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
tour
Generali Global Assistance
Preferred
It’s hard to rate travel insure when there was no need to file a claim. My only ratings can be based on cost and coverage comparisons with other companies offerings.
Guy R. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Felt reassured to have the coverage.
Louise M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
International Medical Group
iTravelInsured LX
Terrible customer service! It took over 4 months to get paid on a claim and literally 50+ hours of follow up calls with the company. Hold times were hours long and I received conflicting information. They seemed to do their best NOT to pay me for covered events in my contract - possibly hoping that I would give up. I had to escalate to the CEO in order to get any action. (I also requested help from Insure My Trip and that customer service was great). Be sure to read the contract before buying from this company. There are other companies on this site who might be a better fit. I can't recommend IMG and will never buy from them again.
Nancy G. would not
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Excellent Customer Service support!
JORGE L. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
Travelex
Travel Select
After waiting 10 weeks for a response.....our claim was denied. Apparently terminating the trip early due to a worldwide pandemic and borders closing down was not a good reason. Warren Buffet should be ashamed of himself!!! No matter how I justified our claim the rep said a pandemic is not included in any of their policies.
I'll be sure to find insurance elsewhere for our next vacation.
I'll be sure to find insurance elsewhere for our next vacation.
Forrest W. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Zac
Thank you for your feedback. The insurance provider has issued the following response:
"Thank you for expressing your concerns on InsureMyTrip.com.
Please note that Travelex Insurance Services, Inc. is the marketer of the travel insurance plans and does not make any claim determinations. Berkshire Hathaway Specialty Insurance Company (“BHSIC”) is the underwriter and the Claim Administrator for all claim or appeal related inquires.
In the policy details, which were sent to you on August 31, 2019 when the policy was purchased, it explains all the eligible reasons for trip cancellation, including the terms, limitations, and exclusions. Which includes the General Exclusion “(d) any government regulation or prohibition”.
Having said the above, we do empathize and recognize that coronavirus has created a difficult situation for travelers.
We recommend talking to your Traveler Suppliers about transferring any monies paid to a new trip. Additionally, it may be possible to obtain a Date Transfer on your policy, which allows you to apply the plan to another trip, in the future. If you would like to apply a One-Time Date Transfer to your policy, please contact us at [email protected], so we can help process the cancellation of your claim and apply a One-Time Date Transfer to your policy.
It is important to remember that insurance is highly regulated. Claims need to be processed according to the policy details and based on the documentation submitted to the Claim Administrator.
If you believe all or any part of your claim was wrongfully rejected or denied, you have the right to have your claim re-reviewed by BHSIC, if you are able to submit additional documentation. To submit new documentation or for claim questions, please contact BHSIC at 1-855-205-6054 or by email at [email protected], Monday – Friday, 7:00 am – 7:00 pm CST.
Kind Regards,
Travelex Insurance Services, Inc.
[email protected]"Jul 13,2020
The trip included a
cruise
tour
Nationwide Mutual Insurance
Prime
Purchased a plan on 3/5/2020 for a dream trip to Norway. We put together an itinerary including Flights to UK, cruise to Norway from Southhampton and then Cruise to New York on Queen Mary 2. Today was the date on which we had to make the final payment on the cruises. Since the cruise was not until August We thought we might be able to rely on the travel insurance in case one of the cruise lines or the airline cancelled part of the trip. Just to be sure, I called Nationwide customer service to make sure we would be covered. Imagine my surprise to find out that if any of the cancellations were due to coronavirus it would not be covered because it was not a listed peril on the policy. The customer service representative explained that unless the reason for trip cancellation or delay was due to a listed peril in the policy then it was not covered.
An example: The policy states "The company will reimburse you if your miss your connection due to inclement weather" they will reimburse you for expenses and pre-paid nonrefundable trip payments fr the unused portion of your trip. However if the flight is cancelled due to mechanical problems you are up the creek, because that is not a listed peril.
So this is not really insurance, it is a guessing game to see if your crystal ball works well enough to figure out what could possibly go wrong months in advance of your trip and then find a policy from some company that covers all of the stuff you came up with. Good luck with that.
Basically unless you are injured or fall ill or heaven forbid die, due to an unforeseen incident and not related to any of the page full of exclusions, you are covered. If your flight is delayed or canceled due to weather you are covered. Anything else - tough luck.
So it looks like we will get a cruise credit for the cruise portion of the trip and the airlines are also offering free changes for most flights. Nationwide has "voucher program" which MAY offer partial credit to transfer some or all of the cost of your unused travel policy to a future trip. I must say I'm not expecting much after speaking to their "customer service" people.
I'm sure glad automobile and life insurance is better than travel insurance. I think it should be called something else.
An example: The policy states "The company will reimburse you if your miss your connection due to inclement weather" they will reimburse you for expenses and pre-paid nonrefundable trip payments fr the unused portion of your trip. However if the flight is cancelled due to mechanical problems you are up the creek, because that is not a listed peril.
So this is not really insurance, it is a guessing game to see if your crystal ball works well enough to figure out what could possibly go wrong months in advance of your trip and then find a policy from some company that covers all of the stuff you came up with. Good luck with that.
Basically unless you are injured or fall ill or heaven forbid die, due to an unforeseen incident and not related to any of the page full of exclusions, you are covered. If your flight is delayed or canceled due to weather you are covered. Anything else - tough luck.
So it looks like we will get a cruise credit for the cruise portion of the trip and the airlines are also offering free changes for most flights. Nationwide has "voucher program" which MAY offer partial credit to transfer some or all of the cost of your unused travel policy to a future trip. I must say I'm not expecting much after speaking to their "customer service" people.
I'm sure glad automobile and life insurance is better than travel insurance. I think it should be called something else.
Don E. would not
recommend this plan to a friend or relative.
5 of
6 people found this review helpful
The trip included a
cruise
tour
AIG Travel
Travel Guard MedEvac Plan
This trip I did not need to use the plan, but I wanted it in case I did.
Sylvia M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AIG Travel
Travel Guard Basic
Since I didn’t need to file a claim, I have no idea how good or bad the company is.
Elaine A. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Choice Cruise
Luckily all went well and I didn't need to make a claim, but I was glad to find this option that covered cruise-specific problems such as missed ports in addition to normal travel insurance inclusions.
Sarah J. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Preferred
I did not have to use this coverage so can not comment on how good or bad it was. I guess this is a good thing.
I wish there was some type of coverage for people who travel several times a year that is more reasonable. A yearly policy? If there is such coverage please let me know.
Thank you
I wish there was some type of coverage for people who travel several times a year that is more reasonable. A yearly policy? If there is such coverage please let me know.
Thank you
Darlene S. would
recommend this plan to a friend or relative.
-
Carol
Thank you for your comments. InsureMyTrip does not offer annual Comprehensive plans which would include Trip Cancellation and Trip Interruption. We only offer the single trip Comprehensive plans such as the Generali Global Assistance Preferred plan. However, we do offer multi-trip Travel Medical and Emergency Medical Evacuation plans that are annual policies providing international coverage for multiple trips during that year.
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.Jul 23,2019
Thank you for letting us know about your claim experience. We are very sorry for the delays and multiple communications. Prior to the pandemic, claims were typically processed within 30 days provided that all necessary documentation was sent in. Due to the overwhelming volume of trip cancellations and other claims during the pandemic, the normal processing time for claims has been around 3-4 months over the past year or so with most providers. That time can also be longer if they are waiting for further documentation from you. Things have started to get back to a more manageable volume so we're hopeful claims will get back to a reasonable timeframe.