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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.
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The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
I purposely selected this policy from Travel Insured International because it claimed to cover Bankruptcy or Default of the trip provider. The trip provider, Vantage Travel, encouraged me to pay them in full in cash, one year in advance, in order to save 10%. Although I normally prefer to pay travel expenses via credit card, this provision in the insurance policy reassured me that it would protect my cash payment. Yet scarcely one month after making the payment, Vantage canceled my trip, offering me a full refund, which never arrived. I contacted Travel Insured International to see if I could file a claim, based on the default provision. They told me to file the claim, requesting all kinds of documentation, including the travel provider's irrelevant cancellation policy if I were to cancel the trip. The claim was denied. Even though, in my opinion, the travel company was in default of payment, the insurance company later told me that their fine print definition of default requires that the travel company should no longer be in business.
Still, I took comfort in the advice of two different insurance representatives that I could use the premium paid for this policy toward another trip. I then tried to do this and was denied the privilege because I had previously filed a rejected claim. So, besides losing the money paid for the trip, I have also lost the money for the insurance premium I paid to protect me. I feel that besides Travel Insured not paying me what I lost, they gave me a lot of conflicting information, so I will never use them again. I advise others to be wary, too, of using this unreliable company.
Update: Eventually Vantage Travel filed for bankruptcy. I then refiled my claim under the bankruptcy clause of this policy. The insurance company turned it down again. The convoluted wording of the bankruptcy clause seems to state that I cannot recover my loss if I actually paid the trip provider for the trip!!! I complained to Insurance My Trip but they were useless.
Still, I took comfort in the advice of two different insurance representatives that I could use the premium paid for this policy toward another trip. I then tried to do this and was denied the privilege because I had previously filed a rejected claim. So, besides losing the money paid for the trip, I have also lost the money for the insurance premium I paid to protect me. I feel that besides Travel Insured not paying me what I lost, they gave me a lot of conflicting information, so I will never use them again. I advise others to be wary, too, of using this unreliable company.
Update: Eventually Vantage Travel filed for bankruptcy. I then refiled my claim under the bankruptcy clause of this policy. The insurance company turned it down again. The convoluted wording of the bankruptcy clause seems to state that I cannot recover my loss if I actually paid the trip provider for the trip!!! I complained to Insurance My Trip but they were useless.
Michael S. would not
recommend this plan to a friend or relative.
6 of
7 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Premium
The Plan covered everything I wanted and for a decent price. I used customer service when I booked the insurance - the Rep was very helpful.
Richard B. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
International Medical Group
iTravelInsured LX
My husband and I planned a trip to Jordan, Egypt and Dubai in January/February of this year. We were flying Emirates Airlines who provided us with a free travel insurance package via AIG but we were not happy with the amount of coverage. We have always used insuremytrip.com for our other insurance so my husband suggested that we get a policy instead with IMG that would provide up to $250 per day in coverage expenses if per chance we caught covid on the trip. AMA Waterways already provided us with the ability to cancel up to 24 hours prior to the start of the trip and receive future cruise credit should we get covid or some other illness that would prevent us from traveling so we were only interested in what would happen while on the trip. While on this trip, some people caught covid while on our Nile cruise, and while we tested negative in Cairo prior to our departure to Dubai (results we think were fraudulent since everyone tested negative including the people who had just caught covid), we were required to test again upon arrival in Dubai and found out that both of us tested positive and were required to quarantine for 6-10 days. We called IMG who made sure we were both okay (we were sympton free) and they told us to contact them again when we arrived home and file a claim. When we got home, we got ahold of IMG, they sent us the claim form to file and told us what documention was required. We were able to fill out the form (and I attached a spreadsheet detailing all of our expenses in both AED (Dubai currency) and US dollars to make it easy for the IMG agent to review our claim. We filed the claim form and all supporting documentation through their secure message portal. Within 24-48 hours, we received and email from IMG. They told us they were experiencing higher than normal claim volume but would get to our claim and review it as soon as possible. Within about 3-4 weeks, IMG had reviewed all of our documentation and approved most of what we had requested - they didn't approve the 3 days that we were already scheduled to be in Dubai - just the extension (trip delay) period, which was understandable. They sent us an email detailing what was approved, followed up with a text message and 3 days later we had the money in our checking account. I cannot say enough about how great IMG was to work with and I would purchase another policy from them anytime.
Nancy D. would
recommend this plan to a friend or relative.
11 of
11 people found this review helpful
The trip included a
cruise
tour
Berkshire Hathaway Travel Protection
ExactCare Value
I requested evidence that we had COVID coverage. The agent I talked with assured me we did and immediately sent me a cover letter stating that. The agent was very helpful.
Richard B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Brittany GBerkshire Hathaway Travel Protection
Thank you for your review, we're glad you've had a positive experience.Mar 17,2022
The trip included a
cruise
tour
WorldTrips
Atlas International
Great , will use again
Mazen A. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AXA Assistance USA
Gold
Because we were traveling in the Middle East region, we wanted terrorism coverage, in the event of a disaster. However, all of the countries we visited were very conscious of their tourism visitors and security was very well handled and visible. We would recommend AXA Assistance USA Gold Plan to ease your mind.
Jon A. would
recommend this plan to a friend or relative.
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