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
AIG Travel
Travel Guard® Deluxe
AIG wouldn’t cover my claim because I had moved up our trip by two weeks and hadn’t updated the dates accordingly. I claim not fair! We still had the same cruise trip and airfare expenses. They used this technicality to avoid payment.
Randall S. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Angie
Thank you for leaving a review of AIG Travel. You mentioned in your review that you had made changes to your trip plans but did not update the policy to reflect these changes. The policy needs to have correct travel details in order for coverage to apply. In the event that your trip plans change, you need to contact our call center for assistance with updating the policy to reflect the correct trip information. This should be done immediately once changes are made. Our licensed agent call center can be reached at 888-459-4501.Dec 13,2023
Nationwide Mutual Insurance
Essential
I was robbed in Mexico by the police and my flight was delayed. Since the police were the perpetrators, I did not get a police report. After opening a claim, Nationwide took a week to respond asking for receipts/information about the trip delay but no mention of the coverage for loss of personal effects. I emailed them back asking if an exception could be made regarding the requirement for a police report for theft. No response nearly a week later. Terrible and nonexistent customer service. I ended up having to file a claim under my renter's insurance policy with Travelers Insurance (they handled the situation quickly and efficiently). Very dissatisfied with Nationwide and won't be using them again.
David C. would not
recommend this plan to a friend or relative.
6 of
7 people found this review helpful
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Megan B.
Dear Valued Customer,
Thank you for your feedback. We are sorry to learn of the setbacks of your trip.
Unfortunately, due to the on-going concerns pertaining to the pandemic, claims departments industry wide have been experiencing high call and email volume. This causes response time to be delayed longer than usual. However, we are glad to learn that your renter's insurance made you whole for your losses.
From an educational standpoint, it is important to point out that it is a Travel Insurance Industry standard to require baggage loss claims be substantiated by proper documentation. Additionally, the baggage loss coverage on your policy was secondary coverage, meaning that the claim would be paid after any other primary collectible. This may help explain why your renter's insurance was able to act swiftly in paying out your claim.
We have been in contact with the claims department regarding your concerns and they have notified us that they are still awaiting your claims form. If you would like to continue this process please call them at 888-490-7606.Nov 18,2021
Nationwide Mutual Insurance
Prime
Totally a rip off! I was told that I would not be covered if Mexico would shut down and I couldn't make my trip. I asked for my money back so I could purchase insurance with a company that would cover me and I was told No! I will never purchase anything with them again.
Michele J. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
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Megan B.
Dear Valued Customer,
We thank you for your feedback.
While you do have coverage if you are to contract Covid-19, any sort of government closures or shutdowns do require the Cancel For Any Reason protection. Cancel for Any Reason is a time sensitive benefit that must be purchased no later than 21 days from the first day you put any money down towards your trip. Additionally, the insurance policies are non-refundable after the policy review period. Your policy review period was 10 days following the purchase of the policy.
If you have any further questions or concerns, please do not hesitate to contact our team of representatives by phone at 800-487-4722 or by email at [email protected]Sep 30,2021
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
First of all, we had a group of 10 people on a plan.
Had bad weather in Wisconsin and our flight to Houston was cancelled. We were to join a cruise in Houston but because of the delay, we had to join in Cozumel and had to take a flight to get there and had a hotel stay. This should be a simple trip interruption claim from Nationwide, and this is what their agents told me. That was a month ago, submitted all of the information. they literally just asked for the same information again. I had submitted to another travel insurance company for someone and had their cash back to them in 2 weeks.
Based on my experience, you can fine better insurance,
Had bad weather in Wisconsin and our flight to Houston was cancelled. We were to join a cruise in Houston but because of the delay, we had to join in Cozumel and had to take a flight to get there and had a hotel stay. This should be a simple trip interruption claim from Nationwide, and this is what their agents told me. That was a month ago, submitted all of the information. they literally just asked for the same information again. I had submitted to another travel insurance company for someone and had their cash back to them in 2 weeks.
Based on my experience, you can fine better insurance,
Cole K. would not
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Essential
Our flight was cancelled for mechanical issues but the policy only covers 24 hour weather delay and strikes. Typical ridiculous fine print. I buy insurance to cover things beyond my control. Mechanical issues are a common reason for flight delay/cancelation that are beyond my control. To sell a policy that does not cover mechanical issues is simply a scam. I want my money back you con artists!
george j. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
AIG Travel
Travel Guard Gold
my granddaughter got food poisoning at an all inclusive. i was reimbursed for medical expenses, but our trip was interrupted for 3 days while we had to stay in our room due to her illness. She was unable to eat. This policy would not consider this a trip interruption because we left on the day we were scheduled to. But we lost 3 days of an all inclusive vacation.
lori d. would not
recommend this plan to a friend or relative.
-
Carol
Thank you for advising us on the status of your claim.
Although we are pleased you received reimbursement of your medical expense, we can certainly understand your frustration to hear that your Trip Interruption claim was denied. However, your Trip interruption claim was fairly denied because it did not meet the terms of your Travel Guard Gold plan which on page 7 of your certificate states:
Trip Interruption Benefits: The Company will reimburse the
Insured up to the Maximum Limit shown in the Schedule or
Declarations Page for Trips that are interrupted due to the Unforeseen events shown above for:
(a) Unused portion of nonrefundable, prepaid insured Trip Cost, and
(b) additional transportation expenses incurred by the Insured, either
(1) to the Return Destination; or
(2) from the place that the Insured left the Trip to the place that the Insured may rejoin the Trip; or
(c) additional transportation expenses incurred by the Insured to reach the original Trip Destination if the Insured is delayed and leaves after the Departure Date..."
InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents should you have any other questions. Please call us at 800-487-4722 as we would be happy to assist you.Apr 30,2019
The trip included a
cruise
Nationwide Mutual Insurance
Essential
If anyone thinks that "Nationwide is on your side", think again. I bought a travel insurance policy for a cruise in February. It was the Nationwide Mutual Insurance Company Essential plan. There were 5 of us on the policy. We traveled to Montreal International Airport in two cars from Plattsburgh N.Y. There was a terrible accident and one of our cars was caught behind the wreck. My family members helped comfort the victims at the accident scene until the ambulances arrived. They ended up missing the flight. They went back to Plattsburgh and caught a flight the following night to make the cruise. When we returned from the trip I called the company who handles the claims for Nationwide. I explained what happened and right from the start, the agent tried to talk his way out of paying any of the benefits. First he said that I would need a copy of the accident report. I told him that the accident was in Canada and that our party was not involved. After going back and forth with the agent over the phone, he agreed that the flight booked the next day to get to the ship was covered under the plan. I sent him all of the paper work he needed. About three weeks later, I received an e-mail stating that I would need an accident report or an article from a Canadian newspaper. I called and explained again the the accident was in another country and we had no idea where to get one. The agent said that he would try to "Google it" to see if he could find it. On March 24th, I received three $150.00 checks with the notation that the total flight cost exceeds the maximum benefit allowed for a trip delay per person. The policy clearly states that the cost of a flight to get to to the desired location is covered. I have a family member who is a lawyer and is going to assist me in filing a complaint with the New York State Department of Financial Services. He said the policy is ambiguous and misleading. The flight cost was a total of $920.00 for the three passengers. I will continue to provide updates when they happen. With all of the problems that everyone is facing right now, you would think that a company of this size would do the right thing. ATTENTION, I called Insuremytrip to see if their Anytime Advocates program could help me out. Their customer care representative stated that Nationwide is one company that they can not help me because of an agreement with them,.
Scott G. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
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Zac
Thank you for your feedback. We are sorry to learn of the difficulties you experienced during the trip.
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.Jul 29,2020
Nationwide Mutual Insurance
Essential
I always carry insurance for my trips and never had to use it until this trip. I had to take 2 different planes back home and the 1st one was delayed therefore I missed the 2nd one. I had to stay until the next day to get flight home. I called insurance to make a claim. They told me I have to file paperwork and get all receipts to submit to insurance. With everything that went wrong for me, I'm lucky I didn't lose my luggage. I was under the impression that the insurance grants you $150 per day up to 6 days for the trouble I went through. Next time I'll just keep my money and use it if needed.
Dolores D. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
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Carol
Thank you for your review. We did reach out to Nationwide who advised us that you did call to file a claim because you were delayed leaving Cancun so you missed your flight. Since you did not incur any loss, Nationwide advised you that there would be no reimbursement under Travel Delay. The 150 USD is not a flat payment but is meant to reimburse you for Covered Expenses including:
"(a) Any reasonable additional expenses incurred;
(b) An Economy Fare from the point where the You ended Your Covered Trip to a destination where You can catch up to the Covered Trip; or
(c) A one-way Economy Fare to return You to Your originally scheduled return destination."
Although you were disappointed in the Nationwide response, we hope that you will considering using them again in the future now that you understand reimbursement under Travel Delay coverage.Nov 19,2019-
DoloresD
I will save the money that I spend on travel insurance from now on and take my chances.?Nov 20,2019
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Trawick International
Safe Travels Voyager
Was unable to go due to daughter having Covid have called and emailed multiple times before trip and said they could move the money I paid to a new trip but I was out of my window to receive my refund.
Rebecca K. would not
recommend this plan to a friend or relative.
5 of
6 people found this review helpful
TravelSafe
Classic
I filed a claim to recover over $400 in airline ticket costs because the US State Dept issued a Travel Advisory warning for that portion of Mexico......I was denied and told that cartels bombing ferries in Cozumel isn't really Terrorism?????!!!!!!!!
What a ripoff!!! Never again do I buy travel insurance!
What a ripoff!!! Never again do I buy travel insurance!
Pamela G. would not
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
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Carol
Thank you for submitting your comments on your TravelSafe Classic plan. However, there are no travel insurance policies that will reimburse you if you cancel your trip due to a US State Department Advisory or Travel Warning.
In order for you to cancel your trip due to terrorism, the “Terrorist Incident†must be determined to be "an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting alone or in association with other persons on behalf of or in connection with any organization of foreign government which is generally recognized as having the intent to overthrow or influence the control of any other foreign government."
Although it is never pleasant to have your claim denied, please understand these policy terms are an industry standard and not limited to TravelSafe policies. InsuremyTrip makes all this information readily available for you to read prior to purchase on our website simply by clicking on "View Certificate" or by calling InsureMyTrip at (800) 487-4722.May 01,2018