Combined Insurance Company Of America

Most of the reviews seem to be based on people’s experiences with their agents. That’s too bad, because the company is actually really great! Between my husband and I, we have had policies with Combined since November of 2017, and have already submitted seven claims and been paid for all of them! We even got paid twice for bad bruising my hubby got from playing sports. I don’t know any other company that would do that.

I think it comes down to two things:
1. Did your agent spend the time to explain exactly what is and is not covered? Or how each covered thing gets paid? Did they make sure you actually understand it? Mine did, so there were no surprises.
2. The time it takes to pay the claim. About half of our claims were paid within two weeks. The other half had extra documents that we needed to submit (like reports from the hospital, X-rays, etc.) and we had to wait for doctors to send them in for us. ? We were told that Combined has 15 business days to process new information for claims, and that was a bit annoying, but only two of our 7 paid claims took that long. The others were paid out long before that.

If anyone wants to contact me personally for more of our positive experiences, please do. I can’t say enough good about this company.