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.
We almost had to file a claim for lost luggage. After looking at the requirements to file a claim it would be virtually impossible for any one to have documentation and receipts for personal items in the suit case. Who keeps receipts for clothing that could be several months or longer old and for a suitcase that may be several years old?
It seems bogus to even offer lost luggage protection.
Thank Goodness that the cruise line found our luggage and is shipping it to us.
John T. would
recommend this plan to a friend or relative.
1 of
1 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 your comments. Whereas your homeowners policy provides Personal Property coverage on a Replacement Cost basis, your iTravelInsured SE plan, as do most travel plans, provides Baggage coverage on an Actual Cash Value basis. Actual Cash Value represents the purchase price of an item less depreciation of the item's value since you bought it.
You are correct in stating that most people would not have receipts for many items. Although many of our policies require receipts for reimbursement of any item, your iTravelInsured plan does make an exception:
"For claimed items without original receipts, payment of loss will be calculated based upon fifty percent (50%) of the Actual Cash Value at the time of loss, not to exceed two hundred fifty dollars ($250) per article."
Although that amount would still be much less than expected, your policy does still offer broader coverage than most travel plans. Nevertheless, the best Personal Property coverage would always be provided by your homeowners policy.
I did not file a claim, so I don't know how effective this plan really is and how it may help me or advise me with ideas that would help me and keep the plan cost low for everyone else.
KENNETH W. 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.
It was very reassuring to know that in the event of an unfortunate accident, my family and I were covered. The affordable rates your company offers will lead me back each time I travel.
KeAndrea J. 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 a plan that is no longer available.
Great coverage, however, like all insurance it is greatest when/if you have to make a claim. The purchase process was simple; I have to believe that the claims process would have been as rewarding.
Maurice C. 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.
It's hard to review this product when I didn't actually use it. I think the true test of this product would have been if I had needed to file a claim. While I'm glad that nothing came up which required filing a claim, I can't really say I recommend or don't recommend this. It seemed like a fair price, and looked like it would have covered the things I wanted to have covered.
Christopher P. would
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
Coverage
Value
Satisfaction
Claims not filed
Note: This review is for a plan that is no longer available.
Thankfully did not need it but good to know it was there. I did recommend this to a friend who told me what she paid the cruise line for her insurance....ouch
Daniel S. 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 a plan that is no longer available.
I would recommend Insuremytrip as a great place to compare and purchase plans. I think there is no way to evaluate the coverage until you actually have to file a claim. Then the level of cooperation, responsiveness and ease of process is what matters.... Fortunately I can't answer any of these questions.
Christine B. would not
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.
You are correct in stating that most people would not have receipts for many items. Although many of our policies require receipts for reimbursement of any item, your iTravelInsured plan does make an exception:
"For claimed items without original receipts, payment of loss will be calculated based upon fifty percent (50%) of the Actual Cash Value at the time of loss, not to exceed two hundred fifty dollars ($250) per article."
Although that amount would still be much less than expected, your policy does still offer broader coverage than most travel plans. Nevertheless, the best Personal Property coverage would always be provided by your homeowners policy.