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
Nationwide Mutual Insurance
Essential
Thankfully we didn't have to use it, but I feel comfortable knowing it was there.
Ann C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
HORRIBLE EXPERIENCE! Our dealings with CSA were handled professionally and courteously until we filed a claim, which was a nightmare. I took the comprehensive policy which included benefits for covered illnesses, including family member illnesses. There was trip cancellation coverage if a covered illness claim was made prior to my departure from home, and trip interruption coverage for covered illnesses after my departure from home. My husband was diagnosed with a urinary tract infection prior to my departure from home. His symptoms worsened after my departure, requiring that he visit an emergency room. At that visit, he was diagnosed with bladder cancer, had emergency cancer surgery, and was hospitalized. I was in Miami, ready to depart on a cruise the next day, so I had to cancel the cruise and return home. I filed a trip interruption claim with CSA, and was shocked when it was denied. They cited a clause in the coverage, "The Sickness or Injury must first commence while your coverage is in effect under the Policy". They denied coverage due to my husband's diagnosis for a urinary tract infection prior to my departure, stating that it was when the bladder cancer treatment commenced. I offered to have my Urologist clarify his medical statement to indicate that there was no cancer testing, diagnosis, or treatment until after my departure from home, but they refused. Even though I had not yet departed on the cruise, it was not covered under the trip cancellation benefit because I had already departed from home. I told them that they were trying to avoid paying the claim based on a fine print technicality in the contract that was unreasonable. The claims representative very rudely said that I should have read the contract before I signed it. I asked that he take it to his supervisor, who also denied the claim. I appealed in twice and was denied. I then requested that InsureMyTrip.com assign an advocate to the case. CSA refused to cooperate with the advocate, citing privacy of medical information. They did not offer to have us sign a medical release to allow the advocate to talk to them. My husband then sent his own release for them to talk to the advocate, along with our third appeal and an updated medical statement from his Urologist. After going through 3 claims adjusters, CSA finally backed down and paid the claim without talking to our assigned advocate. We were very upset at how unprofessional CSA was in handling our claim. They have lost us as a customer, and we recommend that others look elsewhere for their trip insurance needs. InsureMyTrip was excellent... our problem was with CSA. I have been in Customer Service Management for 36 years, and was shocked at the poor level of customer service provided by CSA. My travel companion bought her policy from another company on InsureMyTrip.com, and had her claim paid promptly with no hassle whatsoever.
Kay L. would not
recommend this plan to a friend or relative.
-
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Deborah
Generali Global Assistance
Thank you for your feedback. We’re very sorry to hear about the circumstances surrounding your claim. We take reviewing and responding to claims very seriously and strive to provide prompt, fair and professional claims processing for all of our customers. The physician statement initially provided with your claim indicated the cancer was diagnosed prior to your trip departure and this resulted in your claim’s initial denial. After ordering medical records, we were able to see this was not the case. We did receive an email from your husband informing us that he was authorizing us to speak with your IMT advocate. Unfortunately we were unable to do so without a signed HIPPA form. We again apologize for your negative experience. If you have any additional questions or concerns please feel free to call us at (800) 348-9505 or via email at [email protected].Sep 20,2016
The trip included a
cruise
tour
Seven Corners
Roundtrip
It is a great product at a reasonabe cost if you need piece of mind. Lots can happen between the time you book a trip and the actual trip. I had to be concerned about hurricane season because you never know... and there is so much money on the line. I'm a fan.
Robert M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Luckily, we didn't need to claim, so there's very little to say. The insurance served its purpose and, with all the Hurricane Sandy stories just before we left, we were glad to have that peace of mind. Cost was half of what the cruise line wanted to charge and included more.
Anthony K. would
recommend this plan to a friend or relative.
Show
reviews per page.
We do not know the details of your claim since access to the medical records was restricted by HIPAA laws. However, it does appear that what you considered a "worsening of his condition" was originally determined to be ongoing treatment for a condition diagnosed prior to departure. Although the condition was first diagnosed as a urinary tract infection, if that same condition later caused you to interrupt your trip to return home early, there would have been no coverage. Fortunately you were able to provide CSA with additional medical documentation to enable them to pay your claim.
We will share your feedback with your fellow travelers hoping that your unfortunate experience will provide a better understanding of policy terms and conditions. We also invite you to call us for further discussion.