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
John Hancock
Gold
My flight was cancelled and no flights were available for this and the following days. I didn't get any refund from airline for the cancelation because it was connected flight. We rented a car and drove 16 hours to get home next day. I filed the claim and got a full refund for car rental and other expenses on the way back. Claim was paid within 2 months. I would use this insurance again.
Olga K. would
recommend this plan to a friend or relative.
8 of
10 people found this review helpful
The trip included a
cruise
tour
Generali Global Assistance
Standard
We made an emergency telephone contact to help track down covid test results so we could board our return flight to the US. The agent was solicitous but her plan to have their agent in Peru didn’t contact us before we went ahead and obtained a quick test at the airport
THOMAS Z. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
Nationwide Mutual Insurance
Essential
The travel company cancelled my trip and I rebooked for 2023. The airfare was separate so I tried to get that amount back from the insurance company. It wasn't covered as this policy does not cover if a tour company cancels - apparently you must have the 'cancel for no reason' policy. Obviously will keep that in mind for next time. The airline did give me a credit so it worked out but I was lucky.
Carmelle M. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
AIG Travel
Travel Guard Protect Assist
Already recommended to my aunt
Georgia R. would
recommend this plan to a friend or relative.
The trip included a
tour
Berkshire Hathaway Travel Protection
ExactCare
Good coverage at a reasonable cost. I appreciated the notice emailed to me several days before my trip began, this gave me comfort.
Thomas F. would
recommend this plan to a friend or relative.
-
Brittany G
Berkshire Hathaway Travel Protection
Thank you for your feedback, we appreciate it!Oct 06,2021
The trip included a
tour
Generali Global Assistance
Standard
All went well. I did not need to file a claim. It was reassuring to have the policy.
Len L. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured LX
Do not do business with this company! Truly the worst experience with an insurance company I ever had. The company denied my claim because: “United Airlines indicates the purchased airline tickets have a credit value that can be applied toward future travel. A credit is not considered a loss until the credit is no longer available for use. United has indicated the credit is valid for one year from the issue date. The issue date is November 20, 2019. Additionally, they have indicated change fees would be waived for these tickets if exchanged. In the event the credit remains unused and is not reissued prior to the expiration date, please contact iTI® at 866.243.7524 once the credit has expired for further claim consideration. Documentation will be required from the United Airlines stating credit has expired and was not used.”
This decision is not only at odds with public policy on corporate responsibility in an unprecedented business environment, but is incorrect for the following legal reasons:
1. I purchased non-refundable airline tickets for a trip that we preemptively canceled due to the Covid-19 Pandemic using the Cancel for Any Reason provision within our policy. Had we not taken these preemptive measures to protect our family and fellow world citizens out of an abundance of caution, we would have been entitled to a full refund of the airfare when the flight was officially canceled.
2. I was unable to find an explicit stipulation that a non-refundable airline travel credit must expire before a claim can be filed identified in the terms and conditions of my policy. Moreover, while the “loss” they referred to as basis for denial is not a defined term in my insurance policy, it is generally accepted that a loss refers to the monetary injury that results from the occurrence of the contingency for which the insurance was taken out. There is no situation that will occur to make non-refundable travel credits refundable. These credits cannot legitimately be construed as monetary currency, and as such we incurred the loss on the date we canceled the flights.
3. We specifically indicated on the Authorization form of our claim that we will not be using our airline tickets and included a copy of the electronic ticket confirmation which included the ticket numbers as appropriate. It is our expectation that the company would follow standard business practice and request the airline void any non-refundable credits pursuant to the claim and pay out on the legitimate claim submitted. We are absolute in our statement that we will not ever use these credits, as we do not plan to travel by plane at any time in the foreseeable future.
The Company denied my appeal without addressing the points noted above, instead citing general policy language regarding irrelevant terms, which explicitly construed were satisfied - very bizarre.
This decision is not only at odds with public policy on corporate responsibility in an unprecedented business environment, but is incorrect for the following legal reasons:
1. I purchased non-refundable airline tickets for a trip that we preemptively canceled due to the Covid-19 Pandemic using the Cancel for Any Reason provision within our policy. Had we not taken these preemptive measures to protect our family and fellow world citizens out of an abundance of caution, we would have been entitled to a full refund of the airfare when the flight was officially canceled.
2. I was unable to find an explicit stipulation that a non-refundable airline travel credit must expire before a claim can be filed identified in the terms and conditions of my policy. Moreover, while the “loss” they referred to as basis for denial is not a defined term in my insurance policy, it is generally accepted that a loss refers to the monetary injury that results from the occurrence of the contingency for which the insurance was taken out. There is no situation that will occur to make non-refundable travel credits refundable. These credits cannot legitimately be construed as monetary currency, and as such we incurred the loss on the date we canceled the flights.
3. We specifically indicated on the Authorization form of our claim that we will not be using our airline tickets and included a copy of the electronic ticket confirmation which included the ticket numbers as appropriate. It is our expectation that the company would follow standard business practice and request the airline void any non-refundable credits pursuant to the claim and pay out on the legitimate claim submitted. We are absolute in our statement that we will not ever use these credits, as we do not plan to travel by plane at any time in the foreseeable future.
The Company denied my appeal without addressing the points noted above, instead citing general policy language regarding irrelevant terms, which explicitly construed were satisfied - very bizarre.
Bonnie L. would not
recommend this plan to a friend or relative.
5 of
8 people found this review helpful
The trip included a
cruise
International Medical Group
iTravelInsured LX
extremely difficult to get info from for claim and very slow
Joseph A. would not
recommend this plan to a friend or relative.
3 of
3 people found this review helpful
-
Megan
Thank you for your feedback.
We would like you and our other customers to know all travelers that purchase a policy through InsureMyTrip have access to our Anytime Advocates® program. This unique program is designed to save our travelers time and money by contacting the travel insurance provider directly to smooth out any kinks in the claims process. The InsureMyTrip Anytime Advocates® will help any customer with:
Claims assistance
Receive expert advice on how to navigate the claims process and file a claim properly with your travel insurance provider.
Dispute resolution
Anytime Advocates® will check the status of a claim. If a claim is denied, an advocate will work on behalf of the customer to learn why or to help with the appeal process.Sep 11,2020
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
Thank heavens we didn't need the plan, although with the coronavirus pandemic happening during our trip, we were very happy to have the insurance.
Deborah M. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
C&F Travel Insured International
Worldwide Trip Protector
My wife and I were on a land and sea vacation with Princess Cruises. My wife became ill the last 3 days on the Coral Princess. We had to see the doctor at 3:45am. When we returned home I submitted the appropriate paper work required by C&F Travel insurance. Three weeks later I received an email from them stating that they approved our claim and a check would be sent to us in about on week. Glad we purchased the travel insurance. We have purchased travel insurances in the past on many of our trips and never used it. On this trip it paid off!!
We did pay for the option of making this insurance our primary so we did not have to submit multiple paperwork. One negative comment is that when submitting documents via email to C&F you can only send a maximum of a 12mb file which was not stated in there forms. I had to submit 2 different files.
I would recommend C&F Travel Insured International Worldwide Trip Protector. In my case, they came through!
L&B
We did pay for the option of making this insurance our primary so we did not have to submit multiple paperwork. One negative comment is that when submitting documents via email to C&F you can only send a maximum of a 12mb file which was not stated in there forms. I had to submit 2 different files.
I would recommend C&F Travel Insured International Worldwide Trip Protector. In my case, they came through!
L&B
Leon S. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
We thank you for your feedback.
We are sorry to learn you were unable to travel. Most of our travel providers are offering to transfer the unused policy to a trip in the future. We have sent you an email containing more information about this.
If you have any additional questions or concerns, please contact our team of representatives at 800-487-4722 or by email at [email protected].