Travel Insurance Reviews TravelSafe
TravelSafe Insurance has become the industry leader in travel insurance products through innovation, experience and excellent customer service. Since 1971, they have marketed and administered the most comprehensive policies available in the industry and lead the way in developing new solutions for the insurance needs of travelers.
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The trip included a
tour
TravelSafe
Classic Plus
No problems, no claims, great peace of mind. Price could be a bit cheaper.
Kenneth H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
TravelSafe
Classic Plus
Did not have to actually use the plan...cannot really offer accurate review...
Ty E. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
TravelSafe
Classic
I I felt I had chosen the best insurance and had all my questions answered about my coverage as I added things that needed to be insured. I asked many questions and always received quick, helpful responses. We have been on many cruises and learned through the course of the trip of people falling, having a heart attack and being evacuated and on this lasted trip, an injury needing blood donors so having this insurance hopefully would have made an emergency medical problem less costly as well as covering g any one of the things go wrong.
Barbara S. would
recommend this plan to a friend or relative.
The trip included a
tour
TravelSafe
Classic
Entire process was simple and easy to understand.
Alfred F. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
TravelSafe
Classic
Thankfully, I didn't have to file a claim but I appreciated knowing that I had coverage should I need it.
thomas K. would
recommend this plan to a friend or relative.
The trip included a
tour
TravelSafe
Classic
I have travelled extensively and have always bought travel insurance but this is the first time I have filed a claim. My flight to India was canceled and delayed for 24 hours. Since I had a non refundable hotel and scheduled pre paid tours for my original arrival date, I called the airline and requested that I be booked on a flight a day earlier instead of a day later. I filed a claim for the extra nights hotel and my claim was denied. If I would have stayed with the later flight, the claim would have been for more since they would have had to reimburse me not only for hotel but for the pre paid tour as well. That is why I carry insurance for when the unexpected happens. This was a situation beyond my control and I tried to make the best decision but Travel Safe was not willing to work with me.
Maria D. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
TravelSafe
Classic
Great price for disaster removal coverage on trip to Antarctica - although not used, peace of mind was well worth the $50!
Chandler V. would
recommend this plan to a friend or relative.
The trip included a
tour
TravelSafe
Classic
This was one of the rare occasions I have had to file a claim with travel insurance, and my experience was time consuming, frustrating, ultimately dissatisfying, and just plain awful. The dispute centered on a provision buried deep within the the policy language that required a contemporaneous written report of the incident in order to receive compensation. While I will not go into the details, in my case damage to a camera and lens occurred while staying in a rustic backpackers' lodge in a remote region of Borneo, where such formalities would be absurd. I did, however, make the management of the lodge aware of the incident verbally, and I also confirmed my account with them by e-mail after returning to the U.S. This documentation was provided to the insurer, but rejected as insufficient evidence that the damage occurred during the coverage period. In truth, the amount I was seeking -- $290 for repair of the camera and lens -- was not much more than the cost of the policy premium. I found the attitude of TravelSafe (and their claims agent TripMate) to be doctrinaire, inflexible and, frankly, sleazy. I had used TravelSafe on two previous occasions, but I will never use this company, or their underwriter, United States Fire Insurance Company, again.
Robert P. would not
recommend this plan to a friend or relative.
-
Mike
Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that your property was damaged during your trip and are dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. With any travel insurance policy you would be required to have written documentation at the time of loss for damage to, or theft of your personal property. This will substantiate your claim and demonstrate that the event occurred while you were traveling. The following information can be found in the certificate of this policy:
"Additional Claims Provisions Specific to Baggage: Your duties after loss of or damage to property or delay of baggage:
In case of loss, theft, damage or delay of baggage or personal effects, You must:
a) take all reasonable steps to protect, save or recover the property;
b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of
Your property at the time of loss;
c) produce records needed to verify the claim and its amount and permit copies to be made;
d) provide to the Company, within 90 days from the date of loss, a detailed proof of loss signed and sworn to; and
e) be examined, if requested."
In the future, please consider calling us prior to purchasing a plan so that we can assist you in reviewing any specific concerns that you may have when you are selecting a travel insurance policy. Our toll free telephone number is 800-487-4722. We look forward to assisting you.Jan 29,2018-
RobertP
Thanks, Melissa. Believe me, I am now quite familiar with the provisions of the policy you have quoted, the reasons for them, as well as the reasons why my claim was denied.
Please allow me to point out, however, that the phrasing of part (b) is unclear and open to interpretation.
The clause requires that written notification be made to any one of a list of entities -- police, hotel, etc. -- "or any Common Carrier or bailee who has custody of your property at the time of loss." Does the qualifier, "who has custody of your property at the time of loss" apply only to Common Carriers and bailees? Or to the entire enumerated list? Bailees, by definition, have custody of your proprerty. That's what makes them bailees. Common Carriers have custody not only of your property, but also of your person for the duration of their carriage. So, qualifying only these two types of entities is superfluous. That would seem to imply that the qualifying phrase, "have custody of your property" applies to the entire list, not only Common Carriers and bailees.
In my case, the hotel did not have custody of or control over my property at the time the damage occurred. It was in my hands and in my control. Therefore, the requirement of wriiten notification has been misapplied in this case, and insurance should've paid.
I brought up this point with TripMate, but they didn't buy it. For my part, I paid $290 for repair of the camera and lens, with which I was very pleased -- Photo Tech on West 36th Street in Manhattan. I recommend them highly. I've moved on with life.Jan 29,2018
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The trip included a
cruise
tour
TravelSafe
Classic
We cruise frequently and have been purchasing Travel insurance for many years. After comparing a number of policies we have come to the conclusion that TravelSafe Classic offers the best coverage in it's class at a very competitive price.
Earlier this year on the 3rd day of our 20 day cruise we got the word that a very close relative had passed away and we had to rush back. This experience exposed the strengths and weaknesses of this plan. The process of filing claim was simple and according to the acknowledgment of the receipt of the claim I was to receive a decision within 14 days. After not having heard anything for almost a month I contacted TravelSafe who told me that they were just the agents for the US Fire Insurance and claims are handled by TripMate. Unfortunately there are a lot of negative reviews about TripMate and I experienced some of the same problems. Most of the time their phone would ring for a while and then disconnect the call, other times they would put me on hold for as long as an hour and then hang up. A few times I got the option to leave a message with a promise of receiving a call back within a few hours but no one ever called back. At least four times I managed to actually talk to an agent, each time they would take my information and promise to get back to me the next day but never heard back from any of them. After two and a half months of not getting anywhere with TripMate I requested assistance from TravelSafe who contacted TripMate on my behalf and within 2 weeks my claim was processed. In the end it took about 3 months and I received the full value of the benefits I had purchased. I am not sure how much longer it would have taken had TravelSafe not intervened. In spite of our frustrating experience with TripMate we just purchased TavelSafe Classic Plan for our upcoming cruise because it provides excellent coverage at a reasonable cost and I am told that TripMate is working on improving it's customer service.
On a side note, InsureMyTrip claims that if you purchase a policy through them they act as an advocate on your behalf, however, it was my experience that all InsureMyTrip did for me was to give me the telephone number of TravelSafe.
Earlier this year on the 3rd day of our 20 day cruise we got the word that a very close relative had passed away and we had to rush back. This experience exposed the strengths and weaknesses of this plan. The process of filing claim was simple and according to the acknowledgment of the receipt of the claim I was to receive a decision within 14 days. After not having heard anything for almost a month I contacted TravelSafe who told me that they were just the agents for the US Fire Insurance and claims are handled by TripMate. Unfortunately there are a lot of negative reviews about TripMate and I experienced some of the same problems. Most of the time their phone would ring for a while and then disconnect the call, other times they would put me on hold for as long as an hour and then hang up. A few times I got the option to leave a message with a promise of receiving a call back within a few hours but no one ever called back. At least four times I managed to actually talk to an agent, each time they would take my information and promise to get back to me the next day but never heard back from any of them. After two and a half months of not getting anywhere with TripMate I requested assistance from TravelSafe who contacted TripMate on my behalf and within 2 weeks my claim was processed. In the end it took about 3 months and I received the full value of the benefits I had purchased. I am not sure how much longer it would have taken had TravelSafe not intervened. In spite of our frustrating experience with TripMate we just purchased TavelSafe Classic Plan for our upcoming cruise because it provides excellent coverage at a reasonable cost and I am told that TripMate is working on improving it's customer service.
On a side note, InsureMyTrip claims that if you purchase a policy through them they act as an advocate on your behalf, however, it was my experience that all InsureMyTrip did for me was to give me the telephone number of TravelSafe.
Pervez Z. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
TravelSafe
Classic Plus
I have purchased travel insurance in the past but never filed a claim. In 2017 me and my wife planned to take a Mediterranean cruise and I purchased insurance from TravelSafe. Shortly after we put down our deposit and purchased plane tickets we found out my wife was pregnant. Since she would be in the third trimester at the time of the cruise, we decided to cancel our plans. I filed a claim with TripMate (they process the claims for TravelSafe) under the "cancel for any reason waiver" since pregnancy is not a covered medical condition.
Pros: As specified in the insurance contract, they did reimburse us for 75% of the cost of our plane tickets and trip deposit. Also, their price was reasonable relative to the other plans I looked at when I was shopping for trip insurance.
Cons: It did take them about three months to process the claim and for me and my wife to receive a check, even though it was a relatively simple claim. I don't know if that's standard for the industry. I didn't think the amount of paperwork was unreasonable, but I found it odd that they made me submit a bunch of tour information and then asked our travel agent for the exact same material. Luckily, our travel agent was willing to answer their questions and provide the information, even though we did not purchase the policy through her. If our travel agent decided not to answer their questions would we still have had our claim approved?
Pros: As specified in the insurance contract, they did reimburse us for 75% of the cost of our plane tickets and trip deposit. Also, their price was reasonable relative to the other plans I looked at when I was shopping for trip insurance.
Cons: It did take them about three months to process the claim and for me and my wife to receive a check, even though it was a relatively simple claim. I don't know if that's standard for the industry. I didn't think the amount of paperwork was unreasonable, but I found it odd that they made me submit a bunch of tour information and then asked our travel agent for the exact same material. Luckily, our travel agent was willing to answer their questions and provide the information, even though we did not purchase the policy through her. If our travel agent decided not to answer their questions would we still have had our claim approved?
Matthew S. would
recommend this plan to a friend or relative.
-
Carol
Special thanks to your travel agent who assisted you in gathering the necessary documents. Although we cannot predetermine a claim, you could also have requested assistance from a claim advocate at InsureMyTrip who would have acted as your intermediary during the claim process.Nov 18,2017
Although it is never pleasant to hear that your claim was denied, this was a fair denial of coverage according to your policy terms.
(1) According to page 1 of your TravelSafe certificate, "Travel Delay: Coverage begins after You have traveled 50 miles or more from home en route to join Your Trip. This is Your “Effective Date†and time for Travel Delay." Since you changed your departure date back on 09/13/2017, which was before your original departure date of 09/22/2017 and before you traveled 50 miles or more from home, you would not have a valid Travel Delay claim under this policy.
(2) You also indicated in a previous email that "No charge fees or penalties have been incurred. There are no claims or pending claims at this time." Voluntarily changing your departure date prior to departure and incurring the expense of an additional night in a hotel would not qualify under this policy as reasonable expenses for additional accommodations according to page 5 of the certificate:
"TRAVEL DELAY
Benefits will be paid up to 0 per day for reasonable accommodation, meal, and local transportation expenses incurred by You, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, if You are delayed for 6 hours or more while en route to or from, or during Your Trip..."
We appreciate your cooperation in providing additional information for this review. We also hope that you may change your mind in the future and call us to discuss coverage for a future trip. We can be reached at (800) 487-4722 weekdays 7:00 AM to midnight ET and weekends 9:00 AM to 9:00 PM.