Tag Archives: refusal

Reflections, on Travel Insurance

My apologies for leaving you in the lurch. It’s taken me a bit of time to get settled back into my real life.

I’ve been battling the insurance company that I bought my trip insurance from because they’re refusing to cover the repairs on my face even though I was injured on my trip. Turns out that the moment I set foot on American soil, my insurance was gone. I still need to have my nose set, my teeth fixed, and I’m uncertain about the break under my left eye. But, according to them, I’m on my own.

I thought I was being responsible. I thought I was making a good choice. I thought I was protecting myself in the event that something happened. I never expected to have to use it. I bought the policy after much deliberation, research, and conversations with fellow travelers. Be prepared and all that.

What they failed to mention is that if you’re injured on your trip, you have to get it taken care of right then and there. No waiting until you get home even if that’s what the doctor says because of the recovery time. You have to give up a part of your trip to get it taken care of when it happens. AND you pay out of pocket up front which they will reimburse you for afterwards. I haven’t tested that theory yet, but I’m going to guess by the way I’ve already been treated that it’s going to be a million hoops to jump through to get that back in my pocket.

I felt and feel betrayed, disgusted, and ripped off. I thought I’d be taken care of. I thought I was protected. I was but am not now.

Would I tell someone else to buy trip insurance? No I would not. It’s a pretty good scam. You’d be better off putting that money into savings in the event, Dude forgive, you need it. I would not do that again because the peace of mind I had is now a chunk out of my pocketbook. It’s not worth it.

In case you’re wondering, I bought the policy through AAA. Allianz Assistance USA is where the policy came from. They’ll gladly take your money but if you need follow up care, you’re on your own. I wouldn’t trust Allianz ever again. AAA even pled my case to them because my agent was astounded at their refusal. She didn’t get anywhere either.

May peace be with you wherever you are or go. You are loved (but not by Allianz).

NaPoWriMo: Speak to your affliction

povertyinamerica

We need to have a talk.

I’d offer you a chair, but you’ve already smashed that.

I’d offer you a drink, but I can’t afford to make you water.

I’d offer you food, but I have two kidney beans and tomato paste to last me.

You keep taking everything I have.

I’ve tried to feel compassion because I see you in sunken cheeks.

I’ve tried to understand, but you took away my medical care too

I’ve tried to wear your shoes, but they disintegrated immediately.

I’ve attempted great feats of courage, heroism, and charity

On your behalf, but you won’t leave.

Politely, I decline to allow you purchase in my life.

You’re going to leave and not return.

I can’t abide not paying my bills because of you.

I can’t stand the idea of stagnant mobility because of pain

I no longer wish you to attend my every day.

You will go. You will leave.

You will not return. I will watch you bleed.

Poverty, you are not welcome in my home any more.

There’s the door.

While I still have one, leave and return no more.

magalyguerrero.com/napowrimo-with-magaly-guerrero-2015 NaPoWriMo

magalyguerrero.com/napowrimo-with-magaly-guerrero-2015
NaPoWriMo

Unkempt

I hate that the wound I thought was scarred was torn open with Christmas glee

while his wreck of appearance desecrated my safe haven, my holy place, my privacy.

He pulled up a truck to my front windows and loaded it with trash from their home

While I made sure not to move the blinds but with caution because I’m alone.

Seeing him made my heart crumple up like worthless discarded paper

at least as far as he’s concerned,

All I wanted to be for him was a guide as his empowered future shaper.

I wanted to be a guardian of the light I saw within him,

but from his mind, and through his eyes, his light is just too dim.

And so I sit crying while he drives off across the grass of my house

with another bag of garbage leaving wisdom non-espoused.