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
C&F Travel Insured International
Worldwide Trip Protector
I realized why it is rated so high. If you read the reviews, most of the people did not have to use the coverage. I would not recommend this insurance and will not ever use it again. Please look elsewhere and save yourself time and stress. I researched and choose this company because it is rated high (by those who don't file a claim). If you look at those who do file a claim, it is not rated well at all. My camera damage situation did not fit into the boxes they wanted it to so the forms and processes did not work with my situation. Because I did not report the damage to my camera to anyone (since it wasn't the airline, hotel or trip operator's fault) they will not pay my claim or honor the insurance I purchased even though my camera is no longer usable and it occurred during my "covered" trip. I filled out all the paperwork, provided pictures and offered additional information but now they have gone silent. I returned from my trip in early November, it is now January. I am going in another direction to get my camera taken care of. The customer service, if you can call it that, is hard to access and lots of time waiting on the phone. I have other companies that I have used in the past that I will go back to. I do not recommend this insurance coverage.
Amy D. would not
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
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AmyD
I am pleased to say that the company reached out to me to make things right with regard to my claim. I will have a satisfactory resolution to my issue. I appreciate the response and willingness to move things forward in a positive direction.Jan 09,2020
The trip included a
cruise
tour
Travelex
Travel Select
Our bag was stolen from a bus in Chile so we had to make our first ever travel insurance claim. I was dreading it, having heard horror stories about delayed or refused claims. We put together a detailed claim with a police report, a full analysis of what was in the bag (from toothpaste to hiking boots!) and as many receipts as we could drag together and it was approved within 3 weeks and the check was in our hands a few days later. We were relieved and impressed. Although the coverage limit was less than our claim that was fine - we had chosen a plan that gave us adequate coverage and it came through. Our experience was excellent and I will plan on buying this policy again for future travels. Thank you.
Kate W. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
AIG Travel
Travel Guard Gold
I filed a claim after my brand new $1000 camera was drenched with a mixed drink. I was told that I had to file with my home owner's policy first. Isn't the whole purpose of having paid extra for this insurance so that I get better coverage and don't have to take the hit with my primary? I was told that if I did not do that, I'd be limited to $500 (my deductible on my HO policy). So I filed, and was denied. Then still only got $500. Because that's all the policy covers. I can't find that anywhere in the 20pages of fine print. Feel like the adjuster was less than honest/genuine.
Rita K. would not
recommend this plan to a friend or relative.
1 of
2 people found this review helpful
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Mike
Thank you for your feedback. We are sorry to learn that your camera was damaged on your trip. The AIG Travel Guard Gold provides Secondary coverage for Baggage and Personal Effects. If a travel insurance plan is secondary, the insured person(s) would be required to file a claim with their Homeowner's insurance first. If coverage is denied or only partially provided, the travel insurance would cover the remainder, up to the policy limit.
As stated in your policy certificate, your plan covers the following under Baggage and Personal Effects:
"The Company will reimburse the Insured up to:
• 500USD for the first item and thereafter
• 250USD per each additional item
• 500USD aggregate on all Losses to: jewelry, watches, furs, cameras and camera equipment, camcorders, computers, electronic devices, including but not limited to: lap top computers, cell phones, electronic organizers and portable CD players."
Please call us at 800-487-4772 if you have any questions pertaining to this policy, or about primary vs secondary coverage. We would be happy to assist you.Mar 14,2019
The trip included a
cruise
GoReady Insurance
Choice
Do not get sick while covered by April Travel "Protection". My wife got ill in Buenos Aries (BA) and I called April Travel directly. The agent said they have no record of our policy. I called InsureMyTrip they they were EXTREMELY helpful. When I called the agent back from the ER in BA she was CLUELESS - even incorrectly said our cruise was not covered. She said someone would try to get in touch with us for medical help. My cell phone had a "missed call" from Canada. When I called that number back, a recording in French, then English, said their offices were closed! When I call April back, the same agent told me to expect contact from Excel Management, who would assist us. Never got a call. Luckily, our doctor in BA wrote in the Medical Report that we should return to the Denver immediately and we did. The claims saga was even worse - but I'm sure you get the picture.
Peter K. would
recommend this plan to a friend or relative.
3 of
4 people found this review helpful
The trip included a
cruise
GoReady Insurance
Choice
It took almost 4 months for them to pay our medical claim, however they did pay it in full. Their follow up was not good during the claim process and I had to keep going back to check on progress. All in all, I guess I would recommend them.
Randy W. would
recommend this plan to a friend or relative.
2 of
3 people found this review helpful
The trip included a
cruise
tour
Global Alert!
Preferred
Unfortunately, we had to cancel our travel plans due to medical reasons. We filed a claim which was outsourced to Trip Mate for processing. We recently received our check for the claim. The claim process took about 3-4 months which seems like a long time. Otherwise, we are satisfied with the policy we purchased.
Aron R. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
John Hancock
Gold
Due to bad weather, we missed an entire leg of our journey. We obtained a letter from the expedition company detailing the weather problems to submit with our claim along with all other flight and hotel documentation. The only piece of required documentation that surprised me was a copy of my passport showing country entry/exit dates. I feel I was lucky that I noticed that notification of an impending claim had to be provided to John Hancock within 21 days of the trip delay/cancellation. I don't know if I would have had problems if I missed that important piece of information. Once the documentation was submitted, it took about six weeks to receive payment. There were no challenges to my submitted expenses and the whole process went smoothly. I've never had to submit a trip insurance claim before, and I was nervous about the experience, but this was painless. I will definitely use John Hancock again. Thanks!
jill s. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
Generali Global Assistance
Premium
Once I had studied the web site I called the toll free number and a member of your team worked with me for an hour to figure out the best trip insurance for me and my husband. I really appreciated her taking so much time to answer my questions. I feel we got the appropriate coverage.
Anne H. would
recommend this plan to a friend or relative.
The trip included a
cruise
Generali Global Assistance
Premium
The evacuation aspect of this policy was exactly what we were looking for.
Paula H. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
Global Alert!
Preferred
of course I cannot evaluate insurance that I did not use. that's the point. I was adequately covered in case I needed it, but didn't!
Susan M. would
recommend this plan to a friend or relative.
"We are sorry for the disappointing situation that has occurred. Your Claims Analyst will be contacting you to further discuss your claim. Thank you for your patience, we apologize for the inconvenience."