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
AXA Assistance USA
Gold
We purchased this policy to cover unlikely weather events that would prevent our adventure cruise from operating, per the recommendation of the adventure cruise company as they would not reimburse under those circumstances. A category 5 tropical storm (hurricane) then occurred damaging the ship irreparably preventing us from going on this cruise. This event was clearly covered in our policy, yet AXA denied our claim, denied 2 appeals, then advised us to take our issue to our state insurance commissioners office. We did that and eventually received compensation. This took over 4 months from when our claim was filed. While we received prompt and courteous response from the customer service reps, we were repeatedly denied direct access to any of the adjusters who denied our claim to have them explain their reasons, which changed with every denial. This process was very stressful as we were to loose $7500 in what was so clearly covered by the policy. This is the first time we have filed a travel insurance claim so we don't know if all insurers are like this or just AXA. However, we believe most customers would not go this far to be reimbursed and insurance companies know this.
Mary R. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Zac
Thank you for your feedback on the policy. We are sorry that you were dissatisfied with your claim experience. We are pleased that you ultimately received reimbursement of your loss. Based on your review, it appears you took the steps that we would have recommended, but 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 [email protected], explaining the events which resulted in a claim, and the challenges you are facing.Oct 25,2016
The trip included a
tour
AXA Assistance USA
Silver
I mean I didn't need it so it was good lol if something happened maybe it would be different. Good price though!
Jennifer L. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Having trip coverage certainly helps you focus on the important things like enjoying the travel experience and destination.
We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
Jul 08,2016
Generali Global Assistance
Standard
Came home safe
With no need for a claim.
Felt safe that I bought the
Policy.
With no need for a claim.
Felt safe that I bought the
Policy.
Johanna P. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
AXA Assistance USA
Gold
I fell in New Zealand and had a large bruise on my leg. The international telephone number was not working so I could not ask about special accommodations on my flight home.
Gordon H. would not
recommend this plan to a friend or relative.
The trip included a
cruise
John Hancock
Gold
I routinely buy travel insurance but this is only my second claim in 10 years! My luggage was delayed 3 days.
After I emailed the company for directions, submitting the claim online (with scanned docs) was easy, and I was never asked to re-send anything. The only curious thing is, since this was a policy insuring two people, my baggage loss claim was split between my husband and me. Half the claim arrived 2.5 weeks before the other one, which caused initial confusion on my part and a concerned call to the agency. It would have been helpful to receive an explanation with the first check that the second half was on its way - or having two checks in the same envelope would have been a good idea!
Either way, it's done now, and I am happy with the answers I got on the phone while we were in New Zealand as well as with the smoothness of the online claims procedure. I will buy from this company again.
After I emailed the company for directions, submitting the claim online (with scanned docs) was easy, and I was never asked to re-send anything. The only curious thing is, since this was a policy insuring two people, my baggage loss claim was split between my husband and me. Half the claim arrived 2.5 weeks before the other one, which caused initial confusion on my part and a concerned call to the agency. It would have been helpful to receive an explanation with the first check that the second half was on its way - or having two checks in the same envelope would have been a good idea!
Either way, it's done now, and I am happy with the answers I got on the phone while we were in New Zealand as well as with the smoothness of the online claims procedure. I will buy from this company again.
Carlton K. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Generali Global Assistance
Standard
Had to cancel trip due to ill mother, claim was not paid, said she had a pre-existing condition, She's 90, all her conditions are pre-existing!
diana b. would not
recommend this plan to a friend or relative.
3 of
3 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 CSA Travel Protection Custom plan does not exclude coverage for pre-existing medical conditions for non-traveling family members. However, the reason for cancelling the trip must be unforeseen when the policy is purchased. Please call us at 800-487-4722 if you have any questions or concerns.May 27,2016
GoReady Insurance
Choice
I had a medical emergency. I called April Travel Insurance to find out where to go. The initial call took forever, I believe almost 25 min. The girl processing my call was VERY slow and ask me for every travel detail that was listed on my policy. She finally directed me to go to an Urgent Care 20 minutes from my hotel, which at the time I did not know the distance. Since I did not have a car, I had to take a taxi. When I arrived at the Urgent Care, I learned that it was closed for the day, so my taxi driver found an Urgent Care 1 block from my hotel. I incurred a $50 taxi expense, which April Travel refused to pay, even though it was their incompetency that led to such a ridiculous and unnecessary expense. I will never use this company again. I guess you get what you pay for. The cheapest = poor and incompetent service!
JAMES L. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Zac
Thank you for your feedback on the policy. April Travel Protection has issued the following reply:
"We are saddened to hear of this client’s Assistance case. APRIL prides itself in providing exceptional Customer and Assistance services to all policyholders. It appears that the business hours provided by our network of providers for the 2015 holidays was inaccurate and led to this unfortunate scenario the same day of the client’s departure to their covered trip. The reimbursement of the taxi expense was provided by APRIL and the check was cashed by the client on May 2, 2016.
We apologize for the inconvenience this may have caused you. We hope to have you as a returning customer in the near future."Jun 16,2016-
JAMESL
Zac, On March 31st I requested a review of my claim. On May 2nd I received and cashed the reimbursement check for the denied taxi charge. The check came with NO explanation. The very next day I received, via email, this response from the claims department:
"Dear Ms. Lockwood,
As the claims administrator for American Modern Home Insurance Company, we received your appeal in our office on March 31st 2016, relating to your Trip Medical claims. We have reviewed the facts related to your loss and have determined that our original position of your claim must stand.
The Taxi cost is not a covered benefit under the Accident or Sickness Medical Expense benefit regardless of the circumstances. Please refer to your policy for valid benefits...."
So even though they ended up paying the claim in full, I highly doubt I would ever deal with this company again.Jun 16,2016
-
Nationwide Mutual Insurance
Essential
Purchasing the insurance was easy. Since we had no reason to file a claim it's impossible to know whether to be satisfied with the company or not.
Bryan J. would
recommend this plan to a friend or relative.
AXA Assistance USA
Gold
I didn't need to use the plan at all, thank heavens. I did feel secure knowing it was there.
Elizabeth H. would
recommend this plan to a friend or relative.
-
Crystal
AXA Assistance USA
Having trip coverage certainly helps you focus on the important things like enjoying the travel experience and destination.
We appreciate the opportunity to provide coverage for you and hope you will consider AXA Assistance USA for future travels.
Mar 29,2016
The trip included a
cruise
AXA Assistance USA
Silver
This was a last minute purchase for a long planned trip. It was fast and easy. My wife wanted some protection for a long trip. This did it.
Thanks
Thanks
John B. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
-
Crystal
AXA Assistance USA
Thank you for the kind review! We are delighted to know you’re happy with your purchase and had a trouble-free trip but were covered in the event the unexpected occurred. We look forward to providing travel protection for all of your future endeavors!Mar 25,2016