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.
My husband was diagnosed with cancer several weeks before our trip and his treatments required us to cancel. Though we had to gather and send several documents, the claim process was fairly straightforward on line. When I had questions, responses were prompt and clear. Our trip costs were refunded fully. This was the first time I'd ever purchased trip insurance and I'm very glad I did.
Laura M. 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.
Claim was processed successfully but very slowly (3 months from filing to check). Cancellation resulted from traveling family member's unexpected surgery. Claim form (from claims processor in Florida subcontracted by Nationwide) asked for rights to access her complete medical records over an extended period. Instead, she provided a formal letter from her surgeon. Since the amount claimed was little more than $100 over the cost of the policy premium, she/I felt this demand to access huge amounts of confidential health information was way out of line. Buyer beware; in processing claims, claim processors may automatically ask for intrusive access to someone else's health records. If you (or they) are not willing to provide this, try pushing back but realize that you may ultimately be forced to either forego your claim or reveal medical information belonging to whichever party "caused" the claim. These days privacy has a real value and claims processors should adapt by asking only for what can be reasonably required to fairly process the claim in front of them. In this instance, Nationwide's claims processor acted reasonably; they did not press for anything more than the surgeon's letter and did not reject the claim automatically because I didn't sign anything granting them permission to go where they didn't need to go.
Adrian H. would
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.
We are very pleased to hear that you were able to work with your Nationwide claims representative to your satisfaction.
Please also keep in mind that the caring, licensed travel insurance representatives at InsureMyTrip are open and honest with every traveler, because our non-commissioned representatives work to find the best plan for you. Our Anytime Advocates® will support you with the process if you feel a claim has been unfairly denied.
Purchased pre-existing coverage which I choose on all trips. FYI: ALWAYS read the policy in full. I had to cancel due to anxiety & filed a claim. I received a call and found out my claim was denied. Anxiety is considered a mental problem and is not covered unless you are hospitalized. I was not hospitalized, so no coverage for my claim. Almost 9K out of pocket.
Peggy 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.
Thank you for your feedback on your policy. We are sorry to learn that you had to cancel your trip. The C&F Travel Insured International Worldwide Trip Protector plan does not cover claims related to: a mental or nervous condition, unless hospitalized for that condition while the Policy is in effect for You. This exclusion is a standard exclusion in most, if not all travel insurance plans. 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. Please call us at 800-487-4722 if you have any questions or concerns.
We have also forwarded this to the insurance provider and they have responded with the following:
"We sincerely apologize for any frustrations you may have experienced. Please reach out to us at 1-800-243-3174 and we would be happy to clarify any questions you may have regarding your claim, and our policy language. Thank you for your patience. "
C&F Travel Insured InternationalWorldwide Trip Protector Plus
Had to file few claims: 1) travel cancellation (one person got sick during the trip and couldn't make prepaid tours). It was a little hassle to get proper documentation from the doctor but at the end, we received compensation from CF. 2) Lost baggage (an expensive item was lost during travel). This claim was processed fast without too much back and forth hassle. Overall, price of the policy is decent and I am glad we had it since, unfortunately, we had to use it this time.
I recommend CF and will be using it in the future
Svetlana R. would
recommend this plan to a friend or relative.
we had to file a claim for baggage delay and baggage damage (loss). after few initial back and forth - and waiting 20 days after sending final documents they requested, we did receive a refund minus refund received from the airline. the reason i put 4 stars is that there is no way to check claim status/details online - you have to call them. Also claim submission is done via email.
I think reviewing insurance plans only matters from those who had to file the claim, this is when insurance plan is truly tested for its "goodness".
Janna G. 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.