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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
tour
C&F Travel Insured International
Worldwide Trip Protector
I purposely selected this policy from Travel Insured International because it claimed to cover Bankruptcy or Default of the trip provider. The trip provider, Vantage Travel, encouraged me to pay them in full in cash, one year in advance, in order to save 10%. Although I normally prefer to pay travel expenses via credit card, this provision in the insurance policy reassured me that it would protect my cash payment. Yet scarcely one month after making the payment, Vantage canceled my trip, offering me a full refund, which never arrived. I contacted Travel Insured International to see if I could file a claim, based on the default provision. They told me to file the claim, requesting all kinds of documentation, including the travel provider's irrelevant cancellation policy if I were to cancel the trip. The claim was denied. Even though, in my opinion, the travel company was in default of payment, the insurance company later told me that their fine print definition of default requires that the travel company should no longer be in business.
Still, I took comfort in the advice of two different insurance representatives that I could use the premium paid for this policy toward another trip. I then tried to do this and was denied the privilege because I had previously filed a rejected claim. So, besides losing the money paid for the trip, I have also lost the money for the insurance premium I paid to protect me. I feel that besides Travel Insured not paying me what I lost, they gave me a lot of conflicting information, so I will never use them again. I advise others to be wary, too, of using this unreliable company.
Update: Eventually Vantage Travel filed for bankruptcy. I then refiled my claim under the bankruptcy clause of this policy. The insurance company turned it down again. The convoluted wording of the bankruptcy clause seems to state that I cannot recover my loss if I actually paid the trip provider for the trip!!! I complained to Insurance My Trip but they were useless.
Still, I took comfort in the advice of two different insurance representatives that I could use the premium paid for this policy toward another trip. I then tried to do this and was denied the privilege because I had previously filed a rejected claim. So, besides losing the money paid for the trip, I have also lost the money for the insurance premium I paid to protect me. I feel that besides Travel Insured not paying me what I lost, they gave me a lot of conflicting information, so I will never use them again. I advise others to be wary, too, of using this unreliable company.
Update: Eventually Vantage Travel filed for bankruptcy. I then refiled my claim under the bankruptcy clause of this policy. The insurance company turned it down again. The convoluted wording of the bankruptcy clause seems to state that I cannot recover my loss if I actually paid the trip provider for the trip!!! I complained to Insurance My Trip but they were useless.
Michael S. would not
recommend this plan to a friend or relative.
6 of
7 people found this review helpful
HTH Worldwide
Trip Protector Classic
Did not need to submit a claim, but good to know that I had coverage while traveling.
Randall S. would
recommend this plan to a friend or relative.
Trawick International
Safe Travels Voyager
It was easy to purchase. I assume it would have covered any issues. But, I had none. I never contacted them nor did they contact me. So, it was a good trip!
Lemual F. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Choice Cruise
We did not have any claims and did not need to use the insurance, but it gave us peace of mind to have it in place in case it was necessary.
KEITH B. would
recommend this plan to a friend or relative.
WorldTrips
Atlas International
What an awful company. They got zero customer service, and I don't think they care at all.
Their attitude is just whatever.
So, I've got a claim back in October. I submitted it to them in early November.
2 months later, I hear nothing from them. I had to login myself to their messy website.
There's zero communication from them. Zero.
So I logged, in, went to the claims section, and there's t he PDF with the claim outcome PDF.
I click on it. and what does it say? Denied! I had minor medical expenses under 900 USD.
In their reason for denying the claim says, " We could not contact the hospital to confirm the expenses." Are you kidding me? I'm sure they called the hospital once, and that's all, denied the claim.
By the way in two months, nobody contacted me, not even an email, or even a notice of anything.
It's absolutely ridiculous.
Stay away from this fraudulent company!
Their attitude is just whatever.
So, I've got a claim back in October. I submitted it to them in early November.
2 months later, I hear nothing from them. I had to login myself to their messy website.
There's zero communication from them. Zero.
So I logged, in, went to the claims section, and there's t he PDF with the claim outcome PDF.
I click on it. and what does it say? Denied! I had minor medical expenses under 900 USD.
In their reason for denying the claim says, " We could not contact the hospital to confirm the expenses." Are you kidding me? I'm sure they called the hospital once, and that's all, denied the claim.
By the way in two months, nobody contacted me, not even an email, or even a notice of anything.
It's absolutely ridiculous.
Stay away from this fraudulent company!
Dita G. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Angie
Thank you for your feedback, we are so sorry to hear about your negative experience. We are reviewing your file and would be happy to discuss further if you would like the be contacted. We appreciate the opportunity for improvement. Safe travels.Dec 22,2023
The trip included a
cruise
WorldTrips
Atlas Journey Preferred
I like that I was able to have confidence that if something happened, I would be covered. Great vacation.
Charlene W. would
recommend this plan to a friend or relative.
The trip included a
cruise
WorldTrips
Atlas International
Glad I didn’t have to use the plan! Thanks
Larry R. would
recommend this plan to a friend or relative.
1 of
3 people found this review helpful
The trip included a
cruise
Nationwide Mutual Insurance
Essential
Have bought this type of policy several times for peace of mind, but never needed it until this year. My wife got sick during our cruise and we missed our transfer home to airport due to a trip to emergency room. Thankfully, she was fine and luckily I bought the insurance as they covered all medical costs not covered by my insurance plus reimbursed airport transfer fees. Make sure you submit all required documentation including personal health insurance info. Customer service rep was so kind, helpful and patient with me throughout. Re-enforces why buying travel insurance is worth the peace of mind. I'll never travel without insurance again. Highly recommend this very reasonably priced plan.
John J. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
International Medical Group
iTravelInsured SE
I was diagnosed with two Cranial Aneurysms over a month before my cruise. I was scheduled for surgery, and told I would not be able to travel or cruise.
I filed my claim, provided a letter on hospital stationary with an explanation. The letter from my neurosurgeon was one of the two accepted pieces of paperwork required. I sent in a copy of everything else they requested, as I had previously discussed with one of their phone representatives.
In the last month, I have had several emails telling me my paperwork was not acceptable, and even after I explained everything to them, they kept asking for different types of copies of payments, etc.
I understand that they do not want to pay fraudulent claims, however, I find their requests to be something that they could have been handled better through a phone call to me.
My advice to anyone using them, realize that they will require all kinds of bills and and cruise paperwork, amongst other things. As the woman I spoke with advised me, you always have to read all of the fine print in the contract. So, I find myself unhappy with them because I believe they could be handling this better. They are the professionals dealing with this daily. When using any insurance agency, do a much more thorough job of reading their requirements, should you need to file a claim.
I filed my claim, provided a letter on hospital stationary with an explanation. The letter from my neurosurgeon was one of the two accepted pieces of paperwork required. I sent in a copy of everything else they requested, as I had previously discussed with one of their phone representatives.
In the last month, I have had several emails telling me my paperwork was not acceptable, and even after I explained everything to them, they kept asking for different types of copies of payments, etc.
I understand that they do not want to pay fraudulent claims, however, I find their requests to be something that they could have been handled better through a phone call to me.
My advice to anyone using them, realize that they will require all kinds of bills and and cruise paperwork, amongst other things. As the woman I spoke with advised me, you always have to read all of the fine print in the contract. So, I find myself unhappy with them because I believe they could be handling this better. They are the professionals dealing with this daily. When using any insurance agency, do a much more thorough job of reading their requirements, should you need to file a claim.
Mary M. would not
recommend this plan to a friend or relative.
7 of
7 people found this review helpful
-
MaryM
UPDATE: My claim was paid on 2/7/24, and I am happy that this process is over. Please make sure when you purchase travel insurance, that you read the small print, have copies of everything and anything related to how you paid for the cruise, and if related to illness, all of the forms they require. It is best not to go by what a representative may tell you on the phone, but by what is in their fine print.
This will make the process easier for you.Feb 09,2024
John Hancock
Bronze
It took more than 2 months and several phone calls to receive payment for a very straightforward claim. There are also absurd requirement for redundant documentation (e.g. a copy of a train ticket with the amount paid stated clearly on the ticket was not enough — they also required a copy of my credit card statement).
HAROLD M. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful