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.
TripAssure
Advantage Asset
It gives us peace of mind to insure our big trips. We have only filed claims twice, but were promptly and generously reimbursed.
Robert E. would
recommend this plan to a friend or relative.
The trip included a
tour
John Hancock
Silver
The coverage was customized to our trip. I'm glad we didn't have to use it.
Santiago M. would
recommend this plan to a friend or relative.
The trip included a
tour
Global Alert!
Preferred
I have had this plan twice and will use it again.
Eric E. would
recommend this plan to a friend or relative.
The trip included a
tour
Generali Global Assistance
Standard
Having insurance worked. We all came home safe and sound!
Roberta R. would
recommend this plan to a friend or relative.
Nationwide Mutual Insurance
Essential
The coverage provided peace of mind as I live with a chronic condition and this covered , what my medicare and medicare supplement plans did not.Thank you and will keep you in mind for future trips.
Manzie D. would
recommend this plan to a friend or relative.
The trip included a
tour
C&F Travel Insured International
Worldwide Trip Protector Lite
Since I had no use for the insurance, these are really meaningless questions.
Carol B. would
recommend this plan to a friend or relative.
The trip included a
tour
InsureandGo
Global Silver
Fortunately, I did not have to use my insurance. So I cannot actually rate the customer service.
Jolynn L. would
recommend this plan to a friend or relative.
AXA Assistance USA
Silver
Just glad I never had to test it!
Danette M. would
recommend this plan to a friend or relative.
-
CrystalAXA Assistance USA
Thank you for your review. We’re happy to hear you had a trouble-free trip but were covered in the event the unexpected occurred. We appreciate the opportunity to provide coverage for you and look forward to providing travel protection for all of your future travels.Apr 07,2016
The trip included a
tour
AXA Assistance USA
Silver
To begin, when I tried to get the necessary form to file a claim, not only was AXA's phone system a mess, causing me delay after delay until I finally reached someone in Chicago who sent me a PDF that would not open, (and I have the newest version of Adobe Reader), and then that person was "not at her desk" immediately after she sent it - so after trying multiple times to reach her again, and her failed attempts to get me a document that WOULD open (she could not send a Word Doc), I had to have them send it snail mail. And that was just the beginning of my frustrations.
The reason I filed a claim was that when Delta changed our return flight to an earlier time, I was too far out in the country of Costa Rica to make the flight on time by scheduled means (van + ferry + van), so I bought a flight to get us to the airport a day early, and stayed in a hotel so we could make the flight home with Delta. AXA would not cover this under "Missed Connection" or Flight Delay" because it was not "a reactionary" event or "a defined Hazard".
I guess I should have missed the flight, stayed in Costa Rica another couple of days until Delta could reschedule us at $200 more each, and sent AXA the bill then. It would have been a lot more than what I wanted to be reimbursed for, but perhaps AXA would have had to pay me. On the other hand, they would have probably found some excuse not to.
I don't know what Insurance company would have covered my situation, or what policy, but it seems like buying insurance at all is just not worth it because of so many fine points they can find to NOT reimburse you. And the frustration of dealing with THIS company on the phone was extremely stressful.
When I buy travel insurance again, I will read the policy much more carefully and definitely not buy it from this company.
The reason I filed a claim was that when Delta changed our return flight to an earlier time, I was too far out in the country of Costa Rica to make the flight on time by scheduled means (van + ferry + van), so I bought a flight to get us to the airport a day early, and stayed in a hotel so we could make the flight home with Delta. AXA would not cover this under "Missed Connection" or Flight Delay" because it was not "a reactionary" event or "a defined Hazard".
I guess I should have missed the flight, stayed in Costa Rica another couple of days until Delta could reschedule us at $200 more each, and sent AXA the bill then. It would have been a lot more than what I wanted to be reimbursed for, but perhaps AXA would have had to pay me. On the other hand, they would have probably found some excuse not to.
I don't know what Insurance company would have covered my situation, or what policy, but it seems like buying insurance at all is just not worth it because of so many fine points they can find to NOT reimburse you. And the frustration of dealing with THIS company on the phone was extremely stressful.
When I buy travel insurance again, I will read the policy much more carefully and definitely not buy it from this company.
Michael R. would not
recommend this plan to a friend or relative.
-
Zac
Thank you for your feedback on the policy. We are sorry to learn of the setbacks you experienced when attempting to initiate and file a claim. We will forward your review to AXA Assistance USA.
Based on the explanation provided by AXA per your review, they are correct is saying that Travel Delay or Missed Connection requires you to experience the Hazard in order to receive coverage. In our experience, the large majority of travel insurance companies would work the same way.
In the future, we encourage you to call us at 800-487-4722 prior to purchasing a plan so that we can help you select a plan that best suits your needs and explain how the benefits apply.Mar 26,2016
The trip included a
cruise
Generali Global Assistance
Standard
My cruise was cancelled due to bankruptcy and this pathetic insurance policy was worth nothing to us. They refused to cover any airfare or accommodation loses what so ever, because they we not considered a covered event! Give me a break!
Ruth H. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Zac
Thank you for your feedback on the policy. CSA Travel Protection has issued the following statement in response to your review:
"We’re sorry to hear about the circumstances surrounding your claim. We take reviewing and responding to claims very seriously. We’ve reviewed your claim and a member of our team is reaching out to you to explain why your claim wasn’t payable. We aim to ensure our customers understand the coverage details of our plans and strongly recommend they review a sample Description of Coverage/Insurance Policy that is provided at purchase. We also offer a free look back period with all of our plans to allow customers to cancel their policies within a designated period as long as they haven't already left on their trip or filed a claim. Thank you."Mar 21,2016