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
55,764
ratings and reviews
97%
recommended
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Cruise
Filed claim
The trip included a
cruise
Nationwide Mutual Insurance Essential
It was quite a bit cheaper than Norwegian cruise line insurance.
Sherry J. 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
Total failure by insuremytrip. My mother passed away four days before our trip. I was led to believe by the person I called I have full coverage to change the airline tickets. Since we bought tickets so early, and now having to change a flight from New York to Italy within a week the increased costs were over $4800, but again they said we are covered. So we scheduled my moms funeral promptly an delayed our departure by two days. Heart broken and sad over the loss of my mother we left for our trip at least feeling better believing the almost $5000 would be covered. I made all the proper notifications and filed a claim. They DENIED the claim and sent us a check for $200! They claimed the delay was not covered beyond $200. I appealed it only to be denied again...they said they would have reimbursed all of our money if we canceled, but since we were able to salvage our trip we are out over $4600 in additional costs! They have no heart and could care less about the customer...they promptly took our money but in true insurance company fashion denied our claim. It makes no sense canceling if you can delay....or at least so we thought. I would NOT buy insurance from this company!
John C. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
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 are very sorry for your loss and to hear that your claim was denied after your appeal.

    The AXA Assistance USA Gold plan is a Comprehensive plan which covers a wide range of perils and hazards for Trip Cancellation. Unfortunately, it was determined that the claim did not fall within the scope of Trip Cancellation because you would have had to cancel the trip with your Travel Suppliers to be covered under that benefit.

    Please consider calling us in the future prior to purchase so we can review the plan benefits with you and answer any questions you may have about coverage. We do want you and your fellow customers to be aware that InsureMyTrip offers a Customer Advocate Program. Customer Advocates are representatives assigned to assist customers who experience issues after filing a claim. Requesting a Customer Advocate is as simple as calling 800-487-4722 or emailing customercare@insuremytrip.com, explaining the events which resulted in a claim, and the challenges you are facing.
    Jan 25,2018
The trip included a
tour
Allianz Global Assistance Basic
Two weeks before a trip to Thailand my wife sprained her knee, necessitating a trip cancellation. Per the guidelines from Allianz, I filed a claim totaling 21 pages. After 10 days, I called for a status report and was told the claim had been received, complimented for its accuracy and told it was being reviewed. The claim was paid in full in a little over 11 weeks. The reason it took so long was because Allianz ask for additional documentation which wasn't in the original guidelines regarding proof of payment or proof of non-refundable payments. Recommendation to policy holders: Along with proof from your travel company or carrier for payment include a copy of a cancelled check, bank statement or credit card statement. We were also asked to provide a letter from our Visa processing company stating that the payment for our visas was non-refundable. Providing cancelled checks or letters verifying non-refundable payments was not included in the claim filing guidelines. If they had been, we probably could have completed our claim in less than 5 or 6 weeks. By being patient, we were able to complete our claim and get 100% of what we asked for. We have since bought another Allianz policy for an upcoming trip and would recommend them to everyone.
Ken M. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
C&F Travel Insured International Worldwide Trip Protector Lite
Luckily we didn't need to use this policy this time. There have been ice storms and airline cancellations in our area. Didn't affect us this year. We have had to use in the past and they paid all our costs promptly.
Robert H. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
C&F Travel Insured International Worldwide Trip Protector
I had an excellent explanation when I call on the phone and I purchased because the lady that explain to me was very helpful.
Ana B. 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
cruise
tour
Allianz Global Assistance Basic
Fortunately we did not have to use this.
Jay M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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
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