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
tour
Generali Global Assistance
Standard
My husband and I insured our tour to Macchu Picchu with CSA last March. We stayed overnight at an airport hotel in Lima so that we could leave for Cusco early the next morning. However, after a full day of waiting at the airport, the flight from Lima to Cusco was cancelled by Peru Airlines because of a problem that had occurred two days earlier in Cusco. Two other airlines were able to recover from the problem and make the flights within a day. As a result, we missed the first day of our tour and had to pay for an additional night at the Lima hotel. We filed a claim with CSA and were told that they would investigate with Peru Airlines about why the flight was cancelled. However, because Peru Airlines never responded, they refused our claim. Given how dysfunctional the airline was in meeting its obligations to travelers, I'm not at all surprised that they didn't respond to CSA. However, that doesn't justify CSA's failure to respond and to compensate us. We were repeatedly told that they were investigating, but we never did receive a final explanation--only auto-responses saying that someone would get back to us. No one did. Consequently, I'm disappointed to say that I would never use CSA again.
Susan J. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
Generali Global Assistance
Premium
Well, the plan should cover the rent car but Herz refused to accept this insurance... When I bought a plan I answer your questions - the destination. But in Herz they told me that they do not accept that insurance...
I am wondering if other items were covered. Good I did not need to use it...
I am wondering if other items were covered. Good I did not need to use it...
Alexander B. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
DeborahGenerali Global Assistance
Thank you for sharing your feedback. The plan you purchased includes Rental Car Damage coverage designed to provide primary coverage in the event your rental car is damaged during your trip due to collision or other causes listed in the Description of Coverage/Policy provided at purchase. We recommend customers contact their rental car company prior to departure to ensure our plan meets any specific requirements they may have. Our customer service representatives can email or fax coverage details to your rental car company, if requested. Please reach out to us at (800) 348-9505 or via email at [email protected] with any additional questions or concerns.Jan 10,2017
Travelex
Travel Basic
We were delayed in JFK for 5 hours on our flight from London. We had a flight to Fort Lauderdale that was delayed, and if it hadn't been for asking flight was, would never have known. Delta never posted a change. I will never insure again, because I only asked for $200 for the inconvenience of the whole thing.
We had to walk outside to another terminal in torrential rain, got soaked, because there was no other way to get to the change of terminal. JFK needs to find a better way, than get passengers soaked in freezing rain. We had a meal but I threw the receipt away, so so course the only paperwork I had was the boarding passes. I will never fly Delta again. It was a horrible flight from London, a delay at JFK and we got into Fort Lauderdale at 2.30am the following morning, without a stroller too.
We had to walk outside to another terminal in torrential rain, got soaked, because there was no other way to get to the change of terminal. JFK needs to find a better way, than get passengers soaked in freezing rain. We had a meal but I threw the receipt away, so so course the only paperwork I had was the boarding passes. I will never fly Delta again. It was a horrible flight from London, a delay at JFK and we got into Fort Lauderdale at 2.30am the following morning, without a stroller too.
Margaret Anne S. would not
recommend this plan to a friend or relative.
2 of
4 people found this review helpful
-
TIS Reviews
Travelex
Dear Margaret:
We want to thank you for taking the time to post your concerns, and we are sorry for your frustration.
The Travel Basic policy has a Trip Delay Benefit Amount up to 500. This benefit allows reimbursement, if there was a 5 hour or more delay, for “hotel accommodations, meals, telephone calls and local transportation while you are delayed.â€
I have personally contacted the Claim Administrator on your behalf and they have advised in order to consider reimbursement under the Trip Delay benefit they require proof of the delay, which you may obtain by contacting Delta, and documentation for your out-of-pocket expenses, such as a credit card statement or receipt.
In regard to arriving in Fort Lauderdale without a stroller, the Baggage and Personal Effects Benefit Amount on the Travel Basic plan is up to 500. This benefit provides reimbursement for lost or stolen items as described in the plan. In order to receive the Baggage and Personal Effects Benefit the Claims Administrator would need documentation showing that the stroller was lost or stolen, for instance, from the Airline or Police Department. They would also need a receipt for the original item or replaced item, to consider reimbursement under this benefit.
Please keep in mind that Insurance is highly regulated and in order to validate coverage, claim forms and documentation (including documentation from the airline on the reason for the delay and the lost stroller) are an important part of the claim process as it relates to the specific conditions as listed in the plan purchased.
We trust that you understand the Claim Administrator’s decision is based on the terms and conditions of the policy and the available information. If this information is incomplete or inaccurate, please feel free to submit any additional information to the Claims Administrator and they will gladly reevaluate your claim.Sep 27,2017
Travelex
Travel Basic
We had a pet emergency the night before we were to leave and had to postpone our trip for 3 days. It cost a lot to reschedule the flight and we lost the full amount of our first 3 night booking so the insurance, without coverage for pets, didn't help us at all.
Paul L. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
-
TIS Reviews
Travelex
Dear Paul;
We want to thank you for taking the time to put your concerns in writing, and we are sorry for your frustration.
The InsureMyTrip.com website allows you to compare the benefits, coverages, and exclusions of the insurance plans offered. The protection plan’s Description of Coverage is available on the InsureMyTrip.com website to view prior to purchasing. It was also emailed to you, along with the Confirmation of Coverage, at the time of purchase on May 8, 2017 at 2:38pm.
Please keep in mind, that the Travel Basic protection plan that was purchased is a Named Peril Policy meaning the policy outlines the coverage included and if the reason for trip cancellation or trip interruption is not listed, coverage does not apply. The 13 different reasons listed for Trip Cancellation and Trip Interruption can be found on pages 11 & 12 of the Description of Coverage. Unfortunately, pet emergencies are not an eligible reason for trip interruption benefits.
We empathize with your unfortunate situation; however, we trust that you understand that based on the terms and conditions of the protection plan purchased.
Kind RegardsSep 27,2017
The trip included a
cruise
Travelex
Travel Basic
As we all know, the primary goal of any insurance company is not to pay any claim. Therefore policy provisions can be configured to exclude issues which companies know may be more likely to occur. In our recent experience we had a delayed flght due to unavailability of a flight crew for on time departure. This delay caused us to miss our connection for a second flight to meet our cruise ship. This was a situation beyond our countrol
Our airline only had that one flight to the departure destination and their offer was to rebook us for a flight the next day, after the ship had left port. With some research we found another airline that could get us there for the second leg of our planned flight itinerary. We got those tickets and were able to make the ship departure on time.
Our travel insurance refused to accept a claim as any flight delay due to to any reason other than airline personnel strike, weather or mechanical problems was excluded. The crew unavailability caused delay was excluded. If the pilot had dropped dead on the jetway and the flight was cancelled, that too would be excluded. If the airport had been closed due to terrorist threat and flights cancelled, that too would have excluded. Insurance companies know this and therefore construct their polices so that only the very less likely issues would be covered. So, will I use this insurance or recommend this company to others. Definetely not.
Our airline only had that one flight to the departure destination and their offer was to rebook us for a flight the next day, after the ship had left port. With some research we found another airline that could get us there for the second leg of our planned flight itinerary. We got those tickets and were able to make the ship departure on time.
Our travel insurance refused to accept a claim as any flight delay due to to any reason other than airline personnel strike, weather or mechanical problems was excluded. The crew unavailability caused delay was excluded. If the pilot had dropped dead on the jetway and the flight was cancelled, that too would be excluded. If the airport had been closed due to terrorist threat and flights cancelled, that too would have excluded. Insurance companies know this and therefore construct their polices so that only the very less likely issues would be covered. So, will I use this insurance or recommend this company to others. Definetely not.
Mitchell J. would not
recommend this plan to a friend or relative.
7 of
8 people found this review helpful
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TIS Reviews
Travelex
Thank you for reaching out to us on InsureMyTrip.com (IMT) regarding your claim situation. Although you wrote this review on March 10, 2017, IMT just recently posted your review on March 31, 2017; therefore this caused a slight delay in our response time.
We are sorry to hear of your frustration. I have contacted the Claims Administrator on your behalf and have been advised that, to date, the completed claim forms have not been received by our claims department. Insurance is highly regulated and in order to confirm coverage, completed claim forms and documentation are an important part of the claim process, in order to validate coverage, as it relates to the specific conditions, as listed in the plan purchased.
The protection plan purchased is a Named Peril Policy meaning the policy outlines the coverage included and if the reason for trip cancellation or trip interruption is not listed, coverage does not apply. The Travel Basic policy you purchased offers 13 different reasons to cancel or interrupt your trip, please see the Description of Coverage for a list of covered reasons on pages 11 & 12. The Description of Coverage that was emailed to you on November 9, 2016 at 9:32am, when the policy was purchased.
In addition, the Claim Administrator has also advised that you were reimbursed by Spirit Airlines for your original airline tickets, but you are seeking reimbursement for the additional airfare. We empathize with your situation, unfortunately, crew rest (or unavailability of a flight crew) is not listed as one of the covered reasons. Having said this, I recommend you email Spirit Airlines for a detailed explanation regarding the reason for the flight delay, Crew Rest. Was the Crew Rest required because of an incoming flight that was delayed due to a weather or mechanical issue?
If this information is incomplete or inaccurate, we require completed claim forms and supporting documentation in order to properly assess the claim and determine liability.
Travelex makes every effort to review all concerns from our clients and we hope this provides clarification on the plan benefits and claims process.
Kind Regards,
Travelex Insurance Services, Inc.
Administration, Risk and Compliance Project Manager
Please note: All terms, conditions, exclusions and provisions of the plan apply. All benefits will be determined at the time a claim may occur based on the information and documentation submitted.Mar 31,2017
Travelex
Travel Basic
complete waste of $$
Did not take the trip, tried to cancel as soon as I cancelled the trip...but was told this isn't possible
Did not take the trip, tried to cancel as soon as I cancelled the trip...but was told this isn't possible
Stephanie R. would not
recommend this plan to a friend or relative.
-
Erin
We appreciate your feedback. Travelex has offered the following response:
"Thank you for taking the time to post about your situation.
We understand the experience surrounding your situation did not meet your expectations. We do empathize with you and your family and understand that the coronavirus has caused a significant disruption on our society.
Please reach out to us at [email protected] as we would like to go over your Date Transfer options, which will allow you to reuse your policy for a future trip.
We appreciate your patience and regret that we were unable to provide a more favorable outcome."May 01,2020
Travelex
Travel Basic
We booked a trip Feb. 12, 2020 and purchased insurance Feb. 14, 2020. Due to the corona virus we canceled the trip. We called Travelex to make a claim.. The Travelex agent told us the corona virus was NOT a covered reason for trip cancellation, so they would not make any payment.
Frederick A. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Erin
We appreciate you providing your feedback. Travelex has offered the following response:
"Thank you for taking the time to post about your situation.
We understand the experience surrounding your situation did not meet your expectations. We do empathize with you and your family and understand that the coronavirus has caused a significant disruption on our society.
We will be reaching out to you personally to go over options for a Date Transfer, which will allow you to reuse your policy for a future trip.
We appreciate your patience during this time and look forward to hearing back from you."May 11,2020
AIG Travel
Travel Guard Basic
I was in Europe as hurricane Irma was approaching Ft. Myers/FL where I live. My intention was to return home to secure our home. AIG agent informed me that the policy would cover my extra costs for the new flight only when I cancelled my original flight AFTER MY HOME BECAME UNINHABITABLE. This is a non sense policy as I wanted to return home to save our home.
Zdenek F. 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. We are sorry to learn that this policy did not meet your needs. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. In the future, please consider contacting us prior to purchasing a policy so that we can go over the covered events with you. You can reach us at 800-487-4722 if you have any questions or concerns. We would be happy to assist you.Oct 03,2017
The trip included a
cruise
AIG Travel
Travel Guard Basic
I thought I bought trip insurance to cover any unexpected occurrences but I found out the hard way that it didn't cover squat. I've told my friends "what ever you do, don't buy AIG insurance.
John H. would not
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
-
Carol
We regret to hear that you were disappointed when you filed a claim with AIG Travel Guard. However, there are no travel insurance plans that would "cover any unexpected occurrences". Both Trip Cancellation and Trip Interruption would reimburse you only for covered expenses that are specifically listed in the policy. Although the number one covered reason in most Comprehensive plans is the unexpected sickness, injury or death of you, a traveling companion or family member, there are other covered reasons that may vary from plan to plan. The list of covered reasons may be reviewed in all plans prior to purchase by clicking on the dollar amount of coverage under Trip Cancelation in your quote.
In the future, you may wish to call us at (800) 487-4722 for assistance in quoting and purchasing a policy.Oct 01,2018
AIG Travel
Travel Guard MedEvac Plan
This travel insurance coverage is a complete farce. When I needed help during my trip, the AIG reps who I spoke with were rude and unhelpful. I was in the middle of a national forest injured and they were just completely oblivious to my needs. I would never purchase this again or recommend it to anyone. Waste of my time and money.
Shannon F. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
-
North East Team
AIG Travel
Thank you for expressing your concerns. We have attempted to reach out to you as we would like the opportunity to further discuss your case. Please contact us 800-826-1300 at your convenience.Jun 28,2017