AARDY: most-reported complaints
Automated analysis of 1,350 public Trustpilot reviews published 2026-01-04 to 2026-09-23. TrustScore 4.9 from 50,240 total reviews — see the Trustpilot page. Quick answer: is AARDY legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report issues with account and app functionality, as well as unhelpful customer support, with each category accounting for 22% of the 74 identified complaints. Warranty disputes were cited by 14% of complainants, while other concerns made up the remaining 15%. The trend for account-related problems is falling, support complaints remain flat, and other issues are rising.
How to reach AARDY
These are the contact details AARDY publishes on its Trustpilot profile, as of our last check on 2026-09-23 — phone 6504926298, email [email protected], address 1200 South Pine Island Road, Plantation, FL 33324, US.
The company claimed its Trustpilot profile on 2016-08-22, uses Trustpilot’s paid features, uses Trustpilot’s AI-assisted replies, and last replied to a negative review on 2026-09-15. Trustpilot ranks it 5 of 113 in Insurance Agency. We last checked this profile on 2026-09-23 and found 88 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
TrustScore over time
4.9 → 4.9 across 13 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-17 (82%, 1.5d) · 2026-08-20 (82%, 1.5d) · 2026-08-23 (82%, 1.5d) · 2026-08-27 (82%, 1.5d) · 2026-09-01 (85%, 1.6d) · 2026-09-04 (83%, 1.6d) · 2026-09-07 (84%, 1.6d) · 2026-09-11 (83%, 1.6d) · 2026-09-14 (80%, 1.6d) · 2026-09-17 (85%, 1.6d) · 2026-09-20 (83%, 1.6d) · 2026-09-23 (82%, 1.6d).
Severity: 16% of this company’s 74 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In April 2022, 35% of 17 one-to-three-star reviews were 1★; in September 2026, 39% of 18.
Counted from April 2022 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 2.2 days between the experience and publishing their negative review (408 reviews record both dates).
What their policy promises
refund window: two weeks
“Set up your Travel Insurance early, within two weeks of paying your initial deposit.”
refund window: 75%
“You receive 75% of the airfare back.”
refund window: same price
“A trip insurance quote at AARDY is the same price you would see directly from the insurance carrier.”
Quoted verbatim from the company’s own published policy (source page); complaint counts are census classifications. As of 2026-09-16.
Policy-page monitoring
We monitor this company’s published policy page for changes. No changes have been detected since we started watching on 2026-09-21.
Automated change detection on the company’s own published policy page — a record of when the page changed, not a judgement on what changed.
Measured reply time: across 411 negative reviews that received a public reply, the median wait was 0.7 days — the company profile reports an average of 2 days.
Reply quality: of 411 company replies to negative reviews analysed, 45% engaged with the specific problem and 39% were generic templates.
Review provenance: 1199 company-invited reviews in the recent window average 4.92★, while 54 organic (uninvited) reviews average 4.44★.
50% of its 1174 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: account/app problems makes up 22% of this company’s complaints vs a 11% median across 67 ranked companies in its sector.
Review velocity: 10,682 of this company’s 50,240 Trustpilot reviews (21%) were written in the last 12 months.
What are the most common complaints about AARDY?
Account/app problems
16 reports · 22% of complaintsfalling“when you want to drill down it was not as easy.”
The company replied on 2026-01-07: “Thank you for your feedback, we appreciate you sharing your experience. While the highlights provide a quick overview, each plan on the site includes a Policy Document link with full coverage details…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
“I could not get into the portal”
The company replied on 2026-03-06: “I apologize for the trouble you experienced accessing your portal. Our team has updated the information on our end and removed the space between “Anna” and “Joy,” so it now appears as “Annajoy.”…”
Our classifier read this reply as a substantive response.
It promised: a replacement.
2 readers marked this review helpful on Trustpilot.
“Very hard to get logged in and difficult to get documents.”
The company replied on 2026-09-23: “Hello Mary, thank you for sharing your experience. Our team has sent your policy documents to you using an alternative delivery method. If you still need assistance accessing or receiving your…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
Support unhelpful
16 reports · 22% of complaintssteady“very bad service!”
The company replied on 2026-05-04: “Unfortunately, we cannot find you in our customer records. We've requested more information but have not heard back. If you're able to send us a message with your details, we'd like to learn more…”
Our classifier read this reply as a template response.
6 readers marked this review helpful on Trustpilot.
“TOOK 2 weeks after filing claim to even be told they needed two more non-medical documents.”
The company replied on 2026-02-02: “Thank you for taking the time to share this feedback. We’re sorry to hear about the experience related to the claim and understand how frustrating delays can be, especially in a situation involving a…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
5 readers marked this review helpful on Trustpilot.
“agent wasn’t answering properly”
The company replied on 2026-02-23: “We were unable to find a time where you reached out to Aardy, however, we’d appreciate the opportunity to learn more about what happened so we can address it with our team and ensure a better…”
Our classifier read this reply as a deflection.
2 readers marked this review helpful on Trustpilot.
Other
11 reports · 15% of complaintsrising since 2026-07“It was never emailed after more than a month of my initial purchase and approval...not good.”
The company replied on 2026-04-28: “We’re sorry to hear that your documents did not arrive in your inbox. Our records show that an email titled “Thank You for Purchasing Aegis Travel Insurance” was sent, and your documents are included…”
Our classifier read this reply as a substantive response.
It promised: a replacement.
9 readers marked this review helpful on Trustpilot.
“Comparing Plans was frustrating - it would be helpful to highlight the differences”
The company replied on 2026-05-11: “Thank you for the candid feedback. We understand how comparing plans and sorting through different company names can feel overwhelming, especially when the differences between plans are not clearly…”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
“you took my money are you going to send me any information”
The company replied on 2026-02-09: “Hello Anthony. Your documents are located in the email titled "AARDY Shield Select Confirmation" that was sent on 2/04. There's a link there that allows you to access your documents. I will send your…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
Warranty disputes
10 reports · 14% of complaintssteady“AARDY denied my claim for reasons that I quite simply don’t understand”
The company replied on 2026-05-18: “We are sorry to hear about your experience and understand your frustration regarding the cancellation of your trip. AARDY is an insurance agency, not the insurance company itself. We help travelers…”
Our classifier read this reply as a substantive response.
It promised: to escalate.
5 readers marked this review helpful on Trustpilot.
“my claim has remained open for an extended period”
The company replied on 2026-08-04: “Unfortunately, we were unable to locate a customer under your name or the policy number you provided. Is it possible that this review was intended for a different company? While we do not handle…”
Our classifier read this reply as a template response.
1 reader marked this review helpful on Trustpilot.
“There was no place to ID the whole trip. I am not confident I am covered.”
The company replied on 2026-01-21: “Thank you for your feedback. The travel insurance coverage follows you for the duration of your insured trip, regardless of how many destinations you visit, as long as the full trip dates are listed…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
Misleading pricing
6 reports · 8% of complaintsfalling“website did not actually explain this”
The company replied on 2026-05-18: “Thank you for your feedback. We appreciate you pointing this out. The total trip cost should include all prepaid, non-refundable travel expenses, including airfare even if it was booked separately.…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
6 readers marked this review helpful on Trustpilot.
“I used a link for aarp but the advertised “any cancellation” benefits do not show on my contract.”
The company replied on 2026-01-20: “Thank you for sharing your feedback. We’re sorry for the confusion regarding the “cancel for any reason” benefit. This coverage is a time-sensitive option that must be purchased within a specific…”
Our classifier read this reply as a substantive response.
1 reader marked this review helpful on Trustpilot.
“direct conflict of their advertisement of , “cancel for any reason.””
The company replied on 2026-03-13: “We’re sorry to hear about the situation affecting your travel plans and understand how frustrating this must be. To clarify, AARDY is a travel insurance marketplace. We help travelers compare and…”
Our classifier read this reply as a substantive response.
Support unreachable
6 reports · 8% of complaintsfalling“Call scheduled , no call received had to call back for the third time.”
The company replied on 2026-02-25: “Thank you for your feedback concerning you didn’t receive your scheduled call. That’s not the experience we strive to provide. We appreciate you bringing this to our attention and we will address it…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
“I have questions that couldn't be answered before paying for a policy”
The company replied on 2026-02-23: “Thank you for your feedback. We’re sorry to hear that you weren’t able to get all of your questions answered before purchasing your policy. That’s certainly not the experience we want for our…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
“the call went unanswered. I had left a message for the agent to call me. She didn’t.”
The company replied on 2026-02-16: “Thank you for your feedback. We’re sorry to hear your follow-up call went unanswered. That’s not the level of service we strive to provide. We understand how frustrating that must have been,…”
Our classifier read this reply as a template response.
2 readers marked this review helpful on Trustpilot.
Compare AARDY with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-23.