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.

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.

Customers rated our travel insurance plans
4.57 out of 5
55,792
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
tour
TravelSafe Classic
This was one of the rare occasions I have had to file a claim with travel insurance, and my experience was time consuming, frustrating, ultimately dissatisfying, and just plain awful. The dispute centered on a provision buried deep within the the policy language that required a contemporaneous written report of the incident in order to receive compensation. While I will not go into the details, in my case damage to a camera and lens occurred while staying in a rustic backpackers' lodge in a remote region of Borneo, where such formalities would be absurd. I did, however, make the management of the lodge aware of the incident verbally, and I also confirmed my account with them by e-mail after returning to the U.S. This documentation was provided to the insurer, but rejected as insufficient evidence that the damage occurred during the coverage period. In truth, the amount I was seeking -- $290 for repair of the camera and lens -- was not much more than the cost of the policy premium. I found the attitude of TravelSafe (and their claims agent TripMate) to be doctrinaire, inflexible and, frankly, sleazy. I had used TravelSafe on two previous occasions, but I will never use this company, or their underwriter, United States Fire Insurance Company, again.
Robert P. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Melissa J.
    Photo
    Thank you for your feedback on the policy. We appreciate you using InsureMyTrip for your travel insurance needs. We are sorry to learn that your property was damaged during your trip and are dissatisfied with this policy. The claims administrator is required to adjudicate claims based on the terms and conditions of the policy. With any travel insurance policy you would be required to have written documentation at the time of loss for damage to, or theft of your personal property. This will substantiate your claim and demonstrate that the event occurred while you were traveling. The following information can be found in the certificate of this policy:

    "Additional Claims Provisions Specific to Baggage: Your duties after loss of or damage to property or delay of baggage:
    In case of loss, theft, damage or delay of baggage or personal effects, You must:
    a) take all reasonable steps to protect, save or recover the property;
    b) promptly notify, in writing, either the police, hotel proprietors, ship lines, airlines, railroad, bus, airport or other station authorities, tour operators or group leaders, or any Common Carrier or bailee who has custody of
    Your property at the time of loss;
    c) produce records needed to verify the claim and its amount and permit copies to be made;
    d) provide to the Company, within 90 days from the date of loss, a detailed proof of loss signed and sworn to; and
    e) be examined, if requested."

    In the future, please consider calling us prior to purchasing a plan so that we can assist you in reviewing any specific concerns that you may have when you are selecting a travel insurance policy. Our toll free telephone number is 800-487-4722. We look forward to assisting you.
    Jan 29,2018
    • RobertP
      Photo
      Thanks, Melissa. Believe me, I am now quite familiar with the provisions of the policy you have quoted, the reasons for them, as well as the reasons why my claim was denied.

      Please allow me to point out, however, that the phrasing of part (b) is unclear and open to interpretation.

      The clause requires that written notification be made to any one of a list of entities -- police, hotel, etc. -- "or any Common Carrier or bailee who has custody of your property at the time of loss." Does the qualifier, "who has custody of your property at the time of loss" apply only to Common Carriers and bailees? Or to the entire enumerated list? Bailees, by definition, have custody of your proprerty. That's what makes them bailees. Common Carriers have custody not only of your property, but also of your person for the duration of their carriage. So, qualifying only these two types of entities is superfluous. That would seem to imply that the qualifying phrase, "have custody of your property" applies to the entire list, not only Common Carriers and bailees.

      In my case, the hotel did not have custody of or control over my property at the time the damage occurred. It was in my hands and in my control. Therefore, the requirement of wriiten notification has been misapplied in this case, and insurance should've paid.

      I brought up this point with TripMate, but they didn't buy it. For my part, I paid $290 for repair of the camera and lens, with which I was very pleased -- Photo Tech on West 36th Street in Manhattan. I recommend them highly. I've moved on with life.
      Jan 29,2018
The trip included a
cruise
C&F Travel Insured International Worldwide Trip Protector Lite
Fast and easy to register for travel insurance. The price was most reasonable and we have now used this provider for numerous cruise vacations with the knowledge that we have excellent insurance.
carl w. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
Nationwide Mutual Insurance Choice Cruise
Didn't have to use it so don't know how well it works if you need to, but was satisfied with what we had purchased and it being a fair price.
Lee H. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
Generali Global Assistance Standard
Fortunately didn't need it (almost did- delayed luggage), but nice knowing it was available. Was on a tour, and the company's offered coverage cost 2X for the same coverage! Have used them for many trips and will continue to.
Anna C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Allianz Global Assistance Basic
Very easy to purchase a plan online and reasonable rates, with comprehensive insurance coverages, per my needs.
Evelyn S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
AXA Assistance USA Gold
The first best thing about the plan is the wonderful help the representatives on the phone give in finding the right plan with the right coverage.

The next best thing about the plan is not having to use it!
Harriet P. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Prime
This is the first time I ever purchased travel insurance (despite having traveled internationally for the past several years.) It was a very expensive trip to Asia and my husband and I were most interested in the medical coverage (didn't want to be stuck overseas with an illness/injury requiring expensive medical costs.) Well, I ended up getting food poisoning and spent a day on IV fluids and IV antibiotics, racking up $1000 in medical costs. I called Nationwide from the clinic in Thailand (I had their app on my phone with all of the insurance info at my fingertips) and they immediately opened a claim for me and gave me a claim number. They also emailed me all the forms that I needed to complete with a list of everything that I needed to supply for the claim. Meanwhile, our flight from Incheon to LA was delayed, causing us to miss our connecting flight to Denver. My husband had to purchase 2 seats on another airline last minute for $500. I submitted a claim for $1500 on 12/26/17 for medical expenses and trip interruption. I immediately received a confirmation email and had a check issued to me for the full amount of my claim on 1/03/18. There was no hassle whatsoever. I was so impressed with their service that I just purchased another policy for our trip to Europe in September. I cannot stress how happy I am with this company and how efficiently they handled my claim. I realize how lucky my husband and I have been over the years to not have had any illness or trip interruption befall us, but I realize the importance of having travel protection (especially being medically covered while out of the country) and will never go without travel insurance again. And, of course, I will be going with Nationwide.
Jutharat M. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
AXA Assistance USA Platinum
I am very happy with the plan and the cost. Although I (forunately) did not need to file any claims this trip, I did file a claim last trip for lost luggage. After submitting receipts and documentation, my claim was paid quickly and the staff was polite and helpful through the process. I will definitely use the plan for future trips.
Sandara N. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
Nationwide Mutual Insurance Essential
I have used several travel insurance companies. The service I received from Nationwide was the best I have ever experienced. Thank you, Nationwide.
Robbie B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
cruise
Nationwide Mutual Insurance Choice Cruise
Although I did not need to file a claim, I felt confident knowing that I had this coverage. This plan provided better coverage at a lower price than the plan the cruise line offered. I will purchase this plan again.
Rachel R. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Empty Comment
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