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.
This was the lowest cost plan available for our needs, and came with great reviews. I was not looking for a 'cancel for any reason' plan, since we were quite locked in and only a medical emergency would have been a reason on our end to cancel. It was only for trip interruption/cancel or medical needs as to why I wanted the travel insurance policy.
Obtaining a quote for the plan was easy via InsureMyTrip and purchasing the policy was similarly seamless.
While we did not have to file a claim, I am certain doing so would have been a positive experience.
It was interesting as to the wide variation of policy costs, and some higher cost plans were from companies with very poor ratings. Do research and dont just assume that higher cost plans mean better plans or companies, because that is likely not the case.
This was my first experience with InsureMyTrip and it was a very positive one. I will be a repeat customer in the future when needing travel insurance.
Craig P. 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.
Cannot speak to how well they handle claims as we had no need to file one . We chose this company as it allowed us to buy the coverage we needed without having to buy coverage for a lot of items we didn't need (such as coverage that might be needed outside of the US). There were still some items (we are retired so wouldn't need the loss of job coverage) but it would be hard to have a policy designed just for us with out increasing the overall cost due to added manpower needed for such policies.
John 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.
Need to know if a claim is needed while in another country, will the insurance pick up the costs or will we have to pay "up-front" and then get reimbursed. Just learned of a friend who had to pay out-of-pocket for a medical emergency in the amounts of $20K plus before they could get medical evacuation and they had a similar insurance plan. If that is the case, this is not a good plan to have.
Patricia T. 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.
Thank you for reaching out to us for this information. Since travel insurance plans vary significantly among companies, plans and states, we cannot fairly comment on the claim settlement for another insurance provider. However, we can review the terms and conditions in your plan which included a Primary Medical limit of 150,000 USD per person.
"Accident and Sickness Medical Expense"
"Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of ninety (90) days or less for Sickness). Only Covered Expenses incurred during Your Trip (of duration of ninety (90) days or less for Sickness) will be reimbursed. Expenses incurred after Your Trip are not covered.
Benefits will include one thousand dollars (1,000 USD) for expenses incurred during Your Trip for emergency dental treatment. Only expenses for emergency dental treatment to natural teeth incurred during Your Trip will be reimbursed. Expenses incurred after Your Trip are not covered.
Benefits will not be paid in excess of the Usual and Customary Charges.
Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. The Program Medical Advisor will coordinate advance payment to the Hospital."
Please feel free to call us at (800) 487-4722 if you would like additional information.
"Accident and Sickness Medical Expense"
"Benefits will be paid for the Covered Expense incurred, up to the Maximum Benefit Amount shown in the Schedule of Benefits, as a result of a Covered Accidental Injury or covered Sickness, which first occurs during Your Trip (of a duration of ninety (90) days or less for Sickness). Only Covered Expenses incurred during Your Trip (of duration of ninety (90) days or less for Sickness) will be reimbursed. Expenses incurred after Your Trip are not covered.
Benefits will include one thousand dollars (1,000 USD) for expenses incurred during Your Trip for emergency dental treatment. Only expenses for emergency dental treatment to natural teeth incurred during Your Trip will be reimbursed. Expenses incurred after Your Trip are not covered.
Benefits will not be paid in excess of the Usual and Customary Charges.
Advance payment will be made to a Hospital, up to the Maximum Benefit Amount, if needed to secure Your admission to a Hospital, because of a Covered Accidental Injury or covered Sickness. The Program Medical Advisor will coordinate advance payment to the Hospital."
Please feel free to call us at (800) 487-4722 if you would like additional information.