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
Nationwide Mutual Insurance
Essential
BUYER BEWARE!!
We have been purchasing trip insurance through InsureMyTrip and Nationwide for years. On Dec. 16, our flight was canceled meaning we could not reach our cruise destination of San Juan and had to meet the cruise a day later in St. Kitts. I felt sure our trip interruption portion of our policy would cover the cost of missing one day of a very expensive holiday cruise. Wow, was I wrong. When I called Nationwide, I was told unless the airport is completely shut down, the cancellation of a flight is not covered. I was told there was no need to file a claim as no payment would be made. I called InsureMyTrip to speak with someone about this. I was told, "Sorry you're not happy. Have a great day."
Never Ever Again!!!
Read every word of the fine print.
We have been purchasing trip insurance through InsureMyTrip and Nationwide for years. On Dec. 16, our flight was canceled meaning we could not reach our cruise destination of San Juan and had to meet the cruise a day later in St. Kitts. I felt sure our trip interruption portion of our policy would cover the cost of missing one day of a very expensive holiday cruise. Wow, was I wrong. When I called Nationwide, I was told unless the airport is completely shut down, the cancellation of a flight is not covered. I was told there was no need to file a claim as no payment would be made. I called InsureMyTrip to speak with someone about this. I was told, "Sorry you're not happy. Have a great day."
Never Ever Again!!!
Read every word of the fine print.
Judith L. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
AXA Assistance USA
Silver
Really can't give an honest answer on these questions, as I did not file a claim.
Barbara H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Andrew Ostrander
AXA Assistance USA
Thank you for the kind review! We are delighted to know you’re happy with your purchase and had a trouble-free trip but were covered in the event the unexpected occurred. AXA Assistance USA looks forward to providing travel protection for all of your future endeavors!Jan 16,2018
The trip included a
cruise
tour
AIG Travel
Travel Guard Basic
Thank you for the great service. It was a great “PEACE†of mind. Also THANK YOU for NOT sending numerous emails...
Cynthia M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector
I bought what I thought was a fair coverage for what I needed. Calling the customer care number was easy and the rep asked a few questions to make sure I had enough coverage for me. Didn't feel she was trying to push me to buy something more expensive. Just what I needed.
Samuel Q. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Nationwide Mutual Insurance
Prime
We have only purchased travel insurance one other time in our traveling history and we travel many times a year. But I was thankful we did this time because of the hurricane season. And of course, a hurricane disrupted our travel. Very glad for the website that helped me find this company/policy.
Frank D. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector Plus
What a rip-off. Hurricane Maria hit Puerto Rico a week before our scheduled trip. The island was and still is without power. Any logical person knows that the hotels are not going to be functioning and the island isn't in shape to host tourists on honeymoons. While we had a cancel for any reason clause, it makes no logical sense that we were not allowed to recoup our costs without an official letter or email from the hotel or an all out notice of cancellation of our flight from the airline. And these have to come 48 hours prior or we risk not being able to cancel for any reason. What's up with that terrible clause!?! This was already enough to show me that they make it hard as possible to get your money back, but I haven't even touched on the worst part of this. I paid for my flights with CREDIT CARD points through chase online travel portal. However, these aren't airline miles. They have cash value and I had an invoice directly from jet blue showing I paid $x amount of money. Yet, I was told that because it's not on my credit card statement as a cash purchase I only get $250 back. How does that make sense!?! Thieves. That's the only word I have for this and I will never ever recommend this to anyone. Better to save $250 and work directly with the hotels and airlines to get money back. I actually ended up talking to the airline and hotel directly and they were understanding of said situation and gave full refunds. But I shouldn't have had to go through that hassle.
Ryan K. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We are sorry to learn that you were unable to travel and are dissatisfied with this policy. We are pleased that you ultimately received reimbursement from your travel suppliers.
Hurricane Maria was indeed a very destructive and devastating storm. Since the claims administrator is required to adjudicate claims based on the terms and conditions of the policy, you will need supporting documentation to demonstrate your proof of loss. This would be required for a claim with any travel insurance policy.
On this plan, to use Cancel for Any Reason, you must cancel your trip 48 hours or more before your Scheduled Departure Date. This is industry standard to require cancellation to occur 2-3 days prior to your Scheduled Departure Date depending on the plan you choose for the CFAR option.
The trip costs that are insurable on a comprehensive plan are the pre-paid, non-refundable trip costs. The face value of rewards bookings are not insurable, but this policy does cover up to 250USD as shown in the Confirmation of Benefits for any penalty cost of putting the miles or reward points back in the account they were removed from.
If you have any questions or concerns, please call us at 800-487-4722.Oct 19,2017
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
I didn't have to use the plan, but was pleased with cost and coverage should I have needed it.
Jacqueline T. would
recommend this plan to a friend or relative.
GoReady Insurance
Choice Family Plan
Ability to price shop and compare options was very helpful. Having the insurance provided peace of mind. We were a family group of 7, ages 7 to 83, so we like to be prepared for the unexpected.
Monica S. would
recommend this plan to a friend or relative.
AIG Travel
Travel Guard Basic
Luckily, I did not have a need to use it, but had peace of mind. Very easy to fill out form, took two minutes.
Lisa B. would
recommend this plan to a friend or relative.
Generali Global Assistance
Standard
Only suggestion for improvement would be a "Helpful Hints" booklet. When faced with a disruption in travel plans the weary traveler could easily fail to use insurance to best advantage. Example; during our recent trip my family ended up spending all night in the Atlanta airport terminal just because Delta would not or as they contended "could not" provide transportation to hotel and hotel booking. In hindsight it would have been more honest of the airline not tell stranded passengers (lots of them) that there were no hotels rooms available in Atlanta and insurance could have been used to obtain transportation and hotel accommodations for the night, much preferred to the floor and chairs we were forced to spend the night on/in. Hint: don't trust airline customer service, check for your self.
Richard W. would
recommend this plan to a friend or relative.
The Nationwide Essential plan is a "named peril" policy which means that the peril (covered reason) must be specifically listed in the plan or there is no coverage. This particular plan includes the following coverage for 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."
We do have other policies available on our site that have specific cruise benefits, such as Missed Connection. 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.