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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.

Customers who have visited Peru rated our Comprehensive Plans
4.52 out of 5
777
ratings and reviews
96%
recommended
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Cruise
Filed claim
The trip included a
tour
International Medical Group iTravelInsured LX
Do not do business with this company! Truly the worst experience with an insurance company I ever had. The company denied my claim because: “United Airlines indicates the purchased airline tickets have a credit value that can be applied toward future travel. A credit is not considered a loss until the credit is no longer available for use. United has indicated the credit is valid for one year from the issue date. The issue date is November 20, 2019. Additionally, they have indicated change fees would be waived for these tickets if exchanged. In the event the credit remains unused and is not reissued prior to the expiration date, please contact iTI® at 866.243.7524 once the credit has expired for further claim consideration. Documentation will be required from the United Airlines stating credit has expired and was not used.”

This decision is not only at odds with public policy on corporate responsibility in an unprecedented business environment, but is incorrect for the following legal reasons:
1. I purchased non-refundable airline tickets for a trip that we preemptively canceled due to the Covid-19 Pandemic using the Cancel for Any Reason provision within our policy. Had we not taken these preemptive measures to protect our family and fellow world citizens out of an abundance of caution, we would have been entitled to a full refund of the airfare when the flight was officially canceled.
2. I was unable to find an explicit stipulation that a non-refundable airline travel credit must expire before a claim can be filed identified in the terms and conditions of my policy. Moreover, while the “loss” they referred to as basis for denial is not a defined term in my insurance policy, it is generally accepted that a loss refers to the monetary injury that results from the occurrence of the contingency for which the insurance was taken out. There is no situation that will occur to make non-refundable travel credits refundable. These credits cannot legitimately be construed as monetary currency, and as such we incurred the loss on the date we canceled the flights.
3. We specifically indicated on the Authorization form of our claim that we will not be using our airline tickets and included a copy of the electronic ticket confirmation which included the ticket numbers as appropriate. It is our expectation that the company would follow standard business practice and request the airline void any non-refundable credits pursuant to the claim and pay out on the legitimate claim submitted. We are absolute in our statement that we will not ever use these credits, as we do not plan to travel by plane at any time in the foreseeable future.

The Company denied my appeal without addressing the points noted above, instead citing general policy language regarding irrelevant terms, which explicitly construed were satisfied - very bizarre.
Bonnie L. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for a plan that is no longer available.
  • Empty Comment
The trip included a
cruise
International Medical Group iTravelInsured LX
extremely difficult to get info from for claim and very slow
Joseph A. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
Note: This review is for a plan that is no longer available.
  • Megan
    Photo
    Thank you for your feedback.

    We would like you and our other customers to know all travelers that purchase a policy through InsureMyTrip have access to our Anytime Advocates® program. This unique program is designed to save our travelers time and money by contacting the travel insurance provider directly to smooth out any kinks in the claims process. The InsureMyTrip Anytime Advocates® will help any customer with:
    Claims assistance
    Receive expert advice on how to navigate the claims process and file a claim properly with your travel insurance provider.
    Dispute resolution
    Anytime Advocates® will check the status of a claim. If a claim is denied, an advocate will work on behalf of the customer to learn why or to help with the appeal process.
    Sep 11,2020
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector
Thank heavens we didn't need the plan, although with the coronavirus pandemic happening during our trip, we were very happy to have the insurance.
Deborah M. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
cruise
tour
C&F Travel Insured International Worldwide Trip Protector
My wife and I were on a land and sea vacation with Princess Cruises. My wife became ill the last 3 days on the Coral Princess. We had to see the doctor at 3:45am. When we returned home I submitted the appropriate paper work required by C&F Travel insurance. Three weeks later I received an email from them stating that they approved our claim and a check would be sent to us in about on week. Glad we purchased the travel insurance. We have purchased travel insurances in the past on many of our trips and never used it. On this trip it paid off!!
We did pay for the option of making this insurance our primary so we did not have to submit multiple paperwork. One negative comment is that when submitting documents via email to C&F you can only send a maximum of a 12mb file which was not stated in there forms. I had to submit 2 different files.
I would recommend C&F Travel Insured International Worldwide Trip Protector. In my case, they came through!

L&B
Leon S. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
tour
Travelex Travel Basic
Since I never needed to use this plan, we really can't comment on how effective or useful it was!
Janet M. 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
The trip included a
tour
Generali Global Assistance Custom
My friend and I had to cancel our Peru tours due to flight delays as a result of adverse weather. Got full refund for the tour paid in an expedient manner. It was much appreciated!
UPDATE: My review above was for CSA. Looks like the company's name has changed to Generali Global Assistance. I'm not sure if it's the same company!?
MINDY S. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Melissa J.
    Photo
    Thank you for your feedback on your policy. CSA is now Generali Global Assistance. Please contact us at 800-487-4722 if you have any questions.
    Jan 20,2020
International Medical Group iTravelInsured SE
The plan coverage to cost ratio was great. I did make one small claim for about $175. Unfortunately it took FIVE months for them to process and deposit my claim into my bank account. FIVE months. I have 27 correspondences with them via and 9 phone call records on my phone. I can't even tell you how many questions (emails) went unanswered. I finally had to employ the assistance of a claims specialist from InsureMyTrip.com to look into this. Coincidentally just days later I received my reimbursement. Just a little communication from IMG would've eased the process and kept me from wondering what was going on. I received so much mis-information from them it's not even funny. I felt like I was a supervisor there who needed to constantly remind the staff to follow-up and reiterate repeated information over and over. I booked another plan for the current trip that I am on and it was NOT with IMG.
James M. 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 a plan that is no longer available.
  • Melissa J.
    Photo
    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. 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.
    Jan 09,2020
    • JamesM
      Photo
      Yes, thank you. As I mentioned in my review I did indeed reach out to a Customer Advocate, very awesome to have! Thanks!
      Jan 09,2020
C&F Travel Insured International Worldwide Trip Protector
I didn't have to use the plan. I felt comfortable with comparing it to other companies. I feel it was the best choice for me! I never travel abroad without insurance.
Sandra D. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
The trip included a
tour
Generali Global Assistance Preferred
We had to cancel our trip at the last minute due to extreme health issues. Everyone at Generali was very helpful and kind and were able to help me get the information I needed to complete the claim. I was able to get our money refunded. I will definitely plan to work with them again.
Sonja M. would recommend this plan to a friend or relative.
3 of 3 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
AIG Travel Travel Guard Silver
Hello, I did not use the plan so I cannot really evaluate it.
Margarita B. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
  • Empty Comment
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