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
AXA Assistance USA
Gold
As we did not have to use really don’t have any feedback!
Margaret M. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
We had planned to take a river cruise that was cancelled a month before our departure. Apparently, the company shut down all operations and eventually filed for bankruptcy. I filed a claim as soon as I discovered what was going on. Fortunately, I had previously printed copies of all correspondence from the company, including copies of their website confirming my cruise details and payment record. Before the bankruptcy was announced, the website was shut down and none of that was accessible. All of this, and more was required to be submitted to substantiate my claim - some of it was requested more than once. In the end, I had to wait many months until the bankruptcy case reached a point where it was obvious that customers were not going to get anything back before a determination of my claim was made, but they did pay my claim in full. As a caution, people who bought trip insurance through the cruise company - even though they claimed it was underwritten by the same US Fire and Insurance company - got nothing because their insurance was worthless once the company went bankrupt.
Wayne N. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
The insurance product was fairly comprehensive and I was reassured having it. It was not cheap, but not prohibitive either. I will really never know anything about service until I have to submit a claim, which has never happened to date, thank goodness.
Arthur F. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Standard
My claim was paid-in-full within 6 days!
Thomas B. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Met all my concerns for coverage.
Thomas J. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
I put in for clothing while I waited for my luggage to show up and then I had to go back to the airport to get my luggage when it finally showed up. They couldn’t deliver it for 3-4 more days at which time I would be on a boat. They didn’t reimburse me for those costs and they did not reimburse me for all the close costs either.
Janet S. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
Fortunately I did not need to use my insurance coverage but it was comforting knowing I had it.
Sharon C. would
recommend this plan to a friend or relative.
The trip included a
cruise
WorldTrips
Atlas Journey Economy
Our trip was delayed on the return trip, but the plan does not mention covering delays on return. Why should this delay not be covered, getting home a day late cost me not being able to work that day.
Brian K. would
recommend this plan to a friend or relative.
-
Angie
We are sorry for your travel delays. Your plan does have delay benefits for departure, during, and return so we encourage you to file a claim so we can evaluate your situation for any applicable coverages. Thank you for reaching out and we wish you safe travels.Oct 19,2023
The trip included a
cruise
Nationwide Mutual Insurance
Choice Cruise
Costco Travel offers better prices and protections, but unfortunately this trip wasn't booked through Costco Travel.
Robert S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Choice Cruise
Be sure you understand the difference between Trip DELAY and Trip INTERRUPTION from the Insurer's point of view. It's a difference of a maximum benefit of your trip cost (Interruption) and a maximum of $150 daily (Delay). I still don't understand it.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.
I was Quarantined in Switzerland during my 2-week trip after testing positive for COVID and was unable to return home as scheduled. I would consider this an Interruption of my trip. Nationwide called it a Delay. As such, I was reimbursed only $450 of my $850 costs for the 2-day interruption. Thankfully it wasn't any longer as the cheapest lodging I could find was $260 nightly.
In addition, after spending 4 hours gathering the plethora of documents and receipts required and mailing it (trying to file multiple documents online was impossible), my claim was delayed for 3 months due to a backlog. I had to call multiple times to get the status of my claim. When my reimbursement finally did arrive, it was short $150 (they misread my claim and only paid for 2 days instead of 3), necessitating another call from me and a wait for final payment.
I think they're reasonably priced if all you're looking for is a trip cancellation in case you get hit by a bus before your trip and can't go, but otherwise I'd look elsewhere.
Kimberly Z. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful