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
Generali has been incredibly frustrating. I thought I had a very clear case--I had a flight cancelled due to weather and I missed a prepaid first night at an expensive lodge, and I incurred extra travel expenses due to this. First, I've needed a password reset, and sent SIX requests for this and got nowhere. There is simply no way to get help with the website or your account, either online or by phone. For this reason alone I would never use them again. Second, Generali's way of doing business is to email me once every three weeks to ask for some new document--for instance, I had to provide a letter from the airline stating WHY the flight was cancelled (I'd already provided the one saying it WAS cancelled). Then I don't hear from them for 3 weeks. Then they want something else that seems redundant. Or, they tell me they didn't get the last email I sent despite the fact I always can provide the auto reply confirmation email. The latest email they sent me seems meant for someone else--they told me they didn't hear from my "agent" (I didn't use an agent!) and are closing my claim. They are very much looking for a way to not cover my straightforward claim.
Christine A. would not
recommend this plan to a friend or relative.
6 of
6 people found this review helpful
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Angie
Hello Christine. Thank you for your feedback. We’re sorry to hear about the circumstances surrounding your claim and for not meeting your expectations. We take customer service and the claims review process very seriously and strive to provide a fair, equitable and timely process for all customers. A dedicated claims team member is investigating your case further and will be in touch with you. If you have any additional questions in the meantime, please reach out to us at (800) 348-9505 or via email at [email protected].Feb 02,2023
The trip included a
cruise
tour
Generali Global Assistance
Premium
Very difficult to file a claim. After finally getting the claim to go through and still haven't heard back after over a week. I can't mange what they would be like if you had a emergency over seas.
David M. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Angie
Hello David. Thank you for sharing your feedback. We are very sorry for not meeting your expectations with the claims process. We have received your claim, and a dedicated claims rep will follow up with you once their review is completed or if more information is needed. Please feel free to reach out to us at 800-348-9505 or via email at [email protected] with any additional questions or concerns.
Feb 03,2023
Generali Global Assistance
Standard
I made several phone calls and either didn't get through or when I did, the customer
NO service guy transferred me to the twilight zone. I finally gave up. And I was just
trying to get information about extending the coverage and give them MORE money.
POS outfit
Seth
NO service guy transferred me to the twilight zone. I finally gave up. And I was just
trying to get information about extending the coverage and give them MORE money.
POS outfit
Seth
seth r. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Angie
Hello Seth. Thank you for your feedback. We're sorry to hear about your negative experience and apologize for not meeting your expectations. If you’d like to share additional information about your experience, please email us at [email protected]
Feb 22,2023
John Hancock
Bronze
We always purchase travel insurance and we travel international every year, sometimes even 3 times in a year and this recent trip was the First Time I actually wanted to use the benefit. I called the John Hancock office to inquire on canceling my trip due to my mother who is 90-years old had an accident and just had Hip Replacement surgery. My husband and I wanted to cancel the Spain trip and just spend time with my mother to help her in her recovery and therapy - the Insurance Agency said they cannot give a definitive answer if my Claim will be approve or rejected UNTIL I file a Claim and wait 30-days for an answer. I now realize Travel Insurance is a waste of money because people buy Insurance to remove the RISK in your Travels but when you need to use it, you will be asked to take the "RISK" anyway if you will be approved or rejected - so what is the point of having Insurance?
Emily J. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Mike
Thank you for your feedback. We are sorry to learn that you are dissatisfied with the service you received. We strive to provide a superior level of customer service, including interpretation of travel insurance benefits and exclusions. While we cannot predetermine the outcome of a claim, we aim to provide a clear understanding of what travel insurance is designed to cover.
John Hancock Bronze has the following number one covered reason to cancel or interrupt your trip:
"(a) Your Accidental Injury, Covered Sickness or death or the Accidental Injury, Covered Sickness or death of Your
Traveling Companion, Your Family Member, Your children’s caregiver or Your Business Partner; that results in
medically imposed restrictions as certified by a Physician at the time of loss preventing Your participation or continued
participation in the Covered Trip. A Physician must advise cancellation of the Covered Trip on or before the Scheduled
Departure Date."
The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. Unfortunately, in no event can a claim be predetermined, as you would be required to provide Proof of Loss to determine appropriate coverage. This would be the case for any insurance provider that we represent.
We would be happy to speak with you further about your experience and/or provide any clarification of policy terms and conditions. Please let us know if you have any questions or need further assistance. We can be reached at 800-487-4722.Dec 16,2019
The trip included a
cruise
Global Alert!
Preferred Plus
I had a medical problem which prevented me from going on my vacation. When I called Global to cancel my plan I was told I had to cancel within two weeks of my signing up. I called over a month before my trip and was shocked by the refusal to cancel my trip insurance since I was not going on my trip and would not file a claim. This is bad customer relations and I will find another trip insurer in the future.
John A. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Zac
Thank you for your feedback on the policy. We are sorry to learn that you were unable to travel. The Global Alert! Preferred Plus plan has the following refund policy:
You may cancel insurance under the Policy by giving Us or Our Administrator written notice within the first to occur of the
following: (a) 14 days from the Effective Date; or (b) Your Scheduled Departure Date. If You do this, We will refund Your
premium paid provided You have not filed a claim under the Policy.
Unfortunately, it appears that your request to cancel and refund the policy was made outside of the 14 day review period. Please call us at 800-487-4722 if you have any questions or concerns.Jun 27,2016
The trip included a
tour
John Hancock
Silver
Your company is a rip off! My trip was canceled and you refused to give me a refund saying that I had not met requirements for losing my job you. You advised that since I had not lost my job within the 30 days before my trip that I was not entitled to a refund. Such a rip off. If I had lost my job within 39 days of the trip the trip would have been paid for completely! Your other requirement that a person be on the job for 3 years is also bogus. What difference does it make if I was on my job 3 years or 3 days? If I list my job I lost it! I have recommended people in all my travel groups avoid your company at all cost. I told my story so hopefully you are losing business. I will keep telling the people about you scam!
Pamela S. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
John Hancock
Bronze
My bag was delayed for one day and I have to go back to the airport to pick up my bags he following day. The provider in Lisbon cannot deliver my bags to the apartment we are staying so I have to go back to the airport to get my bag the following day. I submitted a claim for the taxi fare with the receipt and my claim for the taxi fare was denied because they said the policy i bought does not cover taxi fare. It covers delivery charge. But they cannot deliver it so I asked them if they can consider the taxi fare as the delivery charge and all they say is they do not cover taxi fare. But if the carrier deliver the bags using the taxi and charges me the taxi fare as a delivery charge then they will pay. Tell me if you are reasonable.
Maria R. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Carol
We appreciate your review since it, once again, allows us the opportunity to remind our customers that coverage for reimbursement is very specific as stated in the policy. In addition, Terms and Conditions may vary by state and insurance carrier and there is no one policy that will cover every situation.
In response to your comments, we did make a complete review of your policy to determine if there was any coverage available under Baggage Delay / Baggage Delivery. Your John Hancock Bronze plan states that:
"BAGGAGE DELAY / BAGGAGE DELIVERY
We will pay You for the expense of replacing necessary personal effects, up to the maximum shown on the
Schedule of Benefits, if Your Checked Baggage is delayed or misdirected by a Common Carrier for more than 12 hours, while on a Covered Trip, except for travel to final destination or place of residence.
If Your Checked Baggage is delayed after You have reached Your destination and the Common Carrier makes a charge for delivery, We will pay the reasonable cost up to the Baggage Delivery Maximum Benefit shown on the Schedule of Benefits to deliver Your Checked Baggage to Your Destination. A copy of the delivery invoice and verification of the delay or misdirection by the Common Carrier must be submitted with the claim.
You must be a ticketed passenger on a Common Carrier. All claims must be verified by the Common Carrier who must certify the delay or misdirection and receipts for the purchase or replacement of necessary personal effects
must accompany any claim."
Since the policy clearly limits reimbursement "...to deliver Your Checked Baggage to Your Destination...", there would be no payment for the taxi.
Please call Customer Care at (800) 487-4722 if you need assistance in the future to quote and select a policy. We are available weekdays from 7:00 AM to midnight and weekends 9:00 AM to 9:00 PM ET.Oct 31,2017
The trip included a
cruise
tour
John Hancock
Silver
Terrible. Cruise was canceled and a month after filing the claim, just getting a run around. I've repeatedly sent them 19 pages of documentation and they keep saying I'm missing something. I tell them its right there and give them the page number and then they just ask for something else thats in the same package of documents. You call and they won't give you people's full names and refuse to give an extension number so you can contact them. I'm getting no where and honestly considering hiring an attorney to deal with this.
Steven W. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
John Hancock
Bronze
Make sure to add many extra days to the end dates on your trip. I was denied my travel delay claim coming home because the delay caused me to be one day after the date I said I was returning. It took John Hancock 3 weeks to respond and that was after I had to send an email requesting any kind or correspondence requesting letting me know they received my claim. I will say the employees were kind and helpful when on the phone with them.
Lori-Jo B. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Carol
Thank you for your review. We apologize for the 3 week delay in the response time. However your policy does define the expiration date of your policy as listed below:
"When Your Coverage Ends:
Coverage is effective for the stated term shown in the confirmation of benefits. In addition, Your coverage will end at 11:59 P.M. local time on the earliest of the following dates:
(a) the date You cancel Your Covered Trip;
(b) the Scheduled Return Date as stated on the travel tickets;
(c) the date You return to Your origination point if prior to the Scheduled Return Date; or
(d) the date You leave or change Your Covered Trip (unless due to Unforeseen and unavoidable circumstances covered by the Policy)."
If you would like our assistance in quoting and purchasing a policy in the future, InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. Please call us at 800-487-4722 and we would be happy to assist you.Aug 01,2019-
Lori-JoB
Exactly my point. The scheduled return however if delayed you don’t cover.Aug 02,2019-
Carol
Thank you for your reply. Back on July 23rd, 2019 we sent you an email asking for additional claim information if you wished us to assign an "Anytime" advocate to review the claim file, but you did not reply. If you have changed your mind and would like InsureMyTrip to look into that claim, would you please reply to the email requesting that additional claim information back on July 23rd.Aug 06,2019
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John Hancock
Gold
We have always used John Hancock travel insurance.
We have bought the gold package with the trip cost being $1.00 as we did not need to cover the travel cost. Hence the policy was purchased only for medical emergencies. And we have always confirmed this by phone with your office.
I contacted your office a few days ago to confirm as usual and I was informed that John Hancock do not cover medical for travel insurance and that I would need to provide the whole travel cost in order to get medical coverage.
This is a surprise and concern as I have always taken the policy for medical and not the travel cost. In which case why would the system let me even purchase a policy? Why do we receive a policy indicating the coverage? And what does the premium paid get applied to?
There seems to be a misrepresentation by your staff. I have purchased policies for myself and others for the last 10 years and was always informed by your office to put the trip cost at $1.00.
We recently traveled in September with the John Hancock policy. Had there been a medical emergency would your office have considered/covered the claim?
We buy insurance for peace of mind. I shudder to think what could have happened if we had a claim.
I need to know before purchasing future policies with John Hancock. I have emailed their office but no response has been received
I hesitate to give them a good rating after this.
I have always praised their service earlier
Thanks
Perviz Tarapore
We have bought the gold package with the trip cost being $1.00 as we did not need to cover the travel cost. Hence the policy was purchased only for medical emergencies. And we have always confirmed this by phone with your office.
I contacted your office a few days ago to confirm as usual and I was informed that John Hancock do not cover medical for travel insurance and that I would need to provide the whole travel cost in order to get medical coverage.
This is a surprise and concern as I have always taken the policy for medical and not the travel cost. In which case why would the system let me even purchase a policy? Why do we receive a policy indicating the coverage? And what does the premium paid get applied to?
There seems to be a misrepresentation by your staff. I have purchased policies for myself and others for the last 10 years and was always informed by your office to put the trip cost at $1.00.
We recently traveled in September with the John Hancock policy. Had there been a medical emergency would your office have considered/covered the claim?
We buy insurance for peace of mind. I shudder to think what could have happened if we had a claim.
I need to know before purchasing future policies with John Hancock. I have emailed their office but no response has been received
I hesitate to give them a good rating after this.
I have always praised their service earlier
Thanks
Perviz Tarapore
PHIROZ T. would not
recommend this plan to a friend or relative.
3 of
5 people found this review helpful