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
Global Alert!
Preferred
We filed a claim when my husband took ill while we were on vacation in South Africa. TripMate, the insurance company behind Global Alert, took a very long time to process our claim after we returned home and filed the claim. Additionally, TripMate told us the medical coverage was secondary to our health insurance when that was not the case; TripMate should have paid the hospital directly, which they did not, so we had to pay out of pocket and then recover the hospital and medical expenses. We have finally received full payment for the claim but that happened only after the folks at InsureMyTrip got involved. The Customer Care department of InsureMyTrip is wonderful and they contacted TripMate on our behalf until the claim was finally paid. If you have a problem with any policy sold by InsureMyTrip, they will stand behind it! To summarize - I do not recommend TripMate or Global Alert insurance based on our experience but I definitely do recommend InsureMyTrip.
Meryle M. would not
recommend this plan to a friend or relative.
7 of
8 people found this review helpful
John Hancock
Bronze
I felt the John Hancock name was the best fit for me. I was confident if I needed to cancel my trip, they would honor the contract. I will definitely use them again for any upcoming trips.
Shauna E. would
recommend this plan to a friend or relative.
The trip included a
tour
TravelSafe
Classic
All policies are great when you do not need to use them!
Brenda R. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Silver
Had peace of mind.
Valerie B. would
recommend this plan to a friend or relative.
The trip included a
tour
AXA Assistance USA
Gold
The coverage was good and there was a waiver for pre-existing conditions, which I felt was of great value.
Richard M. would
recommend this plan to a friend or relative.
C&F Travel Insured International
Worldwide Trip Protector
Had a claim and they were great in taking care of it.
Donald S. would
recommend this plan to a friend or relative.
The trip included a
tour
InsureandGo
Global Silver
Good coverage. Gave me a sense of well being for unforeseen events in a challenging part of the world. Provided security, even though I did not need to make use of policy.
Charles R. would
recommend this plan to a friend or relative.
The trip included a
tour
InsureandGo
Global Silver
The customer service and email communication was convenient and clear. The price was good.
Alice H. would
recommend this plan to a friend or relative.
The trip included a
tour
Arch RoamRight
Essential
Never used the plan, so am unable to comment., It was disappointing to learn that my granddaughter and I were not covered for injury due to civilian unnrest/rioting in another country, Your policy states; If within 30 days of Your departure, a politically motivated Terrorist Attack occurs within the territorial limits of a City listed on Your itinerary. The Terrorist Attack must occur after the Effective Date of Your Trip Cancellation coverage.“Terrorist Attack†means an incident deemed an act of terrorism by the U.S. Government.
Otherwise, the policy the policy excludes:
War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war.
Otherwise, the policy the policy excludes:
War, invasion, acts of foreign enemies, hostilities between nations (whether declared or not), civil war.
Marilyn S. would not
recommend this plan to a friend or relative.
-
Carol
Thank you for providing feedback. Unfortunately, comprehensive travel insurance policies exclude war, acts of war, civil unrest, insurrection and similar events for all types of coverage. Those plans that cover Terrorism are eluding to Trip Cancellation and Trip Interruption coverage, not for Medical Coverage.Feb 19,2016
The trip included a
tour
John Hancock
Silver
The John Hancock Silver Travel Plan provided comprehensive coverage at a reasonable cost for our Trip. I was reluctant to buy travel insurance for this trip because it was so expensive. But I was nervous not to buy insurance as well, given the nature and cost of our travel plans. JH Silver plan was perfect for us.
Kevin M. would
recommend this plan to a friend or relative.
We are pleased to learn that your claim has been paid. Thank you for allowing InsureMyTrip to advocate on your behalf and assist you in getting your claim resolved. We apologize on behalf of the claims administrator for the lengthy claims process and confusion over whether the medical coverage is primary or secondary. In general, the medical expense benefit provided on comprehensive travel insurance plans is in excess of your primary health insurance.
"If at the time of the occurrence of any Loss there is other valid and collectible insurance or indemnity in place, We shall be liable only for the excess of the amount of Loss, over the amount of such other insurance or indemnity, and applicable deductible."