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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 Spain rated our Comprehensive Plans
4.53 out of 5
1,785
ratings and reviews
96%
recommended
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Cruise
Filed claim
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.
adrian h. would recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for a plan that is no longer available.
  • Empty Comment
The trip included a
tour
C&F Travel Insured International Worldwide Trip Protector
I wanted to FILE A CLAIM BUT Could not GET ANY RESPONSE FROM THE COMPANY. I tried calling several times and no one answered the phone even after being on hold for ever. Finally I got in touch by email and got paid
Joyce G. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims
  • Zac
    Photo
    Thank you for your feedback. We are pleased to learn that your claim was paid.

    The travel insurance industry has been experiencing an increased volume of inquires and claims due to the COVID-19 pandemic and have been trying their best to address all requests in the order in which they are received.
    Aug 20,2020
TravelSafe Basic
I bought a ticket on an airline that cancelled my flight and refunded the cost. However, that meant I was unable to use a second connection on a different airline to get to my final destination. I was told that cost would not be covered by the trip insurance. I was also told that the airline would not cover an earlier return to protect ourselves due to Corona 19. Once again
It is impossible to foresee every eventuality and trip insurance actually covers very little.
Vicki U. would not recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
  • Erin
    Photo
    We appreciate you providing your feedback. TravelSafe has offered the following response:

    "Thank you for taking the time to leave your feedback. It's very important to Team TravelSafe and helps us make continued improvements. We are deeply sorry our products and services were not able to meet the needs of your specific situation. Like you said, it is impossible to foresee every situation, and that is something COVID-19 has brought to light for us.

    We are working hard to help our travelers learn more about our products so they can feel more prepared when purchasing travel protection for instances like pandemics. I don't think this was a scenario anyone could foresee. Our FAQ page can help give you a better understanding of how coverage applies during COVID-19, and we hope it helps travelers in the present and future. If you would like to review the information, please visit https://www.travelsafe.com/covid-19-travel-insurance-faq

    Please reach out to us if you would like to make an inquiry about appealing your claim."
    Apr 30,2020
Nationwide Mutual Insurance Essential
Ended up cancelling our trip to Spain due to what has been going on with the coronavirus. Made the cancellation before the 10 day window expired. Spoke to customer service who advised there were no refunds for NY residents. This contradicted what was in the certificate online in my account. They said it was in the confirmation email which of course was buried in fine print. Having purchased multiple plans using this service in the past this was extremely frustrating. Had an easier time getting credit from the airline who were much more supportive. I will be looking elsewhere to purchase insurance for my future travels.
THOMAS Y. would not recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
Generali Global Assistance Preferred
Cancelled my trip because of the c19 virus and was told I couldn’t claim anything what a joke this insurance was
James K. would not 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.
  • Erin
    Photo
    Thank you for your feedback. Generali has provided the following response:

    "We’re sorry the coverage didn’t meet your expectation. As stated in our policy documents, our plans only reimburse for non-refundable, pre-paid trip costs if you need to cancel your trip for a covered reason. It is important that you review your Description of Coverage, which are available before and after your purchase. We take the claims process very seriously and want our customers to make informed choices when purchasing travel insurance."

    For additional questions, please contact InsureMyTrip at 800-487-4722 where a licensed representative would be happy to assist you.
    Apr 29,2020
The trip included a
tour
Berkshire Hathaway Travel Protection ExactCare
Not having to use the plan was the best outcome, can't really speak to your services until needed, which I hope I never do, of course...
Peter S. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Brittany G
    Berkshire Hathaway Travel Protection
    Photo
    Thank you for your feedback, we appreciate it!
    Feb 28,2020
AIG Travel Travel Guard Gold
AIG took over 90 days to respond to my claim. And then they didn't cover the full cost as I expected.
Elton S. 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 an earlier version of the plan.
  • Empty Comment
Berkshire Hathaway Travel Protection ExactCare
Excellent! Husband had a stroke while out of the country and covered by this plan. Quick responses, easy filing process. Prompt payment! Couldn’t ask for better insurance plan, coverage, great price, perfect service.
Bruce M. would recommend this plan to a friend or relative.
1 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Carol
    Photo
    Thank you for your feedback. We hope that your husband is comfortably recuperating from his stroke.
    Feb 04,2020
The trip included a
tour
C&F Travel Insured International Worldwide Trip Protector Plus
Bought this plan for a trip to Spain and had to file a travel interruption claim. It took forever to get in contact with someone to file the claim when we got back. Then it took 2 months for Travel Insured to request additional paper work. Then it took over a month after that to fully process my claim for much less than I felt I was due. No communication during the 3 months besides the request for additional information. Horrible, horrible customer service and a ridiculously long processing time. Then barely an explanation of my claim amount and why it was less than 1/3 of my initial claim. Never again will I purchase a travel insured plan.
Scott B. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
tour
Nationwide Mutual Insurance Essential
My wife has some chronic medical issues so we need protection when we plan a trip. I shopped around and found this company. This was a great value and it offered multiple choices of plans. We almost needed it while traveling but fortunately everything worked out, but it was nice knowing that the policy was there. I will buy again on our next trip.
Michael C. would recommend this plan to a friend or relative.
Coverage
Value
Satisfaction
Claims not filed
  • Empty Comment
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