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.
Trawick International
Safe Travels Voyager
Had a trip to Copenhagen Denmark about May, 2022, that was interrupted by an illness. Our losses were perfectly covered by the policy; no applicable exclusions. Filed a claim in July, 2022, following the written claim procedure to the letter, with documentation (which, by the way, requires submitting the claim through Nationwide...leading to the conclusion that Trawick is either a subsidiary or its claims are serviced by Nationwide). No response other than an automated response that they are "receiving a high volume of claims." Followed up again months later. Again, no response. Followed up more than a year after the original claim. Again, no response. My conclusion is that this insurance is essentially a scam. It has now been well over a year and it is obvious they have no intention of responding. They are forcing us to take legal action. It is unfortunate that companies like Trawick/Nationwide are more than willing to take your premium but disappear when it's time for them to honor a valid claim.
Brodie S. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Standard
We experience multiple flight delays, lost baggage and even missed our cruise embarkation.
The online process is very cumbersome and they ask for ridiculous information "like a copy of your homeowners" policy when "trying" to fill out a claim. The process is very difficult and there are tons of information outside of the basic information you'd assume they'd require for a claim. Unless you fill and download the entire form, it will not even let you submit any of it. I called and emailed Generali's customer service several times with no help. In fact, I was pretty much told my claim would probably be denied without even submitting it. Even though, we missed our ship and had to fly into a different port than embarkation with no luggage to catch the ship the second day. I really feel they make the process so difficult on purpose and offer little help or concern if you call a representative. I basically just gave up! even though I had much proof of the delays, lost luggage, car rental to port and missing the embarkation. Waste of money!!!
The online process is very cumbersome and they ask for ridiculous information "like a copy of your homeowners" policy when "trying" to fill out a claim. The process is very difficult and there are tons of information outside of the basic information you'd assume they'd require for a claim. Unless you fill and download the entire form, it will not even let you submit any of it. I called and emailed Generali's customer service several times with no help. In fact, I was pretty much told my claim would probably be denied without even submitting it. Even though, we missed our ship and had to fly into a different port than embarkation with no luggage to catch the ship the second day. I really feel they make the process so difficult on purpose and offer little help or concern if you call a representative. I basically just gave up! even though I had much proof of the delays, lost luggage, car rental to port and missing the embarkation. Waste of money!!!
Sherry H. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
Generali Global Assistance
Standard
My flight was delayed 10 hours on return. We finally departed at 3 a.m. We sat in the airport for 10 hours because we had baggage and it was too difficult to leave the airport and come back again. I am 78 years old and in poor health. CSA pays nothing for delay, only for additional expenses such as food, hotel, etc., We did not incur expenses, only the unexpected misery of a 10 hour delay.
Abigail S. would not
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
-
Zac
Thank you for your feedback on the policy. We are sorry to learn that your flight was delayed. The CSA Travel Protection Custom plan offers the following coverage Travel Delay:
If you are delayed on your Trip for 6 hours or more, CSA Travel Protection will reimburse you up to 150 USD per person, per day
for reasonable additional expenses incurred by you for
hotels, meals, telephone calls, and local transportation. Proof of these expenses must be provided with your claim.
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.
Travel insurance industry standard is to reimburse out of pocket expenses resulting from a covered peril. We understand that being delayed is an unpleasant experience, but travel insurance does not award benefits solely due to being inconvenienced.
Please call us at 800-487-4722 if you have any questions or concerns. Our licensed representatives are available 7 days a week to provide assistance and support.
Aug 26,2016 -
Deborah
Generali Global Assistance
Thank you for your feedback. We’re sorry to hear about your delay and about your negative experience at the airport. While we aim to always provide the best customer service experience possible, our plans are designed to provide coverage for financial losses you might incur while traveling and are generally unable to provide inconvenience payments of any kind. We highly encourage customers to review a sample Description of Coverage/Insurance Policy at the time of purchase in order to better understand their plan details. We also offer a free look back period with all of our plans to allow customers to cancel their policies within a designated period as long as they haven't already left on their trip or filed a claim. We hope you’ll consider updating your review. Please contact us at (800) 348-9505 if you have any additional questions or concerns about the plan you purchased.Aug 26,2016
The trip included a
cruise
Nationwide Mutual Insurance
Universal Cruise
Due to bathrooms failure on the plane we were taking to Copenhagen we had to turn around and return to IAD after a couple of hours flying. Because of this we had to cancel our non refundable hotel stay but we purchased travel insurance so we thought not a problem. The rep from Nationwide was very nice but told us we had no claim, so we’re not happy customers.
John W. 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 sorry to hear that your claim with Nationwide Mutual was denied under Trip Interruption which is the benefit that offers travelers reimbursement of their pre-paid, non-refundable expenses should they unexpectedly need to cut their travel short. However, reimbursement for your prepaid hotel expenses must be based on a covered reason as listed in your policy or your claim will be denied. Since bathroom failure on the plane did not fit into any of the listed events, your Trip Interruption claim was denied.
You were also not covered under Trip Delay because it would only reimburse you for (a) Any reasonable additional expenses incurred; or (b) A one-way Economy Fare to return You to Your originally scheduled return destination, but not for pre-paid non-refundable travel expenses.
Although we understand your disappointment, the Nationwide Universal Cruise plan is still a comprehensive travel insurance policy which provides a wide range of benefits. Regrettably none of our plans will cover every situation.
We certainly hope that you continue to consider a Nationwide plan for future trips. InsureMyTrip is open 7 days a week, 365 days a year, to speak with our customer care representatives who are able to recommend the most cost effective plans to cover your primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.Jun 28,2019-
JoanneW
Hi Carol- thanks for your your reply. Since our flight was cancelled because of mechanical problems and we missed a day of our trip which caused us to forfeit our prepaid hotel, why does this not qualify?Jun 29,2019
-
-
Carol
In order to be reimbursed under Trip Interruption for your prepaid hotel expenses, mechanical breakdown must be listed as a covered reason.
Here are the covered reason as listed in your policy:
"TRIP INTERRUPTION
The Company will pay a benefit, up to the maximum shown on the Confirmation of Coverage, if You are unable to continue on Your Covered Trip due to:
(a) Sickness, Accidental Injury or death of You, Traveling Companion or Family Member...:
(b) You or a Traveling Companion being hijacked, quarantined, required to serve on a jury, subpoenaed, the victim of felonious assault during the trip; or having his/her principal place of residence made uninhabitable by fire, flood or other natural disaster; or burglary of his/her principal place of residence during the trip;
(c) You or a Traveling Companion being directly involved in a traffic accident substantiated by a police report, while en route to departure;
(d) You or a Traveling Companion have a transfer of employment of two hundred fifty (250) miles or more;
(e) A Terrorist Incident that occurs in a city listed on Your Trip itinerary during the Trip...;
(f) The Insured, Traveling Companion or Family Member, who are military personnel, and are called to emergency duty for a natural disaster other than war;
(g) Bankruptcy and/or Default of the Insured’s Travel Supplier which occurs more than fourteen (14) days following the Insured’s Effective Date...;
(h) An Insured is terminated, or laid off from employment subject to three (3) years of continuous employment at the place of employment where terminated through no fault of Your own;
(i) Natural disaster at the site of Your destination that renders the destination accommodations uninhabitable;
(j) Strike that causes complete cessation of services for at least twenty-four (24) consecutive hours;
(k) Weather that causes complete cessation of services of the Common Carrier for at least twenty-four (24) consecutive hours and prevents the Insured from reaching his or her destination;
(l) You or a Traveling Companion being required to work during the Trip...;
Unfortunately, mechanical breakdown is not a covered reason so your claim was denied.Jul 02,2019-
JoanneW
Thanks for the info, Carol. Is this standard for all policies, including cruise policies or could we have purchased one that did not exclude mechanical failures.Jul 02,2019
-
-
Carol
Unfortunately, there really is no standardization of coverage especially with reference to mechanical breakdown. It would be best for you to call us for assistance when quoting and purchasing a policy.Jul 05,2019-
JoanneW
Thanks so much for taking the time to get back to me. I hope that people like me won’t assume coverage when there is none. As a p and c person for 30 years for a RI company I should probably know better but when you purchase a package called ‘cruise’, is it unreasonable to assume that it is comprehensive? I guess research is in order.Jul 08,2019
-
International Medical Group
Patriot International Visa
It did not include a baggage insurance.
Michelle F. would
recommend this plan to a friend or relative.
-
Michelle A
Thank you for your feedback on the policy.
Your policy does include Baggage Loss coverage. Receipts and documentation are required to support a claim. We encourage you to call the claims department to initiate a claim. The contact information for the claims department is:
Claims
(800) 628-4664
(317) 655-4500 (If overseas, call collect.)
If you wish to go over the benefits on your policy, please call us at 800-487-4722 and a representative can assist you.Jul 03,2019
The trip included a
cruise
tour
Generali Global Assistance
Premium
Your policy does not provide coverage for non-U.S. companions.
Donald A. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
-
Kyle
Thank you for providing your feedback on this plan.
Even though this policy cannot insure a traveler who does not reside in the US, it can provide protection if you need to cancel your trip due to your traveling companion's covered cancellation.
The CSA policy defines a traveling companion as "a person who, during the Trip, will accompany you in the same accommodations." This definition does not specify that your traveling companion must reside in the US for coverage to apply.
In the future, we recommend that you contact us with any specific questions or concerns. We can be reached at 1-800-487-4722 and our licensed representatives are available 7 days a week.Sep 13,2017 -
Deborah
Generali Global Assistance
Thank you for your feedback, we are always looking for ways to improve our products and enhance our offerings. We’re sorry that we didn’t meet your expectations. If you have any additional questions or concerns regarding your plan, please reach out to us at (800) 348-9505 or via email at [email protected].Sep 15,2017
The trip included a
tour
Generali Global Assistance
Custom
During my most recent vacation, my TSA lock was removed from my suitcase along with a very memorable ID identififw6on. This was likely by the TSA inspection team at the airport. When I decided to choose to file a complaint form for the removal of these items, I was told that I would have to first check back with my local home insurance company to determine whether they would cover the cost of this item. What puzzled me: was that I purposely took out travel insurance policy to cover such unexpected occurrences, but was quickly being directed to other insurance which was hoped would pay for any damages to this claim. As a travel insurance company, I believe that the first responsibility should be to the customers insurance company as the claim was directed to events occurring while travellng abroad, not in a condo thousands of miles away. It is,after all, something which has occurred in travel alone, & should be recognized as a travelling risk taken care of by travel insurance.
,
,
Lida P. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Global Alert!
Preferred
Have purchased insurance several years, but have never had medical issue for any claim, so difficult to determine if worthwhile, but always medical risks when travelling.
Mark J. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
TripAssure
Advantage Asset Plus
It seems as though whenever I do have to make a claim an item or incident is not covered by my policy. My phone was pickpocketed in Russia and of course as always, this "item" was not covered.
I take the insurance because I have an elderly parent who. I'm wondering, if in the event I would have to cancel a trip because of an illness, what are the chances that there would be some "reason" that my insurance would not cover this?
I take the insurance because I have an elderly parent who. I'm wondering, if in the event I would have to cancel a trip because of an illness, what are the chances that there would be some "reason" that my insurance would not cover this?
Brian R. would
recommend this plan to a friend or relative.
8 of
9 people found this review helpful
-
Debra
IMT
We are sorry to hear that you had a bad experience on your trip. The policy does exclude loss and theft of a phone. Next time you are planning a trip, please contact InsureMyTrip and one of our licensed agents would be happy to help you choose a plan that fits your concerns and travel needs.
1-800-487-4722
Hours (Eastern Time)
Monday-Friday 7:00am to Midnight
Saturday 9:00am to 6:00pm
Sunday 11:00am to 6:00pmOct 04,2011
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
Coverage was expensive compared to cost paid.
Angela C. would
recommend this plan to a friend or relative.
Generali is sorry to hear about the circumstances surrounding your experience, and for not meeting your expectations. The Generali Global Assistance goal is to provide a prompt and courteous claim experience to all their customers. Letting them know how they are doing is the best way to ensure the best possible service.
If there is something specific that you want to be sure is covered, feel free to ask about it before, during or after you purchase the policy. Their Free Look Period allows you to get a refund for your plan within 10 days from the time of purchase in most states. Please contact (800) 348-9505 or [email protected] if you have additional questions.