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
International Medical Group
iTravelInsured LX
Insurance Buyer Beware: Trip Interruption "for any reason" does not mean “for any reason”
Well, we recently travelled to Asia and bought an insurance policy called the "International Medical Group iTravelInsured LX plan". The policy from United States Fire Insurance/IMG iTravelInsured LX states the following in their contract "Interruption for Any Reason Benefit - up to 75% of Non-Refundable Trip Cost Insured"
Thus, in order to ensure we would be covered for all possible interruptions or delays, we spent the extra $ to get “Cancel for any reason” and “Trip Interruption for any reason”.
Soon after our travel began (first 24 hours) we faced a travel interruption at the airport, forcing us to buy new tickets and delaying our trip by 3 days. 2 weeks later in the trip we incurred another travel airline related interruption and also incurred lost baggage.
When we filed a claim for the 2 interruptions and lost baggage cases iTravelInsured rejected all 3 claims outright. The only written denial was related to the first, (and primary loss of $3,600) which was rejected because the “fine print” in the iTravelInsured LX plan states that payment for trip interruption could only be exercised 48 hours after the trip has started. We received verbal communication at that time from iTravelInsured that therefore we were also not eligible for the other 2 claims either.
Fortunately there is a formal grievance process for each loss which we filed along with tons of paperwork. After submission iTravelInsured did reluctantly pay for the second and third claim, but not the one that fell within the 48 hour exclusion.
So my advice to those reading this on insuremytrip is to note that it appears that you cannot ever get guaranteed coverage for the full length of your trip, from Travel delay through Trip Interruption, that “trip interruption for any reason” does not mean “for any reason”, and I would urge prospective insurers to re-consider buying these extended coverages or look elsewhere for policies that might cover your whole trip.
Also, given the reluctance by United States Fire Insurance/IMG iTravelInsured to fairly pay our claim the first time without going through formal grievances, I would suggest buyers to consider other policies on insuremytrip. We have bought insurance for dozens of trips and other than this company, when we have had to file a legitimate claim, the claims have been honored in a timely fashion the first time.
Well, we recently travelled to Asia and bought an insurance policy called the "International Medical Group iTravelInsured LX plan". The policy from United States Fire Insurance/IMG iTravelInsured LX states the following in their contract "Interruption for Any Reason Benefit - up to 75% of Non-Refundable Trip Cost Insured"
Thus, in order to ensure we would be covered for all possible interruptions or delays, we spent the extra $ to get “Cancel for any reason” and “Trip Interruption for any reason”.
Soon after our travel began (first 24 hours) we faced a travel interruption at the airport, forcing us to buy new tickets and delaying our trip by 3 days. 2 weeks later in the trip we incurred another travel airline related interruption and also incurred lost baggage.
When we filed a claim for the 2 interruptions and lost baggage cases iTravelInsured rejected all 3 claims outright. The only written denial was related to the first, (and primary loss of $3,600) which was rejected because the “fine print” in the iTravelInsured LX plan states that payment for trip interruption could only be exercised 48 hours after the trip has started. We received verbal communication at that time from iTravelInsured that therefore we were also not eligible for the other 2 claims either.
Fortunately there is a formal grievance process for each loss which we filed along with tons of paperwork. After submission iTravelInsured did reluctantly pay for the second and third claim, but not the one that fell within the 48 hour exclusion.
So my advice to those reading this on insuremytrip is to note that it appears that you cannot ever get guaranteed coverage for the full length of your trip, from Travel delay through Trip Interruption, that “trip interruption for any reason” does not mean “for any reason”, and I would urge prospective insurers to re-consider buying these extended coverages or look elsewhere for policies that might cover your whole trip.
Also, given the reluctance by United States Fire Insurance/IMG iTravelInsured to fairly pay our claim the first time without going through formal grievances, I would suggest buyers to consider other policies on insuremytrip. We have bought insurance for dozens of trips and other than this company, when we have had to file a legitimate claim, the claims have been honored in a timely fashion the first time.
Stephen E. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
-
IMG RR Team Account
International Medical Group
It’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at [email protected] to start the conversation.Oct 09,2019
The trip included a
tour
Generali Global Assistance
Standard
Easy to purchase...fortunately I did not have to use it!
Patricia B. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
What I needed at an affordable price with none of the extras to jack up the price.
Joan S. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
Never had to file a claim. Still I benefitted from the peace of mind that came with it.
Richard G. would
recommend this plan to a friend or relative.
The trip included a
tour
John Hancock
Gold
I have not had to file a claim, as I suffered no mishaps. I was glad to have the peace of mind the policy provided.
Dorothy J. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
Fortunately no emergencies but we were happy with the plan and the reasonable cost and will use you again ... Thanks
Frederick N. would
recommend this plan to a friend or relative.
The trip included a
tour
John Hancock
Gold
No problems - I find trip insurance very expensive. We usually tale three trips a year and rarely use it. Out of thirty trips in the last ten years I needed to file a claim once.
William F. would
recommend this plan to a friend or relative.
John Hancock
Gold
I was particularly pleased when I purchased the plan how the consultant walked me through the various coverage options. Everything was presented clearly and concisely to arrive at a quick solution for me.
John Richard 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
We had two claims, both quite small, and both were handled very unprofessionally from our point of view. The first, a cancellation to the original trip, was denied, and they gave a "reason" which I thought was wrong, backed by paragraphs in the terms and conditions that simply didn't refer to our case at all. When I complained to the very nice Customer Service representative -- they were always helpful and pleasant -- he said he would escalate it, and after a few days we were told that, "thanks to the additional information I had provided" they would pay the claim. I had presented reams of backup information at the outset, but nothing at all after the denial, except to comment that I thought they should be ashamed at refusing a small claim when most of the covered expenses turned out to have been refundable -- it was months in advance of the trip. It seemed that they thought I would just accept their denial, but since I didn't, of course they would pay. Not good!
The second claim, a doctor's visit, was totally documented and was approved, but it took me three months to get the check. It had apparently been lost in the mail, and was of course never cashed, but they wouldn't even put in a stop payment order until it was a month late, and then "with the holidays" it took over a month to cut the new check. I certainly do not recommend them.
The second claim, a doctor's visit, was totally documented and was approved, but it took me three months to get the check. It had apparently been lost in the mail, and was of course never cashed, but they wouldn't even put in a stop payment order until it was a month late, and then "with the holidays" it took over a month to cut the new check. I certainly do not recommend them.
Jeremy H. 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 pleased to learn that AXA Assistance USA paid both claims. In the future, if you experience claim issues, please contact InsureMyTrip and request a Customer Advocate. Our Customer Advocates will contact the insurance provider on your behalf in an effort to expedite the claim process, and/or to help you construct an appeal. Please let us know if you have any questions or concerns. Our representatives are available 7 days a week by calling 800-487-4722.Mar 21,2016 -
Crystal
AXA Assistance USA
Thank you for taking the time to provide a review of your purchase. We apologize for any difficulties you may have experienced in filing your claims. We appreciate your comments and continually use customer feedback to improve our products and services. We hope you will consider us again for future travel.Mar 22,2016
The trip included a
tour
AIG Travel
Travel Guard Basic
Pleased with the ease of application process. Am happy to recommend this site to other travelers.
Jane C. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
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If you have any other questions, please call us at 800-487-4722.