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
John Hancock
Silver
The process to submit a claim is entirely by mail (I imagine it's designed to make you not want to file). I had a claimable event happen on this trip, but my loss was only $75 and I am in the process of moving, so doing a claim by mail wasn't worth the hassle in the end.
Danielle L. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
IMT
Travel Accident Plan
Since my wife does not travel with me, having this plan provides me with the psychological comfort that allows me to concentrate on and benefit from the travel experiences themselves.
John S. 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
Luxury Cruise
Thanks
Arnold G. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AIG Travel
Travel Guard Basic
Didn't use the insurance...true for each trip so the cost and value are impossible to determine. At this point, it was an unneeded expense.
Deborah S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
We were able to enjoy our cruise knowing we had insurance covering issues from luggage to health. It was definitely money well spent. Thanks. Our luggage didn't arrive until an hour before leaving port due to a room change. While we were stressed about it, we knew any delay or missing luggage would have been insured by this policy.
Jay M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
AIG Travel
Travel Guard Gold
I withheld comment pending news about a couple of excursions that went badly. Today I discovered that they had been completely reimbursed. So I had/have no need to ask for assistance from Insuremytrip with regard to this past trip. However, as we age we remain increasingly convinced that we need reliable insurance to cover whatever emergencies that might arise.
William C. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
I realized why it is rated so high. If you read the reviews, most of the people did not have to use the coverage. I would not recommend this insurance and will not ever use it again. Please look elsewhere and save yourself time and stress. I researched and choose this company because it is rated high (by those who don't file a claim). If you look at those who do file a claim, it is not rated well at all. My camera damage situation did not fit into the boxes they wanted it to so the forms and processes did not work with my situation. Because I did not report the damage to my camera to anyone (since it wasn't the airline, hotel or trip operator's fault) they will not pay my claim or honor the insurance I purchased even though my camera is no longer usable and it occurred during my "covered" trip. I filled out all the paperwork, provided pictures and offered additional information but now they have gone silent. I returned from my trip in early November, it is now January. I am going in another direction to get my camera taken care of. The customer service, if you can call it that, is hard to access and lots of time waiting on the phone. I have other companies that I have used in the past that I will go back to. I do not recommend this insurance coverage.
Amy D. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
-
-
AmyD
I am pleased to say that the company reached out to me to make things right with regard to my claim. I will have a satisfactory resolution to my issue. I appreciate the response and willingness to move things forward in a positive direction.Jan 09,2020
The trip included a
cruise
tour
WorldTrips
Atlas International
Did not go on the trip and I could not get a refund on the premium.
Thomas T. would
recommend this plan to a friend or relative.
-
Carol
Thank you for your review. However, Tokio Marine HCC does offer a refund if you wish to cancel your policy prior to departure:
"CANCELLATION --
We hope you are happy with the cover this policy provides. However, if after reading it, this insurance does not meet with your requirements, please notify us of your wish to cancel and we will refund your premium.
Premiums will be refunded in full if a cancellation request is received prior to the certificate effective date.
Premiums may be refunded after the certificate effective date subject to the following provisions:
a. A $25 cancellation fee will apply for administrative costs incurred by us; and
b. Only the unused portion of the plan cost will be refunded; and
c. You cannot have filed any claims to be eligible for a premium refund."
If you have any questions, Customer Care is available to assist you by phone at 800-487-4722 Monday - Friday, 7am-12am EST and Saturday - Sunday, 9am-9pm EST.Dec 24,2019
The trip included a
cruise
tour
Travelex
Travel Select
Our bag was stolen from a bus in Chile so we had to make our first ever travel insurance claim. I was dreading it, having heard horror stories about delayed or refused claims. We put together a detailed claim with a police report, a full analysis of what was in the bag (from toothpaste to hiking boots!) and as many receipts as we could drag together and it was approved within 3 weeks and the check was in our hands a few days later. We were relieved and impressed. Although the coverage limit was less than our claim that was fine - we had chosen a plan that gave us adequate coverage and it came through. Our experience was excellent and I will plan on buying this policy again for future travels. Thank you.
Kate W. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
AIG Travel
Travel Guard Gold
I filed a claim after my brand new $1000 camera was drenched with a mixed drink. I was told that I had to file with my home owner's policy first. Isn't the whole purpose of having paid extra for this insurance so that I get better coverage and don't have to take the hit with my primary? I was told that if I did not do that, I'd be limited to $500 (my deductible on my HO policy). So I filed, and was denied. Then still only got $500. Because that's all the policy covers. I can't find that anywhere in the 20pages of fine print. Feel like the adjuster was less than honest/genuine.
Rita K. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
-
Mike
Thank you for your feedback. We are sorry to learn that your camera was damaged on your trip. The AIG Travel Guard Gold provides Secondary coverage for Baggage and Personal Effects. If a travel insurance plan is secondary, the insured person(s) would be required to file a claim with their Homeowner's insurance first. If coverage is denied or only partially provided, the travel insurance would cover the remainder, up to the policy limit.
As stated in your policy certificate, your plan covers the following under Baggage and Personal Effects:
"The Company will reimburse the Insured up to:
• 500USD for the first item and thereafter
• 250USD per each additional item
• 500USD aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players."
Please call us at 800-487-4772 if you have any questions pertaining to this policy, or about primary vs secondary coverage. We would be happy to assist you.Mar 14,2019
"We are sorry for the disappointing situation that has occurred. Your Claims Analyst will be contacting you to further discuss your claim. Thank you for your patience, we apologize for the inconvenience."