Travel Insurance Reviews Travel Insurance Reviews Plans
To find the best travel insurance plan for your trip, you want to know which plans worked well for other customers. All of our travel insurance reviews were submitted by customers who purchased a plan on our site. These reviews cover the spectrum including travel health insurance, cruise insurance, comprehensive travel insurance and last minute travel insurance.
How We Count Reviews: Our online review database contains over 100k reviews and ratings collected directly from customers via our site and third-party platforms. All reviews have been verified as honest ratings from real travelers like you.
InsureMyTrip evaluates all of the reviews posted on the site. "Anytime Advocates" - a team of licensed, uncommissioned travel insurance representatives - are available to assist any customer who may need help facilitating a claim or answering questions about a purchased plan before, during or after their trip.
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
Luckily, I didn’t need to use it but it sure felt good knowing I had it in case I did need it.
Hayden B. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Standard
Expensive and less coverage, especially no option for “Cancellation for any reason”.
Manpreet B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Took two and a half to process my claim which was caused by the death of a family member. I had difficulty communicating with the company that processed my claim. I will not use this company again.
harold p. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Berkshire Hathaway Travel Protection
ExactCare
I need this plan essentially just for medical. I have not filed a claim but it gives me peace of mind while I travel. It is very reasonably priced as well.
Todd T. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard® Deluxe
I will never use this company again. They refused my claim by bending the rules to give them an excuse to deny the claim
Sheila V. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Angie
I’m sorry to hear your trip did not go as planned. Insurance covers for the specific reasons, or covered perils, outlined within the Policy of Insurance. Each claim is fully adjudicated based on the coverage purchased and supporting documentation. You may submit an appeal if your claim was formally denied and you have reason to believe this was an error, or if you have new documentation to support coverage. The easiest way to accomplish this is by responding to the written notification you would have received if/when the claim was denied. You can also reply here, or inform IMT so we can work together to get an appeal started for you.Jan 04,2024
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
The claim was filed October 25th with 9 attachments, I received an email asking for more information Nov 12th, which i responded to Nov 13th with 4 more attached documents, and got an confirmation email. Since i never heard anything again and the website only shows "RECEIVED" I called on Dec 7th. In the call I was told they sent me an email asking for more information, so i informed them i had responded the following day. She put me on hold and said i would receive a call in 20 minutes to finish up the claim. No call back. I called again with similar results, (being told i would get a call by end of day) on Dec 14th, 15th, 18th, 20th and 27th. Still nothing...they have all said, "I've upgraded your claim to priority and sent it directly to the manager." Now I'm being told they have a 2 week re-review period and I'll receive an email.
DO NOT purchase a plan from Nationwide if there is any chance you might actually use it.
My claim isn't even much, about $400 on a plan that cost $163.
DO NOT purchase a plan from Nationwide if there is any chance you might actually use it.
My claim isn't even much, about $400 on a plan that cost $163.
Logan Z. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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
Berkshire Hathaway Travel Protection
ExactCare Value
I purchased the insurance before my trip. I had no problems and did not have to use it but as the saying goes better safe than sorry.
Paul H. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
I purchased a $4000 coverage plan for my trip to Israel. Unfortunately, a terrorist attack occurred, followed by a war outbreak. For safety reasons, the travel provider canceled the trip. My travel insurance, however, refused to cover the $500 non-refundable deposit I paid. They cited that the 33-day gap between the attack and the scheduled departure date exceeded their 30-day limit for coverage. This is extremely frustrating given that the conflict is still ongoing, and I am left as an innocent party affected by these circumstances.
Quinn C. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
We purchased Nationwide travel insurance for a 3 week European vacation. We needed to file for trip delay due to weather issues and then for trip interruption due to my husband falling ill and needing hospitalization in London 1week into our trip. The overseas division , On Call International, worked their magic to get us flights home. They even arranged for wheelchair service at all connecting airports. They were very responsive and kept us informed throughout the process, Once home, the claim forms were easy to fill out and if I had a question it was easy to contact representatives by phone to clarify. Charges for unused , pre paid hotels and cruise were reimbursed within 6 weeks. The only things that were not covered were my hotels and food during my husband’s hospitalization . Those are only paid if the trip is interrupted by a hazard and sickness is not considered a hazard. As I went back and read the policy I could see that was true, but sometimes you don’t know what to look for prior to purchase. I would caution, if you find yourself in the same situation, to get contact emails for doctors as they needed to fill in some parts of the forms. Medical was also included in the policy but it is secondary to your own health insurance. We needed to submit to our health insurance first and since they paid the bill in full we didn’t have to submit to Nationwide. Make sure to keep all invoices and emails to be submitted with your claim. Bottom line- I would use Nationwide again because of their excellent overseas service and quick settlement of the claims,
Deborah L. would
recommend this plan to a friend or relative.
4 of
4 people found this review helpful