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.
C&F Travel Insured International
Worldwide Trip Protector Lite
Returned from Scotland to Canada..no bag. Filed "delayed" baggage form. Stayed over night in Toronto, returning to Florida the following morning, without baggage. Home 3 days when desperate for hair dryer, hair curling iron & cell fone charger. Unfortunately, I am a senior widow and live alone. Did not ask for x amount of daily dollars, I requested reimbursement in the amount of $115.00 for the items I truly needed. No deal, I was home and delayed baggage did not apply sez the CF customer rep. No further comment on what I really think.
GAIL B. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
tour
John Hancock
Silver
Missed a trip in Sept due to flooded home after hurricane Harvey, Filed a claim for myself and traveling companion, He received a phone call about the claim and a prompt repayment check. I have yet to hear from John Hancock or Seven Corners the entity that handles claims. I have sent 2 e mails to 7 Corners and 1 to John Hancock without a reply from either.
I cannot find a customer service number to call either company, all the numbers listed are for emergency care with stern warnings not to bother them with other things, HELP, HELP PLEASE!!!!!!! Insure my trip responded promptly and John Hancock sent a check for the full amount. Thanks to customer care at INSUREMYTRIP
I cannot find a customer service number to call either company, all the numbers listed are for emergency care with stern warnings not to bother them with other things, HELP, HELP PLEASE!!!!!!! Insure my trip responded promptly and John Hancock sent a check for the full amount. Thanks to customer care at INSUREMYTRIP
merlene m. would not
recommend this plan to a friend or relative.
-
Kyle
Thank you for providing feedback on this policy.
We are happy to hear that you allowed an InsureMyTrip Anytime Advocate to assist you during your claim. We are also glad to hear that your claim has been resolved and paid!
We hope to assist you in the future for all of your travel insurance needs. We are available 7 days a week and can be reached at 1-800-487-4722.Nov 29,2017
Generali Global Assistance
Standard
I bought this insurance in case I was not allowed into Canada, when I talked to the sales person they, told me that if I wanted to cancel for any reason I had to cancel two days before departure... that, in no way would help me if I was not allowed into Canada....... so it really isn't a cancel for any reason policy.
William B. would
recommend this plan to a friend or relative.
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Carol
Thank you for your review.
This Generali Standard plan does not include Cancel for Any Reason. Although there were many plans that offered that option, you were not eligible since you purchased the policy more than 21 days after your initial trip payment.
Cancel for Any Reason truly allows you to cancel your trip for any reason that is not covered by the policy. However, there are 3 conditions that must be met to purchase a Cancel For Any Reason Rider:
Purchase the policy within 14-21 days of your Initial Trip Payment; Insure ALL prepaid and non-refundable travel expenses prior to departure; and Cancel your trip more than 48 hours or 2 days prior to departure date.Sep 11,2018
The trip included a
tour
AIG Travel
Travel Guard Basic
We almost had to cancel this trip due to a sick relative. If we had, it would not have been covered by the Basic Plan and the $800+ that we spent on the insurance would have been wasted, along with the over $12K price of the trip being lost. The trip was great, only a minor hiccup on a return flight being cancelled, but we handled that ourselves. If you are not going to purchase the "cancel for any reason" coverage, then I suggest saving your money and doing without the Basic plan.
Andrew O. 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 very much for your reply.
We are glad to hear that you were able to enjoy your trip and hope that your family member is fully recovered.
Apparently you did not call or file a claim with AIG Travel Guard. The number one and two covered reasons to cancel a trip under Trip Cancellation are:
"(1) Sickness or Injury of an Insured, Traveling Companion or Family Member traveling with the Insured must be so disabling as to reasonably cause a Trip to be canceled or interrupted or which results in medically imposed restrictions as certified by a Physician at the time of Loss preventing continued participation in the Trip;
(2) Sickness or Injury of a Family Member not traveling with the Insured must be because their condition is life threatening as certified by a Physician, or they require the Insured’s immediate care. Such disability must be so disabling as to reasonably cause a Trip to be canceled or interrupted and must be certified by a Physician..."
Although we cannot predetermine a claim, you may have been covered under this policy subject to the plan's terms and conditions.
In the future, you may wish to call the insurance provider's claim number to inquire on coverage.Jun 29,2018
The trip included a
tour
Global Alert!
Preferred
I thought the plan was ok but hated to pay such a fee because of my age*^) I am in excellent shape for my years and have very few medical issues..
Harriet S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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Kyle
Thank you for providing feedback on this policy.
All of our providers base policy premiums off of three main factors. These include the total cost of your non-refundable trip, the ages of all travelers listed on the policy and the length of your trip. As a comparison site, we are here to assist you in finding the least expensive options for the coverage you are looking for.
Please feel free to contact us when looking for a policy. We can be reached at 1-800-487-4722 and our licensed representatives are available 7 days a week.Sep 15,2017
The trip included a
cruise
InsureandGo
Global Platinum
When I called for medical assistance, the rep was slow and confused. She kept asking me for the same information. I ended up asking my hotel manager for help. He drove me to a nearby clinic he knew about. I don't understand why the rep could not have recommended the same. I'm just glad it was a relatively minor medical issue.
Sara L. would not
recommend this plan to a friend or relative.
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Zac
Thank you for your feedback on the policy. We are sorry to learn that you required medical assistance during the trip.
If you incurred out of pocket medical expenses during the trip, the claims department for InsureandGo can be reached at:
888-491-4577
Monday to Friday: 9 am to 5 pm
Email: [email protected]
Jul 09,2016
AIG Travel
Travel Guard Basic
Because of the total cost of my trip I felt this insurance was necessary but, unless YOU are actually paying out a 'lot' of claims, I felt the policy was way over priced!
Dale P. would
recommend this plan to a friend or relative.
WorldTrips
Atlas International
My unhappiness is due to the fact that I was only reimbursed for 80% of the total cost of my wife's medical care (I am sure this is stated in the fine print somewhere, but I didn't see it) and it took over a month and a half to receive a response from HCC.
I am not poor and could easily have covered the entire cost of my wife's medical care out-of-pocket. What really annoys me is that I purchased this insurance from you to protect myself against a catastrophic (but extremely unlikely) medical expense, but I now know that due to the 80% rule, I would have been out-of-pocket for $5000, $10,000 or even $20,000, which I definitely could not have afforded.
On a happier note, I called HCC customer service before taking my wife to the doctor, and the person I spoke to was courteous, efficient and knowledgeable.
I am not poor and could easily have covered the entire cost of my wife's medical care out-of-pocket. What really annoys me is that I purchased this insurance from you to protect myself against a catastrophic (but extremely unlikely) medical expense, but I now know that due to the 80% rule, I would have been out-of-pocket for $5000, $10,000 or even $20,000, which I definitely could not have afforded.
On a happier note, I called HCC customer service before taking my wife to the doctor, and the person I spoke to was courteous, efficient and knowledgeable.
RALPH D. would
recommend this plan to a friend or relative.
35 of
37 people found this review helpful
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Debra
IMT
It does state in the policy how covered claims are paid, please see below. We are happy all went well.
For the Certificate Period, Underwriters will pay 80% of the next $5,000 of Eligible Expenses after the Deductible, then 100% to the Overall Maximum Limit. Coinsurance will be waived if expenses are incurred within the PPO and expenses are submitted to Underwriters for review and payment directly to the provider.Jul 23,2012
The trip included a
cruise
TravelSafe
Classic Plus
TravelSafe uses TripMate to process its claims and TripMate is an incredibly frustrating company to work with. They communicate poorly and do not use email. Your claim status on their website is vague; you must call them to get additional information. I faxed the same claim to them 4 times; each time they asked for information I had already sent. It is difficult to get through on their phone lines and if you leave a message, it will likely not be returned. It took over 4 months to get fully reimbursed, which is ridiculous. I suggest finding insurance elsewhere unless you are endlessly patient.
Susie S. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
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Zac
Thank you for your feedback on the policy. In the future, if you experience an issue with a claim, please request a Customer Advocate. InsureMyTrip Customer Advocates make a concerted effort to facilitate communication between the customer and insurance provider, and expedite the claims process. To request a Customer Advocate, you may call us at 800-487-4722 or email us at [email protected].Nov 14,2016
The trip included a
cruise
Seven Corners
Roundtrip Choice
I purchased coverage for two different trips at the same time. I will never choose Seven Corners again! They are fine if you have no claim but so is any coverage; their price seemed better. The first trip I had a modest on-board medical charge ($204). I submitted the claim immediately upon return using their form and providing everything they asked.
The response was a letter asking for an itinerary (not listed on their form) and proof of payment.
I had sent them the statement of the ship Dr. and my final statement from the ship showing the charge to my cabin and settlement on my AmEx card; I even circled the amount. They wanted proof of direct payment to the Dr. and anyone knows that is not the way it works; charges are made to your cabin and you can not pay the Dr. directly. Next they wanted a copy of my AmEx bill as proof. Due to the billing cycle, my bill didn't come until almost a month after my return. Very annoyed, I reluctantly sent a copy which , I think, is a gross invasion of privacy. The ship statement should have been more than adequate since it clearly showed both the charge and the settlement.
If they cause this much hassle over such a straight forward and simple claim, I hate to think about what a major claim would bring; and, after all, it is the major claims against which I buy protection.
I have used InsureMyTrip before and have been pleased but Seven Corners has no place on this otherwise reputable site.
The response was a letter asking for an itinerary (not listed on their form) and proof of payment.
I had sent them the statement of the ship Dr. and my final statement from the ship showing the charge to my cabin and settlement on my AmEx card; I even circled the amount. They wanted proof of direct payment to the Dr. and anyone knows that is not the way it works; charges are made to your cabin and you can not pay the Dr. directly. Next they wanted a copy of my AmEx bill as proof. Due to the billing cycle, my bill didn't come until almost a month after my return. Very annoyed, I reluctantly sent a copy which , I think, is a gross invasion of privacy. The ship statement should have been more than adequate since it clearly showed both the charge and the settlement.
If they cause this much hassle over such a straight forward and simple claim, I hate to think about what a major claim would bring; and, after all, it is the major claims against which I buy protection.
I have used InsureMyTrip before and have been pleased but Seven Corners has no place on this otherwise reputable site.
John W. would not
recommend this plan to a friend or relative.
39 of
39 people found this review helpful
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Suzanne Munson
Seven Corners
Dear John,
We have taken customer comments like yours in consideration, and have revised our claims process accordingly. We no longer require travel itineraries, unless we are needing additional information to verify a loss. We appreciate your feedback.
Best Regards,
Suzanne Munson
Seven CornersJan 09,2012
Unfortunately, the industry standard for all travel insurance is to cover a baggage delay on the outward journey only. This would cover you for personal items you need during your trip.
The certificate for your coverage states the following under Baggage Delay:
"If, while on a Trip, Your checked baggage is delayed or misdirected by a Common Carrier for more than 24 hours from Your time of arrival at a destination other than Your return destination, benefits will be paid, up to the Maximum Benefit Amount shown in the Confirmation of Benefits, for the actual expenditure for necessary personal effects."
In the future, please consider speaking with us prior to purchasing a policy. We would be happy to provide you with an explanation of benefits and go over any questions or concerns you may have. You can reach us at 800-487-4722 or send an email to [email protected].