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
AXA Assistance USA
Platinum
Fortunately I had no need to use the insurance, but it was comforting to know it was there.
Brenda J. would
recommend this plan to a friend or relative.
Generali Global Assistance
Preferred
On June 14 I booked a one-way ticket to return to my home Country the United States after my visit to Argentina, paid $1,672. The departure date was scheduled for Tuesday June 29.
Unfortunately, a day before the trip I received a cancelation from American Airlines, which did not give me the option to rebook/reschedule the flight at least until August 3 (a months later!). After several communications with the airline nobody was able to assign me a new flight to return to the US at least until August 3. Many customer services agents suggested me to verify the availability in AA.com, and immediately book a new ticket if something became available, not waiting to call back the call center as the availability could change in the meanwhile.
This is what I did, I identified an available seat and paid for a totally new air ticket $3,376. Flying the day before, on June 28.
Once at home, I filed a claim with Generali, under the 'Trip Interruption Benefit', asking the Travel Insurance Company to cover ONLY the price difference between the two tickets (the original -canceled- flight has been refunded by the Airline). This was under the general understanding that the Airline was not able to accommodate me in one of your airplanes back to US.
The Insurance Company asked me to request the Airline the 'reason of the flight cancelation'. I gathered that information and shared with the Claims Representative from Generali, having back a nasty surprise: they have rejected the claim with the following reason: 'According to the documentation provided, the flight was canceled due to Airline schedule change...'
So, basically, if the Airline has Logistics issues and have to cancel your flight, you will NOT be covered by Generali Global Assistance. This is terrible, and real! The fine print on their policy is terrible. Do not buy from them, I've a clear case in which they have not covered a basic stuff.
I'm planning to engage a lawyer and fight for my rights! This is a typical case of Travel Insurance abuse!
Claim Number: 21027198-01
Policy Number: 21166W2282
Unfortunately, a day before the trip I received a cancelation from American Airlines, which did not give me the option to rebook/reschedule the flight at least until August 3 (a months later!). After several communications with the airline nobody was able to assign me a new flight to return to the US at least until August 3. Many customer services agents suggested me to verify the availability in AA.com, and immediately book a new ticket if something became available, not waiting to call back the call center as the availability could change in the meanwhile.
This is what I did, I identified an available seat and paid for a totally new air ticket $3,376. Flying the day before, on June 28.
Once at home, I filed a claim with Generali, under the 'Trip Interruption Benefit', asking the Travel Insurance Company to cover ONLY the price difference between the two tickets (the original -canceled- flight has been refunded by the Airline). This was under the general understanding that the Airline was not able to accommodate me in one of your airplanes back to US.
The Insurance Company asked me to request the Airline the 'reason of the flight cancelation'. I gathered that information and shared with the Claims Representative from Generali, having back a nasty surprise: they have rejected the claim with the following reason: 'According to the documentation provided, the flight was canceled due to Airline schedule change...'
So, basically, if the Airline has Logistics issues and have to cancel your flight, you will NOT be covered by Generali Global Assistance. This is terrible, and real! The fine print on their policy is terrible. Do not buy from them, I've a clear case in which they have not covered a basic stuff.
I'm planning to engage a lawyer and fight for my rights! This is a typical case of Travel Insurance abuse!
Claim Number: 21027198-01
Policy Number: 21166W2282
ROSARIO A. would not
recommend this plan to a friend or relative.
6 of
7 people found this review helpful
The trip included a
tour
Generali Global Assistance
Standard
I did not have to file a claim. I think I read that no claims would be paid due to Corona Virius. I hope this is not the case. We had no problem with our flights.
Hubert B. would not
recommend this plan to a friend or relative.
The trip included a
cruise
Nationwide Mutual Insurance
Universal Cruise
In spite of the terrible issues affecting the world while we were traveling, our plans and travel were not interrupted. We were glad to have the insurance and although we did not have to use it felt good able having a safety net of sorts. We thought the price was good and will use again in our future travels.
Janice D. would
recommend this plan to a friend or relative.
The trip included a
cruise
C&F Travel Insured International
Worldwide Trip Protector Lite
This insurance was easy to set up, and reasonably priced. Fortunately we did not have to make any claims this time. On a previous trip two years ago we had the same type of policy through Travel Insured and had to cancel when one of us got sick. We received full compensation for our claim, with no problems.
John W. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Preferred
Didn't need to file a claim but having the policy gave us peace of mind.
Michael M. would
recommend this plan to a friend or relative.
The trip included a
cruise
International Medical Group
iTravelInsured SE
Did not file a claim, but coverage seemed adequate. We always think the medical evacuation is important , especially when going to fairly remote areas.
CURRY H. would
recommend this plan to a friend or relative.
Berkshire Hathaway Travel Protection
ExactCare
Always comfortable with a plan. Also Insure My Trip has the best variety and prices
Panchali D. would
recommend this plan to a friend or relative.
-
Brittany G
Berkshire Hathaway Travel Protection
Thank you for your feedback, we appreciate it!Dec 19,2019
The trip included a
cruise
tour
Berkshire Hathaway Travel Protection
ExactCare
I didn't need to use the plan, but I felt comfortable having it and felt as if the most likely contingencies (lost luggage, delayed or cancelled flights) would be covered.
Megan M. would
recommend this plan to a friend or relative.
-
Brittany G
Berkshire Hathaway Travel Protection
Thank you for your feedback, we appreciate it!Oct 08,2019
AIG Travel
Travel Guard Gold
I didn't have to use the insurance, but my experience during the Travel Insurance selection process was great.
CANDELARIA F. would
recommend this plan to a friend or relative.
"We're sorry to hear about the circumstances surrounding your experience, and for not meeting your expectations. We take customer service and the claims review process very seriously and strive to provide a fair, equitable and smooth process for all of our customers. Letting us know how we are doing is the best way to ensure the best possible service. Unfortunately, like other insurance plans you may have, travel insurance cannot cover every event that might cause a traveler to cancel their trip. While frustrating, we want our customers to understand their coverages and what is not included, which is one reason we provide a 10-day free look so that you have extra time to review your coverages."