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.
International Medical Group
Patriot International Lite
we deliberately bought a plan in case of trip interruption but when we almost missed our connection due to a strike by Air France Traffic Control we found in the small print - that we had not seen in the summary at time of purchase online - that the $5000 coverage we thought we had only applied in the case of the death of a relative or our house burning down!!!!!!! ridiculous!!!! not at all what is normally understood by trip interruption. Next time I will call a broker and go through what is available line by line. I no longer trust your summaries and am just grateful that we managed to make our connection.
kelvin d. would not
recommend this plan to a friend or relative.
7 of
7 people found this review helpful
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Mike
Thank you for your review and feedback. Typically package policies offer more reasons under trip interruption coverage than medical policies. In the future, please feel free to contact us as we can review your concerns and trip details with you, and then recommend a policy that best fits those specifics.Oct 15,2013
TravelSafe
Classic Plus
Very disappointing. I filed a claim and the company worked hard to not reimburse us despite the fact that it was a legitimate claim; very frustrating. I needed a lawyer and two appeals to get a fair reimbursement.
linda w. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
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Zac
Thank you for providing feedback on your policy. We are sorry to learn of the hardship you experienced regarding your claim. Please keep in mind that InsureMyTrip has a team of customer advocates dedicated to assisting customers with claim issues. Advocates are available 7 days a week by telephone at 800-487-4722.Nov 04,2014
C&F Travel Insured International
Worldwide Trip Protector
I did have medical treatment while in France, but the paperwork required to file a claim With Travel Insured Worldwide Trip Protector was enormous and I was required to file a claim with my primary medical insurance first. I decided that my time was worth more than than the time required to file a claim.
Jane W. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
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DavidT
The word "secondary" is highlighted in red lettering in the policy overview section prior to purchase. Clicking on this word "secondary" defines what secondary coverage means. The Worldwide Trip Protector Plus at a higher premium, your coverage would have been "primary."Nov 14,2014
HTH Worldwide
TravelGap Excursion
I ended up in a hospital with a broken back after a ski accident, and at first the advice nurse they got me in contact with was great. But then when it came time to try to get HTH to provide evidence of insurance, they refused because I had purchased the policy while not in the US (there's a clause that says insurance must be purchased before the trip begins -- I didn't interpret that as "any time you leave the US you're beginning a single trip that lasts until you get back"). While I was in the hospital, they basically shut down any appeal by saying "you can't appeal until you've filed a claim, which we'll reject". In the end, my US insurance gave me pretty good coverage, so I was OK, but it drives me crazy that they'd use the IP address of the computer I was on when I purchased the policy to deny me coverage, but *not* to prevent me from buying the useless policy!
Christopher L. would not
recommend this plan to a friend or relative.
12 of
13 people found this review helpful
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Beth Vassar
HTH Worldwide
There are a number of important factors related to “when and where†HTH Worldwide issues our insurance policies.
Firstly, TravelGap Excursion is available to U.S. Citizens or Permanent Residents traveling outside of the United States. The plan is available for customers purchasing in approved U.S. states. HTH Worldwide does not hold licenses to sell insurance products outside of the United States. As such, in certain circumstances it can be a violation of foreign insurance law to issue a policy when a customer is already overseas.
Secondly, TravelGap Excursion is unique because it covers pre-existing medical conditions up to the policy maximum.. In order to offer such comprehensive benefits, it is important that customers buy the insurance prior to trip departure. If HTH were not to enforce this requirement, we could be adversely selected against. Some travelers could potentially wait until they became sick or injured before they purchased a plan.
Finally, HTH Worldwide offers a refund of premium for customers who are ineligible for TravelGap Excursion. If you have not received a refund, please contact HTH Worldwide.Oct 05,2011
The trip included a
cruise
tour
American Express
Global Travel Shield Deluxe
i broke an item in Italy and your plan did not cover it or any part of the damage. Very disappointed.
Lida C. would
recommend this plan to a friend or relative.
1 of
4 people found this review helpful
AIG Travel
Travel Guard Platinum
Too expensive
Karen C. would not
recommend this plan to a friend or relative.
-
Michelle A
Thank you for your review. The premiums are based on the age of the traveler(s), the length of the trip and the cost of the trip. In the future, please call us at 800-487-4722 and we can assist you with finding the least expensive plan available to cover your concerns.Dec 18,2019
GoReady Insurance
Choice
I didn't have any issues that warranted the insurance.
Lynne F. would
recommend this plan to a friend or relative.
The trip included a
tour
InsureandGo
Global Silver
Did not use the plan. Have to use any current insurance coverage first. Would like to know just how much these companies pay out per dollar of premium collected. Just think the costs are unnecessarily high.
Marsha T. would
recommend this plan to a friend or relative.
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Zac
Thank you for your feedback on the policy. InsureandGo has issued the following reply:
“Thank you for your review. Our records indicate that you did not file a claim with us. Our Global plans provide for primary coverage. If you feel that you have a valid claim, please contact us.â€
The InsureandGo Global plans are designed for international travel, and as result, offer primary medical coverage. InsureandGo plans for domestic travel, provide benefits that are secondary to your insurance in the United States.
Please call us at at 800-487-4722 if you have any questions regarding primary versus secondary coverage, or if you would like to obtain a quote for primary travel insurance.Apr 21,2016
Generali Global Assistance
Standard
At first I thought it was a misunderstanding that would be remedied once we discussed the matter. My wife and I planned to take family members on a trip to France. We undertook to pay for lodging and train travel in Europe. They would only have to pay for air fare and incidentals. And for one cousin who is celebrating a significant birthday this year, we went a step farther and undertook to pay her air fare from SFO to Paris. Knowing how much we were likely to spend for all of this we insured the trip for $9,500.
Shortly before the trip my wife was injured and hospitalized. The trip was cancelled and we filed a claim for trip cancellation coverage. Generali reimbursed us for all of the payments we made that were non-refundable (including payments for train tickets for our party of six, multiple hotel rooms for all of us, and a house rental in Brittany). But it declined to compensate us for the air fare we paid for my cousin because, they said, she wasn't an insured party.
I communicated with Generali and explained what I believe is self-evident. The risk I insured against was the risk of losing up to $9,500 is payments I made for my trip and Generali's policy provided that "Benefits will be paid, up to the amount in the Schedule, for...Payments that you paid for your Trip." I wasn't claiming benefits for my cousin. She didn't make any payments for air fare and had no risk of losing any such payments so even if she had been insured she would not have been able to claim benefits for lost air travel payments. I was claiming the benefit for my wife and me since we were the ones who paid the $1,800 in air fare, faced the risk of loss of that payment if the trip was cancelled, and were the parties Generali agreed to insure against that very risk.
After failing to get anywhere by communicating with Generali in writing, I was finally able to speak with a Claims Manager by phone. I explained my logic and she agreed, my reasoning was sound! Nevertheless, she insisted "that's not how the policy works" and refused to consider the matter further. She asserted that Generali only pays benefits for reservations that are in the name of an insured, even if an insured party paid for the reservation. (As for the benefit for payments I made for train tickets for six passengers, that was "a mistake" she said.)
I'm now persuaded that this is not a simple misunderstanding but a deliberate policy or practice that amounts to an intentional breach of contract by Generali. I intend to pursue the matter further and am confident I will eventually succeed in getting Generali to live up to its commitment. However, others should be very cautious about dealing with Generali.
Shortly before the trip my wife was injured and hospitalized. The trip was cancelled and we filed a claim for trip cancellation coverage. Generali reimbursed us for all of the payments we made that were non-refundable (including payments for train tickets for our party of six, multiple hotel rooms for all of us, and a house rental in Brittany). But it declined to compensate us for the air fare we paid for my cousin because, they said, she wasn't an insured party.
I communicated with Generali and explained what I believe is self-evident. The risk I insured against was the risk of losing up to $9,500 is payments I made for my trip and Generali's policy provided that "Benefits will be paid, up to the amount in the Schedule, for...Payments that you paid for your Trip." I wasn't claiming benefits for my cousin. She didn't make any payments for air fare and had no risk of losing any such payments so even if she had been insured she would not have been able to claim benefits for lost air travel payments. I was claiming the benefit for my wife and me since we were the ones who paid the $1,800 in air fare, faced the risk of loss of that payment if the trip was cancelled, and were the parties Generali agreed to insure against that very risk.
After failing to get anywhere by communicating with Generali in writing, I was finally able to speak with a Claims Manager by phone. I explained my logic and she agreed, my reasoning was sound! Nevertheless, she insisted "that's not how the policy works" and refused to consider the matter further. She asserted that Generali only pays benefits for reservations that are in the name of an insured, even if an insured party paid for the reservation. (As for the benefit for payments I made for train tickets for six passengers, that was "a mistake" she said.)
I'm now persuaded that this is not a simple misunderstanding but a deliberate policy or practice that amounts to an intentional breach of contract by Generali. I intend to pursue the matter further and am confident I will eventually succeed in getting Generali to live up to its commitment. However, others should be very cautious about dealing with Generali.
Peter L. 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 which we did forward to Generali for their response. We understand that the process is still ongoing but Generali has asked us to express that,
"We're sorry to hear about your negative experience and apologize for not meeting your expectations. Our goal is to provide a prompt and courteous claim experience to all of our customers. We are looking into this further and one of our dedicated team members will get back with you soon. Please contact (800) 348-9505 or [email protected] if you have additional questions."Jul 25,2019
The trip included a
cruise
tour
AIG Travel
Travel Guard Basic
This is an update of a previous review. My claim has been approved and should be paid within 10 days. I think the process could have been simpler. I had a previous claim several years ago that was handled much more expeditiously. I will not use AIG again.
David P. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
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Carol
We are very pleased to hear that AIG Travel Guard has issued your claim payment. Processing times of claims can vary depending on how much supporting material is needed. A member of the AIG Travel Guard Claims team will be in touch with you to follow up.Sep 27,2018