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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.

Customers rated our Comprehensive Plans
4.57 out of 5
61,218
ratings and reviews
97%
recommended
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Cruise
Filed claim
International Medical Group iTravelInsured SE
This company is inflexible and ridiculous with the documentation they require. I supplied to them the documentation from the real estate company showing that we had cancelled our rental with them. The receipt showed what we initially paid along with the fee and the last 4 digits of our credit card number. This was not acceptable. The insurance company said they must have the bill from the credit card company itself. I supplied this. The insurance company then wanted a copy of the cancellation policy which I had already sent. I sent it again along with a copy from the credit card company showing the 90% refund I had received. This time the credit card company receipt was not enough. This time they wanted the receipt from the real estate company. I supplied this. All of this took two months of back and forth emails and phone calls. More than once I called and left a message for the agent assigned to our claim. Not one time did she return the call. A partial reimbursement check finally arrived. It was written out with my last name misspelled. This took 2 calls and 2 emails and another 2 months to sort out. I began the claim in May and finally deposited a check in mid October for a straight forward under $400 request.

I had within the last year made a claim with a different travel insurer (AIG) after years of hassle free travel. At the time I found the process arduous; however, I can now compare two companies and their different approaches. The AIG claim agent gave me his direct line. He always called me back and promptly. There were some extenuating circumstances that made it impossible to supply the normal types of medical documentation and police reports due to being in third world countries. The documentation I was able to supply was accepted. The claim agent was willing to work with me and together we found a way to provide both what the insurance company needed and what was available to me.

The difference in service between these two companies was dramatic. I can not speak for other companies but I will never use iTravelinsured again.
Margaret C. would not 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 a plan that is no longer available.
  • Megan
    Photo
    Thank you for your feed back.

    Please see the response from IMG iTravelInsured regarding your review:

    "Margaret, it’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at [email protected] to start the conversation"
    Nov 05,2020
The trip included a
cruise
International Medical Group iTravelInsured LX
We paid for Cancel for Any Reason coverage for a trip in early September to Scotland and Ireland that included our small group tour of Ireland and our nonrefundable airfare between Scotland and Ireland. When the Royal Tattoo was canceled due to Covid, we cancelled the airfare we paid for with American miles to allow other American customers access to those seats, but these airfares weren't part of our coverage. We hoped to still be able to fly to Ireland and do the tour. When we were within two to 3 weeks of our trip and Ireland still required a 2 week self quarantine because of Covid, we tried to cancel our small group tour. The tour company refused to give us a refund, but thankfully Viator did. In the end, we only filed a claim for the $200 Ryanair airfare from Scotland to Ireland which was nonrefundable. The claims department refused our claim despite our Cancel for Any Reason coverage because they said we were required to file the entire claim within 20 days of cancelling our airfare to and from Scotland/Ireland. I explained that we used miles for that and cancelled the initial flights hoping to rebook a flight to and from Ireland with miles if Ireland didn't have a quarantine at the time of our tour. They didn't care. We have bought insurance from them 3 times in the past 2 years. I asked them how it was good business to refuse a $150 claim that was the result of Covid uncertainty and lose a good customer. Again, they didn't care. We will never buy an iTravel policy again from IMG.
Lisa W. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for a plan that is no longer available.
  • Megan
    Photo
    Thank you for your feedback.

    Please see the response from iTravel Insured regarding your review:

    "It’s IMG’s mission to be there for our members, which means listening to your feedback and making improvements to better serve you. We are sorry IMG did not meet your expectations; help us improve by sharing additional feedback. Please email us at [email protected] to start the conversation."
    Oct 26,2020
The trip included a
tour
C&F Travel Insured International Worldwide Trip Protector Lite
I was going to Dubai, Emirates canceled my trip but charged me $400 cancellation fee. I was only trying to get that covered. Took them 7 months to complete and deny the claim! Not useful. Would not reccomend!
Luis T. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Megan
    Photo
    Thank you for your feedback.

    Please see the response from C&F Travel Insured regarding your review:

    "We thank you for your feedback and apologize for the frustrations you’ve experienced during your experience with our company. Call volumes hare very high at this time, but our relationship with our customers is very important to us. If you’d like to discuss your situation further please contact us at [email protected] . We appreciate your patience. "
    Nov 05,2020
C&F Travel Insured International Worldwide Trip Protector
I bought two separate policies (as required since we don't live in the same household) for my almost 80-year-old father and I to travel to the Netherlands in April 2020. The airline cancelled our flights (non-refundable tickets) because of COVID (clearly stated in our email). I filed a claim for one policy on April 5, 2020 with all relevant documentation. I started getting reminders to submit relevant documentation several weeks later although I had already submitted all of the required documentation. I submitted the second claim for my father in May 2020 because it was clear nothing was happening quickly (understandable certainly). Several months later, I started calling on a monthly basis because of hearing nothing from the company. They assured me first the files were complete and then that they had been consolidated and assigned to a claims person. I gave up calling after the last person I spoke to said that calling every month was fine but wouldn't make anything happen any faster. I received a letter about my policy today 10/16/20 (almost six and a half months later) informing me that non-refundable airfare was apparently not covered under the policy. I reread the policy and agree that this is apparently true. Why one would offer insurance for travel but not cover airfare is admittedly a "shame on me" thing for not noticing that the one and ONLY thing we needed it for wasn't included (literally the tickets were the sum total of the value of the trip for which we requested insurance--everything else was refundable or could be cancelled). I understand the technicality of the decision; that it took five and a half months (without any clear information from the company) is appalling, especially now since I have to try and find other recourse to recoup thousands of dollars some other way. I certainly would never buy from this company again and would urge other users to read carefully in case they assume that their airfare is in fact included in the policy if your airline cancels your trip. In our case, it was "your Travel supplier cancelling your trip is not a listed covered reason; therefore, benefits are not payable." So, lesson learned, but I wish I hadn't been able to buy coverage for something which literally couldn't be refunded according to the terms of the policy.
John S. would not recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Megan
    Photo
    We thank you for your feedback.

    Please see the response from C&F Travel Insured regarding your review:

    "We thank you for your feedback and apologize for the frustrations you’ve experienced during your experience with our company. Our relationship with our customers is very important to us. If you’d like to discuss your situation further please contact us at [email protected] We appreciate your patience."
    Nov 05,2020
The trip included a
cruise
C&F Travel Insured International Worldwide Trip Protector
Although it took 7 months, I finally received my trip interruption insurance claim from C&F. Since I purchased the policy through Insure My Trip, I reached out to them, 3 months in, to try to push C&F to respond to my claim. Insure My Trip was very helpful in clarifying the hold up and with further help from my travel agency, Pavlus, I was finally able to get the compensation I was due.
WENDI L. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Megan
    Photo
    We appreciate your feedback.

    Please see the reply from C&F Travel Insured regarding your review:

    "We thank you for your feedback and apologize for any frustrations you’ve experienced. Call volumes hare very high at this time, but our relationship with our customers is very important to us. We appreciate your patience."
    Nov 05,2020
Berkshire Hathaway Travel Protection ExactCare Value
Claims take 8 to 10 weeks for the initial review and then they will get back to you if they need more information. I shudder to think if their was a real emergency and you needed them ASAP. Actual reimbursement time was less than 4 weeks so review updated.
Jo Ellen G. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
C&F Travel Insured International Worldwide Trip Protector Plus
I filed my claim early May and provided all the necessary paperwork - I cancelled due to Covid and purchased a cancel for any reason policy. Received claim check in September with help from insuretrip.com customer service.
Alnie F. would recommend this plan to a friend or relative.
2 of 2 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
The trip included a
tour
Arch RoamRight Preferred
Most of the reviews I've read here seem to mention not having to actually USE their purchased coverage. I am writing as someone who has had to use the coverage and has been fighting a ridiculous fight to get reimbursed. To try and make it brief, I'll just say they have been making me jump through many hoops and that It's been going on for 6 months now. Each time I submit what they ask for, they come back to me with something else I need to send in; all in an effort , I'm sure, to wear me down and have me say the heck with it. This has happened 8 times now, to the point where my travel company told me they never heard of a travel insurance company demanding what they were asking for in order to process a claim payment. After supplying all the information, on a $6,000 claim, for which I paid an additional $1300 for the insurance, they reimbursed me $60 for myself and $60 for my husband. I have now started an appeals process. It has been 4 weeks and I have not heard a thing from them, not even an acknowledgement that they received my email and then again a subsequent email I sent asking for receipt confirmation. I will contact my local consumer advocates and also the state attorney general for assistance. DO NOT PURCHASE TRAVEL INSURANCE from ROAM RIGHT. I CAN'T STRESS THIS ENOUGH!!! That is unless you want to have an excerise in total frustration only to be ripped off in the end anyway. They are crooks.
Kathleen R. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
Note: This review is for an earlier version of the plan.
  • Empty Comment
Berkshire Hathaway Travel Protection ExactCare
OUSTANDING COMPANY !! We did unfortunately have a claim and it was processed so rapidly, and without any problem- it was really an excellent experience. Highly recommended.
RHEA N. would recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Empty Comment
Nationwide Mutual Insurance Essential
Claim: 59572

My plan was purchased in 10/27/2019, months before COVID. This company looks hard to find an excuse to not honor trip cancellation, despite claims of "standard in the industry" or that they "regret" not fulfilling their moral obligations to honor the contract. It is my strong opinion that they have small print used to deny payments for legitimate claims, that this company does not deserve your trust or business. Nationwide certainly will never have my business.

The natural disaster is COVID. Travel to Europe from the U.S. is not allowed, as the entire U.S. is being quarantined from the EU. The hotel accommodations in Italy are not habitable by any U.S. citizen.

Additionally, I am a hospital worker potentially exposed to COVID patients daily. I must quarantine 14 days before allowing myself come in close contact to unsuspecting travelers, because it is morally correct. It is not possible to actually travel.

I do not think that I would be allowed to stay at my hotel if I were possibly contagious, if I were allowed to travel to Europe! Regardless,

I was reimbursed for most of my travel (airfare) by the airlines, so I was not even expecting to be reimbursed for the entire amount of my coverage, only a portion of the coverage for which I paid. Unlike other reputable businesses, this company does not warrant your business, in my opinion.
Marc S. would not recommend this plan to a friend or relative.
1 of 1 people found this review helpful
Coverage
Value
Satisfaction
Claims
  • Megan
    Photo
    Thank you for your feedback.

    Nationwide Mutual Insurance is making exceptions for cancellations resulting from the COVID-19 pandemic, to allow you to transfer your policy to a new trip or cancel the policy as long as you meet certain requirements.

    Please reach out to us at InsureMyTrip 800-487-4722, so we may further assist you in this process.
    Oct 20,2020
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