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Customers who have visited the Netherlands rated our travel insurance plans

4.54 out of 5

1,220

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Cruise

Filed claim

By William L.

on Nov 14, 2019

for a trip to the Netherlands.

The trip included a

cruise

Nationwide Mutual Insurance Essential

Purchased this plan and fell ill the day before departure and was not able to travel. Completed and submitted all claim forms including a memo describing the fact that the cruise line would not provide a written cancellation confirmation. I was able to sell my reservation to someone else at the last minute (at a huge discount) and reduce the insurer's loss.
Trip cancellation coverage purchased was $4,200.00. My loss was $3,516.12. Nationwide paid a measly $517.20 !!!

William L. would not recommend this plan to a friend or relative.

3 of 4 people found this review helpful

Coverage

Value

Satisfaction

Claims

Note: This review is for an earlier version of the plan.

Empty Comment

By John S.

on Oct 16, 2020

for a trip to the Netherlands.

C&F Travel Insured International Worldwide Trip Protector

I bought two separate policies (as required since we don't live in the same household) for my almost 80-year-old father and I to travel to the Netherlands in April 2020. The airline cancelled our flights (non-refundable tickets) because of COVID (clearly stated in our email). I filed a claim for one policy on April 5, 2020 with all relevant documentation. I started getting reminders to submit relevant documentation several weeks later although I had already submitted all of the required documentation. I submitted the second claim for my father in May 2020 because it was clear nothing was happening quickly (understandable certainly). Several months later, I started calling on a monthly basis because of hearing nothing from the company. They assured me first the files were complete and then that they had been consolidated and assigned to a claims person. I gave up calling after the last person I spoke to said that calling every month was fine but wouldn't make anything happen any faster. I received a letter about my policy today 10/16/20 (almost six and a half months later) informing me that non-refundable airfare was apparently not covered under the policy. I reread the policy and agree that this is apparently true. Why one would offer insurance for travel but not cover airfare is admittedly a "shame on me" thing for not noticing that the one and ONLY thing we needed it for wasn't included (literally the tickets were the sum total of the value of the trip for which we requested insurance--everything else was refundable or could be cancelled). I understand the technicality of the decision; that it took five and a half months (without any clear information from the company) is appalling, especially now since I have to try and find other recourse to recoup thousands of dollars some other way. I certainly would never buy from this company again and would urge other users to read carefully in case they assume that their airfare is in fact included in the policy if your airline cancels your trip. In our case, it was "your Travel supplier cancelling your trip is not a listed covered reason; therefore, benefits are not payable." So, lesson learned, but I wish I hadn't been able to buy coverage for something which literally couldn't be refunded according to the terms of the policy.

John S. would not recommend this plan to a friend or relative.

6 of 6 people found this review helpful

Coverage

Value

Satisfaction

Claims

Note: This review is for an earlier version of the plan.

Megan

We thank you for your feedback.

Please see the response from C&F Travel Insured regarding your review:

"We thank you for your feedback and apologize for the frustrations you’ve experienced during your experience with our company. Our relationship with our customers is very important to us. If you’d like to discuss your situation further please contact us at [email protected]. We appreciate your patience."

Nov 05,2020
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By Kevin F.

on Mar 19, 2019

for a trip to the Netherlands.

Nationwide Mutual Insurance Essential

Very poor! I was in need of help and the reps I contacted were rude and unhelpful!

Kevin F. would not recommend this plan to a friend or relative.

1 of 1 people found this review helpful

Coverage

Value

Satisfaction

Claims not filed

Note: This review is for an earlier version of the plan.

Carol

We are sorry to hear that you were unhappy with your customer service. We have forwarded your review to Nationwide who is looking into the phone and email records to address failure to provide the appropriate assistance from the Nationwide team.

It is always unfortunate to hear that a customer has lost confidence with one of our programs. Perhaps you will give Nationwide and InsureMyTrip a second chance when planning your next trip.

Please call us at 800-487-4722, if you have any questions or concerns.

Mar 26,2019
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By Anna Marie F.

on Oct 23, 2019

for a trip to the Netherlands.

The trip included a

cruise

tour

Generali Global Assistance Standard

We bought travel insurance from Generali Global Assistance. About a month later I had mild back pain. I saw my doctor, he gave me some muscle relaxants and said I'd be fine and I specifically asked him if it was okay to go on my trip. He said yes.

While on my trip I suddenly experienced excruciating back pain. I saw the ship's doctor, got pain medication, rented a wheelchair, and my total medical bills during the trip were $1263.29.

I filed a claim with Generali. I included all of the receipts and documentation they asked for.

They denied my claim, based on the fact that the ship's doctor had written in my exam notes that my doctor at home had seen me for mild back pain before the trip.

Generali decided it was a pre-existing condition. I had MILD pain before I left on the trip. During the trip I developed a herniated disk (and have since had surgery for it.) The injury occurred DURING THE TRIP.

Generali didn't care. I asked if I could send them a letter from my doctor stating that he had told me I was fine and could go on my trip. Generali said it wouldn't matter, it was a pre-existing condition.

I asked if I could appeal the claim, I was told NO.

I asked them what would have happened if I had cancelled my trip because I developed mild back pain. They said I would not have been refunded my money because the medical issue was pre-existing, and the policy only covered medical issues that happened while on the trip.

Keep in mind, I had NO back pain at all and had not seen my doctor when I made the trip plans and purchased the insurance. Quite the Catch 22!

And if had a herniated disk BEFORE I went on the trip, I wouldn't have been able to walk. The herniated disk happened DURING the trip, and I was unable to walk.

But because I had been honest when speaking to the ship's doctor and told him I'd seen my doctor at home for mild back pain before the trip, and my doctor gave me some muscle relaxants and said I was fine, Generali still decided it was pre-existing. My home doctor specifically told me I was fine to go on the trip!

They had no appeal process, nor would they accept a letter from my doctor stating this was not pre-existing.

I DO NOT recommend Generali Global Assistance. They are a scam.

Anna Marie F. would not recommend this plan to a friend or relative.

8 of 8 people found this review helpful

Coverage

Value

Satisfaction

Claims

Note: This review is for an earlier version of the plan.

Mike

Thank you for your feedback on your policy. We have sent your comments to your provider and they have replied with the following:

"We're sorry to hear about the circumstances surrounding your claim, and for not meeting your expectations. We want our customers to understand the coverage details of our plans and stress the importance of reviewing these details via the sample Description of Coverage/Insurance Policy that’s provided at the time of purchase, and contacting (800) 348-9505 or [email protected] with additional questions. The plan you purchased includes medical coverage resulting from a sickness that first manifests itself or an injury that occurs while on a trip as outlined on your coverage details. If you have further questions, please contact us at the phone number or email above."

Oct 25,2019
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By Gregory P.

on May 19, 2019

for a trip to the Netherlands.

The trip included a

cruise

tour

Nationwide Mutual Insurance Essential

PLEASE BE AWARE. If you need to cancel your trip for an uncovered reason, no matter how far in advance you cancel, the policy, though unused, is completely nonrefundable. We paid over $500 for insurance and had to cancel our trip (for an uncovered reason) 5 months in advance and yet when we contacted customer service were informed no refund of any kind would be considered and the credit policy was worthless because we booked so far in advance. The policy has to be re-used for another trip within a year of the PURCHASE date. Because we booked so far in advance (10 months) there was no way for us to re-use this policy. We should at least be able to re-use this policy within one year of the trip date. Very disappointed. Even the airlines provided a partial refund of our non-refundable tickets (not expected but very much appreciated). Perhaps other company's have a more customer service friendly policy. We will be reading the fine print more closely and purchasing travel insurance closer to our trip date.

Gregory P. would not recommend this plan to a friend or relative.

4 of 4 people found this review helpful

Coverage

Value

Satisfaction

Claims not filed

Note: This review is for an earlier version of the plan.

Carol

Thank you for your review.

When you purchased your Essential policy, Nationwide Mutual did include a 10 Day Review Period:

"All premium is non-refundable after a 10 day review period. In the event the premium paid for coverage is less than the required premium for coverage, benefits will be paid in direct proportion of the actual amount paid to the required premium due."

Since you canceled your trip for an uncovered reason back on 01/10/2019, you were well outside the 10 day review period so there would be no refund of your premium.

However, as we advised you back on 01/10/2019, you could have used this policy for another trip as long and the new trip occurred prior to 08/10/2019 since Nationwide policies require that your departure date must be within 365 days of your original policy purchase date of 08/15/2018.

Please call us at 800-487-4722 if you did schedule a new trip so that we can discuss changing the travel dates on this policy.

May 31,2019
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- GregoryP
  
  Yes your policy was explained when I called. Our trip was scheduled for June 2018 but the policy had to be used by Aug 2018 our purchase date. We're unable to rebook within that timeframe so the credit is wortless. Had we had a year from the trip date (June 2018) it would have value. Hopefully others can benefit from our experience.
  
  Jun 01,2019
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By sandra m.

on Sep 27, 2012

for a trip to Netherlands.

WorldTrips Atlas International

I am very disappointed,I wanted to extend my policy ,have called the customer service 4 times from Egypt,used online chats and have sent many many e-mails emphasizing that i need my policy extended and that I give permission to use my credit card and that I need to print the policy before I travel and they extended my policy after I have reached Amsterdam !!! I had to buy a new policy that cost me 60 $ !! I really can't believe that especially that policy extension takes 2 minutes but it doesn't work from Egypt that's why I needed the customer service help!!!

sandra m. would not recommend this plan to a friend or relative.

7 of 7 people found this review helpful

Coverage

Value

Satisfaction

Claims not filed

Note: This review is for an earlier version of the plan.

Debra

IMT

We are sorry you had some troubles extending this policy. The provider notified us on 9/10/12 that this was completed.

Oct 03,2012
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By Dodie K.

on Jul 09, 2020

for a trip to the Netherlands.

John Hancock Bronze

My trip was cancelled due to COVID-19 and I lost money on some VRBO places. This company took 3 months to work my claim before denying it. They said COVID-19 wasn't a natural disaster. Worst company ever. Won't ever do business with this insurance company again. Avoid this company. I will file a complaint with the California Department of Insurance.

Dodie K. would not recommend this plan to a friend or relative.

5 of 6 people found this review helpful

Coverage

Value

Satisfaction

Claims

Note: This review is for an earlier version of the plan.

Empty Comment

By Suellen E.

on Aug 12, 2016

for a trip to Netherlands.

The trip included a

cruise

AIG Travel Travel Guard Basic

What was considered a legitimate claim for inability to make the trip was denied.

Suellen E. would not recommend this plan to a friend or relative.

5 of 5 people found this review helpful

Coverage

Value

Satisfaction

Claims

Note: This review is for a plan that is no longer available.

Zac

Thank you for your feedback on the policy. AIG Travel has issued the following reply:

"When reading the description of coverage of the policy purchased, the reason that was claimed is a general exclusion. We are sorry that this response is not more favorable towards you. If you have any questions or concerns, we are here 24/7 at 1.800.826.1300."

Sep 01,2016
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By Gwendolyn S.

on Nov 15, 2021

for a trip to the Netherlands.

The trip included a

cruise

tour

Trawick International Safe Travels Voyager

We filed a claim Oct 7 and have received no further communication . Very dissatisfied

Gwendolyn S. would not recommend this plan to a friend or relative.

9 of 9 people found this review helpful

Coverage

Value

Satisfaction

Claims

Note: This review is for an earlier version of the plan.

Megan B.

Dear Valued Customer,

We thank you for your feedback. Please see the response provided by Trawick International below:

"Thank you for your review. We are sorry to hear that your experience with us has been frustrating. It looks like additional information is needed for the claim, and a request for that information was sent on November 18. Once that information is provided, we should be able to proceed with the claim. We apologize for our delayed response to your claim submission and will use your feedback to do better going forward. We hope you will give Trawick International another chance the next time you book a trip."

Dec 02,2021
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By James M.

on Aug 04, 2023

for a trip to the Netherlands.

The trip included a

tour

WorldTrips Atlas Journey Economy

My wife and I both got sick while in the Netherlands and thought we'd have to cancel a bike tour. I contacted WorldTrips and found that I needed a note from a doctor. OK, reasonable. They said they'd provide a referral. A day later, they finally contacted me with a number that can't be dialed from a US phone. After some work I found a local number for the same office but they only provide emergency service (major bleeding, a bone sticking out of you, etc.). They referred my to someone else but, in the Netherlands, you cannot see a doctor without having pre-registered with a doctor - a process that takes weeks. The hospital emergency department only takes "real emergencies" like heart attack, major trauma, stroke. For anything else you have to see that doctor that you can't see. A very few cities have a "hotel doctor" but not the major city we were in. At one point I did manage to actually talk to a doctor's office and they confirmed that it's just not possible to see a doctor without a referral from your assigned physician and that can take weeks if you don't have an assigned "gatekeeper" physician. Hotel staff and local friends confirmed that the Dutch medical system is screwed up for both citizens and visitors.

This policy is useless since it has requirement for you to do something that can't be done. Also, their medical referral service is slow and gives inaccurate information - useless.

Next trip I'll save my money and take my chances.

James M. would not recommend this plan to a friend or relative.

Coverage

Value

Satisfaction

Claims

Note: This review is for a plan that is no longer available.

Empty Comment

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