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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
Choice Cruise
Costco Travel offers better prices and protections, but unfortunately this trip wasn't booked through Costco Travel.
Robert S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Choice Cruise
Be sure you understand the difference between Trip DELAY and Trip INTERRUPTION from the Insurer's point of view. It's a difference of a maximum benefit of your trip cost (Interruption) and a maximum of $150 daily (Delay). I still don't understand it.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.
Kimberly Z. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
The trip included a
cruise
tour
John Hancock
Bronze
Fortunately, we completed the trip and did not need to use the insurance. When we scheduled the river cruise in March 2022, this policy seemed to have the best coverage to meet our needs, and a competitive price.
ROBERT G. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
Travel Insured gets two stars simply based on the fact that they paid the claim as submitted. However, they lost three stars for multiple reasons. First, I'm very unimpressed with the ability to file a claim online as I kept getting a loop that wouldn't allow submission of the claim. Second, the lack of communication. The only emails I received were the original email sending me the paperwork to complete, three automated "we're sorry for the delay, thank you for your patience" emails and one automated "we've received your email" message. This email was for the second submission sent where I was sending additional information. I never received an acknowledgement for the original submission of the claim and had to call to confirm receipt. Third, I had to call numerous times to get updates. When I began to state that I felt the claim was taking too long, most of the agents I spoke to were polite and professional. One became defensive argumentative despite my statement that I didn't blame her personally and was commenting to put my complaint on record. In the end it took FOUR months and numerous calls to get my claim paid. Finally, when the adjuster called to let me know they were paying my claim, there was no apology for the extreme delay. This would have added a star to my review.
When I filed a claim with another insurer right after Hurricane Harvey hit, it only took two months. COVID has been going on for two years. They should be farther along than this in catching up to handling claims.
When I filed a claim with another insurer right after Hurricane Harvey hit, it only took two months. COVID has been going on for two years. They should be farther along than this in catching up to handling claims.
Jacqueline B. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
WorldTrips
Atlas Journey Economy
Luckily we did not use the insurance, but it was peace of mind having it in the COVID environment we live in.
valerie c. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Standard
Peace of mind makes a vacation much more enjoyable, and trip insurance is a small price to pay for protecting a multi-thousand dollar trip. We didn't need to make a claim this time, but for another trip we did. Generali Global Assistance gives great coverage at a good price.
Joan M. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Prime
Although we thankfully didn’t have to file a claim, the peace of mind was worth every penny. The customer service rep was great at explaining the coverage. Will use this service again!
Patricia R. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Preferred
Didn't need to use but comforting to have.
Ronald B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
We were very disappointed in Nationwide Insurance and this product. Our Summer 2020 European trip was cancelled in April 2020 due to the global pandemic. We contacted Nationwide immediately and they recommended that we pursue reimbursement from the travel providers then file a claim for any unrecoverable funds. We trusted that they were guiding us properly and followed their advice. We did indeed have unrecoverable funds and filed for reimbursement immediately after our last refund in Dec 2020. Nationwide denied our claim stating that the global pandemic was not a covered peril. Why was my policy not cancelled and my premium refunded when my trip was cancelled? Why did the Nationwide representative lead me on to believe that we were covered when I contacted them in April? If a global pandemic with travel shutdown all over the world is not covered, why buy insurance? At this point, I would not recommend using Nationwide and I'm not sure about purchasing travel insurance anymore. It looks like there is a very narrow window for reimbursement and obviously the insurer's intent is to deny most of the claims. My experience has been that the travel providers have been focused on taking care of their customers and the insurance company is finding ways to say no. Why buy insurance?
Charles S. would not
recommend this plan to a friend or relative.
9 of
12 people found this review helpful
The trip included a
cruise
Generali Global Assistance
Preferred
No way to say this plan was good or not since -thankfully - I didn't need to make a claim or use it.
Bernard F. would
recommend this plan to a friend or relative.
We are sorry to hear that you were unable to travel. Upon learning that your claim was deemed unpayable, we reached out to you about Nationwide making an exception to cancel the policy for a refund of premium or transferring this policy to a future trip. Nationwide requires additional information from you in order to determine if you meet the guidelines for a successful exception. Please call us at 800-487-4722 or email us at [email protected] for further information.