Comprehensive plans offer the most benefits, including Trip Cancellation and Trip Interruption. These plans provide the best protection for the investment you have made in your trip.
We had planned to take a river cruise that was cancelled a month before our departure. Apparently, the company shut down all operations and eventually filed for bankruptcy. I filed a claim as soon as I discovered what was going on. Fortunately, I had previously printed copies of all correspondence from the company, including copies of their website confirming my cruise details and payment record. Before the bankruptcy was announced, the website was shut down and none of that was accessible. All of this, and more was required to be submitted to substantiate my claim - some of it was requested more than once. In the end, I had to wait many months until the bankruptcy case reached a point where it was obvious that customers were not going to get anything back before a determination of my claim was made, but they did pay my claim in full. As a caution, people who bought trip insurance through the cruise company - even though they claimed it was underwritten by the same US Fire and Insurance company - got nothing because their insurance was worthless once the company went bankrupt.
Wayne N. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
We filed a claim due to a foot injury prior to our trip. We were asking for reimbursement for a cancelled international flight, a few train tickets and one prepaid historic site admission. We filed all requested paperwork promptly. We did finally get reimbursed, but it took 12 weeks for flight reimbursement and required us to follow-up with multiple phone calls to keep the process moving. Poor job on their end for keeping us informed and following through on estimated dates.
There was this weird thing where they kept calling my doctor, wanting to know if we took the first available appointment, making us feel like we were being scrutinized for making some kind of fraudulent claim. Why? Doctors don't have this information. We were upset enough about not being able to go on the trip in the first place!
At the end of the day we did get reimbursed properly, but it took what seemed like a long time and a lot of effort for what seemed like a pretty simple claim. I'm hesitant to recommend them, thought they did pay out the claim in the end.
April S. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
The insurance product was fairly comprehensive and I was reassured having it. It was not cheap, but not prohibitive either. I will really never know anything about service until I have to submit a claim, which has never happened to date, thank goodness.
Arthur F. would
recommend this plan to a friend or relative.
The is/was extremely confusing. Had a near death medical emergency yet trip interruption qualifications weren't met. How? I'm still confused. Not worth the hassle. Not worth the headache. Despite requesting clarity, Still not clear on what clear on what should have been done to utilize the policy.
Kimberly H. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
I put in for clothing while I waited for my luggage to show up and then I had to go back to the airport to get my luggage when it finally showed up. They couldn’t deliver it for 3-4 more days at which time I would be on a boat. They didn’t reimburse me for those costs and they did not reimburse me for all the close costs either.
Janet S. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.