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.
They don’t cover for protests and riots which would be an unexpected event in an otherwise stable region (Europe). I believe it is something insurance should cover being the unexpected event it is.
I wouldn’t recommend insuring your trip with this company.
Jamie F. 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.
We have received the following response from your provider, Travelex:
"Thank you for taking the time to post about your experience on Insure My Trip.
The Travel Select policy purchased is a Named Peril Policy, meaning any reason for Cancellation or Interruption is listed in the policy details, and if it is not listed, then there is no coverage. The policy details which were sent to you, via email, on October 11, 2019, at 6:31 pm, when the policy was purchase, also lists the exclusions.
The exclusions listed on the Travel Select plan are standard in the Travel Insurance Industry and do reference very specific scenarios. However, other similar events could be eligible for coverage, such as an Strike which delays your Common Carrier, as noted on page 4, and defined on page 15 of the policy details.
We empathize with your unfortunate situation. However, it is important to remember that insurance is highly regulated, and all claims are determined based on the documentation submitted in relation to the policy that was purchased.
Couple days before I went to Barcelona, the city erupted in demonstrations. Airport shut down. Roads shut down. Mass demonstrations. Many people injured. Wanted to cancel the trip, but HTH says that is not a covered event.
So I went. First night, mass demonstration couple blocks from my hotel got out of hand. Barricades burning in the street in front of the hotel, and anti-tourist graffiti spray painted on the hotel's front door. Parked cars torched on the street around the corner.
Couple days later, general strike and over 500,000 demonstrators in the streets. Metro, buses, tourist sights (Sagrada Familia), and most stores shut down.
Every day, demonstrations somewhere turning violent. TV news showing molotov cocktails being thrown at the police and all the rest of the chaos.
But that is not a covered reason to cancel. Just...Have a nice vacation.
JOHN R. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for an earlier version of the plan.
Thank you for your feedback. We are glad to hear that you made it home safely. Unfortunately, civil unrest is not a covered reason to cancel your trip in any travel insurance plan. Civil unrest is not included in the definition of a "Terrorist Incident (which) means an incident deemed a terrorist act by the United States Government that causes property damage or loss of life."
In order to have coverage for cancelling this trip, you would have needed to purchase the optional Cancel for Any Reason coverage.
We had to cancel the trip due to what was happening in Barcelona. The airport was cloed and rioting was all over the city. People could not even get to the airport. This went on all week. We were supposed to fly on Wednesday and cancelled the trip. American airlines finally refunded my money. On Monday 53 people were injured at the the airport and the worst day of rioting in the city was Friday.
We did not go. Onthe 14th, the airport was closed and 53 people were injured there.I cancelled the flight on the morning of the 16th due to problems all over the city.People could not even get to the airport, ships docked in other cities and rioting broke out all over. This to me was terrorist attacks created by the Catalon seperatists against the Spanish government. American Airlines finally refunded my money. The insurance was useless.
Susan C. 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.
Thank you for your feedback. We regret that your Nationwide Essential plan did not meet your expectations.
Trip cancellation is a standard benefit offered with most travel insurance comprehensive plans. This travel insurance benefit provides reimbursement of your pre-paid, non-refundable expenses should you need to cancel your trip unexpectedly for a covered reason.
In all comprehensive travel insurance policies there will be an included list of covered reasons for cancellation. These are situations the insurance company considers legitimate as factors in making the decision to cancel your trip. It’s essential that you are familiar with this list of covered reasons in any insurance policy you’re considering purchasing since these are guidelines by which any claim you may need to file will be judged. The plan certificate is available for you to read before making a purchase.
After reading through the plan certificate, you may not be comfortable with the list of covered reasons provided to you. You may need more flexibility in making the decision to cancel your trip, you may want to consider purchasing a Cancel for Any Reason benefit.
InsureMyTrip is open 7 days a week, 365 days a year, and our customer care representatives are licensed insurance agents who are able to recommend the most cost effective plans which will cover the travelers primary concerns. If you would like to receive assistance in obtaining a quote or purchasing a policy, please call us at 800-487-4722 as we would be happy to assist you.
C&F Travel Insured InternationalWorldwide Trip Protector Lite
We were not able to get our money back on the air as they siad what was going on in barcelona was not terrorism. The airport was closed ,53 people were injured and there were problems all over the city. American Air finally refunded my money. The insurance was useless. We cancelled our trip.
Diane P. would not
recommend this plan to a friend or relative.
Thank you for your feedback. Unfortunately, civil unrest does not meet the definition of Terrorism in your policy.
“Terrorist Incident”
means an act of violence, that is deemed terrorism by the United States Government other than civil disorder or riot (that is not an act of war, declared or undeclared) that results in loss of life or major damage to property, by any person acting alone or in association with other persons on behalf of or in connection with any organization which is generally recognized as having the intent to overthrow or influence the control of any other government."
While I did not have a claim on this trip, the coverage provides peace of mind should something happen. I did file a claim on a different C&F policy a year ago and the claim was paid completely, saving me $4,000 of out-of-pocket expenses.
Paul 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 an earlier version of the plan.
I was very happy that I did not have to use this plan, but it was very nice the feeling of knowing that I had this support just in case something happened.
Gerardo N. 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.
The best part of this plan is that I did NOT use it - - However, I had the peace of mind that the coverage was there if I needed it - - a number of years ago, we had to cancel a cover trip at the last minute due to a death in the family - - insurance coverage was complete & the claim process was quick & easy. I would never plan a big trip (out of the country) without travel insurance.
Douglas B. 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 taking the time to post about your experience on Insure My Trip.
The Travel Select policy purchased is a Named Peril Policy, meaning any reason for Cancellation or Interruption is listed in the policy details, and if it is not listed, then there is no coverage. The policy details which were sent to you, via email, on October 11, 2019, at 6:31 pm, when the policy was purchase, also lists the exclusions.
The exclusions listed on the Travel Select plan are standard in the Travel Insurance Industry and do reference very specific scenarios. However, other similar events could be eligible for coverage, such as an Strike which delays your Common Carrier, as noted on page 4, and defined on page 15 of the policy details.
We empathize with your unfortunate situation. However, it is important to remember that insurance is highly regulated, and all claims are determined based on the documentation submitted in relation to the policy that was purchased.
Kind Regards,
Amber"