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Combined Insurance

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Combined Insurance is an American company. The company specializes in supplemental insurance. The company was founded by W. Clement Stone. The tagline of the company is: "Let us make it easy. Combined Insurance." The company provides a diverse range of different insurance products such as supplemental accident and health insurance. The company operates in the United States, Canada, Ireland, New Zealand, Portugal, Spain, Thailand, and the UK. Combined Insurance is famous for providing easily understandable supplement insurance plans. In addition, the company offers professional advice on selecting supplement disability and other coverage.

Combined Insurance is recognized as a leader in supplemental insurance.
Please try to contact Combined Insurance Customer Service directly prior to posting any complaints on this site.

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Combined Insurance Complaints & Reviews

Combined Insurance Reviews

Mprendo
Combined Insurance - This company is a fraud!!!!
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

My husband got hurt during a fall while training for a job out of town. he was told to go to the urgent care at the hospital so he did. when he got home, we filled out his claim pa...

#311375
Apr 11, 2012
453

Wilunawild
Combined Insurance Australia Awesome
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Awesome - I have a current policy and thank goodness I haven't had to claim on it, but I have family and friends that I referred and unfortunately they have. One friend r...

#303902
Mar 11, 2012
360

Anonymous
Combined Insurance
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I was an agent for this piece of *** company back in the 80's. I see they are still ripping people off. Amazing that so many of my superiors got rich off of fake and non exist...

#283542
Dec 23, 2011
1182

Ratón P...
Combined Insurance sales force in Spain was sude by the company
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

AL JUZGADO DE INSTRUCCIÓN   Laura Fernández Fornes, Procuradora de los Tribunales y de la mercantil COMBINED INSURANCE COMPANY OF EUROPE LI...

#282985
Dec 21, 2011
703

Sarah l
Combined Insurance - I love combined
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Combined has paid multiple claims for me and my family always recieve the best from agents has helped friends people that dont get paid are *** and are trying to get money for...

#280953
Dec 12, 2011
903

Hatecomb...
Combined Insurance teached me how to lie to my customers and also took all my money
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I apply online because the opportunity they where offering was amazing, *** me I believe them. First week they said we will pay u $1000 if do this, I did it, lie to my customers...

#279651
Dec 06, 2011
1108

Lindaabe...
Combined Insurance - Combine insurance full of crap!
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

My husband had several policies with this joke of insurance company one of the policies was for if you were to get injured and not able to work they would pay him what he's was...

#278038
Nov 29, 2011
1223

Anonymous
Combined Insurance - TAKING MONEY OUT OF MY MOTHER CHECKING ACCOUNT AFTER CANCELING 2 POLICYS
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I CANCEL 2 OF MY MOTHER POLICYS AND THEY ARE STILL TAKING MONY OUT OF HER CHECKING ACCOUNT. I CALL THEY SHOW IT BEING CANCEL BUT IT WAS TO LATE TO STOP PAYMENT FROM COMING OUT THAT...

#277142
Nov 25, 2011
760

Coalmama
Combined Insurance - Have not paid and falsified medical codes with no appeal process!
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Stopped paying after IME which was a 10 minute joke when I complained they sent my records by computer and used only one medical code for a strain instead of all four medical codes...

#275409
Nov 16, 2011
625

Mary mor...
Combined Insurance - My death certificate was not returned to me
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I KNOW I MYSELF HAD ACCIDENT INSURANCE, WITH COMBINED ISNURANCE. IWAS INQURING ABOUT THE ACCIDENT INSURANCE ON OR ABOUT JULY 2011THEN ,BEING MY MOTHER AN I HAVE THE SAME NAME, PA...

#270533
Oct 25, 2011
678

Anonymous
Combined Insurance - Worst Customer Service
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Combined Insurance has the worst customer service of ANY company I have every dealt with. They do not return calls or emails and on the rare occassion that you actually talk to a h...

#270044
Oct 23, 2011
705

Danny si...
Combined Insurance - Combine insurence has not paid my claim of Almost year
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

This company has been laxed in paying my claim, i had a work related injury while i was still covered by combine and i am still unemployed and no money and this insurence company ...

#260762
Sep 09, 2011
846

Anonymous
Combined Insurance - 8 months after accident not a dime but plenty of excuses
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

My father owns his own business and n oct had a brain anurisium. His business has been shut down he's still paying his bill they send ,he has been a customer of theirs for yea...

#241491
Jun 05, 2011
1387

Happyfella
Combined Insurance - Very Pleased with my Claim!
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I was at work and i cut my hand, got 4 stitches. Phoned the sales agent who sold me the "hero" and "top" and he helped me with my claim. Sent it away and in less than a week i got ...

#238657
May 20, 2011
1365

Susie12
Combined Insurance - Beware
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I have been a Combined Insurance customer for many years with a wide variety of policies, as have other members of my family. I became disabled from a Worker's Com...

#231721
Apr 11, 2011
2391

TOTALLY ...
Combined Insurance Company is incompetient.
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Run Forrest Run!DO NOT use this company. They are a bunch of incompetient people. They will double bill you and then when you catch them at it even though they c...

#229931
Mar 31, 2011
1358

Anonymous
Combined Insurance - Rip off
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Bought a accident / sickness policy back in Aug.2010 .The policy is suppose to start same day. I became ill in late Oct.2010 Doctor put me out of work totally disabled.Now today 03...

#226698
Mar 14, 2011
2791

Disabled52
Combined Insurance - Refuse to pay on my disability policy even after I received disability through my state.
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I have an income protection policy. I became disabled June 1st, 2009. It is March, 2011 & the claim has not been paid. I have to see a doctor every month & send them a form.

#224820
Mar 03, 2011
667

Anonymous
Combined Insurance - If you die they still do NOT pay
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I have a good friend who's brother died in an auto accident in August of 2010. They had a life insurance policy. Combined has lost the death certificate twice, the doctors stat...

#221719
Feb 15, 2011
1608

Anonymous
Combined Insurance - I have had this insurance for many years and i have NEVER had any problems with claims
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

This is a good company these complaints are probably because they did not give the correct or relevant information they required. my wife had a knee rupture from slipping and twist...

#221230
Feb 12, 2011
1243

Anonymous
Combined Insurance - The company can stop taking money from my checking account before the 28th of the month
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I am getting very sick and tired of Combined Ins. taking their money out of my bank account at odd times! I have asked repeatedly that it not be removed until the twenty eight day ...

#218432
Jan 26, 2011
1519

Roscoe1
Combined Insurance Refuses to Pay
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

The company collects premiums from supplemental insurance programs such as a "Hero Plan" but makes the claims process so inconvenient it’s not worth completing the process. Every...

#218156
Jan 25, 2011
1132

Anonymous
Combined Insurance
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Had paid policy for eleven years without a claim, filed disibility claim and it took over two months for a check, held the next check for two more months waiting on their medical r...

#217017
Jan 18, 2011
819

Jory73
Combined Insurance - Do Not Waste Your Money
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I purchased Combined Insurance about 12 years ago. I never had to file a claim until last year. They asked for verification from every doctor I have seen in the last five years. ...

#215514
Jan 09, 2011
1154

Brown24
Combined Insurance !! Paying for Income Prot. Havent recieved a penny!!
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Got Combined Insurance over a month ago,broke my hand off the jobsite.Suppose to cover me on and off the job.Benn paying for my insurance on time.Accident happened and i try to rec...

#214624
Jan 04, 2011
803

VitosWife
Combined Insurance - Combined sucks!!
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Combined is the WORSE insurance group i have ever known.If i wouldve read the reviews first i would have never wasted time with this SORRY company.They are sooo slow in processing ...

#212708
Dec 22, 2010
1235

Anonymous
Explain "Combined Insurance " accident insurance benefits.
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I've read a lot about Combined Insurance accident insurance policy. I'm looking at a policy from CLICNY (Combined Insurance of New York). Please explain the benef...

#210086
Dec 04, 2010
1412

Madderha...
Combined Insurance
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

I have called combined insurance a total of three times in the yrs i have had ins.. I used to be very pleased with them (1996-97). Last two times I have called in Chicago. The rep ...

#207585
Nov 17, 2010
1052

Anonymous
Combined Insurance - Would not pay claim!
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

Filed a claim for an accident in July, 2010 for accident, Combined would not pay, don't know why, since I have accident policy with them. Luckily I have another policy that DI...

#207328
Nov 15, 2010
926

Sunny2326
Combined Insurance ARE CROOKS!!!!
5.0 Claim Department P.O. Box 6700 ScrantonPA 18505-0700 http://www.combinedinsurance.com/about-combined/choose-contact.html

PAID ON A POLICY.....HAD AN ACCIDENT.....FILED THE CLAIM....AFTER 3 MONTHS THEY DENIED THE CLAIM BECAUSE MY PHYSICIAN FILLED OUT THE FORM WRONG AND THEY HAVE NOW INTERPRETED IT TO ...

#207023
Nov 13, 2010
1440
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Related Information

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Insurance is a form of risk management primarily used to hedge against the risk of a contingent loss. The process of insuring something or someone presupposes the involvement of two parties ?The insurer and the insured. An insurer is a company selling the insurance to a person, who is the insured. The insurance rate is a factor which determines the amount, the premium, to be charged for a certain amount of insurance coverage. The event that gives rise to the loss that is subject to insurance should, at least in principle, take place at a known time, in a known place, and from a known cause. The best example is death of an insured on a life insurance policy. Fire, or automobile accidents, as well as worker injuries may all easily meet this criterion. A large number of insurance policies are provided for individual members of very large classes. Automobile insurance, for instance, covers about 175 million automobiles in the United States.

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