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
cruise
tour
Nationwide Mutual Insurance
Prime
Purchased a plan on 3/5/2020 for a dream trip to Norway. We put together an itinerary including Flights to UK, cruise to Norway from Southhampton and then Cruise to New York on Queen Mary 2. Today was the date on which we had to make the final payment on the cruises. Since the cruise was not until August We thought we might be able to rely on the travel insurance in case one of the cruise lines or the airline cancelled part of the trip. Just to be sure, I called Nationwide customer service to make sure we would be covered. Imagine my surprise to find out that if any of the cancellations were due to coronavirus it would not be covered because it was not a listed peril on the policy. The customer service representative explained that unless the reason for trip cancellation or delay was due to a listed peril in the policy then it was not covered.
An example: The policy states "The company will reimburse you if your miss your connection due to inclement weather" they will reimburse you for expenses and pre-paid nonrefundable trip payments fr the unused portion of your trip. However if the flight is cancelled due to mechanical problems you are up the creek, because that is not a listed peril.
So this is not really insurance, it is a guessing game to see if your crystal ball works well enough to figure out what could possibly go wrong months in advance of your trip and then find a policy from some company that covers all of the stuff you came up with. Good luck with that.
Basically unless you are injured or fall ill or heaven forbid die, due to an unforeseen incident and not related to any of the page full of exclusions, you are covered. If your flight is delayed or canceled due to weather you are covered. Anything else - tough luck.
So it looks like we will get a cruise credit for the cruise portion of the trip and the airlines are also offering free changes for most flights. Nationwide has "voucher program" which MAY offer partial credit to transfer some or all of the cost of your unused travel policy to a future trip. I must say I'm not expecting much after speaking to their "customer service" people.
I'm sure glad automobile and life insurance is better than travel insurance. I think it should be called something else.
An example: The policy states "The company will reimburse you if your miss your connection due to inclement weather" they will reimburse you for expenses and pre-paid nonrefundable trip payments fr the unused portion of your trip. However if the flight is cancelled due to mechanical problems you are up the creek, because that is not a listed peril.
So this is not really insurance, it is a guessing game to see if your crystal ball works well enough to figure out what could possibly go wrong months in advance of your trip and then find a policy from some company that covers all of the stuff you came up with. Good luck with that.
Basically unless you are injured or fall ill or heaven forbid die, due to an unforeseen incident and not related to any of the page full of exclusions, you are covered. If your flight is delayed or canceled due to weather you are covered. Anything else - tough luck.
So it looks like we will get a cruise credit for the cruise portion of the trip and the airlines are also offering free changes for most flights. Nationwide has "voucher program" which MAY offer partial credit to transfer some or all of the cost of your unused travel policy to a future trip. I must say I'm not expecting much after speaking to their "customer service" people.
I'm sure glad automobile and life insurance is better than travel insurance. I think it should be called something else.
Don E. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
After waiting over 40 days for this company to honor my claim I had to contact Insure My Trip. Within 4 days, this company reviewed and paid my claim. I sent EVERYTHING to this company on February 20th including all medical records, emergency room records, and all of the documents they required along with letters from my physician and travel agent. They had ALL the documentation they needed on February 20th, and I finally received a check on April 10th ONLY after contacting Insure My Trip. I would not use this company again!
Floyd S. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Tokio Marine HCC Medical Insurance
Atlas Expedition
We just returned from a Alaska cruise sailing from Seattle. We used the Port Valet service where you leave your bags outside your door on the ship the night before disembarkation. We had four bags tagged with the preprinted SWA luggage tags. The program is free and the bags are supposed to be transported to your home airport. When we got there only three bags. So we filed a missing bag report with SWA. Port Valet said we only checked three bags which is untrue. I called the insurance to file a claim since I was missing my custom made orthopedic shoes in addition to souvenirs from our trip. I was told they were closed and the guy I spoke with would send me a copy of my policy. I have yet to get my bag four days later, but SWA called and found it the evening I arrived home. Apparently, this insurance only covers delayed baggage on the outbound trip. I called on Monday to file a claim, but I am SOL! I can only file a claim if I don't get it back, and the insurance only covers what SWA doesn't since I'd need to file a claim with them first. Make sure you know what your getting before purchasing! I'm glad I didn't have more issues on this trip. I get the feeling this insurance company will do anything it can to avoid paying claims.
Mary F. would not
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
tour
Generali Global Assistance
Standard
Not very easy to get started, but reasonable in what they covered.
Paul K. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
Everyone should travel with this insurance. We had problems with a very uncooperative airline. But these people took care of things. Thank you!
Rodger D. would
recommend this plan to a friend or relative.
The trip included a
cruise
AIG Travel
Travel Guard Silver
Although payment was eventually made under the plan, it was very difficult to get information on the status of the claim. This, of course, could be because of the Coronavirus situation, but attempts to call by phone were of no avail. I was on hold for over an hour snd had to finally give up. Emails were also not answered. It was only after I contacted InsureMyTrip and told them of my problem that I received payment.
Myron B. would
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
C&F Travel Insured International
Worldwide Trip Protector Lite
Good Coverage for a reasonable price. I did not have to file a claim but based on other people reviews, the process seems to be easy and they seem to be very responsible.
Will use again.
Will use again.
mario m. would
recommend this plan to a friend or relative.
The trip included a
tour
John Hancock
Silver
This is the first time I've had to file a travel insurance claim. While it took longer than I had hoped, I am pleased to say that my claim was handled with competence and care. My first phone call was pleasant and I received the information I needed to file my claim. I did try to include all the necessary documents the first time around, but I didn't have exactly everything needed. The follow up request for more specific documentation was reasonable. I felt that the company was merely doing their due diligence in making this request, for which I appreciate the need. I would be willing to use this company again.
Carol S. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Travelex
Travel Basic
Our trip from Singapore was cancelled Feb. 13, 2020 cruise on Princess Sapphire and sent them an email including your company and didn't get any reply from either.
I am very disappointed with no support.
Thank you
Rodolfo Topacio
I am very disappointed with no support.
Thank you
Rodolfo Topacio
Rodolfo T. would not
recommend this plan to a friend or relative.
-
Erin
We appreciate you providing feedback. Travelex has offered the following response:
"Thank you for taking the time to post about your situation.
We understand the experience surrounding your situation did not meet your expectations. We do empathize with you and your family and understand that the coronavirus has caused a significant disruption on our society.
Please reach out to us at [email protected] as we would like to go over your Date Transfer options, which will allow you to reuse your policy for a future trip.
We appreciate your patience and regret that we were unable to provide a more favorable outcome."May 11,2020
The trip included a
tour
Berkshire Hathaway Travel Protection
ExactCare
I did not use the plan so I am not sure how good it was :) It was easy to obtain and the price was fair. I will consider again in future travels.
Kathi Jane S. would
recommend this plan to a friend or relative.
-
Brittany G
Berkshire Hathaway Travel Protection
Thank you for taking the time to provide your rating. and feedback. We do appreciate it!Apr 06,2020
Baggage Delay reimburses you for the increased costs you incur to purchase necessary items because your baggage was delayed. Baggage Delay is only provided on the outgoing trip under all travel insurance plans. Once you return home, you now have access to all necessary items in your wardrobe so there would be no need to incur additional expenses.
Baggage Loss or Damage reimburses you for your lost or damaged items during the trip. However, you confirmed that the missing baggage was found and returned the next day. If there was some damage or missing items, you could have submitted a claim, but your Baggage coverage is secondary coverage meaning that it would only reimburse in excess of your primary coverage with SWA.
These terms and conditions are available within the quote prior to purchase. We encourage our customers to call Customer Care at 800-487-4722 for assistance in securing and reviewing quotes.