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
Nationwide Mutual Insurance
Essential
Flights were changed by the airline 2 months prior to trip and the times did not work for us so we cancelled our trip. Nationwide would not cover our claim for a cancelled trip (was only requesting the deposit). We booked another trip for the same week as the cancelled trip and after denying our claim they would not allow us to transfer the insurance we paid for to the rescheduled trip. So we were out the money from the original trip and we had to purchase a new insurance plan for the rescheduled trip. I contacted InsuremyTrip to see if they could do anything to help and they said I had to go through Nationwide. I contacted Nationwide and they said I had to go through InsuremyTrip. I would never use Nationwide or InsuremyTrip again.
Steven P. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Trawick International
Safe Travels Voyager
This plan uses a middle man to process claims. I can't get through the hoop jumping and defective web site to file a small claim. Theses idiots are wasting my time and seem motivated to block the legitimate claim.
Jack J. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
We had to cancel our trip because one of our travelers became pregnant, and albeit that was a non cancel-able reason per the contract, our trip location is one of the highest Zika virus potentials in the world and per her doctors orders not to chance the trip.
The coverage was denied.
We canceled our trip because of the Zika virus not because she was pregnant.
I think this is wrong!
The coverage was denied.
We canceled our trip because of the Zika virus not because she was pregnant.
I think this is wrong!
James N. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
tour
TripAssure
Advantage Asset
Do not not buy plan from Trip Mate. It provided no coverage when I needed it most. Purchase travelex, never an issue.
Valerie G. would not
recommend this plan to a friend or relative.
2 of
4 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector
I called to cancel our trip, do to the loss of my traveling companion's sister's home in Napa, Ca, during the recent fires. I was told that,
since this occurrence didn't effect either traveler's home, they would not honor a refund request. In searching for travel insurance, I
specifically looked for "cancel for any reason" insurance. Thank you for sending this request for a review; I will file it for reference
as to which insurance company to AVOID in my future travels. We lost ALL of our money, both airline and resort; we were not even
given a credit for future use for either.
since this occurrence didn't effect either traveler's home, they would not honor a refund request. In searching for travel insurance, I
specifically looked for "cancel for any reason" insurance. Thank you for sending this request for a review; I will file it for reference
as to which insurance company to AVOID in my future travels. We lost ALL of our money, both airline and resort; we were not even
given a credit for future use for either.
Cathy H. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Kellyn Uhelsky
C&F Travel Insured International
We’re sorry to hear about your travel companion’s sister’s home. Primary place of residence rendered uninhabitable is a covered reason for cancellation for you or your traveling companion, but not for a family member’s or your traveling companion’s family member’s residence. Additionally the plan that you purchased did not offer Cancel for Any Reason, and since that was a benefit that you were searching for we encourage you to contact us at 1-800-243-3174 prior to purchasing a plan so that we can answer your questions, address your concerns and help you find the plan best suited for you. We hope to assist you in the future.Nov 13,2017
Nationwide Mutual Insurance
Essential
I had a frustrating situation with this plan. I had purchased a plan to cover my airfare and hotel for a vacation. The hotel stay I had purchased was in the form of a certificate I had bought in a charity auction. I was going to the Bahamas with my best friends, but I wound up getting ill and being unable to make the trip. The airlines refunded me my money no problem, as it was due to illness. No need to file a claim for airfare. And to not have to bother the travel insurance company with a large claim for the hotel stay certificate, I gave it to my friends to use and they paid me back for it. The only caveat was that they needed the hard copy of the certificate to be able to check in, which means I needed to FedEx it overnight to the Bahamas at a cost of $52. So I did not need to file a claim for the airfare or hotel portion of my trip.
HOWEVER - I did ask if I could file a claim for the $52 that it cost me to FedEx the certificate for use. The insurance company, though, refused to cover this cost when I called and asked about filing a claim, which is perplexing, and quite honestly, horrible customer service.
By my contacting the airline directly, as well as making sure the hotel certificate went used by my friends, I SAVED the insurance company money on having to reimburse me for a nearly $1,000 claim due to not being able to take my trip. Rather than saying "Hey, we should approve this measly $52 claim for our customer - who incurred this cost as a result of illness that prevented him from traveling," they're looking past the fact that I did not submit a claim for the larger stuff.
The company is being penny-wise and dollar foolish, and, like most insurance companies - looks for every tiny loophole in policy not to pay their customers what they deserve. I would not recommend them to anyone.
When choosing an insurance company, you want one that has empathy for its customers - some "beside manner," that assumes positive intent and doesn't make them jump through hoops when issues arise. The company's telling me that submitting a $52 claim would be denied as the tangential cost of FedExing the certificate is not covered really gets my goat.
HOWEVER - I did ask if I could file a claim for the $52 that it cost me to FedEx the certificate for use. The insurance company, though, refused to cover this cost when I called and asked about filing a claim, which is perplexing, and quite honestly, horrible customer service.
By my contacting the airline directly, as well as making sure the hotel certificate went used by my friends, I SAVED the insurance company money on having to reimburse me for a nearly $1,000 claim due to not being able to take my trip. Rather than saying "Hey, we should approve this measly $52 claim for our customer - who incurred this cost as a result of illness that prevented him from traveling," they're looking past the fact that I did not submit a claim for the larger stuff.
The company is being penny-wise and dollar foolish, and, like most insurance companies - looks for every tiny loophole in policy not to pay their customers what they deserve. I would not recommend them to anyone.
When choosing an insurance company, you want one that has empathy for its customers - some "beside manner," that assumes positive intent and doesn't make them jump through hoops when issues arise. The company's telling me that submitting a $52 claim would be denied as the tangential cost of FedExing the certificate is not covered really gets my goat.
James V. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Zac
Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that you were unable to travel and are dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. In the future, please consider contacting the claims department immediately after suffering a loss to receive the claims procedure. Please call us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.Nov 03,2016
The trip included a
cruise
AIG Travel
Travel Guard Basic
Total waste of $150. Insurance covered nothing when I filed a claim. They said it was a pre-existing condition. The traveler was not sick when tickets were bought, but got a UTI after. will not use this company again.
Robert K. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
-
Carol
Thank you for providing your review. Many travelers believe that a preexisting condition indicates that the individual is actually "sick" with that condition prior to purchasing the policy. The preexisting condition exclusion simply tells you that there is no coverage for ANY medical condition, no matter how minor, if that medical condition is referenced in your medical records as receiving treatment or a recommendation for treatment within the look-back period. Treatment may mean a new prescription, a change in prescription or a diagnostic test, even if that test came out as "negative". It would also include symptoms that would have caused a prudent person to seek treatment.
We are sure that you will all agree that this is a very broad definition that would include most medical conditions. However, keep in mind that the look-back period under the Comprehensive plans is only from 60 to 180 days (depending on plan) prior to the policy's effective date, and that the waiver of that exclusion is available in most plans. Unfortunately the AIG Travel Guard Basic plan has no option to purchase the waiver and does have a 180 day look-back period. Nevertheless, you purchased this plan on 10/09/2015 which was within 7 days of your Initial Trip Payment so had you purchased the AIG Travel Guard Silver, Gold or even Platinum plan, you could have had coverage for that condition.
In the future, please give us a call at 800-487-4722 for competitive quotes so that we can review the coverage.Mar 22,2016
The trip included a
cruise
Generali Global Assistance
Standard
I would give zero stars if that was an option. We had insured our cruise and the flights to and from. The flight to the cruise was cancelled, and after over 2 months of back and forth, the insurance company declined our claim
Susan P. 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
Essential
My wife’s dentures broke while on the cruise and the policy did not cover this loss
Raymond K. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Mike
Thank you for your feedback on the policy. Unfortunately, this is a general exclusion with most plans.
Per your policy certificate, the following is a listed exclusion:
"12. artificial teeth and dental bridges;"
Please contact us at 800-487-4722 if you have any further questions or concerns.Jan 09,2020
AIG Travel
Travel Guard Basic
Bought the plan before our trip to the Bahamas. Had no clue there was a storm about to turn into a hurricane when I purchased it. Read the fine print and it says you have to purchase the plan before the hurricane is named and I guess that had happened the week before. Lost two days of vacation and this plan did not cover it.
Mark H. would not
recommend this plan to a friend or relative.
-
Kyle
Thank you for providing feedback on this plan.
We are sorry to learn that you had lost 2 days of your trip. For most policies, coverage would only apply if the reason you file a claim is considered unforeseen at the time of purchase. Once a storm or hurricane is known, coverage on a new policy would be reduced or no longer apply for a claim related.
We always recommend that you contact us directly at 1-800-487-4722 if you have any main concerns when insuring your trip. Our licensed representatives are available 7 days a week and can assist in finding you an appropriate policy for your travel needs.Sep 20,2017
Cancel for Any Reason coverage typically requires the following requirements (varies by plan):
1) Purchase within 10-30 days of your initial trip deposit
2) Insure 100% of your pre-paid, non-refundable trip cost
3) Cancel the trip 2 or more days prior to departure
While Cancel for Any Reason does give you the flexibility to cancel your trip due to an increased fear of Zika, it does not protect 100% of your trip cost. Depending upon the plan, Cancel for Any Reason benefit will reimburse 50%, 70%, or 75% of your insured trip cost.
Please call us at 800-487-4772 if you have any questions about insuring against Zika related events, or the Cancel For Any Reason benefit.