Travel Insurance Reviews Comprehensive Plans
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.
To learn more, read our Comprehensive Plans article.
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
Thankful use of plan was not necessary. Purchase for worst case & peace of mind. Plan covered all of my potential or problematic concerns. Purchase was easy and would use company again.
Christine T. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Nationwide Mutual Insurance
Essential
This was not worth purchasing and was absolutely more stress than help. Our trip was delayed two weeks because we tested positive for COVID. I thought at least we have trip insurance to help us with the cost of changing the trip. Unfortunately, we tested positive for COVID about 36 hours before traveling, and we were informed that we needed to have a doctor appt before our departure time in order to receive any coverage. Not to mention the plan administrators told me it was fine to go on the trip anyways because my destination did not have COVID testing restrictions. You are not supposed to go into see a doctor for COVID unless you have symptoms requiring emergency treatment. Luckily I convinced a doctor to meet with me virtually that day just to write a note for my travel insurance. Hopefully this would have worked but it turned out I couldn't file a claim anyways.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
After this, we were informed that in order to have coverage on our new trip dates, we would not be able to file any claims for reimbursement of the costs of changing the trip.
In addition, when looking at the policy later, any change fees for flights are covered at a very low amount (not even close to the policy coverage amount for cancellation).
All in all, we did not use the policy and could have used the money from the policy for our flight change fees, which would be much less stressful and cheaper. I recommend getting flights and hotels that can change somewhat easily instead of getting this policy.
Kirsten M. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
Generali Global Assistance
Standard
It's hard to rate an insuror when you haven't filed a claim, so I'll based my review on the satisfaction I received from knowing insurance was in place. My husband and I argued over this expense--he thought we didn't need it--but being in our mid-70s, it seemed to me that insurance was a wise decision. A friend's family member (92) very recently broke her hip on a cruise to Mexico, and did not have insurance. She had to be airlifted at a cost of $40,000 to Stanford Medical Center. That caught my attention!
Harriet H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
I had baggage delayed 5 days. A very simple claim for $30 for some essentials I had to buy. I had receipts and any other info required. I did get reimbursed by Nationwide, but it took more than two months. This claim was so obvious and simple it should have been handled in a matter of days. I actually got a quicker response from Malaysia Airlines, and they are half way around the world.
Kenneth W. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Carol
Although we are sorry to hear that it took 2 months to process your claim, we are pleased to hear that you have now been reimbursed.Oct 04,2018
The trip included a
tour
Generali Global Assistance
Preferred
Fortunately I did not need to put in a claim, so I can't address that aspect of the plan at all. I chose it because it had the best coverage for the price on the features that were most important to me (medical coverage, and emergency evacuation coverage).
Jeanne P. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard Basic
Fortunately I did not need to file a claim so it's not really possible to review the service
patricia d. would
recommend this plan to a friend or relative.
The trip included a
tour
TripAssure
Advantage Complete
The policies were available for review on line. My questions were answered by a rep, accessible by a toll free number. I have purchased “insure my trip†policies over the years. I have not had occasion to use any policy so I can not comment on how a claim would be handled.
Daniel R. would
recommend this plan to a friend or relative.
Generali Global Assistance
Standard
Great protection plan for a very competitive cost.
Robert W. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
My plane was delayed & I missed a connection. I did not arrive at my destination until the next day. I missed a whole day of my trip, They refused to pay for my missed hotel stay, my missed tour, & my missed arranged transportation from the airport to the hotel. Claim was for $249. They refused to pay. I have had 25-30 international trips since 2009 & I always get travel insurance. This is my first claim. I will never use Nationwide Mutual Insurance Co. again. They are unethical & dishonest.
Robert H. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Mike
Thank you very much for taking the time to submit your review. We understand that it is never pleasant to receive a denial for reimbursement under Trip Interruption coverage. However, your trip must be interrupted due to one of the specifically stated reasons listed in the policy.
This policy covers the following under Trip Interruption:
'Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours and prevents You from reaching Your destination."
In the future, please consider calling us prior to purchase to discuss your particular concerns and what is covered. We strongly recommend customers read the terms and conditions of the policy within the review period to determine if the policy fits your needs. If the policy does not fit your needs, it can be cancelled within the review period for a refund of premium. We do have options that offer more flexibility with weather delays. Please call us at 800-487-4722 if you have any questions or concerns.May 10,2018
The trip included a
tour
TravelSafe
Classic
This was one of the rare occasions I have had to file a claim with travel insurance, and my experience was time consuming, frustrating, ultimately dissatisfying, and just plain awful. The dispute centered on a provision buried deep within the the policy language that required a contemporaneous written report of the incident in order to receive compensation. While I will not go into the details, in my case damage to a camera and lens occurred while staying in a rustic backpackers' lodge in a remote region of Borneo, where such formalities would be absurd. I did, however, make the management of the lodge aware of the incident verbally, and I also confirmed my account with them by e-mail after returning to the U.S. This documentation was provided to the insurer, but rejected as insufficient evidence that the damage occurred during the coverage period. In truth, the amount I was seeking -- $290 for repair of the camera and lens -- was not much more than the cost of the policy premium. I found the attitude of TravelSafe (and their claims agent TripMate) to be doctrinaire, inflexible and, frankly, sleazy. I had used TravelSafe on two previous occasions, but I will never use this company, or their underwriter, United States Fire Insurance Company, again.
Robert P. would not
recommend this plan to a friend or relative.
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Mike
Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that your property was damaged during your trip and are dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. With any travel insurance policy you would be required to have written documentation at the time of loss for damage to, or theft of your personal property. This will substantiate your claim and demonstrate that the event occurred while you were traveling. The following information can be found in the certificate of this policy:
"Additional Claims Provisions Specific to Baggage: Your duties after loss of or damage to property or delay of baggage:
In case of loss, theft, damage or delay of baggage or personal effects, You must:
a) take all reasonable steps to protect, save or recover the property;
b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of
Your property at the time of loss;
c) produce records needed to verify the claim and its amount and permit copies to be made;
d) provide to the Company, within 90 days from the date of loss, a detailed proof of loss signed and sworn to; and
e) be examined, if requested."
In the future, please consider calling us prior to purchasing a plan so that we can assist you in reviewing any specific concerns that you may have when you are selecting a travel insurance policy. Our toll free telephone number is 800-487-4722. We look forward to assisting you.Jan 29,2018-
RobertP
Thanks, Melissa. Believe me, I am now quite familiar with the provisions of the policy you have quoted, the reasons for them, as well as the reasons why my claim was denied.
Please allow me to point out, however, that the phrasing of part (b) is unclear and open to interpretation.
The clause requires that written notification be made to any one of a list of entities -- police, hotel, etc. -- "or any Common Carrier or bailee who has custody of your property at the time of loss." Does the qualifier, "who has custody of your property at the time of loss" apply only to Common Carriers and bailees? Or to the entire enumerated list? Bailees, by definition, have custody of your proprerty. That's what makes them bailees. Common Carriers have custody not only of your property, but also of your person for the duration of their carriage. So, qualifying only these two types of entities is superfluous. That would seem to imply that the qualifying phrase, "have custody of your property" applies to the entire list, not only Common Carriers and bailees.
In my case, the hotel did not have custody of or control over my property at the time the damage occurred. It was in my hands and in my control. Therefore, the requirement of wriiten notification has been misapplied in this case, and insurance should've paid.
I brought up this point with TripMate, but they didn't buy it. For my part, I paid $290 for repair of the camera and lens, with which I was very pleased -- Photo Tech on West 36th Street in Manhattan. I recommend them highly. I've moved on with life.Jan 29,2018
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