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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
tour
AIG Travel
Travel Guard Preferred
AVOID TRAVEL GUARD AND AIG INSURANCE CO
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
Dallas V. would not
recommend this plan to a friend or relative.
14 of
14 people found this review helpful
-
Angie
We at AIG Travel apologize for any challenges you experienced with your claim. Claims are adjudicated based on the coverage purchased and supporting documentation submitted. If you would like assistance with contacting your Claim Adjuster to further review the outcome of your claim and the benefits available, please let us know.Apr 25,2023-
DallasV
To anyone consider AIG Travel Guard, this reply from AIG is representative of the level of customer service you can expect from AIG should you ever have a claim. My review states we were promised a call from our claim adjuster, and the claim adjuster never called. Now, the response from AIG asks if we want assistance contacting our Claim Adjuster.
Angie @ AIG - we are still waiting for a call from the claim adjuster that we requested months ago, so please follow up on the original request for the claim adjuster to call us.
Thank you.May 01,2023
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Berkshire Hathaway Travel Protection
ExactCare Value
My daughters insisted that we purchase travel insurance for our trip to Utah. I read Clark Howard’s recommendation to go to a website to compare plans. I found that Berkshire Hathaway had the best. I’m happy that we did not need it and I’ve already recommended Berkshire.
William H. would
recommend this plan to a friend or relative.
-
Brittany G
Berkshire Hathaway Travel Protection
Thank you for your feedback, we appreciate it!Aug 29,2023
Generali Global Assistance
Vacation Rental Damage Plan
The plan fit all the needs and requirements of our host for the month of March.
It provides a true peace of mind if something had broken due to our fault during our stay. ?
It provides a true peace of mind if something had broken due to our fault during our stay. ?
MICHAEL G. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Vacation Renter Protector
It’s nice to have peace of mind knowing that if something were to happen before or during my trip I’m covered.
Catherine S. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
Nationwide is a good insurance carrier, while I didn't need to use the policy, being an insurance agent, gave me confidence in the plan and carrier backing it up.
Richard R. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Generali Global Assistance
Preferred
I was very pleased with how quickly they took care of our claim. I was also happy that when we were delayed 9 1/2 hours that they paid for our lunches even though we had paid cash and didn't have receipts. It was a very reasonable price that we paid for our lunch so it was good that they covered it. Very happy with the expedited claim.
Gail B. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Prime
I had to cancel a trip due to an injury 2 weeks before I was due to leave. It was a group trip with hotel, daily transport to ski areas, airfare and other items. I showed documentation for airfare not being refundable and all my payments. Within 3 weeks I had my check. The representative called me with one question. She was polite and understood my claim once we spoke. I am more than satisfied.
Lisa R. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Trawick International
Safe Travels Voyager
It took altogether too long to process the claim. There is no way to even see where it stands. An email to customer service took a long time for a response.
Andrew A. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Trawick International
Safe Travels Voyager
I wish there was an option to cancel the insurance plan at least a month in advance. I canceled my trip and luckily was able to get all my money back or a credit. I didn't need the insurance. I understand not canceling insurance at the last minute, but a 30 day in advance could be possible.
Nancy A. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Trawick International
Safe Travels Voyager
I did not have to make a claim for this particular trip, but I DID have to make one for a trip I insured with them last fall. The submission process was easy, and although I had to submit all of my paperwork twice for some reason, I was reimbursed for all of my expenses within a reasonable time. I wouldn't hesitate to use Trawick again to insure a trip.
Breean G. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful