Travel Insurance Reviews MH Ross Advantage Complete

The Advantage Complete plan offers the highest limits of coverage of the four M.H. Ross plans, offering a broad range of covered reasons for Trip Cancellation and Trip Interruption. Under Trip Cancellation there is Hurricane warning coverage, which is beneficial if you will be traveling during hurricane season and you have to cancel your trip within 24 hours of the scheduled departure date due to a hurricane. As well as offering Trip Cancellation and Trip Interruption, this plan also offers Cancel For Any Reason. Optional extended personal property coverage is available as well as optional sports coverage.

To learn more, see the MH Ross Advantage Complete product page.

Customers who have rated the M.H. Ross Advantage Complete plan
4.42 out of 5
20
ratings and reviews
90%
recommended
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Cruise
Filed claim
M.H. Ross Advantage Complete
The premium was almost double that charged for similar coverage for a trip to Turkey last September.
Ira G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
M.H. Ross Advantage Complete
Although I didn't have to use the plan or file any claims, having the comprehensive coverage gave me the peace of mind for a worry-free trip.
Casey W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
tour
M.H. Ross Advantage Complete
I have an MBA and a lot of contract law experience. I can only speak to one area of the policies major flaw. Coverage for baggage loss or theft internationally. The policy requires a "written report" of the loss of your baggage. Sounds easy? It isn't, especially, when A) you do not have a clear definition of what the report needs to contain and B) they expect it to almost come to you as if you were in America. Imagine being in ANY foreign country, China, Iran, Jamaica, South America and your items are stolen. You need a police report. Can you file it while your there? Was there a riot? trouble? When you get home can you figure out how to file the report? Including the language barriers, time differences, the international calls and the insane amount of time you spend doing this. Foreign Countries aren't jumping up and down to spend money to help you get a report for an insurance company. At no time have I received a definition of what a "written report" exactly is and that is applicable fairly and equally across all foreign destinations. So buyer beware. If you've been denied, seek counsel.
Deirdre G. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. Your review is very informative, and we hope fellow customers will consider the information in their search for travel insurance.

    To have a payable Baggage and Personal Effects claim on a Comprehensive travel insurance policy, the insured person must notify, the police, hotel, Common Carrier or bailee who has custody of your property at the time of loss, and obtain a copy of the reported loss from the company. The wording of this requirement will vary slightly from policy certificate to policy certificate, but the basic premise is the same, the insured person bares the burden of providing the proof of loss in order to receive reimbursement for their loss. Notifying the appropriate authority and obtaining a written report for Baggage and Personal Effects claims is travel insurance industry standard for Comprehensive travel insurance policies.

    Please call us at 800-487-4722 if you have any questions about this requirement, or want details on the additional requirements for Baggage and Personal Effects coverage.
    Mar 25,2016
    • DeirdreG
      Photo
      Germany doesn't provide written reports within 48 hours, they provide them after the investigation is over. So the insurance plans ask for what is not reasonable or obtainable. You cannot know the laws of each foreign country you are visiting before you travel.
      Mar 27,2016
M.H. Ross Advantage Complete
I had no use for the plan at all, although I'm aware this might not have been the case. I primarily purchased it for coverage in the case of terrorist activity in Egypt which did not occur. However I believe the plan was out of line in cost and I regret spending so much to cover a small risk.
Margaret H. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
M.H. Ross Advantage Complete
The purpose of getting insurance is that anything can happen at any time. It was good to know that my trip was covered in case of cancellation beyond my control. The premium was good considering the trip cost. Overall, I am pleased.
Terrance H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
tour
M.H. Ross Advantage Complete
Called to discuss what type of coverage I wanted for a winter snowboarding holiday. Service was very helpful, and the policy was sorted out over the phone, with documents emailed to me straight away. Excellent service and will use again.
Mark H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
M.H. Ross Advantage Complete
Fortunately I didn't need to file a claim with M.H. Ross.
David F. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
The trip included a
cruise
tour
M.H. Ross Advantage Complete
Thankfully we did not have to use it for any claims but it was wonderful knowing it was in place should we have to. My only concern is the price of the policy which is how it is with any insurance plan. The price seemed high, $700 for a $5400 trip. But for the coverage, if we had needed it, it was a relief knowing it was there. I will always use InsureMyTrip for trip insurance rather than what the cruise or airline companies offer. I love the choice of selecting the product.
James B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Zac
    Photo
    Thank you for your feedback on the policy. In selecting this policy, you purchased M.H. Ross's highest level of coverage; Cancel For Any Reason and elevated limits for baggage and medical reimbursement. In the future, please consider calling for a quote. We may be able to secure a similar policy at a lower rate. Our representatives are available 7 days a week at 800-487-4722.
    Nov 15,2014
The trip included a
tour
M.H. Ross Advantage Complete
This should have been my first stop for travel insurance shopping. It will be now!
David W. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
M.H. Ross Advantage Complete
For auto insurance coverage in the UK, they will not accept third party coverage, so that aspect of this policy's coverage was a waste of money. It might be good to inform those interested in this aspect of coverage to be sure the country of rental accepts third party coverage.
Maureen M. would recommend this plan to a friend or relative.
3 of 6 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Matt M.
    Photo
    Thank you for your feedback on the policy. Our representatives are available seven days a week to answer any questions you may have about the the policies we offer. It is beneficial to check with rental car companies to see if they accept outside collision insurance.
    Mar 12,2014
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