Dear Sir or Madam,
On May 5th 2014 I purchased MH ROSS policy (#225786) via the InsureMyTrip.com as a protection for my family upcoming trip to Italy scheduled for departure June 16, 2014.
Due to my mother hospitalization I had to cancel my trip the weekend of June 15th. On June 16th I filed the claim with the MH ROSS and the same day submitted all the required documentation. At the time of submission I was assured that the claims are usually processed within 10 business days.
When ten days passed by (06/26/2014) I contacted the MH ROSS for status update, and, in spite of calling the MH ROSS on a daily basis, was not able to receive any feedback or claim status until 07/09/2014, when the claims officer contacted me and requested additional information and asked a few questions. I submitted all the requested information the same day, but was wondering WHY DID IT TAKE SO LONG for the claims officer to realize they need this documentation. Please, note – the claim is pretty straightforward – only one big ticket item (air fare to Italy, ~$3000), and a few small items (<$500). The procedure for reimbursing for the airfare is very straightforward and should be very familiar to the insurance company, and it is highly strange that it took so long.
Keeping my questions to myself, I obliged and submitted all the information the same day, July 9 2014. Today is July 17, 2014, I have been calling the MH ROSS daily (Jeff at extension 322), and although Jeff submitted multiple requests to the insurance company on my behalf, the insurance company ignores me and him – no response has been received as of today.
I find this practice unacceptable and negligent at best or fraudulent at worst.
If the claim is not finalized by the end of the day today, I file the complaint with the Wisconsin Office of the Commissioner of Insurance (http://oci.wi.gov/) and reserve the right to take a legal action against the MH ROSS.
I believe, the claim has to be paid in FULL as soon as possible, and insurance premium reimbursed to compensate for the terrible experience.
Jacob Gelfand
Mr. Gelfand,
I’m sorry to hear about your mother’s hospitalization and any frustration the claims process has caused you. Thank you for taking the time to speak with us on the phone the other day.
If I can answer any additional questions in the meantime, I’d be happy to help.
Best regards,
Katie B.
MH Ross team member
They did what they agreed to do. I purchased a policy to cover a scheduled cruise for February and one week before our departure I was diagnosed with a tumor in my left kidney. The doctor just laughed when I asked if we could handle it after the cruise. So we had to cancel. I submitted copies of the hospital stay and credit card receipts for the airline and cruise. The review process took a little longer than I thought it should because of the snow storms in Kansas, but we have been paid in full for our trip. I have one less kidney but I’m glad I bought travel insurance.
Riley,
We are very sorry to hear about your health issues and hope that you are healing well. We would also like to apologize for the wait you experienced with the claims process, but appreciate your patience and understanding when our offices were temporarily closed due to the snow storms.
If we can help you with any travel insurance needs in the future, please let us know.
Best regards,
MH Ross Travel Insurance team
MH Ross would not reimburse me for the charge that Delta levied for me to restore my frequent flyer miles in my account due to having to cancel a trip. Their rationale was that they only reimburse for pre paid expenses. A sad excuse on their part. They have lost me as a long time customer.
TOTALLY AGREE. save your money and don’t bother insuring with MH Ross. I spent months documenting and submitting every single piece of evidence to prove my claim and in the end they denied my “trip interruption” under any flimsy excuse they can find. they will redefine how they want to interpret things. SAVE YOUR MONEY!! A member of my hiking group was injured and that caused the trip/hike to be interrupted. They said this member was not a “travel companion” even though the hiking group by any definition MADE them a “travel companion”. They wasted my time documenting this trying to wear me out or make me give up. when I completed dozens of pages of documentation the waited over a month and finally came up with “not a travel companion” excuse. SAVE your MONEY – this was a total waste of money and time.
Do not trust this company. They do not live up to their agreements.
I purchased a policy with a cancel for any reason option. The trip was for a European travel at $1432/ticket. I was unable to travel overseas. After contacting MH Ross and asking how to handle whether I should cancel the ticket or pay change fees, I was told to contact Delta. I used the ticket for domestic travel and was charged a $250/ticket change fee. I applied for a claim for the $250/ticket. Since the domestic ticket was less than the international ticket, they are rejecting my claim as I did not have to pay any additional amounts.
Sorry, I don’t recall that being a clause under “cancel for any reason.” I should have cancelled the ticket and charged them the entire amount.
I am appealing. Their behavior is appalling.
Stephen,
I am sorry you are not happy about the way your claim is being handled. Unfortunately without more details I cannot research the situation. If you would like to contact me with further details, I will be happy to find out the specifics.
Sheri A. Machat
Senior Vice President
MH Ross Travel Insurance Services
smachat@mhross.com
A follow up post.
My claim has been resolved to my satisfaction. Both Ms. Machat, SVP at MH Ross, and a member from Insuremytrip.com (where I bought the policy) responded to my postings. Ms. Machat reached out even though she was on personal time.
I sincerely appreciate both of the companies’ efforts.
It was unfortunate that a SVP needed to get involved with this. I believe this was a fairly straight forward claim. I only claimed the unreimbursable expenses, I worked to minimize the loss, and I provided documentation. If MH Ross had contacted me before denying the claim initially, we probably could have kept this out of the social media. However the initial review seemed very uninformed, and the phone call I received to inform me of the denial was meaningless. The phone rep only read off the letter, had no information about the claim, couldn’t address any questions and kept talking over me. They had a script. I had to tell the rep that they need to stop talking and listen to understand my concerns. Even with that I got nowhere.
That concerns me. I hope MH Ross looks at the first line experience of customers, because travel insurance is about piece of mind and a travel insurance company is only as valuable as how it handles its customers’ piece of mind.
Terrible company with incompetent humans. They keep asking for info already given, claim is taking over two months, and no light at the end of this tunnel. I wouldn’t trust these people to water my plants.
my experience also. this travel insurance joke is only a trap to get people to donate their money to MH Ross. their site will not allow me to post a review even though I purchased with that very email id. READ THIS AND SAVE YOUR MONEY. travel insurance via MH ROSS may make you feel good but you’ll never see it if you have a claim. Total sham.
Hi Winston,
We are very sorry to hear about your frustrations. We’re always open to feedback and want to hear from our travelers. We would like the opportunity to address your issues and speak with you. Can you please send an email to info{at}MHRoss.com with your phone number, claim ID number and a good time to call you? That way, a customer service team member can reach out to discuss this with you. We look forward to talking with you and hopefully resolve your issue.
Thanks, Winston.
Katie
MH Ross team member
Be careful with this company!
We purchased MH Ross “advantage Asset plan” that provided trip cancellation and trip interruption. Our Nile cruise was cancelled on our very first day in Cairo due to demonstrations that broke out during our incoming flight. We needed 4 nights to arrange travel home.
Continental canceled return flight to US but appropriately refunded our unused return ticket! MH Ross on the other hand refused to pay for an obligatory last minute BA ticket (which through the effort of our stateside daughters we were able to obtain) to leave Cairo for home during the riots. MHRoss paid $1256 for the Cairo stay/delay. Total documented unpaid claims against MHRoss are $1400 for canceled pre-paid Nile cruise and $3400 for emergent BA economy seats to Boston.
Hi- I believe Robin Sherwin’s claim has been paid. Can we leave an addendum?
I bought a cancel for any reason advantage policy from MH Ross. I did cancel and it is taking them over a month to review my claim and they have no answer for me when the review process will be complete. Now with air travel impacted by the volcano, who knows when I will get my money???
this company have fail to contact me regarding a claim dispute with old republic insurance company which require receipts for lost/stolen mdse where as the policy mh ross sold do not states receipts are required. BE AWARE WE HAVE NOT REACH A FAIR RESOLUTION YET