Combined Insurance
Combined Insurance Overview
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Combined Insurance has 1.7 star rating based on 103 customer reviews and consumers are mostly dissatisfied. Rating distribution shows 83% unfavorable. Reviews cite high price level, widespread claim delays and denials, frequent requests for a refund, and poor reliability and customer service.
Key Takeaways for Future Customers
- Check recent Combined Insurance reviews before buying to confirm policy details and exclusions.
- Expect slow claim processing and persistent customer service callbacks when filing a claim.
- Monitor billing and subscriptions closely and document cancellation attempts to seek refunds if needed.
Negative Feedback / Risk Areas
- Frequent claim denials and long pending claims create major Combined Insurance customer complaints.
- Poor communication, hard-to-reach support, unauthorized charges and billing errors are recurring issues.
- Cancellations and subscription handling often require escalation and sometimes regulatory complaints.
Positive Feedback
Some customers report a helpful agent or an occasional successful payout, but positive experiences are rare compared with reported problems.
The generated data is based on reviews and questionnaires provided by PissedConsumer.com users.
Combined Insurance has 1.7 star rating based on 103 customer reviews and consumers are mostly dissatisfied. Rating distribution shows 83% unfavorable. Reviews cite high price level, widespread claim delays and denials, frequent requests for a refund, and poor reliability and customer service.
Key Takeaways for Future Customers
- Check recent Combined Insurance reviews before buying to confirm policy details and exclusions.
- Expect slow claim processing and persistent customer service callbacks when filing a claim.
- Monitor billing and subscriptions closely and document cancellation attempts to seek refunds if needed.
Negative Feedback / Risk Areas
- Frequent claim denials and long pending claims create major Combined Insurance customer complaints.
- Poor communication, hard-to-reach support, unauthorized charges and billing errors are recurring issues.
- Cancellations and subscription handling often require escalation and sometimes regulatory complaints.
Positive Feedback
Some customers report a helpful agent or an occasional successful payout, but positive experiences are rare compared with reported problems.
Media from reviews
West Palm Beach, Florida
My insuran pearlie ingram claim claim...
- - Claim #T960242 alleges breach of contract by the insurer, over a year in processing, and a request for denial documents to start legal steps.
y jyst want process your claimmy insuran pearlie ingram claim claim #T960242 Combined has breach there contract with badf aith. they need submit the deny doucment of pay the claim it bein g over a year in processed my.
it you going deny . let it on so therefore the lawyer can start there work
User's recommendation: no after seven year combined just do not like to there custmor
Bellefonte, Pennsylvania
Not able to contact a person.
No one will speak to you when there is a problem. Have paid in for 14 years and have filed a claim and got next to nothing. Am going to contact lawyer.
User's recommendation: Do not use this company
Melrose Park, Illinois
Cancellation
- - -Cancelled policy with Combined Insurance last Sept; payments continued; 41.19 check issued.
- - -Two staff gave conflicting status; seeks refund or BBB.
I cancel my policy with combined insurance company last year in September and combined continue to taking my money for an account I cancel and was told by there employer that they saw where I did try to cancel the policy and then another employee said he didn't see it and they sent me a check for 41.19 I want all my money back from the date I try to cancel to now or I will have to report this matter to BBB and a complaint
User's recommendation: Don't deal with combined insurance company
Trumbull, Connecticut
Doubts about payment of my claim.. Is it possible talk w/ translater in portuguese?
Cheque no valor de $255 recebido em 3/14, mas com data de 01/05. 4 meses sem trabalhar. Claim 2918****.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerPoor Communication/Services
- - Claim filed last month; still listed as 48 hours to complete.
- - Spoke with 2 of 4 supervisors; they keep saying 48 hours and to call back later.
I put a claim in last month and am still getting 48 hours to complete. I spoke with 2 out of 4 supervisors, and they continue to say 48 hours and to call back days later, and still the same answer: 48 hours and to call back in a couple of days.
So it's like they are not honest with me, and I pay my premium every month. I will not recommend.
User's recommendation: Choose WISELY and before you get in this company
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerBilling
- - There is buzzing noise and no response.
- - Support is hard to reach.
- - I was charged more than quoted.
- - I am unhappy with the company.
I havent talk to anybody all Ive had is a buzzing noise. Why is this company so hard to get a hold of why are they charging me more money than what they are supposed to?
Why cant we take care of this issue? Im very unhappy with this company.
User's recommendation: Absolutely not
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerI have been a Customer with Combined insurance for many years
- - Cancelled three Combined Insurance policies 1/10/2025 after bad claims experience.
- - Filed claim for outpatient surgery in Nov 2024;denial Jan 10, 2025.
I cancelled my 3 policies that I had with them since 2000, because of they’re deceptive practices.
So after all these years with this company I decided to cancel all 3 policies! And never recommend that anyone buy into this Scam!
Combined you got my money enjoy it because youll never get my business again and never will I recommend your company to anyone again! And tell everyone that I know that has any policies with your company just how you guys operate!!!
Middleborough, Massachusetts
Status of continue disability claim
- - Portal login issue; wrong email corrected.
- - Cannot log on; no one to speak with.
- - I want to know where the payment is coming from.
I called to fix my portal
Wrong email gave the correct one.
Tried to find out status of my continuing disability claim.
Could not log on.
Called.
No person to speak with.
How do I speak with a human person
I would like to know where my payment of this claim is coming
Iasi, Iasi
Darina
Mi sa blocat contu nu știu de ce rezolvati cât mai repede problema va rog frumos aștept se 2 zile mai dureza
User's recommendation: Superbet
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerNone payment/lack of communication
- - Policy held since 2006; service slow.
- - Took 2 months to pay, then another $150 in 2 months.
- - Payments stopped; claims dept has not responded.
I have a cancer policy that I've had since 2006. This company is a joke!
The website is a joke! It takes 30 minutes on the phone to get a person. I have stage 4 cancer. It took 2 months to get a payment.
After that, it took 2 months to get another payment of only $150. I send everything they ask for. Payments have stopped. Their response is always the same!
This process has taken too long and I will email the claims department. I get zero responses every time!
User's recommendation: Stay away.....
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified Reviewer |
New Taipei City, New Taipei City
I would like to cancel all policies if I can’t get an agent to contact me
I CANNOT GET AN AGENT TO CALL ME BACK. IT BEEN 4weeks and numerous phone calls from me. I would like to cancel all policies if I cant get an agent to return my phone calls
- Will not return my calls
Preferred solution: An agent to call me
Greensburg, Pennsylvania
Worst company I’ve ever dealt with they don’t wanna pay out on the claims
- - I've paid into a policy for over 20 years and now want to collect.
- - The policy is two months behind.
- - Staff appear to not know what they're doing.
Somebody else run in the damn place ive been paying into a policy for well over 20 years probably and now its time to collect and every time it there two months behind they dont even know what the *** theyre doing if the fight with them constantly
User's recommendation: Go somewhere else
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerTHEY TAKE YOUR MONEY THEN WONT PAY YOUR CLAM !!!
- - Adjusters lack medical record knowledge.
- - The company should be reported to the attorney general.
- - They take money and don't pay what you're owed.
Talk about insurance fraud. The adjusters have no education on medical record knowledge.
They do not even need a high school education to work for the company.
The company should be reported to the attorney general's office. They take your money but never pay the amount you were owed.
User's recommendation: do not use them
Insurance Expert Talks
Exposed: Types of Insurance Scams and Fails
The insurance fraud: What is insurance fraud? What are the worst cases? How insurance fraud is discovered? How to protect yourself from an insurance scam? In this video, Charles R. Gallagher, an attorney, exposes the most common insurance fraud examples.
Charles R. Gallagher, an attorney and managing partner with Gallagher & Associates. His practice focuses on insurance litigation, foreclosure defense and consumer law.
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerUnsatisfied customer
- - Canceled Combined Insurance policies after 10+ years; waited 18 months on disability.
- - Payment denial was tied to Worker's Comp; I never applied.
COMBINED INSURANCE IS THE WORST!! JUST CANCELED MULTIPLE POLICIES WITH THEM YESTERDAY.
I'VE BEEN WITH THEM FOR OVER 10 YEARS. I'VE BEEN OUT ON DISABILITY SINCE MARCH 2024 BUT THEY REFUSED TO PAY UP ON MY POLICIES UNLESS I PRESENT THEM WITH A LETTER SAYING THAT I WAS DENIED BENEFITS FROM WORKER'S COMP. I TOLD THEM MULTIPLE TIMES THAT I NEVER APPLIED BECAUSE I HAVE DISABILITY INSURANCE WITH THEM. IT'S BEEN OVER 18 MONTHS AND STILL WAITING.
I HAD 2 DISABILITIES AND 2 ACCIDENTAL ADDING UP TO 3,600 DOLLARS MONTHLY . I CANCELED THEM YESTERDAY BECAUSE I REFUSED TO GIVE THEM ANYMORE OF MY MONEY FOR FREE
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerComplaint
- - Fraudulent account opened; fameadvice billed.
- - Despite 7 contacts, more charges occurred in 4 days.
- - Billed for 5.5 weeks; reported to authorities.
An account was opened fraudulently that fameadvice.com is the billing company. After contacting them 7 times via various methods, they have said that the subscription being billed for has been canceled, assured me that no further charges will attempted , and the situation is resolved...
yet 8 more attempts have been made by them to charge various amounts have been made in the last 4 days, of which the last 2 of the charges attempted were made 2 hours prior to while I was actually talking to them & the cherry on top was literally during our conversation about the situation while they were assuring me that they were not charging me any longer.. mind you the whole account was fraudulent and I was continously billed for 5.5 weeks so far after I reported this to them and authorities. Smh.
You can only chat with support 24/7 , send an email which you are supposed to receive a response within 12-24 hours and most issues are resolved within 12 hours( which i sent 3 and have yet to get a response...and it has been over a month since i sent the 1st email), or by phone that I have never been able to speak to anyone just sit on hold forever and ever only to get recording saying they are only available m-f 8-5 eastern time * which all of the calls I made were during those hours *
This has got to be the absolute worst company I have ever had the unpleasant opportunity to deal with!! If I could give them negative stars it would be -100+
Scam scam scam and they are just doing the billing for another website that isn't any better (worse actually )
User's recommendation: NEVER NEVER EVER NEVEREVER subscribe to anything that uses Fameadvice.com as their billing provider
This review is from a real person who provided valid contact information and hasn't been caught misusing, spamming or abusing our website. Check our FAQ
Verified ReviewerCan never login in
Takes FOREVER just to log in. Keeps cycling and cycling.
It's like they don't want you to get on in order not to make a claim. Just awful.
About
, , Chubb Atlantic Indemnity
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.
Combined Insurance is ranked 235 out of 2421 in Insurance category
USA, Canada, UK
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It's going 14 months for me. Did you ever speak with a Catherine Gallagher.