May as well not get insurance than get it with Fogg. Will go to all lengths to not pay out, which can be expected but when it is a clear avoidance it is very irritating. Down money and will be telling all to avoid at all costs.

Medical side ofExplorer Travel Insurance. My daughter had an accident in Cambodia where she had emergency surgery The doctors said they didnt have the expertise to continue with her treatment so she went to Thonburi hospital in Bangkok. On the day of her accident we immediately contacted Medical Assist (part of Fogg Insurance) I phoned every day to talk to the lady who had been allocated to us and update on what was happening. I left messages and sent e-mails but she never returned one call or email. My son had flown out to be with my daughter - they never contacted him either apart from one time when he was advised to take my daughter to a general hospital in Cambodia .The doctors told us that this was the worst option for my daughter since they did not have the expertise she needed. Finally my daughter had a "Fitness to fly" certificate from the doctors. Never deal with this company if you want any support or contact from the people you insured with at your time of greatest need. They now refuse to pay for my daughter to return on a stretcher which Thai airlines insisted upon. This company upholds the well believed mantra that the public believe that some insurance companies "will do anything not to pay up". We would never have paid £16,000 if Medicakl Assist had contacted us to say otherwise = but what do you do when they just dissappear!

For the first time ever needced to make a claim on holiday insurance following a fall on a cruise. Insurance was taken out with Explorer who I discovered when making the claim use Fogg Travel as loss adjusters. After submitting the claim I heard nothing despite their website stating they acknowledge receipt within 3 working days. After a month I made direct contact with Explorer oulining my disatisfaction with Fogg. Their MD replied quickly and it prompted a mail from Fogg, apologies etc., but unfortunately my claim could not be covered as the treatment had not been authorised by their Emergency Assitance department. This was not the case and I returned to them with dates/times my daughter and then myseld had spoken with the EA dept., when I was given authorisation to go ahead with treatment. I then received a further mail stating they had spoke with their EA dept., who had no record of that but they were checking again and should be able to get back to me on the folowing Monday. A week on and still nothing. Appaling customer service and I have asked for a letter of deadlock so that I may take the matter to the Insurance Ombudsman.

Been months waiting for a decision on holiday cancellation refund. Asked for info from GP re reason - were supplied with this (at our cost) Asked for more info - were sent this months ago. Now asking for more info which GP wants fee for unless company contact them direct which they have not done. Sadly my father has now passed away and his file has been archived at the GP surgery and can only be accessed if Fogg Travel request direct. Blooming joke of a company, have been in contact with numerous employees who all seem to leave and you get passed onto someone else. It is now not a money thing its the principal as I think they just want us to go away. Our family has been through enough, my elderly mother is so upset with many things but also because they asked for her bank details, she is now so angry they probably wont use them. Wish I had seen the reviews before we went with them. :(

I traveled to Spain last year. During my first couple of weeks there I had a back problem which left me unable to move and unable to fly home. I was stuck in Spain for close to 6 months. Fogg have been terrible. Firstly I was dealing with a company who are linked to Explorer Travel Insurance. After 3 months they informed me that it was Fogg who should be dealing with my claim. Fogg took over and it's been 6 months and still nothing. They're doing everything in their power to reject my claim. They are the worst company I have ever had the displeasure of dealing with. I shall keep going until I've got nothing left.

My friend and I had our flight to The Scilly Isles cancelled so we were unable to travel on another day as it was a short break. The airline confirmed we would get a full refund and the travel company said it would be a straight forward claim. That was mid October!! Despite numerous phone calls and emails, I still haven't received a reply let alone settlement of my claim. Is there anything I like about this company - No. It's hard to get through to the claims department. I've been put on hold, cut off and fobbed off! I've given this lot two more days to settle otherwise I will be taking my claim to the Financial Ombudsman Service.

My sister died suddenly whilst on a holiday in Aberdeen with a Cardiac Arrest which I witnessed, we were going on holiday to Spain the following month with her twin granddaughters and myself and can I say both our companies have paid out and communication was excellent. Fogg Travel have none of these skills in fact I phoned up to find out what was happening the message I got back was a certain person was dealing with my claim and they could not say when it would be dealt with. I put a claim in 2 moths ago and I have just had a letter back saying she had not quoted Ischaemic Disease which had been put on her death certificate (she had quoted High BP , High Cholestral and hardening of the Arteries to FOGG}. My sister was not being treated for this disease and was not attending a doctor for it in fact the doctor had not seen my sister for a long while if she had this disease why was she not being treated for it. I have read other reviews and it seems the same story as what I have experienced I am just one of the many who have fell victim to this company they want you to give up I am not talking about a lot of money here. I am with Nationwide and cannot praise them enough for customer service and granddaughters are with another reliable company. ALL I CAN SAY IS DO NOT TOUCH FOGG TRAVEL INSURANCE WITH A BARGE POLE

I have now e-mailed Fogg Insurance three times over a simple query regarding ski medicards. I have yet to receive the courtesy of a reply. If this is an example of their customer service and attention to detail then it leaves so much to be desired. Whilst the web page may be very glossy and appealing, the service behind this façade is way below anything I have experienced. I shall not be renewing with Fogg when my current insurance period runs out and I would encourage anyone else to do the same. This is a company to be avoided at all costs.

I put in a claim 8 weeks ago for cancelled holiday. Chased them after 6 weeks as heard nothing. They said mine was on a priority list but they had been busy with claims from Ryanair cancelling flights and Monarch going bust. I pointed out I put in my claim ages before those things happened. They promised they would get back to me within a week. Two weeks later I've got an email confirming they've received my claim. No suggestion that they've actually done anything with it at all. I don't understand how they can be so pathetically slow with a straightforward claim.

AVOID THIS COMPANY IF AT ALL POSSIBLE! Father in law diagnosed with terminal cancer so we had to cancel the trip. Initially they were very helpful but after promising 'to acknowledge receipt of claim within 3 days' and 'outcome with 10 days' we never received receipt of claim, had to repeatedly chase on the phone for any action to be taken and were told misinformation every time we spoke to them and the manner in which we were spoken to suggested staff have had no training in customer care.. Eventually when they attempted to resolve the claim they used the wrong information from the medical certificate meaning we did't get full payout due money and had to ring again. Bloke on the phone tried to tell me I had to put it all in writing again, at which point I lost my temper, spoke to a manager and had it resolved within the week - but no apology.

Missed flight from Melbourne due to car breakdown on way to airport. Rebooked for following day at cost of Au$912.00. Supplied all receipts and after an excessive wait received a rejection letter referring me to section B9 which states only covers outward journey from the UK. Note it only covers delay on the outward journey, if travelling by public transport so if travelling by car you are still stuffed! This cover is cheap for the reason it is rubbish. Spend a bit more and avoid this company like the plague!

Declined an insurance claim as one of the party was admitted as an emergency 4 days before travel. The reason after going through medical records we had not declared one of the party suffered from PILES!!!!! They are cheap for a reason !!!!

I never write reviews, I can not normally bring myself to waste the negative energy on it but in this case I feel I must ward off future customers as they have been so devastatingly terrible. I have police reports that show that our lost luggage wasn't negligent. We were reassured by the transport police that everything was thorough enough to make a successful claim but of course it wasn't because there was no description of the thief on the report so they couldn't verify that I saw him. I asked them that even if the small transport police could verify that we actually saw the thief which is prerequisite for them to take my claim further I was then told that even in that instance the receipts were not thorough enough even though the phone company I bought my phone from had written specifically to them to say the phone was correctly purchased from them and could fully verify that. Going further into what steps needed to be taken they needed my flight documentation to make sure that I had actually been to costa rica. Ridiculous. Beyond all of this in terms of customer service, I put the claim in 6 weeks ago and to this day they have never contacted me not once. Every piece of information has been from me reaching out to them. I didn't receive receipt of my documents or that they would be processed. Nothing. Please do not use them, they will use every trick they can to prevent a claim,. Which is essentially a reimbursement as a victim of a crime. I feel more victimised by this company than I do the impoverished man that stole my bag. I wish I could give a lower rating.

Terrible company. I had a ski accident and broke my ACL. Whilst in hospital they asked me to inform my insurance that they needed todo an MRI. Fogg told me to go home and call back the day after!! Three days went by and they refused to pay out anything towards my medical expenses and also refused to repatriate me back to the UK. I am now taking this up with a solicitor as they have not done anything and simply wanted me to use public facilities and find my own way home whilst being unable to walk.

Fogg insurance were the insurers used by our school ski company. One of our students broke his back and fogg refused to medi evac him home. It was one of the worst experiences I have had and one I never want to repeat, poor communication, shirking of responsibilities, money is clearly more important than the safety and well being of the patient. They started off by booking an upright seat in a plane - he had a broken back! It then got steadily worse. Never use this company. Not even worth 1 star.

Foogg insurance expects yu to be able to provide a receipt for any claim you wish to make.
I have used Fogg insurance to cover my frequent travel trips abroad for work and take out a single insurance every time I fly with BMI Baby.
I recently lost some reading glasses on a trip to Netherlands, the glasses were 2 years old and £145 when I bought them.
My replacments which I claimed for were £110. Fogg expected me to have a receipt for the original glasses before making a payment and refused to pay out without one.
I do not keep receipts for that length of time and therefore did not quality for a payout.
Not exactly what I expected and will not be using them again.
Unless you can prove how much the original items cost there is no point in making a claim.

Poor, slow service. Non existent communication. Expected me to chase them for progress. Required lots of information for the claim. Dealt with 3rd parties before me. Parsimonious and incompetent.
Turned a straight forward skiing accident into a long winded chore.

Fogg were very helpful in sending forms, they requested further information and then sent a cheque with not a huge amount deducted for administration etc. Altogether a painless experience.