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
I'm happy I didn't have a claim, and was more reassured about the company when I traveled through Italy to find that Generali is a very big insurance company. I had a drink right across from their offices in Orvieto. I would use them again.
Carol L. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Nationwide Mutual Insurance
Universal Cruise
For the coverage the cost was very reasonable and the plan itself was tailored for our cruise. Very satisfied thank you.
Dean S. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Premium
This plan was competitive in terms of pricing, but the fact that any losses I would suffer due to illness were not covered made it a very poor value for me. The reason medical problems were not covered was that I had not purchased the insurance within one week of my final trip payment. Even though this major source of potential trip cancellation was not covered, there was no discount applied to the premium. I experienced no problems and filed no claims, but withholding this coverage without offering any discount was a major disappointment and greatly reduced the value of the policy for me.
BRIAN M. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
HTH Worldwide
Trip Protector Classic
I have used insuremytrip twice and would not hesitate to use them again. Representatives easy to work with and are knowledgeable about their product.
Douglas L. would
recommend this plan to a friend or relative.
HTH Worldwide
Trip Protector Classic
Feel like we were taken for a ride by HTH. We had a 30 hour delay in Dallas due to weather (or supposed weather according to American Airlines). Baggage was sent on to out final destination so we had nothing. I had purchased the policy because it had a provision for compensation for a 6+ hour delay as well as baggage delay. HTH response on attempting to file a claim was that we were not covered. And I guess if you read the fine print it can be interpreted that way. Baggage was reunited with us 40 hours later. HTH interprets this as not being covered since we were on our home bound leg. However, we were not home. We were in Dallas Texas with nothing! Dallas was not our final destination. Still they will not budge and cover us. I can understand that if we were actually home that we could drive to our house and have some fresh clothes. However Dallas is a 9 hour drive from our home. A very interesting interpretation of the coverage.
Sorry to say that I have used this policy many times in my travels but I never will again. Even had a claim speedily handled by them 6 years ago. This time the policy was shown to be highly deficient with so many loopholes in it that it would be unlikely to be able to file any successful claim.
My advice to others considering this coverage. Go elsewhere. Both HTC and InsureMyTrip have failed me big time.
Sorry to say that I have used this policy many times in my travels but I never will again. Even had a claim speedily handled by them 6 years ago. This time the policy was shown to be highly deficient with so many loopholes in it that it would be unlikely to be able to file any successful claim.
My advice to others considering this coverage. Go elsewhere. Both HTC and InsureMyTrip have failed me big time.
Louis S. would not
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
-
Carol
Thank you for taking the time to reply.
Our "Anytime" Advocates reached out to the HTH Worldwide claims processors who advised us that you did not actually file a claim. Nevertheless we agreed that there would be no coverage available under this plan for your baggage if delayed on your travel home:
"BAGGAGE DELAY (Outward Journey Only)
The Company will reimburse You for the expense of necessary personal effects, up to the Maximum Benefit shown on the Confirmation of Coverage, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than twelve (12) hours, while on a Trip. You must be a ticketed passenger on a Common Carrier. Additionally, all claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchases must accompany any claim."
Please also note that HTH is not unique in providing baggage delay for the outward journey only. That is actually a standard limitation in most plans.
We are very sorry to hear that you are disappointed in the coverage provided by this policy. One of the many benefits of our website is the ability of our customers to quote, compare and review our plans prior to purchase. You can click on any of the blue links within your quote to read the details, take advantage of our online chat service or call customer care for assistance.
Please let us know if you have any further questions.Jul 24,2018
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
They want to make a claim against my home owner's insurance rather than covering the items that were a part of the policy.
Linda H. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Carol
Thank you for taking time to submit your review.
Your Worldwide Trip Protector Lite plan provided Baggage Coverage for a limit of 750 USD (secondary) as indicated in your quote and policy. Secondary coverage will pay you only after any other Primary collectible insurance has paid the claim and the Primary policies' limits have been exhausted, so CF Travel Insured advised you to first submit your claim to your homeowners insurance company.Jul 20,2018
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
The purchase process was quite smooth. The representative who answered my questions & later handled my purchase was excellent.
James B. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
Luckily, we did not have to use the policy. We always purchase travel insurance for piece of mind. Have no history with the company, but it is highly rated. We do our homework before purchasing any policy.
David K. would
recommend this plan to a friend or relative.
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector Plus
Fortunately did not have a claim.
Lynn W. would
recommend this plan to a friend or relative.
The trip included a
tour
AIG Travel
Travel Guard Platinum
Fortunately we did not need use the plan we purchased but we felt very comfortable before the trip and while traveling, knowing that we were covered for all adverse contingencies.
Margaret S. would
recommend this plan to a friend or relative.
The Generali Global Assistance Premium plan provides a waiver for pre-existing conditions with the following requirements met:
"a. coverage is purchased prior to or within 24 hours of your final Trip Payment; and
b. you are medically able to travel at the time the coverage is purchased; and
c. you insure 100% of your prepaid Trip costs that are subject to cancellation penalties or restrictions."
If you are not able to purchase prior to or within 24 hours of your final Trip Payment or you do not insure 100% of your prepaid Trip costs that are subject to cancellation penalties or restrictions, you would have a 180 day look back period should any claims be filed.
"PRE-EXISTING CONDITION means a Sickness or Injury
during the 180-day period immediately prior to your
effective date for which you or your Traveling Companion:
(1) received, or received a recommendation for, a
diagnostic test, examination, or medical treatment; or
(2) took or received a prescription for drugs or medicine.
Item 2 of this definition does not apply to a condition
which is treated or controlled solely through the taking
of prescription drugs or medicine and remains treated or
controlled without any adjustment or change in the required
prescription throughout the 180-day period before coverage
is effective under this Policy."
In the future, if you are looking for guidance in selecting a travel insurance plan, please consider contacting our office at 800-487-4722 where a licensed representative would be happy to assist you. Unfortunately, due to business regulations, we are not able to discount travel insurance policies.