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
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
tour
Nationwide Mutual Insurance
Prime
Fortunately we did not need to file a claim covered by this insurance. It was a great trip.
Emily S. would
recommend this plan to a friend or relative.
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
You kept & $200 out of the $500 I paid after canceling. Unforeseen circumstances came where I had to cancel. I paid for protection for the trip, not insurance if I didn’t go. I am very disappointed. You say you used my insurance to retrieve a deposit I paid to the Catholic Travel Centre. I never went on the trip and you should have reimbursed me fully for not using the insurance in Jerusalem. I could have understood a small amount for processing, but not $200!!!! What a racket.:(
LEANNA L. would not
recommend this plan to a friend or relative.
1 of
1 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
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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
tour
C&F Travel Insured International
Worldwide Trip Protector
all such insurance so expensive. necessary
Mary H. would
recommend this plan to a friend or relative.
-
Carol
Thank you for providing your feedback. There are 3 main factors that determine premium costs: the cost of the trip, the length of the trip, and the travelers ages.Â
In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you.
Mar 26,2019
The trip included a
tour
AIG Travel
Travel Guard Basic
The travel insurance gives you piece of mind in case of a real need.... I have never purchased travel insurance in the past, since I have traveled to known regions, I only purchased it this time since travel to Jordan and Egypt were unknowns to me on medical system.... We did use emergency services in Jordan for my son that fell ill..... The total cost for his emergency room visit was $40, of course lower than the deductible, but that is OK
Colin B. would
recommend this plan to a friend or relative.
The trip included a
tour
TruTravel Insurance
Premier
I appreciated the assistance over the phone to compare plans and choose one that fit my needs. The Representative was helpful and pleasant. I did not have to file any claims (lucky me).
Andrea Ann G. would
recommend this plan to a friend or relative.
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
I felt that the Plan was far too expensive but it did cover all of my concerns. I was delighted not to need to use it but having not used it, I do not know how well it might have cared for a problem. Therefore, I really am not able to evaluate it.
Sue P. would
recommend this plan to a friend or relative.