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
Generali Global Assistance
Premium
This plan was almost like a scam. My friend bought the same plan from you with 1/10 price. How could it be?
Xin J. would not
recommend this plan to a friend or relative.
-
Angie
Thanks for your feedback, Xin. The calculated cost depends on a variety of factors including when you purchased your policy and time to departure. If you have any questions regarding your purchase, please call 800-874-2442. We hope you enjoyed your trip and thank you for your choosing us.Feb 12,2024
The trip included a
cruise
AIG Travel
Travel Guard Basic
Claim was very slow, seen by 3 reviewers. Poor communication with me. I never received an adequate explanation. I sent documents and they always wanted more. I will never use AIG Travel Guard again. I urge you not to offer their services.
GRANT C. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
-
Zac
Thank you for your feedback on the policy. AIG Travel has issued the following reply:
"Thanks for reaching out. As shared on our phone call last week, we apologize for the lack of communication from our Claims Department. This is not our normal service standard and we are deeply sorry for the frustration that this has caused you. If you have any outstanding questions or concerns, please don’t hesitate to reach out anytime at 1.800.826.1300."Sep 01,2016
The trip included a
cruise
tour
Generali Global Assistance
Standard
legitimate claim was denied on what I believe is a technicality. this is the second time that this type of thing occurred with this carrier. I will never use them again!!
Lisanna S. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Carol
Upon receiving your review, we assigned your claim to an "Anytime Advocate" who contacted your claims representative at Generali on the denial of coverage. An email with the denial was sent to you on April 12, 2018.
According to page 9 of your "Description of Coverage" (form G-110CS), your Travel Delay Coverage states that "If you are delayed on your Trip for 6 hours or more, we will reimburse you, up to the amount shown in the Schedule for reasonable additional expenses incurred by you for lodging Accommodations, meals, telephone calls, local transportation, and additional vehicle parking charges and additional pet kennel fees incurred due to the delay. We will not pay benefits for expenses incurred after travel becomes possible."
"Travel Delay must be caused by or result from:
a. delay of a Common Carrier; or
b. loss or theft of your passport(s), travel documents or money; or
c. Quarantine; or
d. hijacking; or
e. natural disaster or adverse weather; or
f. being directly involved in a documented traffic accident while you are en route to departure; or
g. unannounced strike; or
h. a civil disorder; or
i. Sickness or Injury of you or a Traveling Companion; or
j. death of a Traveling Companion."
Although your reasons for delaying your trip are understandable, those reasons are still not listed as "covered reasons" for reimbursement under Travel Delay, so your claim was correctly denied.
If you can provide other documentation confirming that your delay was actually due to a covered reason in the policy, we would be glad to re-visit the claim on your behalf.
We appreciate your taking the time to submit your review which will be
published as you submitted.May 08,2018
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
I had a major disaster happen in my life before the trip, and the company told me it was not covered, so the $1300+ I paid was wasted money. Needless to say, I would never recommend this insurance company!
Dennis G. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Carol
Thank you for your review. We are very, very sorry to hear that you were unable to receive reimbursement under this policy. However, you would not have had coverage under any of our Comprehensive plans unless you purchased the optional Cancel for Any Reason Coverage which you did not.
Although the number one covered reason for Trip Cancellation and Trip Interruption is the unforeseen illness or injury of you or a traveling companion that deems you unfit to travel by order of a licensed physician, there are still common exclusions that would preclude coverage for your particular situation.
If you do decide to purchase travel insurance in the future, we suggest that you call customer care at 800-487-4722 for assistance.Mar 08,2019
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
We are completely dissatisfied with the insurance policy purchased from IMG. Our trip did not happen and they denied our claim, even though the coverage included the reason for the cancellation. We have filed an appeal and IMG has been completely non-responsive (other than their auto replies). At this time, we feel we have no option other than proceeding with a complaint to the state insurance department regarding fraud as well as contacting an attorney. We would not recommend using IMG.
Jerry W. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
Kudos to you if you are reading reviews. Our family of four has exclusively used Travel Insured for our trips abroad for several years. They are fabulous when you do not have a claim as you are reading in other 5 star ratings. Therefore, all reviews where a claim was not made must absolutely be disregarded!
Not only was my medical claim supported by our licensed physical declined, it took EIGHT & A HALF MONTHS for the claim to even be processed. The ONLY time our claims analyst handled our paperwork was when we made an inquiry and when she phoned to inform us our claim has been denied. Our claim should have been processed before COVID was an issue. Our claim documents were completely submitted a full 8 weeks before WHO declared a global emergency and 15 weeks before COVID was declared a national emergency in the United States. Despite these facts, our claims analyst blamed the slow process on COVID. Additionally, it took over six weeks for Travel Insured to upload the third set of requested documents to their system and another eight weeks after that before finally rejecting our claim on grounds they could have indicated months ago. This company has kept our family in unnecessary limbo.
Read the fine print. Our claim was denied base on one minor requirement that didn’t even make sense in the context of the claim. There are other companies that provide better coverage and superior customer service. Unless you pay extra for the “Cancel For Any Reason” policy, you are probably wasting your money. Even with CFAR, there is fine print and you are only insured for 75% of your policy. Keep researching and don’t forget some credit cards offer as much coverage as travel insurance!
Not only was my medical claim supported by our licensed physical declined, it took EIGHT & A HALF MONTHS for the claim to even be processed. The ONLY time our claims analyst handled our paperwork was when we made an inquiry and when she phoned to inform us our claim has been denied. Our claim should have been processed before COVID was an issue. Our claim documents were completely submitted a full 8 weeks before WHO declared a global emergency and 15 weeks before COVID was declared a national emergency in the United States. Despite these facts, our claims analyst blamed the slow process on COVID. Additionally, it took over six weeks for Travel Insured to upload the third set of requested documents to their system and another eight weeks after that before finally rejecting our claim on grounds they could have indicated months ago. This company has kept our family in unnecessary limbo.
Read the fine print. Our claim was denied base on one minor requirement that didn’t even make sense in the context of the claim. There are other companies that provide better coverage and superior customer service. Unless you pay extra for the “Cancel For Any Reason” policy, you are probably wasting your money. Even with CFAR, there is fine print and you are only insured for 75% of your policy. Keep researching and don’t forget some credit cards offer as much coverage as travel insurance!
James P. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Megan
Thank you for your review.
For future travel insurance needs please do not hesitate to call InsureMyTrip at 800-487-4722. One of licensed representatives can assist in answering any questions, to run a quote, or even purchase a plan over the phone. We look forward to assisting you in the future.
All travelers that purchase a policy through InsureMyTrip have access to our Anytime Advocates® program. This unique program is designed to save our travelers time and money by contacting the travel insurance provider directly to smooth out any kinks in the claims process. The InsureMyTrip Anytime Advocates® will help any customer with:
Claims assistance
Receive expert advice on how to navigate the claims process and file a claim properly with your travel insurance provider.
Dispute resolution
Anytime Advocates® will check the status of a claim. If a claim is denied, an advocate will work on behalf of the customer to learn why or to help with the appeal process.Oct 06,2020
The trip included a
tour
AXA Assistance USA
Gold
I filed a claim after first discussing it with a phone representative who said what part of the policy she thought would cover it. My claim was denied in full saying that I wasn't entitled to reimbursement because the cost of my cruise was refunded but I did not request reimbursement for that!
Kay D. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
FlexiPAX
Called to file a claim for fracture tooth during trip, it was denied by insurer and was informed by insurer only will accept claim if it was taken care of in country of travel.
How is one supposed to find dentist /orthodentist in Antartica and rural Chile.
Suffered pain for over 6 days
Made a appt with dentist on day of return who had my records for over 20 years of regular cleaning every 6 months with no prior to history of dental problems .
How is one supposed to find dentist /orthodentist in Antartica and rural Chile.
Suffered pain for over 6 days
Made a appt with dentist on day of return who had my records for over 20 years of regular cleaning every 6 months with no prior to history of dental problems .
Ravindra T. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
International Medical Group
iTravelInsured LX
We have purchased many Trip Insurance policys over the years with "insure my trip" we will continue to do so. The problem came when I suddenly fell sick before our trip to Norway and was hospitalized with sepsis. We were with IMG, what a terrible situation they put us in, I wont go over the details but there were MANY, it took 43 days to pay out our policy, and I am sure it would not be paid now if it weren't for the ADVOCATE at INSURE MY TRIP, who did a fantastic job for us and single hand got us paid. In all fairness I guess I was told IMG was going thru some computer changes and that was part of the problem, but I could never talk to the same person working on my case anytime I asked for a supervisor they were not available, VERY POOR customer service. Thanks INSUREMYTRIP.com
Terry E. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Mike
Thank you for your feedback on the policy. We are sorry to learn that you were unable to travel. We are pleased to hear that your claim was paid. Thank you for allowing InsureMyTrip to advocate on your behalf. We look forward to assisting you in the future.Sep 23,2019
The trip included a
cruise
tour
AXA Assistance USA
Gold
I filed a claim and was told it would take 30 days. After 30 days I called to ask the status, and was told all agents were not available and that I would receive a call back in 1 hour. About 4 hours later I received a message that they had called. I called back the next day, and was told that they were working on it. The following day, I received 3 emails. The first was totally illiterate with more misspellings than correct. The second recalled the first, and the third was a repeat of the first. I again called in and was told my claim was incomplete. I was then told it would be escalated to management and that I would hear soon. I asked what that time frame was and was told a "minimum" of two days. I asked what the maximum was and was not given an answer. Amount of the claim is minimal, less than 4% of the total for trip interruption. All of the important things are not even covered, since there are "no receipts" such as frequent flyer mile loss, downgrading to coach from first class, etc. Since their was no outlay, there are no receipts and therefore not covered. Not at all satisfied, would never use them again, and will tell everyone I know.
Barry H. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Mike
Thank you for your feedback. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that you are dissatisfied with your claims experience. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy and with any travel insurance policy you would be required to provide proof of loss. Receipts and documentation are required to support a claim.
If you choose to appeal this denied claim with the supporting documentation, please feel free to contact our advocates team and we would be help to help facilitate that. We can be reached at 800-487-4722. Customer Advocates contact the insurance providers on the customers behalf in an effort to resolve claim issues.Apr 02,2018