Travel Insurance Reviews Crum & Forster - Travel Insured International
Founded in 1994 and based in Connecticut, Crum & Forster - Travel Insured International focuses exclusively on travel insurance and provides the most useful types of coverage and the most specialized level of service. Crum & Forster - Travel Insured International is committed to providing dependable coverage, great value, and end-to-end satisfaction.
Learn more about Crum & Forster - Travel Insured International.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
All plans are too expensive and complicated. You buy a plan which list coverage that you need and when you review your final plan it list many reasons why you will not be covered under certain conditions.
Roger P. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
It was easy to purchase - I would know more if and when I filed a claim.
Diana S. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
We did not have to use the plan, but it covered what we were looking for at a reasonable price
Richard P. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
I have been purchasing travel insurance for all of my vacations on a regular basis and was interested to see what would happen when our return flight was cancelled by the airline due to weather, presenting the opportunity to file a claim. In a short conversation with a Travel Insured representative, I was curtly informed that a "Missed Connection," was not what I assumed it to be, and my claim was not covered by the policy.
According to my travel insurance summary, benefits would be payable for a "Missed Connection" due to a delay of three hours or more. We were able to get on another flight but due to the flight cancellation we were delayed at the airport for four hours; we didn't arrive at our home airport until after midnight and incurred extra expenses for our transportation back home from the airport (a relative was going to drive us home but couldn't do it at that hour). I was hoping to file a claim for the unexpected transportation expenses to get home from the airport.
However, when I called Travel Insured I was told to read page 14 of my travel insurance policy document, where it states that a "Missed Connection," is only applicable at the beginning of a trip, and only if you miss your cruise or tour. So missing our ride home from the airport was not covered. I had actually tried to call Travel Insured when our flight was cancelled to get clarification of how the policy applied to our situation, but the office was closed. I then called the 24 hour travel assistance line that is offered in conjunction with this policy; the representative I spoke with cautioned that she did not work for Travel Insured and could not interpret the policy, but she also assumed that the "Missed Connection" could apply to my situation. She also tried to reach someone at Travel Insured, but was not successful.
The claim I had wanted to file for transportation was minimal, and I'm not very happy with the results of this "test run." I think next time I would spend more with another company that provides better coverage and clearer and more straightforward terms and conditions, and also one that has representatives who can be reached when needed. I would say this insurance can work for you if you are willing to thoroughly read and memorize the 56 page policy document and are satisfied with the loopholes.
According to my travel insurance summary, benefits would be payable for a "Missed Connection" due to a delay of three hours or more. We were able to get on another flight but due to the flight cancellation we were delayed at the airport for four hours; we didn't arrive at our home airport until after midnight and incurred extra expenses for our transportation back home from the airport (a relative was going to drive us home but couldn't do it at that hour). I was hoping to file a claim for the unexpected transportation expenses to get home from the airport.
However, when I called Travel Insured I was told to read page 14 of my travel insurance policy document, where it states that a "Missed Connection," is only applicable at the beginning of a trip, and only if you miss your cruise or tour. So missing our ride home from the airport was not covered. I had actually tried to call Travel Insured when our flight was cancelled to get clarification of how the policy applied to our situation, but the office was closed. I then called the 24 hour travel assistance line that is offered in conjunction with this policy; the representative I spoke with cautioned that she did not work for Travel Insured and could not interpret the policy, but she also assumed that the "Missed Connection" could apply to my situation. She also tried to reach someone at Travel Insured, but was not successful.
The claim I had wanted to file for transportation was minimal, and I'm not very happy with the results of this "test run." I think next time I would spend more with another company that provides better coverage and clearer and more straightforward terms and conditions, and also one that has representatives who can be reached when needed. I would say this insurance can work for you if you are willing to thoroughly read and memorize the 56 page policy document and are satisfied with the loopholes.
Lee B. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
-
Zac
Thank you for your feedback on the policy. C&F Travel Insured International has issued the following reply:
"We apologize if you have experienced any frustration or inconveniences. After speaking with the Customer Care Department, it was indicated that you were delayed for 4 hours on your return flight and were looking to file a claim. The rep advised that the Missed Connection is if you miss a cruise or trip departure due to a delay; therefore, this situation wouldn’t qualify for benefits. The rep also explained that in order for Travel Delay benefits to be payable, you would have to be delayed for 6 or more hours. Unfortunately, since it was a delay of only 4 hours, the use of the benefit was not qualified. We urge you to contact us any time at 1-800-243-3174 with questions or concerns before, during, or after your trip to ensure you are receiving the best coverage and service possible. Thank you."Jan 12,2017
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Lite
This plan offers peace of mind, A passenger had to be air lifted off the ship due to a medical condition, I sure hope she had insurance, it's not worth the risk of not having insurance.
Thomas B. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
Glad I choose a good plan for my cruise.
Nancy M. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Lite
Site was easy to navigate, the price was fair for the amount of coverage;we did not need to use a claim but feel confident it would have been handled fast and professionally
Dennis R. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Lite
The one thing that happened your plan did not cover. My husband lost a tooth from his partial in the top front of his mouth while eating an appetizer on the cruise. Obviously, he swallowed it.
Very disappointed.
Of course I thought it would be covered because it had dental on the plan, yet, who would ever think it would break loose eating.
Very disappointed.
Of course I thought it would be covered because it had dental on the plan, yet, who would ever think it would break loose eating.
Thomas C. would
recommend this plan to a friend or relative.
-
Zac
Thank you for your review regarding the C+F Travel Insured International Worldwide Trip Protector Lite plan. We are sorry to hear about this unfortunate occurrence. Emergency dental treatment due to accidental injury to sound, natural teeth is covered up to 750USD on this plan. You were likely informed there would be no coverage in the instance you described because an accidental injury did not occur to a sound, natural tooth. The dental benefits provided by this plan reflect the industry standard.
Thank you for using InsureMyTrip for your travel insurance needs. Please call us at 800-487-4722 if you have questions or concerns.Nov 21,2016
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
Fortunately, we didn't have to use the policy. Glad to know it was there if we needed.
Jason S. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Plus
Felt safe . . I made cruise vacation plans a year in advance and needed to be reassured .
Diane K. would
recommend this plan to a friend or relative.
Travel insurance plans are "named peril" policies which means only those perils/hazards that are specifically listed in the policy are covered. In addition, all plans have their "exclusions and limitations" which may affect your coverage. Since policy terms and conditions vary from plan to plan and are also state-specific, this does create discrepancies in coverage between plans. Although you can review the policy terms and conditions prior to purchase by clicking on "View Certificate", this can be a long and frustrating process given the number of offered plans, so we encourage you to call customer care at InsureMyTrip 800-487-4722 for assistance.