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
Generali Global Assistance
Standard
After a long battle with me having to "prove" my DCL Alaska cruise was cancelled "by DCL", they did come through and refunded my Policy premium. Next cruise I will buy from them again.
August M. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
WorldTrips
Atlas Expedition
We just returned from a Alaska cruise sailing from Seattle. We used the Port Valet service where you leave your bags outside your door on the ship the night before disembarkation. We had four bags tagged with the preprinted SWA luggage tags. The program is free and the bags are supposed to be transported to your home airport. When we got there only three bags. So we filed a missing bag report with SWA. Port Valet said we only checked three bags which is untrue. I called the insurance to file a claim since I was missing my custom made orthopedic shoes in addition to souvenirs from our trip. I was told they were closed and the guy I spoke with would send me a copy of my policy. I have yet to get my bag four days later, but SWA called and found it the evening I arrived home. Apparently, this insurance only covers delayed baggage on the outbound trip. I called on Monday to file a claim, but I am SOL! I can only file a claim if I don't get it back, and the insurance only covers what SWA doesn't since I'd need to file a claim with them first. Make sure you know what your getting before purchasing! I'm glad I didn't have more issues on this trip. I get the feeling this insurance company will do anything it can to avoid paying claims.
Mary F. would not
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
This was the first time we had ever purchased travel insurance. If we ever do again, we will definitely not be using Nationwide. Even after my insurance paid as primary, Nationwide rejected my claim as they were our secondary insurance for this trip. Interesting that my medical insurance had no issues processing their portion of the claim, but we paid extra for this travel insurance and then they won't even process the claim.
Jeffrey R. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
-
Carol
Thank you for your comments. After receiving your review, we reached out to Nationwide for a response. Here is their reply:
“According to the documentation provided, you are requesting reimbursement for an acupuncture treatment while you were on your cruise. The Emergency Sickness Medical Expense coverage provides reimbursement for Covered Medical Expenses which are necessary services and are ordered or prescribed by the attending Physician. Unfortunately, you were not treated by a physician while on the cruise that ordered or prescribed you to receive an acupuncture treatment.”
Although it is unfortunate to hear that you are not satisfied with the denial of your claim, the decision was made in accordance to the terms of your policy.Dec 09,2019 -
JeffreyR
The acupuncturist on board treated me for vertigo after spending 2 days in my room. From the web..."Medical acupuncturists are physicians (e.g., medical doctors, osteopaths [osteopathic physicians], dentists) who have completed additional training in acupuncture."
I received this treatment so that I could function which I believe would be a necessary service. Thank you~Dec 09,2019
The trip included a
tour
Generali Global Assistance
Preferred
Having never filed a claim I really don't know how to provide real feedback, the coverage seemed to fit my needs, I do think it was quite costly but so was the trip so guess it was fair.
Mary C. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Carol
Thank you for your feedback. Premiums for comprehensive policies are based largely on the length of the trip, the ages of the travelers, and the cost of the trip.
InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.Oct 22,2019
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector
We used the same plan for a trip planned for December 2018, that was cancelled due to weather and travel conditions. We submitted a claim and found the process to be very efficient. Our cancellations were covered so we did not hesitate to cover our revised trip in August 2019 with the same company and plan.
Kenneth S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Generali Global Assistance
Standard
Very reasonably priced for broad coverage. Very satisfied.
Kathy L. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Preferred
Great trip with no issues but glad to have the coverage.
Joan C. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Lite
We were thankful for the insurance. Thank Goodness that we didn't have to use it.
Yvette K. would
recommend this plan to a friend or relative.
The trip included a
cruise
Travelex
Travel Select
Good coverage. Gave us peace of mind for our trip in the event we had a medical problem.
Karen J. would
recommend this plan to a friend or relative.
The trip included a
tour
Travelex
Travel Select
Why buy trip insurance when you are not going out of the US? Seemed like a fair question to me, but due to the possibility of my work needing me to stay at the last second, I went ahead and got it for a trip to Alaska. Little did I know that a medical event would occur on day two that required multiple ER visits and the need to miss expensive boat excursions.
The whole thing maxed out the deductible on my high-deductible health care plan incurring thousands of dollars of losses not covered by my regular insurance.
This policy covered all my major out of pocket losses and while the trip itself was a loss, we were saved from paying double the cost in unexpected medical losses, too.
They took a few weeks longer than expected to process the claim, but they got it in the end and that is what counts.
The whole thing maxed out the deductible on my high-deductible health care plan incurring thousands of dollars of losses not covered by my regular insurance.
This policy covered all my major out of pocket losses and while the trip itself was a loss, we were saved from paying double the cost in unexpected medical losses, too.
They took a few weeks longer than expected to process the claim, but they got it in the end and that is what counts.
James R. would
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Baggage Delay reimburses you for the increased costs you incur to purchase necessary items because your baggage was delayed. Baggage Delay is only provided on the outgoing trip under all travel insurance plans. Once you return home, you now have access to all necessary items in your wardrobe so there would be no need to incur additional expenses.
Baggage Loss or Damage reimburses you for your lost or damaged items during the trip. However, you confirmed that the missing baggage was found and returned the next day. If there was some damage or missing items, you could have submitted a claim, but your Baggage coverage is secondary coverage meaning that it would only reimburse in excess of your primary coverage with SWA.
These terms and conditions are available within the quote prior to purchase. We encourage our customers to call Customer Care at 800-487-4722 for assistance in securing and reviewing quotes.