Aon Trip Insurance Anmeldelser 

One star. Like so many others I'd give them zero if it was possible. We had a medical emergency of which my family had to disembark day 3 of a 7 day cruise on Carnival. They initially denied it stating it was a trip interruption. We filed paperwork from Dr's, flights, cruise itinerary, EOB from insurance, surgery bills etc...five...times. filed it five times. And they still are fighting us. They call during odd hours 5am or 10pm and "if" They leave a voicemail, there isn't a call back number. You can't call the number they called you from either. It's a number that doesn't receive calls. I talked with maybe one person who was kind and seemed to want to try to review our claim. Do NOT use this company.

I have seen alot of bad reviews. I didn't experience this. My claim was approved within 5 days of them receiving it and it was approved. I then received my refund the process was less than the 10 days they say it may take. All of the customer service people I dealt with where kind and curious. I have absolutely no complaints. I am very happy with the service they provided me.

I have been trying to file a claim with Aon for months on a cruise that was booked to depart on May 12, 2026. Every time I emailed them I kept getting emails stating that someone would be in contact with me and no one ever called. I could not submit my claim via the internet as it states you are supposed to do. I am no longer able to go for reasons that are not specifically covered. Anyone thinking about using this insurance company, I would suggest you reconsider. If you do not fill their criteria exactly, they will not cover you. I wasn't even expecting the whole amount back, but I paid in more than $1000.00 and was only expected a small portion back, but they will not honor even that small request. I work with credible international travel companies on a regular basis. The insurance companies they use pay 100% back regardless of the reason. PLEASE use another travel insurance company just in case something happens.

We had to cancel for an ongoing medical issue that was getting worse. We filled out all the paperwork, had the doctor fill it out TWICE and our claim was denied several times. I jumped thru hoops trying to satisfy their requirements only to be denied time after time. Their customer service representatives were curt, unapologetic and just downright unpleasant. It wasn't until I escalated the claim with a detailed timeline to the Better Business Bureau did they finally respond with kindness, or should I say Damage Control. I got a pittance of a refund finally but not all that I had put down for a river cruise. They closed the case and I had to be satisfied. I have never had this kind of bad customer service before from a travel insurance company. I'll never use their services again

My husband and I booked a cruise in 2/25 through Celebrity Cruises. The sailing date was 9/21/25. We selected the Vacation Protection Plan when we booked, and paid $478 for this coverage. My husband had a shoulder replacement in 5/25, but we didn’t plan to cancel since he would be fully recovered by 9/25. However in 8/25 his surgeon called us to let us know that a defective implant had been used in his replacement surgery, and a revision surgery would be needed. Since this revision surgery was scheduled in 9/25 and then had to be rescheduled to 10/25, the cruise had to be cancelled. We filed a claim with Aon insurance.The claim was denied because of a preexisting condition. I have never had such inept dealings with a supposedly reputable business. They apparently only have one fax machine, so it is impossible to get records through their fax machine either by us or by our doctor’s offices. We have sent records several times only to be told that they need them again. And don’t even talk about the frustration of trying to deal with persons for whom English is not their primary language! I truly think giving them money for coverage is totally wasted. All they intend to do is deny claims. We were loyal Celebrity cruisers, but dealing with Aon makes me seriously question whether I will ever cruise with them again since they choose to do business with such a disreputable business. This business is a total scam. If you book a cruise with Celebrity, my advice is not to choose their Vacation Protection Plan. Do you research and pick your own coverage. I sure wish we had!!

We had the most comprehensive insurance on a very expensive safari thru road scholar and AON refused the claim which was in their own terms legitimate. There is no independent review of contested final decision. Their license should be revoked and I would give them a zero if possible

Do not use Aon Trip insurance without reading the fine print. They say you get a full refund if you,a relative,a travel companion or business associate gets sick or injured. What that actually means if you or the person in the cabin with you gets ill or sick you’re covered. We misunderstood that to travel companions as in anyone in our group. Unfortunately, we were not told that wasn’t the case until after we had already canceled our cruise to file the claim and now we do not get our money back.

This ‘insurance’ is a scam. You can cancel your trip for any reason but don’t expect a refund. It’s designed to drag out and deny claims. I have waited a month for a claim that I was told would take 7 to 10 days. And forget about taking to an English speaking representative who actually understands and responds to questions. Waste of money, and time.

Do not waste your money. The company and insurance are a scam. They do everything possible to avoid giving you your money back. You don’t even get to speak with people in America, and the process drags on for months, clearly designed to wear you down until you give up, only for them to deny you in the end.

Honestly, it’s better to buy no insurance at all and take the risk than to go through the frustration of dealing with this company. This plan is worthless, misleading, and completely unfair. Royal Caribbean should be ashamed of offering something that feels so deceptive and exploitative.

I had to cancel a Royal Caribbean cruise due to my wife being ill and not being able to take a 6 hour flight safely without problems. I started a claim, filled out the paperwork and obtained a form for her doctor to fill out and return. After 7 days I received 2 emails stating that the claim was approved. As it stated, 5 days later I received an email with payment processing instructions. The payment was in my Chase account literally within 10 seconds. In talking to AON’s phone representatives during this process all of them were friendly, professional and helpful. I’m gobsmacked at how simple and streamlined this process was. WELL DONE!

I purchased travel insurance through Disney, administered by Aon Affinity/Arch Insurance, for my October 2024 trip. A mandatory hurricane evacuation forced me to leave two days early, leaving me with $690 in unused, non-refundable hotel accommodations.

Disney refunded my park tickets and meals, but the insurance company has repeatedly denied my claim, giving shifting excuses — first saying I had been reimbursed (which was only partially true), then saying my accommodations weren’t booked “directly” through Disney (which is not an exclusion in the policy).

I have submitted receipts, a letter from the rental company confirming the non-refundable amount, and copies of the policy showing coverage. Despite this, I’ve been asked multiple times to re-upload documents, only to face more denials and delays.

This experience has been exhausting, and I feel the company is making me work far harder than should be necessary for a clear covered loss. I cannot recommend Aon Affinity for travel insurance.

I was told by Celebrity Cruise Lines that if I cancelled for any medical reason, I would be fully refunded. That was an absolute lie. My wife had to have wrist surgery for an existing condition and I was denied a refund. The Celebrity Cruise Lines representative who sold me this policy for around $700 received a commission for it as did Celebrity. The run around I received from AON and speaking endlessly with people who do not speak good English was beyond frustrating. They drag things out and their lack of being able to speak without foreign accents is infuriating. DO NOT PURCHASE ANY INSURANCE FROM AON. THEY DO EVERYTHING THEY CAN TO NOT PAY CLAIMS!

We purchased Aon insurance through Oceania Cruise Line for a trip to the Norwegian Fjords. Our pre and post cruise stops in London and Oslo were arranged by and paid for through Oceania. Insurance was charged on the total cost of the trip. My partner had her passport stolen in London, had to remain in London to obtain a Temporary passport from the US Embassy and had to fly to Belfast to join the cruise on its third day. Due to the Temporary passport we both had to disembark early in Oslo and depart the country immediately by flying home. We lost the funds we had paid for two nights in Oslo and our return airfare tickets. Aon considered this a "delay" in our trip and not an "interruption" meaning that our reimbursement was limited to $500 each. Collectively we lost over $11,000 due to this insurance scam. Do not ever arrange insurance through Oceania or Aon Insurance.

Aon insurance is a SCAM. They do not cover anything. Dont waste your money. They don't cover anything. I was on a cruise just walked on the boat. I received
word of my nephews death. They will not pay because I filed as trip cancel not trip interruptions. They do not cover death. THEY TOLD ME TO READ FINE PRINT. THEY DO NOT COVER DEATH. If it does not fit their criteria. I have been fighting with them since May. I have asked to talk to manager and cowards will not call me back. They hide behind form letters. AON IS NOT REPUTABLE!

I gave this company a 1 because zero is not a choice. Bought the insurance, canceled the stay, spent an hour gathering and scanning documentation required to file the claim just to be told my reason for cancelling was not covered. What a JOKE!

I booked my Cruise with Norwegian and added the Travel Insurance for my Family. I was told if I needed to cancel for an reason, I would be able to get a full refund. Norwegian uses AON Travel and it am getting nothing but a run around trying to get my refund for my son that isn't able to make the trip. What is the purpose of paying for this extra Insurance if you can't use it. Also I do not like speaking to people in another country if they don't speak good English.

Zero stars if it was possible! I was involved in a car accident the day prior to leaving to get to my hotel that I booked through Expedia. I went on the app and canceled my hotel because my car was unable to be driven. One of the options was to add insurance through AON that would be my biggest mistake. I purchased the insurance thinking it was going to help me cover the cost of the hotel room. I was unable to get to due to circumstances beyond my control. I submitted my claim and was told that I was not getting a refund due to the fact that I purchased the insurance after the accident. If the insurance isn’t going to cover it then why was it an option for me to purchase it? I will never use this company again and I wouldn’t recommend anybody else use it either. I requested my claim be reopened and when I received my call back, I was met with an extremely rude claims adjuster Laura Haven that ended up hanging up on me before completing our conversation. she had no empathy. She had no compassion. She was completely rude. I would not want anyone else to be treated the way I was. I have reported them to the Better Business Bureau and will continue to post my negative reviews so no other people have to go through what I have.

The review is a zero not a one. They won’t allow a zero and they should. This company is unprofessional and incompetent. We booked a Tauck cruise we had to cancel. We purchased the insurance at the time of the cruise so there is no pre-existing condition limitation. The cruise and Aon agreed. We sent 2 doctor letters indicating the date he could not go on the cruise. Aon wants complete medical records for my husband. I could not believe it. They said they want to make sure my husband was OK to travel at the time I booked the trip. Do you really think I would book a trip for somebody who is incapacitated to travel? They over reach and are plain bullies. They don’t want to pay And look for every reason not to. This company should be thoroughly investigated for their practices

This is the worst company i have ever dealt with. Gave me the run around. Denied claim because they said didn’t get records they needed. Which is a lie. My doctors sent me what they sent and I sent it also. Had emergency back surgery 1 month prior to cruise departure. Then came back and denied it because it was within 60 days of departure. It was extremely hard to understand customer service rep and claims rep. Said they would call you back and never did. If there was a way to give a worse rating I would.

This insurance company is terrible. My wife had a gallstone imbedded in her pancreas during a Celebrity cruise. The pancreatitis pain was immense. The cruise ship doctor administered morphine every four hours until we could get to the closest port of Bimini. Finally, the nurses came and she was airlifted to Fort Lauderdale. Our policy had $50K coverage and AON agreed to pay only $20K of our $81K bill. AON is worthless. Don't waste your money. If Celebrity offers AON when you book, don't purchase. Go with another more reputable travel insurance company and pay them for the cruise dates. This claim, considering the immense medical emergency, should have paid the full $50K. AON is terrible we are appalled they made up a reason to pay less than half of policy limits.