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
Generali Global Assistance
Preferred
I made a claim and was, eventually, compensated. However, it took many weeks, and Generali didn't give me information about my specific claim agent, so I couldn't get any answers outside of the automated system. It was frustrating to just sit and wait without knowing whether the claim was processed or not. In the end, I was reimbursed, so it turned out well
Elizabeth G. would
recommend this plan to a friend or relative.
The trip included a
tour
Nationwide Mutual Insurance
Essential
The documents required to provide proof of payment trail was overboard. Coverage for Covid related expenses was greatly insufficient. However, review and response was faster than I was initially informed.
Steven C. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
The trip included a
cruise
Trawick International
Safe Travels Voyager
I was dreading having to file a claim. But after my mother was diagnosed with bronchitis and declared unfit to travel, I had no choice. I made two calls at the start of the process to get clarification and information. Both were clear, helpful and efficient. I gathered all the needed paperwork - and I did make sure I had "dotted all the is and crossed all the ts" - and the claim was reviewed and refund issued promptly and without any further needed interaction. While I would have much rather gone on this trip, the claim process was surprisingly smooth. I would recommend this company to others in need of travel insurance.
Susan K. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Generali Global Assistance
Premium
My luggage was delayed for 5 days and my plan paid the $500 owed without any hassles upon receipt of my documentation from the airlines.
Miriam G. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
The trip included a
cruise
tour
Trawick International
Safe Travels Voyager
great job, claims process was a little slow
Ryan G. would
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 SE
Did not have to use the plan but always happy to have insure my trip to help me find a plan that meets my needs
Robert K. would
recommend this plan to a friend or relative.
Generali Global Assistance
Preferred
Good coverage
Actually had to use it - needed antibiotic on my trip.
Saved receipts - got a full refund on the same day as submitted.
The claims process is onerous - needed to upload doctor's info and notes, etc. as well as proof of age (unexpected...)
If you have online access to your records - this is not an issue - else you will be chasing data...
Actually had to use it - needed antibiotic on my trip.
Saved receipts - got a full refund on the same day as submitted.
The claims process is onerous - needed to upload doctor's info and notes, etc. as well as proof of age (unexpected...)
If you have online access to your records - this is not an issue - else you will be chasing data...
Barbara C. would
recommend this plan to a friend or relative.
1 of
1 people found this review helpful
Generali Global Assistance
Standard
The process of getting the policy was clear and straightforward, which is not always the case with such products. Didn't have to file a claim, though. We'll use this outfit again for our next trip.
James K. would
recommend this plan to a friend or relative.
Generali Global Assistance
Standard
Filed a claim in January and realizing their policy for reimbursement is unfair and makes it incredibly difficult to obtain appropriate reimbursement. Do not purchase !!! Choose another .
John L. would not
recommend this plan to a friend or relative.
2 of
2 people found this review helpful
-
Angie
Thank you for sharing your feedback, John. We're sorry we did not meet your expectations as we take reviewing and responding to claims very seriously and want customers to understand the coverage details of our plans. We cannot stress enough that it is important to review these details via the sample Description of Coverage/Insurance Policy that’s provided at the time of purchase, and contact us at (800) 348-9505 or via email at [email protected] with any additional questions. We're pleased to advise that your claim has since been finalized and you should have received an email to your address on file from a dedicated team member. If you have any further questions regarding the coverages under this plan, please reach out to us at the number or email provided above.Apr 27,2023
The trip included a
tour
AIG Travel
Travel Guard Preferred
AVOID TRAVEL GUARD AND AIG INSURANCE CO
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
We bought AIG Travel Guard to cover our flights and rafting trip in the Grand Canyon. Our Airline (American) cancelled our flight at midnight, 8 hrs prior to departure, and couldn’t offer same day departure on another flight. We had to buy new tickets on a different airline in order to arrive in time to depart on our rafting trip. After 6 months of trying, both the ticket agent and the airline refused to refund us for the full cost of our original tickets and the additional cost of last minute booking on a different airline. We turned to AIG for coverage and our claim was denied because they said the airline cancelling your flight is not a covered reason if it occurs prior to your trip - even 8 hours prior when you have no other options. The policy will cover you if your pet gets sick and you miss your trip, so a sick hamster will get your money back but not an airline cancelling your flight. Wouldn’t you think travel insurance would cover the airline cancelling your flight before covering a sick hamster? AIG’s Travel Guard doesn’t.
Furthermore, our claims experience was a complete disappointment. First, we submitted all required documents with our claim. About 4 weeks passed and then AIG asked for all the documents again. We responded that we had submitted everything with the original claim and asked for clarification on what they were missing. There was no response and then several more weeks of silence went by and we received our denial. All the communications we received from AIG end by saying to please call with any questions. So, we called to speak with someone about our claim. The person who answered was clearly reading from a script and was incapable of providing anything other than the scripted answer. This was evident because we were read the same scripted answer multiple times. We then asked to speak with the adjuster about our claim and were promised a call. That call never came.
We did read the policy prior to purchasing it and consider the policy language vague at best. The average person would have significant difficulty knowing whether a potential travel issue would be covered under this product, and there are scenarios like ours that could affect your trip but that you wouldn’t think to ask about ahead. Except for your hamster suddenly becoming ill - that’s covered, no need to ask.
We also think Insuremytrip.com could do a better job of pointing out common travel issues that aren’t covered, and that this should be part of the comparison tool.
Dallas V. would not
recommend this plan to a friend or relative.
5 of
5 people found this review helpful
-
Angie
We at AIG Travel apologize for any challenges you experienced with your claim. Claims are adjudicated based on the coverage purchased and supporting documentation submitted. If you would like assistance with contacting your Claim Adjuster to further review the outcome of your claim and the benefits available, please let us know.
Apr 25,2023-
DallasV
To anyone consider AIG Travel Guard, this reply from AIG is representative of the level of customer service you can expect from AIG should you ever have a claim. My review states we were promised a call from our claim adjuster, and the claim adjuster never called. Now, the response from AIG asks if we want assistance contacting our Claim Adjuster.
Angie @ AIG - we are still waiting for a call from the claim adjuster that we requested months ago, so please follow up on the original request for the claim adjuster to call us.
Thank you.May 01,2023
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