Travel Insurance Reviews Comprehensive Plans
Comprehensive plans offer the most benefits, including Trip Cancellation and Trip Interruption. These plans provide the best protection for the investment you have made in your trip.
To learn more, read our Comprehensive Plans article.
The trip included a
cruise
Generali Global Assistance
Standard
Very please with whole process to get the insurance.
John C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Travelex
Travel Select
I had no need to use this insurance policy and it cost me $1468 which is by far the most I have ever paid for a travel insurance policy. Travel in the Antarctic is expensive compared to anywhere else in the world (and it was the 7th continent I have visited, and I've been to lots of remote places) . So one should expect to be obliged to buy a comprehensive travel insurance policy and it will be expensive. I suppose if you can afford a cruise in Antarctica you can afford the buy a very expensive travel insurance policy.
The policy provided me with "peace of mind" which is worth something.
The policy provided me with "peace of mind" which is worth something.
Cherrill S. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Vacation Renter Protector
Flight was delayed from Cartagena to Miami resulting in our missing our connecting flight home to Philadelphia. We had to pay for a hotel room in Miami that night. Submitted a very modest claim for a hotel room for less than $100. Was even able to obtain a written letter from AA verifying that our flight had been delayed. Nationwide has not been responding to my inquiries a month later. Claims processing is apparently backed up. Insuremytrip.com, which is always responsive, indicates processing is taking 90 days. To me that is so far below any reasonable standard of customer service, especially for such a simple and small claim, that I would not use this insurer again.
MARK P. would not
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
A couple things to note about this policy:
[1] On this trip I will be renting a car. I wanted to know whether nicks and scrapes, ones that I might ignore on my own car but that the rental agency might focus on and demand payment, will be covered. It was very hard to get an answer--several calls and emails. Basically they were saying that I'll find out what's covered when I make a claim :-( I finally got to someone who said that damage to the car would only be covered if there were a police report, which of course you wouldn't have if the rental agent tried to get you for a nick when you were returning the car. If this is not a concern to you, then the car rental coverage seems to be a good deal compared to other comprehensive policies.
[2] Notice that only PREPAID expenses are covered. I looked into this policy for a trip where I am paying with points, but there will have a large monetary penalty if i have to cancel. Even if I have to cancel for a covered reason, the policy does not cover cancellation penalties--only nonrefundable prepaid expenses.
[1] On this trip I will be renting a car. I wanted to know whether nicks and scrapes, ones that I might ignore on my own car but that the rental agency might focus on and demand payment, will be covered. It was very hard to get an answer--several calls and emails. Basically they were saying that I'll find out what's covered when I make a claim :-( I finally got to someone who said that damage to the car would only be covered if there were a police report, which of course you wouldn't have if the rental agent tried to get you for a nick when you were returning the car. If this is not a concern to you, then the car rental coverage seems to be a good deal compared to other comprehensive policies.
[2] Notice that only PREPAID expenses are covered. I looked into this policy for a trip where I am paying with points, but there will have a large monetary penalty if i have to cancel. Even if I have to cancel for a covered reason, the policy does not cover cancellation penalties--only nonrefundable prepaid expenses.
HOWARD E. would
recommend this plan to a friend or relative.
The trip included a
tour
Trawick International
Safe Travels Voyager
Filed a detailed claim for delayed flight due to weather. Insurer paid the stated policy limit within about 36 days with minimal additional requirement. Good performance.
William P. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Preferred
Just wish we had a coverage for lost items! I lost a 50th Anniversary Band!
Edward O. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
Of course, almost everyone who buys travel insurance doesn't use it, and they are only 'satisfied' because it gave them peace of mind. I bought the policy for medical coverage; fortunately nothing happened medically. But on the way home we were delayed by an ice storm for 36 hrs. I didn't realize that the delay was covered by the policy until i was shopping for another trip a couple months later and noticed that coverage. We were outside the designated period for giving them initial notice of a claim, but IMG did not enforce that on us, because we were still inside the period to document the claim. The claim process was OK, but became frustrating. I inadvertently gave an incorrect bank account number when filing the claim. I saw it immediately and wrote a secure message correcting it. I received notice that the claim was paid, but the money did not show up in my account. It took several weeks and multiple calls and emails to finally get them to send the money to the correct account.
There is an important piece of information I want to share with others who need to document a trip delay: IMG does not accept cancellation emails and boarding passes as evidence of the delay. They insist on a letter from the airline documenting the extent of the delay and the reason for it. Initially I was upset by that, because I assumed that such a letter would be impossible to get, and even if you could get one, you would have to wait hours on the phone. Then I learned something that IMG [and insuremytrip.com] should have told me: many airlines, including American, have a link on their website where you can get such a letter, which comes almost immediately by email.
There is an important piece of information I want to share with others who need to document a trip delay: IMG does not accept cancellation emails and boarding passes as evidence of the delay. They insist on a letter from the airline documenting the extent of the delay and the reason for it. Initially I was upset by that, because I assumed that such a letter would be impossible to get, and even if you could get one, you would have to wait hours on the phone. Then I learned something that IMG [and insuremytrip.com] should have told me: many airlines, including American, have a link on their website where you can get such a letter, which comes almost immediately by email.
HOWARD E. would
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
My wife and I had to use the doctor while on vacation and Nationwide did pay what my primary medical insurance did not cover. BUT I did not like is the paper work required. Here is an example of what they asked for: "...flight booking confirmation with dates of travel, cost and proof of payment which identify you as the traveler and document your entrance into and exit from the country or countries where medical services were received..." my first response was how the heck to I do this! I ended up sending the receipts from the airlines and that worked. The also wanted the EOB from my primary medical - once they got all of the info they did pay out just a few days later.
Just a lot of electronic "paper work" to get there.
Just a lot of electronic "paper work" to get there.
Richard G. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
We had to cancel our trip due to illness and the insurance was great, we got all of our expenses back! We were very impressed with how nice customer service was and how straight forward the process was.
Nathan L. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Preferred
Our trip to Iceland was interrupted by a winter storm that caused a government mandated closure of the roads and prevented us from getting to our return flight. We had to reschedule for the next day at an additional charge. Generali denied what would seem to be obviously a trip interruption and/or delay using logic that defies common sense. They are not to be trusted to do the right thing. The fine print is more important than their concern for their customers.
Richard M. would not
recommend this plan to a friend or relative.
-
Angie
Thank you for your feedback Richard. 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]May 22,2023