Travel Insurance Reviews Travel Insurance Reviews Plans
To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.
How We Count Reviews: Our online review database contains over 100k reviews and ratings collected directly from customers via our site and third-party platforms. All reviews have been verified as honest ratings from real travelers like you.
InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.
The trip included a
cruise
Nationwide Mutual Insurance
Essential
It's great knowing you are covered in any event, and it will cost you less and cover you more than what the cruise company offers. A win-win in my opinion.
Donald D. would
recommend this plan to a friend or relative.
The trip included a
cruise
Trawick International
Safe Travels Voyager
Fortunately, we did not have to seek medical care while traveling on our most recent journey, so no claims were filed, but we found it reassuring to know that we had medical coverage that would help with any medical expenses we might have incurred. We had to change the dates and destinations of coverage more than once leading up to our travels, and InsureMyTrip representative assisted in the process, and in seeking and making the necessary modifications from Trawick International. The InsureMyTrip also found ways in which to reduce the overall cost of the coverage we needed.
Gerald K. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Luxury Cruise
We LOVE Nationwide's cruise insurance plans. On this trip, we had a medical claim and an itinerary change claim for a missed port. Both were handled promptly and paid in full.
Anna M. would
recommend this plan to a friend or relative.
4 of
6 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Had to cancel trip for medical reasons after final payment and claim was processed promptly. Highly recommend this for future cruises.
Leroy P. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
We experience multiple flight delays, lost baggage and even missed our cruise embarkation.
The online process is very cumbersome and they ask for ridiculous information "like a copy of your homeowners" policy when "trying" to fill out a claim. The process is very difficult and there are tons of information outside of the basic information you'd assume they'd require for a claim. Unless you fill and download the entire form, it will not even let you submit any of it. I called and emailed Generali's customer service several times with no help. In fact, I was pretty much told my claim would probably be denied without even submitting it. Even though, we missed our ship and had to fly into a different port than embarkation with no luggage to catch the ship the second day. I really feel they make the process so difficult on purpose and offer little help or concern if you call a representative. I basically just gave up! even though I had much proof of the delays, lost luggage, car rental to port and missing the embarkation. Waste of money!!!
The online process is very cumbersome and they ask for ridiculous information "like a copy of your homeowners" policy when "trying" to fill out a claim. The process is very difficult and there are tons of information outside of the basic information you'd assume they'd require for a claim. Unless you fill and download the entire form, it will not even let you submit any of it. I called and emailed Generali's customer service several times with no help. In fact, I was pretty much told my claim would probably be denied without even submitting it. Even though, we missed our ship and had to fly into a different port than embarkation with no luggage to catch the ship the second day. I really feel they make the process so difficult on purpose and offer little help or concern if you call a representative. I basically just gave up! even though I had much proof of the delays, lost luggage, car rental to port and missing the embarkation. Waste of money!!!
Sherry H. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
The trip included a
cruise
Travelex
Travel Select
Very happy things worked out so we did not have to use the plan.
Joseph K. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Standard
Fortunately, for as many times as we have insured our trips, we have not had to file a claim, thank goodness.
Am I satisfied with this plan? Yes, for items covered but I do not know how simple filing a claim would be.
Am I satisfied with this plan? Yes, for items covered but I do not know how simple filing a claim would be.
MARY C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
We had no claims, so all is good!
William F. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
I already have a plan that covers medical/emergency evacuation costs. I just want to cover the investment in my travel costs, such as airline tickets, cruise costs, etc. Your company required me to include medical/evacuation costs in your coverage. Duplicate cost for me.
Christine O. would
recommend this plan to a friend or relative.
-
Carol
Unfortunately, none of the insurance providers featured on our website offer Trip Cancellation only plans. However, we do offer plans from the leading providers of travel insurance, which allowed you to quote, compare and select the Generali Standard plan as a competitive choice for your trip.
Please also note that Trip Cancellation reimburses you for your prepaid non-refundable travel expenses if you must cancel your trip for a covered peril which varies from plan to plan. Generali's Standard plan offers a lengthy list of covered perils for Trip Cancellation and Trip Interruption, which protects the investment you have made in the trip, and also provides reimbursement for incidents which could occur after departure, such as lost and/or delayed luggage, travel delay, and emergency hospitalization and medical transportation up to the policy limits.
In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.Jun 18,2019
The trip included a
cruise
Nationwide Mutual Insurance
Universal Cruise
Due to bathrooms failure on the plane we were taking to Copenhagen we had to turn around and return to IAD after a couple of hours flying. Because of this we had to cancel our non refundable hotel stay but we purchased travel insurance so we thought not a problem. The rep from Nationwide was very nice but told us we had no claim, so we’re not happy customers.
John W. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Carol
Thank you for your review.
We are very sorry to hear that your claim with Nationwide Mutual was denied under Trip Interruption which is the benefit that offers travelers reimbursement of their pre-paid, non-refundable expenses should they unexpectedly need to cut their travel short. However, reimbursement for your prepaid hotel expenses must be based on a covered reason as listed in your policy or your claim will be denied. Since bathroom failure on the plane did not fit into any of the listed events, your Trip Interruption claim was denied.
You were also not covered under Trip Delay because it would only reimburse you for (a) Any reasonable additional expenses incurred; or (b) A one-way Economy Fare to return You to Your originally scheduled return destination, but not for pre-paid non-refundable travel expenses.
Although we understand your disappointment, the Nationwide Universal Cruise plan is still a comprehensive travel insurance policy which provides a wide range of benefits. Regrettably none of our plans will cover every situation.
We certainly hope that you continue to consider a Nationwide plan for future trips. InsureMyTrip is open 7 days a week, 365 days a year, to speak with our customer care representatives who are able to recommend the most cost effective plans to cover your primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.Jun 28,2019-
JoanneW
Hi Carol- thanks for your your reply. Since our flight was cancelled because of mechanical problems and we missed a day of our trip which caused us to forfeit our prepaid hotel, why does this not qualify?Jun 29,2019
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Carol
In order to be reimbursed under Trip Interruption for your prepaid hotel expenses, mechanical breakdown must be listed as a covered reason.
Here are the covered reason as listed in your policy:
"TRIP INTERRUPTION
The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are unable to continue on Your Covered Trip due to:
(a) Sickness, Accidental Injury or death of You, Traveling Companion or Family Member...:
(b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault during the trip; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence during the trip;
(c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure;
(d) You or a Traveling Companion have a transfer of employment of two hundred fifty (250) miles or more;
(e) A Terrorist Incident that occurs in a city listed on Your Trip itinerary during the Trip...;
(f) The Insured, Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war;
(g) Bankruptcy and/or Default of the Insured’s Travel Supplier which occurs more than fourteen (14) days following the Insured’s Effective Date...;
(h) An Insured is terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated through no fault of Your own;
(i) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable;
(j) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours;
(k) Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours and prevents the Insured from reaching his or her destination;
(l) You or a Traveling Companion being required to work during the Trip...;
Unfortunately, mechanical breakdown is not a covered reason so your claim was denied.Jul 02,2019-
JoanneW
Thanks for the info, Carol. Is this standard for all policies, including cruise policies or could we have purchased one that did not exclude mechanical failures.Jul 02,2019
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Carol
Unfortunately, there really is no standardization of coverage especially with reference to mechanical breakdown. It would be best for you to call us for assistance when quoting and purchasing a policy.Jul 05,2019-
JoanneW
Thanks so much for taking the time to get back to me. I hope that people like me won’t assume coverage when there is none. As a p and c person for 30 years for a RI company I should probably know better but when you purchase a package called ‘cruise’, is it unreasonable to assume that it is comprehensive? I guess research is in order.Jul 08,2019
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Generali is sorry to hear about the circumstances surrounding your experience, and for not meeting your expectations. The Generali Global Assistance goal is to provide a prompt and courteous claim experience to all their customers. Letting them know how they are doing is the best way to ensure the best possible service.
If there is something specific that you want to be sure is covered, feel free to ask about it before, during or after you purchase the policy. Their Free Look Period allows you to get a refund for your plan within 10 days from the time of purchase in most states. Please contact (800) 348-9505 or [email protected] if you have additional questions.