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
Nationwide Mutual Insurance
Universal Cruise
We purchased Nationwide travel insurance for a 3 week European vacation. We needed to file for trip delay due to weather issues and then for trip interruption due to my husband falling ill and needing hospitalization in London 1week into our trip. The overseas division , On Call International, worked their magic to get us flights home. They even arranged for wheelchair service at all connecting airports. They were very responsive and kept us informed throughout the process, Once home, the claim forms were easy to fill out and if I had a question it was easy to contact representatives by phone to clarify. Charges for unused , pre paid hotels and cruise were reimbursed within 6 weeks. The only things that were not covered were my hotels and food during my husband’s hospitalization . Those are only paid if the trip is interrupted by a hazard and sickness is not considered a hazard. As I went back and read the policy I could see that was true, but sometimes you don’t know what to look for prior to purchase. I would caution, if you find yourself in the same situation, to get contact emails for doctors as they needed to fill in some parts of the forms. Medical was also included in the policy but it is secondary to your own health insurance. We needed to submit to our health insurance first and since they paid the bill in full we didn’t have to submit to Nationwide. Make sure to keep all invoices and emails to be submitted with your claim. Bottom line- I would use Nationwide again because of their excellent overseas service and quick settlement of the claims,
Deborah L. would
recommend this plan to a friend or relative.
4 of
4 people found this review helpful
The trip included a
tour
Generali Global Assistance
Standard
Website was easy to use and documents were accessible immediately after paying. I did not have to make a claim so I cannot comment on how actual coverage compares to what was described in the policy.
Dianne K. would
recommend this plan to a friend or relative.
-
Samantha FourezGenerali Global Assistance
That's great to hear! Thank you for your positive review!Dec 20,2023
The trip included a
tour
International Medical Group
iTravelInsured SE
I thankfully did not need to use the plan but I think it is a great plan.
Radharani D. would
recommend this plan to a friend or relative.
The trip included a
tour
WorldTrips
Atlas Journey Economy
We bought the Atlas Journey Economy plan never imagining the worst-- a serious accident in small city Sicily resulting in a 5 week hospital stay, transfer by ground and air ambulance, surgery (in a public hospital in Sicily, not recommended!) The company that Atlas uses to facilitate care, OnCall International, did some things well and some things VERY poorly. Their coordination of care depends heavily on the care provider (doctor) being willing to communicate with their medical team, resulting in delays of (what I perceived as) timely and appropriate transfers for medical care, and return home. That being said, they were always available to me by phone, quickly authorized care where covered and appropriate. Their staff on the whole was supportive and helpful.
I recognize our case was quite complicated by the horrible attitude and lack of cooperation by the care providers in Sicily (noted to me by the families of other patients and local people as well, and validated by the doctors in Rome who, despite repeated attempts by OnCall International NEVER provided a detailed care summary to the doctors in Rome who assumed treatment, or to me). I believe that OnCall did try their best, but their "local affiliates" in both Sicily and Rome were less effective than I would have liked in getting things done in a timely manner to get my husband out of Sicily and to Rome.
Otherwise I think the company did an excellent job of getting care for my husband against the backdrop of a really difficult situation.
I am currently in the process of submitting the non-medical (trip interruption) portion of the claim so can't yet comment on the brokers used by the company for that. I will say that the WorldTrips agent was very helpful in pointing me in the right direction regarding contact numbers, forms needed and the like.
I wouldn't hesitate to use this company again-- although given what we have cost them they might not be happy to insure us again!
I recognize our case was quite complicated by the horrible attitude and lack of cooperation by the care providers in Sicily (noted to me by the families of other patients and local people as well, and validated by the doctors in Rome who, despite repeated attempts by OnCall International NEVER provided a detailed care summary to the doctors in Rome who assumed treatment, or to me). I believe that OnCall did try their best, but their "local affiliates" in both Sicily and Rome were less effective than I would have liked in getting things done in a timely manner to get my husband out of Sicily and to Rome.
Otherwise I think the company did an excellent job of getting care for my husband against the backdrop of a really difficult situation.
I am currently in the process of submitting the non-medical (trip interruption) portion of the claim so can't yet comment on the brokers used by the company for that. I will say that the WorldTrips agent was very helpful in pointing me in the right direction regarding contact numbers, forms needed and the like.
I wouldn't hesitate to use this company again-- although given what we have cost them they might not be happy to insure us again!
Nancy C. would
recommend this plan to a friend or relative.
The trip included a
tour
John Hancock
Silver
I looked at several plans and this seemed like the best, as well as many good reviews from people who actually filed a claim. Fortunately I did not need to file a claim,
Laurel P. would
recommend this plan to a friend or relative.
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector
Glad we did not have to file any claims and/or have any travel issues.
Allan K. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Preferred
I did quite a bit of shopping/looking around before I bought this plan. It seemed to be the best cost/value option out there. Once I decided to purchase it, the rest was easy.
Drew M. would
recommend this plan to a friend or relative.
The trip included a
tour
International Medical Group
iTravelInsured SE
I did not need to use the plan, but I felt well covered and the communication as we set up the coverage was great.
Olive C. would
recommend this plan to a friend or relative.
The trip included a
cruise
tour
International Medical Group
iTravelInsured SE
I bought this plan for a trip to Italy and Greece. In Athens, we had a power failure in the late afternoon with no power all night. The hotel had no available rooms and they weren't sure if they could get power restored.
By the next day, power had not been restored and so I called IMG. I told them what happened and asked if it would be covered by my policy. I was told that, yes, it was covered under trip interruption.
I booked another hotel at a higher price and filed a claim. I uploaded all supporting documentations. My claim was denied.
While it is possible that this was not a covered event, I wish they hadn't told them it was covered, which was probably a factor in what I paid for the new hotel.
Read the terms and conditions carefully, and I don't suppose that you should believe what they tell you, verbally.
By the next day, power had not been restored and so I called IMG. I told them what happened and asked if it would be covered by my policy. I was told that, yes, it was covered under trip interruption.
I booked another hotel at a higher price and filed a claim. I uploaded all supporting documentations. My claim was denied.
While it is possible that this was not a covered event, I wish they hadn't told them it was covered, which was probably a factor in what I paid for the new hotel.
Read the terms and conditions carefully, and I don't suppose that you should believe what they tell you, verbally.
Bradford W. would not
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
tour
International Medical Group
iTravelInsured LX
Fortunately our trip went as planned, so we did not need out insurance, this time. Hopefully we will be pleased with the plan even if we do have a claim.
Richard M. would
recommend this plan to a friend or relative.