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.
I use Insure My Trip and Travel Guard whenever I take a trip where I feel insurance is necessary. My wife and I are in our 80's, so we are very concerned about making sure we qualify for the existing condition waiver, because if we get sick, it will probably be from a pre-existing condition. However, when I subsequently purchased the air fare for this trip, I forgot to immediately add the cost to the policy, and missed the 15 day purchase requirement. I still added it some 10 days later at a cost of over $400. However, it is my understanding that, because I missed the 15 day purchase requirement, I apparently voided a substantial part of my coverage, particularly the pre-existing condition waiver. And this is after I paid over $3,300 for the trip insurance coverage. This does not seem fair at all to me. I do my best to follow the rules, but void my coverage for a 10 day mistake. I believe that this is an overly restrictive provision. I have just purchased another travel insurance policy for a trip in 2019, but feel that these types of requirements are put in place as a means of denying coverage, which I do not think is fair.
Finley L. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
Thank you for your feedback on the policy. We are sorry to learn that you are dissatisfied with the plan. The AIG Travel Guard Gold does offer the pre-existing conditions waiver with the following requirements met:
"(1) This plan is purchased within 15 days of Initial Trip Payment;
(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the
Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;
(3) All Insured’s are medically able to travel when this plan cost is paid;
(4) The Trip Cost does not exceed 100,000USD per person
(only applicable to Trip Cancellation/ Interruption)."
As a travel insurance comparison website, we offer a wide range of plans. In the future, please call us at 800-487-4822 prior to purchasing a policy so that we can assist you in selecting a policy that best suits your needs.
All my claims were fully covered, even the medical Rx's incurred after we had our emergency return from the trip. Airline costs, medical costs, and lost vacation days due to our illness all covered and paid in full.
John E. 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 a plan that is no longer available.
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!
This is the second time I have bought this policy and fortunately I haven't needed to use it. But it makes me feel more comfortable to have it in the event I would need it.
Christina W. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
There is always a peace of mind having travel insurance. Fortunately there was no need for me to access the insurance. I will use "insure my trip" again for future travel. Thank you.
Jane F. would
recommend this plan to a friend or relative.
0 of
0 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
"(1) This plan is purchased within 15 days of Initial Trip Payment;
(2) The amount of coverage purchased equals all prepaid nonrefundable payments or deposits applicable to the
Trip at the time of purchase and the costs of any subsequent arrangements added to the same Trip are insured within 15 days of the date of payment or deposit for any subsequent Trip arrangements;
(3) All Insured’s are medically able to travel when this plan cost is paid;
(4) The Trip Cost does not exceed 100,000USD per person
(only applicable to Trip Cancellation/ Interruption)."
As a travel insurance comparison website, we offer a wide range of plans. In the future, please call us at 800-487-4822 prior to purchasing a policy so that we can assist you in selecting a policy that best suits your needs.