American Republic Insurance Co. Reviews

Shortly thereafter, she passed away and I called them again to notify them and to inquire of the status of the holdup and why. I got the same runaround again. One week later, I had her death certificate in my hand which they require along with all insurance companies and I learned they had completely deleted her from the system! When I asked for a manager, the manager was snide and rude, basically telling me I was a liar and that my grandmother was never their client and made all sorts of comments. In my grief over her loss and my anger over the rough treatment, at that time, I nearly decided to take a little trip to meet this crass individual face to face. Only my pregnancy kept me from actually clearing my bank account, signing over all my belongings and property to my husband and making a one way trip there.

Messing with someone when they are grief-stricken isn't a good idea. She was my world. My uncle is now dying of cancer and penniless. Those benefits would certainly help him more now than in those years ago since her worker's death benefits paid for her funeral at that time and some of it was left over to get her bills caught up. American Republic will never make this right. I have all the proof in one box to prove my words right up to her death and after. I wouldn't speak of this in print if I didn't have the proof and her cancelled checks to prove her premiums were paid faithfully. I would never ever recommend this company to anyone except an enemy if I had one, and I don't because I am good to everyone.

I also would suggest that any of the blowhards who make statements referring to the unhappy, adult clients as "the little boys and girls" that has been done earlier in this forum to stop it for it is a thoughtless and inconsiderate statement and shows your ignorance, not theirs. Belittling others is cowardly, foolhardy and a self-centered form of bullying, in my opinion. If you had a good run with this company, then good for you. But you won't know if your family will benefit from it after you are gone someday, will you? You shouldn't and can't invalidate those who have been totally screwed over and tossed on the garbage heap like my family and the other families who have. In fact, your loose words convince me that you probably work for the company. If you want to dictate your ideals, then argue with God, that is, if you believe in Him for it is written - Vengeance is mine, sayeth the Lord.

It's really sad when people make mistakes and are saddled with large insurance bills, but much of what has been said on here is just a flat-out lie. Be honest about your history.

Oh, and nobody's insurance was "dropped." American Republic teamed up with Celtic in order to provide a lower rate on its Major Medical, something it's done. My premiums went down. Now for the big boys and girls who can read what's written, they'd have seen that they're not just being dropped, they're being offered the opportunity to be transferred with guaranteed renewal to Celtic while still using their American Republic. Simple as that.

As of 12/2011, as you all know, AR is dumping all major medical policies. However, they are not doing so before raising all our rates. The form letter is using the exact same claim it used one year ago - including that of Colorado HB 1008. This seems very fraudulent to me; one last milking of us all before dumping us. I filed a follow up complaint with DORA today. I highly recommend that any of you reading this do likewise.

I am seeking new carrier. I have no choice now. The carrier AR is recommending has higher deductible and claims to know nothing about the additional coverage I paid for to cover my deductible! How could I possibly trust them, anyway?

Hey, any chance that those of you in Colorado who got *** by American Republic could form a group and get group rates? Just a thought.

I'm a bit frantic trying to find another policy before year end and am wondering what is going on with this company. I received some paperwork with the notice to get insurance immediately with Celtic, and if I don't sign the paper switching insurance, I am subject to underwriting. I have no idea what that means. With American Republic, I have a $3,000 deductible, with a rider that takes that to $0. But with the new company, I will have a $5,000 deductible. This is a huge difference in deductible and monthly premium. It doesn't make sense.

When they sold this to us and to this very day they say I can't be singled out. They say that when mine goes up everyone in my group goes up. It’s funny that for years when I was "healthy" my rate stayed pretty steady, now that I had this illness they can charge me whatever they want. They can raise my rate every chance they get. I am close to having none at all. A couple of more increases and I'll be finished because I literally won't be able to afford it. I don't have anything else to give up in order paying for it. Their forcing me and many others out. We have no place else to go and they know it because of our preexisting conditions. They shouldn't be able to do this. My rate went up over 30% in a matter of a couple of months. I think this is wrong and not how they represented themselves. I will soon be one of the many with no health insurance. This is wrong!

After I finish my polite answer, the American Republic rep responds with violent verbal attacks followed by a hang up. I don't understand how a company can train employees to react in this matter to innocent people who have the misfortune to answer these solicitation calls. I will never recommend or accept any business from a company such as American Republic Insurance. Beware!

His response was that he had never had anyone complain before. The company's response on the other hand was they didn't care! I have been paying premiums for insurance that really doesn't exist. I paid premiums for a co-worker and the insurance didn't cover skin checks or her doctor's visits either. I ended up paying for doctor's visits and insurance premiums. I want my premiums back!