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
tour
TripAssure
Advantage Asset
I had booked a trip to Sulawesi in Indonesia back in Nov of 2018. When I made the initial booking, I purchased the travel insurance using the dates of my major flight component from LAX to Bali. I was coming from Colorado and I left the purchase of the first flight segment from DEN-LAX for later as well as the segment from Bali to Sulawesi. This was my mistake, since the flight out of LAX left at 15 minutes after midnight so when I eventually booked my flight from DEN-LAX it actual left the day before my insurance coverage started. I thought about updating the insurance, but since I had never ever used my travel insurance before I elected not to bother with the additional hassle.
I started the trip as planned, traveling from DEN-LAX on the evening prior to the start of my travel insurance. Half-way through the flight from DEN-LAX the pilot announced that due to a power outage at LAX our flight was being diverted to SLC. We arrived in SLC some time before 10pm. Upon arrival, the airline announced that they would not be offering us any accommodation. The airline rebooked me the next day to LAX connecting through OAK. SQ rebooked me on the same flight at 00:15 24 hours later. My flight from Bali to Sulawesi was a non-refundable ticket so I was forced to book a new ticket in business class, since that was the only seat left. I took a Lyft to a nearby hotel and checked in for the night. A check of my flight the next morning indicated that my flight to OAK was already delayed, which meant I now only had 30 minutes to make my connection. I headed to the airport where a helpful SW agent put me on the direct flight to BUR. I ended up renting a car in BUR and dropping it at LAX. From that point on everything, proceeded according to my rebooked plans.
At that point, the costs I had incurred were Lyft, hotel, car rental, and new business class ticket DPS-UPG. I did have some concerns, given that the precipitating event had actually occurred before my insurance coverage started, but I put a claim in when I returned home and hoped for the best. The claim process was very easy, forms were filled out and submitted online. It would have been nice if it generated something like an email detailing the claim or a way to print out your claim, for future reference. After a few months I received a couple of emails with electronic checks that were quick and easy to deposit. All but about $20 of my claim were paid out, so I was pleased and pleasantly surprised by the resolution.
I was happy with the final outcome, but the process could be improved. A "paper trail" just to document your claim for later reference would be a nice improvement. You are given a reference number to refer to your claim while it was being processed, but inaccessible once it has been paid out. It would have been nice to see a breakdown of the payout to understand what had been allowed or disallowed in the claim. Some additional transparency to the process would be a nice improvement.
I started the trip as planned, traveling from DEN-LAX on the evening prior to the start of my travel insurance. Half-way through the flight from DEN-LAX the pilot announced that due to a power outage at LAX our flight was being diverted to SLC. We arrived in SLC some time before 10pm. Upon arrival, the airline announced that they would not be offering us any accommodation. The airline rebooked me the next day to LAX connecting through OAK. SQ rebooked me on the same flight at 00:15 24 hours later. My flight from Bali to Sulawesi was a non-refundable ticket so I was forced to book a new ticket in business class, since that was the only seat left. I took a Lyft to a nearby hotel and checked in for the night. A check of my flight the next morning indicated that my flight to OAK was already delayed, which meant I now only had 30 minutes to make my connection. I headed to the airport where a helpful SW agent put me on the direct flight to BUR. I ended up renting a car in BUR and dropping it at LAX. From that point on everything, proceeded according to my rebooked plans.
At that point, the costs I had incurred were Lyft, hotel, car rental, and new business class ticket DPS-UPG. I did have some concerns, given that the precipitating event had actually occurred before my insurance coverage started, but I put a claim in when I returned home and hoped for the best. The claim process was very easy, forms were filled out and submitted online. It would have been nice if it generated something like an email detailing the claim or a way to print out your claim, for future reference. After a few months I received a couple of emails with electronic checks that were quick and easy to deposit. All but about $20 of my claim were paid out, so I was pleased and pleasantly surprised by the resolution.
I was happy with the final outcome, but the process could be improved. A "paper trail" just to document your claim for later reference would be a nice improvement. You are given a reference number to refer to your claim while it was being processed, but inaccessible once it has been paid out. It would have been nice to see a breakdown of the payout to understand what had been allowed or disallowed in the claim. Some additional transparency to the process would be a nice improvement.
Edward H. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Preferred
I am very happy to say that although it took a while for resolution to my claim, I did get a completely fair and just solution to my claim. I do understand with the Covid pandemic that delays are not unusual and understandable but nonetheless great customer service revolves on addressing consumer concerns which definitely was done. I would recommend both InsureMyTrip and Generali Global Assistance Insurance wholeheartedly and not hesitate to tell my family and friends this and look forward to using again once worldwidetravel becomes more available and safe. Thanks again for listening and acting positively on my claim.
Veda F. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Berkshire Hathaway Travel Protection
ExactCare
We had to make a claim on our plan, and the process was fantastic. I would 100% buy insurance from Birkshire-Hathaway Travel Protection Again.
We were scheduled to spend Christmas and New Years of 2019/2020 in Europe. We'd bought our airline tickets on miles, so initially didn't plan to even purchase insurance. But, then just a couple weeks before departure, I thought, "Well, stuff happens at the holidays and a lot of our accommodations are non-refundable, so maybe I should get a plan."
2-days before departure, one of our family members had an unexpected medical emergency that prevented us from going on the trip, and required emergent surgery.
I contacted BHTP to let them know we were going to have to cancel, and make sure I "read all the fine print" about my responsibilities related to cancellation. The fine print was reasonable, essentially stating that I had to promptly notify all the trip providers that I was canceling, and obtain whatever refund I could.
I did this, by email whenever possible for the purposes of easy documentation, and submitted my initial claim with BHTP.
I then sort of let things slide for a while. Canceling the trip was emotionally stressful, compounded when COVID came a couple of months later and we had to delay the "replacement' trip indefinitely. Our BHTP rep let me know that I had 1-year from the date of the initial claim to finish submitting documentation, and so I took my time.
Finally, last month (November of 2020) I realized I'd been procrastinating for too long and had better act. I collected all the required documentation. Because our trip was booked independently, we had over 10 individual items that we were claiming reimbursement for. AirBnbs, VRBO's, food and city tours, an EasyJet flight and train tickets, and a short-term rental booked direct with a local company.
When I gathered everything together and put it in a PDF, there were over 90-pages of documentation (receipts, cancellation emails, documentation of the refunds we were able to obtain, credit card statements and more) in addition to our actual claim form.
I summarized the charges in an excel sheet, to make life easier for the claims adjuster, and then sent it off.
I fully expected some back and forth, requests for additional documentation or attempts to refuse our claim on some technicality that I'd missed in the fine print.
I got none of that. This morning, about 3-weeks after submitting our final claim form and documentation, I got a notification that the full amount of our claim (Just under $6k) was sent to my Paypal account.
I would 100% purchase trip insurance from BHTP again, in a second. My interactions with customer service reps were pleasant and helpful, their claim process was not burdensome, and ultimately, our claim was paid promptly and without issue.
We were scheduled to spend Christmas and New Years of 2019/2020 in Europe. We'd bought our airline tickets on miles, so initially didn't plan to even purchase insurance. But, then just a couple weeks before departure, I thought, "Well, stuff happens at the holidays and a lot of our accommodations are non-refundable, so maybe I should get a plan."
2-days before departure, one of our family members had an unexpected medical emergency that prevented us from going on the trip, and required emergent surgery.
I contacted BHTP to let them know we were going to have to cancel, and make sure I "read all the fine print" about my responsibilities related to cancellation. The fine print was reasonable, essentially stating that I had to promptly notify all the trip providers that I was canceling, and obtain whatever refund I could.
I did this, by email whenever possible for the purposes of easy documentation, and submitted my initial claim with BHTP.
I then sort of let things slide for a while. Canceling the trip was emotionally stressful, compounded when COVID came a couple of months later and we had to delay the "replacement' trip indefinitely. Our BHTP rep let me know that I had 1-year from the date of the initial claim to finish submitting documentation, and so I took my time.
Finally, last month (November of 2020) I realized I'd been procrastinating for too long and had better act. I collected all the required documentation. Because our trip was booked independently, we had over 10 individual items that we were claiming reimbursement for. AirBnbs, VRBO's, food and city tours, an EasyJet flight and train tickets, and a short-term rental booked direct with a local company.
When I gathered everything together and put it in a PDF, there were over 90-pages of documentation (receipts, cancellation emails, documentation of the refunds we were able to obtain, credit card statements and more) in addition to our actual claim form.
I summarized the charges in an excel sheet, to make life easier for the claims adjuster, and then sent it off.
I fully expected some back and forth, requests for additional documentation or attempts to refuse our claim on some technicality that I'd missed in the fine print.
I got none of that. This morning, about 3-weeks after submitting our final claim form and documentation, I got a notification that the full amount of our claim (Just under $6k) was sent to my Paypal account.
I would 100% purchase trip insurance from BHTP again, in a second. My interactions with customer service reps were pleasant and helpful, their claim process was not burdensome, and ultimately, our claim was paid promptly and without issue.
Andrew H. would
recommend this plan to a friend or relative.
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
Its been a month since I submitted my claim, no response by email and no call back when I entered the virtual que.I realize they are busy currently, but some kind of response to any of my email and submissions over 30 days seems reasonable.
Update:
after 2 months, I did get an email asking for proof of the refunds I was able to get on my own of the total trip cost. I submitted that the same day.
after 5 months, the insurance company somehow got my airline tickets refunded by the airline which was nice since they were supposedly non refundable. They never communicated with me about it, just got the credit from the airline.
After 6 months, I still have a small deposit I had claimed and should be paid but I've heard no communication from the insurance company despite repeated attempts on my part for contact.
Additional update: their web site had changed several times and I finally found an update on my case there which shows the claim was "closed" 2 months ago. With no communication to me nor any response to the multiple emails I have been sending in the meantime.
I will certainly NOT recommend this company.
Final update: with the assistance of insure my trip, I finally got my claim paid. The lack of communication from the insurance company made for a very frustrating and time consuming process. I'm very pleased that Insure my trip stepped-up and helped me.
Update:
after 2 months, I did get an email asking for proof of the refunds I was able to get on my own of the total trip cost. I submitted that the same day.
after 5 months, the insurance company somehow got my airline tickets refunded by the airline which was nice since they were supposedly non refundable. They never communicated with me about it, just got the credit from the airline.
After 6 months, I still have a small deposit I had claimed and should be paid but I've heard no communication from the insurance company despite repeated attempts on my part for contact.
Additional update: their web site had changed several times and I finally found an update on my case there which shows the claim was "closed" 2 months ago. With no communication to me nor any response to the multiple emails I have been sending in the meantime.
I will certainly NOT recommend this company.
Final update: with the assistance of insure my trip, I finally got my claim paid. The lack of communication from the insurance company made for a very frustrating and time consuming process. I'm very pleased that Insure my trip stepped-up and helped me.
Erica P. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector Plus
It's been FIVE MONTHS since I filed my claim and...nothing. Every time I call, they say they're just about to look at it. They they promise the analyst will call me back. Then...nothing.
Travel insurance only works if the company responds when you need them to. This is not a company you can count on.
Travel insurance only works if the company responds when you need them to. This is not a company you can count on.
Peter J. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Megan
Thank you for allowing InsureMyTrip to advocate on your behalf. We are pleased to learn that CF Travel Insured provided you with reimbursement for your loss.
Please see the response from CF Travel Insured:
"We thank you for your feedback and apologize for any frustrations you’ve experienced. Call volumes hare very high at this time, but our relationship with our customers is very important to us. We appreciate your patience throughout the process."Dec 08,2020
Nationwide Mutual Insurance
Essential
Always nice to have trip insurance when we travel!
John C. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Nationwide Mutual Insurance
Essential
Nationwide is not on your side. I booked multiple trips and purchased multiple insurance plans with Nationwide. They failed every time. They acted poorly right out of the gate - starting with not returning calls to not paying a very small claim. I worked hard to minimize any losses even though I had insurance (or so I thought). My insurance cost $218 and my claim was a mere $283. I even emailed the CEO and never heard back. Apparently their poor way of treating people starts at the top. I was shocked at how devious and cheap they were. I have used other companies that charged more but settled claims quickly, fairly and honestly. Do yourself a favor and shop elsewhere. I do like InsureMyTrip - they did try to act on my behalf.
Randy P. would not
recommend this plan to a friend or relative.
-
Megan
Thank you for your feedback.
We are sorry to hear that you were unable to travel. Upon learning that your claim was deemed unpayable, we reached out to you about Nationwide making an exception to cancel the policy for a refund of premium. Nationwide needs additional information in order to determine if you meet the guidelines for a successful exception. Please contact us at 800-487-4722 for further information.Nov 20,2020
Berkshire Hathaway Travel Protection
ExactCare
Purchased the Exact Care plan for a recent trip to Mexico during hurricane season. On our departure day a named tropical storm hit us and flight was cancelled. We incurred another night stay at a hotel, as well as food cost. Saved all my receipts of expensive incurred and email communication from airline confirming cancellation, and submitted it with my claim. Claim was processed way sooner than company originally stated and my full claim was approved. Payment was received less than 24 hours after claim was approved. Will definitely purchase trip insurance from Berkshire Hathaway again. They will be my go to travel insurance company from now on.
Gabriela S. would
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Universal Cruise
I have purchased this plan two years in a row for cruises and have not made a claim. Because of Covid my cruise was cancelled this year 190 days in advance and I reached out to InsureMyTrip.com and they facilitated a refund which I was not expecting to happen. Thanks to Nationwide and InsureMyTrip.com for great customer service during these unprecedented times.
Henry W. would
recommend this plan to a friend or relative.
International Medical Group
iTravelInsured SE
Overall, I was sort-of satisfied with this policy; most of the expenses we incurred as a result of sickness while traveling were reimbursed promptly, but unexpectedly not all.
After checking in for a transatlantic flight at the end of our long weekend in Barcelona in December, I became so sick I could not (didn't want to - and nor would the airline have wanted me to) board the aircraft; on the advice of airport medical services I was hospitalized. After many hours and many tests, I was cleared to travel 48 hours later. The Sickness section of this policy covered the ambulance, all direct medical expenses and two hotel overnights for recovery. The Trip Interruption section covered the cost of new airline tickets. Surprisingly, though, none of the other approximately $320 expenses resulting from my sickness (e.g. taxi from hospital to hotel, meals, replacement airport bus tickets, additional parking fee for overtime days at US airport, basic clothing (our baggage had been checked and could not be retrieved quickly) - none of which were pre-paid) were covered.
We're experienced and very moderate travelers. $320 is not a big deal for two adults for two days. Nevertheless, I wanted to check whether this omission was accidental or intentional. If intentional, it is something that a traveling family (more people, possibly more time) should note. After checking with the insurance carrier I'm satisfied that they ruled correctly in accordance with their policies (a data breach and Covid-19 slowed down the review). Nevertheless, my common sense view is that these were unavoidable costs that most people would consider to be the result of Sickness, Trip Delay or Trip Interruption and thus covered.
The Bottom line - read the fine print of any carrier's policy VERY CAREFULLY to see if it meets your common sense expectation of coverage if an unexpected event occurs. You might be surprised. Would I use them again or recommend them? Maybe yes, but with my eyes wide open to the unanticipated hole in coverage.
After checking in for a transatlantic flight at the end of our long weekend in Barcelona in December, I became so sick I could not (didn't want to - and nor would the airline have wanted me to) board the aircraft; on the advice of airport medical services I was hospitalized. After many hours and many tests, I was cleared to travel 48 hours later. The Sickness section of this policy covered the ambulance, all direct medical expenses and two hotel overnights for recovery. The Trip Interruption section covered the cost of new airline tickets. Surprisingly, though, none of the other approximately $320 expenses resulting from my sickness (e.g. taxi from hospital to hotel, meals, replacement airport bus tickets, additional parking fee for overtime days at US airport, basic clothing (our baggage had been checked and could not be retrieved quickly) - none of which were pre-paid) were covered.
We're experienced and very moderate travelers. $320 is not a big deal for two adults for two days. Nevertheless, I wanted to check whether this omission was accidental or intentional. If intentional, it is something that a traveling family (more people, possibly more time) should note. After checking with the insurance carrier I'm satisfied that they ruled correctly in accordance with their policies (a data breach and Covid-19 slowed down the review). Nevertheless, my common sense view is that these were unavoidable costs that most people would consider to be the result of Sickness, Trip Delay or Trip Interruption and thus covered.
The Bottom line - read the fine print of any carrier's policy VERY CAREFULLY to see if it meets your common sense expectation of coverage if an unexpected event occurs. You might be surprised. Would I use them again or recommend them? Maybe yes, but with my eyes wide open to the unanticipated hole in coverage.
adrian h. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
Please see the response from C&F Travel Insured regarding your review:
"We thank you for your feedback and apologize for any frustrations you’ve experienced. Call volumes hare very high at this time, but our relationship with our customers is very important to us. We appreciate your patience."